Hi all, not sure where to start with a plan to build wealth for my wife and i. Real estate is making me a little nervous as are shares. He is current situation and would like to know what others would do in my position. current situation My income $220k / wifes income $60k. PPOR value $510k Mortgage $375K Offset account $65k. We currently are saving well as loan is small for our apartment and wages are good. Will look to have kids soon and move into bigger house in next 2 or so years but wondering what to do in the meantime. Should we invest in investment property or shares or keep piling it into the offset.