Hi all I'm looking for a bit of advice on where to go next. A bit about the situation - married, 2 young kids, mid 30s etc. My income ~$200k per year, wife is $60k working PT ($100k FT salary). PPOR - value ~$665K Personal debt - $430k ($300k fixed, rest variable). $30k in offset. IP 2 deposit - $80k IO IP1 - value ~$430k (original PPOR) Loan - $275k IO LOC - $90k - unused IP2 - value ~$320k Loan - $255k IO Clearly I can buy another IP, buy to what end? I don't retire (unless I want to I guess ) for 30 years, it just seems a long way off. I currently salary sacrifice a bit into super to get $25k a year, estimates suggest I'll end up with a $60k a year pension (plus another $15k pension from a previous job, and my wife's super will be a fair bit too). My expenses are relatively high with private school etc, but I feel like I'm not making the most of my situation which has me worried. I know this is a property forum but any non-property related advice would be great. So, what should I do? Other info - We would like to have our PPOR paid off with a tax free pension of approx $100k p.a in retirement (on today's money ). - We've seen a couple of financial advisors and they didn't seem anywhere near value for money and focused on saving money rather than making money. - Happy to work until at least 60 - preservation age of super. - we are in secure jobs, if anything I'm underpaid as I am very flexible in my hours. But I enjoy going being involved in my kids education etc. Similarly my wife could go back FT but isn't likely for a few years yet. - I am not overly hands on, and the idea of committing my time to projects isn't that appealing. I reckon I would be better off doing what I do and just working more than committing to something else. I think that's about it.