Hello, My name is Nicole and I stumbled upon this forum when I decided that, as a stay at home mum, I should perhaps use the internet for good (ie. learning something) not evil (ie. shopping!) - and perhaps keep my brain active. I thought that perhaps I could do some research about how my husband and I should invest our hard earned $$....any advice forthcoming from the many on this forum who seem to know so much would be welcome! So far I have read 'Making Money made Simple' - that is pretty much the extent of my knowledge. Our situation is this: Both 34yrs old, 1 little boy, probably think about number two in 6-12months I stay home, husband works, income around $250K Around $300k equity in our home, with $380k mortgage and $80k in our offset acct. Will probably need to think about larger home within 3 yrs. No other investments except a few AMP shares and my husband is participating in a share plan at work - some options he has been given and also some he has been given the right to purchase in the future - so no risk - if they don't go up, he doesn't purchase....as far as I can ascertain. What I am trying to find out is: What other books to read, other ways to educate myself? What is the best first step for us to take - should we pay off home first then invest - or start investing now? Shares or IP? I'm thinking of starting with a fund or two till I learn more. I will keep trawling the forum to find answers and insights but should you feel inclined to post any suggestions for me, they would be much appreciated. Happy New Year!!