Foreign exchange rates don't care about your plans. And definitely not about your timing. I see so many Aussie expats turn into overnight FX experts, waiting for the “perfect” rate… Forgetting one thing... the market owes you nothing. Rates move fast. When I first moved to Singapore, the SGD was around $0.84 to the AUD. A very different world to today. A rising Australian dollar can quietly: → shrink the value of foreign income → reduce overseas savings in AUD terms → change borrowing power back