Hi all, Hoping to gain some wisdom as someone who is fairly new to the investment game. Currently have our PPOR, paying interest only and storing the principal in Offset Account. Have just had our first baby, so we changed to IO to have the flexibility with our cash. Aside from our home, we do not have our money invested anywhere else, apart from of course Super. I have been in the 'research phase' for about 18 months now (both property and shares) so I understand the game somewhat, though as our baby girl has come into the picture and our income is halved for the time being (I'm currently sitting on approx. 92,000 before tax) I am becoming increasingly confused regarding whether to leave our money sitting in the offset (we have around a year's worth of living expenses sitting in the offset - I'm good with only having 6 months), or whether to go for a more 'aggressive' strategy and have our cash working for us a bit better. A while back I had a chat with a fairly reputable financial advisor regarding debt recycling, which worked really well with our plan and goals. However, the fees were quite expensive (the initial set up cost and ongoing management fees) and I am wondering whether anyone has a. any experience with debt recycling which could help me to decide whether to move forward with it, or b. has successfully implemented the strategy themselves? We are looking for something fairly passive and simple (nothing exciting), which can become automatic, and am wondering whether a simple 'invest in ETF/LIC' approach will have much the same long term returns, minus the management fees? Or whether the management fees in this case (the complexities of having an effective debt recycling strategy) are worth it? Thanks all! Looking forward to hearing your views.