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I reckon the 40's are a good time to start. You are making reasonable salary and you (hopefully) have some equity in your PPOR. Plus you can 'see' where your super etc is doing and go " haily shoot ... that isn't going to be much of a retirement." And you still have your health. LL

Have you read Jan's books? Have you read Jan Somer's books ? If not, buy them all and read them twice. She is just an excellent communicator /teacher. The cheapest and best advice you will get in this business. And they are kind enough to finance this forum for all of us. RESPECT !! :cool: LL