Hi all,

    I am a 35 year old currently earning (pre tax) $140k and usually a 10k bonus (post tax) on top annually.

    From this I sacrifice 5% a year to then get a 5% superannuation match.

    My mortgage is split ($1,250 fortnightly) with $780k owing and an offset (see the below) my state of play is.

    \- Offset my portion $55k ( 95k in total across me/partner)

    \- Other savings $30k in a savings account.

    \- Vanguard Managed Fund $15k i drop $250 fortnightly in and $1.5k in ETF that I drop $100 a month in.

    \- Shares = $12k value in two companies I initially invested $5k

    \- Crypto $6k but it’s set and forget (XRP, Avalanche and I drop $50 a fortnight on bitcoin)

    \- Super $170k total ( I salary sacrifice for matching as per above)

    Basically = $85k savings but $55k of it in an offset

    Shares/crypto/vanguard = $30kish

    Super = set and forget

    What adjustments can I make to maximise what I have? Should I divest the cash?

    Changing the $250 a fortnight to say $400? And push some of my food/leisure spending?

    Any thoughts or suggestions?

    Best ways to build on what I currently have (Australian based)
    byu/Dependent-Isopod-985 inpersonalfinance



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