G'day all. Great forum. I am after some general ideas on building some wealth, having reached what I call a bit of a crossroads. I am 38, my wife is 33. We have three young children. We own our own house - worth about $450,000 - debt free. 4 bedder, double garage, pool - so no need to upgrade it - very happy where we are. We own 2 good cars so no need for replacements there. I earn $65,000 p.a and my wife earns $30,000 pa. I have been employed with the same company for 15 years with very stable future My wife has $14,000 in managed funds and we have about $5,000 in the bank as a buffer. I have been fortunate in that I purchased an IP when I was 21 and that has enabled me to be debt free now (having sold it a few months ago). I am over the whole IP thing now & don't really want another for various reasons. I am more interested in investing in more managed funds or shares. At present, we are dribbling money into my wifes managed fund accounts but I am thinking I need to be doing more (maybe gearing ?) to increase long term wealth. I have worked pretty hard from an early age - having come from housing commission with no "family money" to help so I am enjoying the fruits of this a bit now. I am trying to give my kids what I didn't have to some extent. Ideally, I still want to treat my family to a nice holiday each year and not be a scrooge with that side of things - but I also want to be able to build some wealth. I have considered salary sacrificing to super but locking my money in there for 25/30 years does not appeal to me at the moment. Maybe this is the wrong attitude. Thanks in advance. I look forward to peoples ideas.