Fact is Lollypops, with that sort of income, your financial situation is terrible. Most people here have achieved much more financial security than you have with much lower incomes (though with a cheaper house than you have - that's actually part of the REASON why they have more financial security: think about that. Having an expensive house isn't necessarily a sign of financial security.) The reason people aren't answering your specific question is that you're naive about money, which means you're not going to be asking the right question either.
The classic (and wrong) reason people buy investment property, for example, is to negatively gear to reduce tax.
You're basically a fat person going to a gym full of fit people asking 'I want to know which exercise machine to use to lose a few kgs'. The fit people are telling you what you actually have to do is change your lifestyle of sitting in a sofa smoking and eating chocolate, instead of finding the 'right' exercise for a few minutes a week.
If you don't understand that, then good luck. Your husband is in the sort of income level where, if he continues to do well until retirement in his 60s, might actually earn enough for you to retire on.
The classic (and wrong) reason people buy investment property, for example, is to negatively gear to reduce tax.
You're basically a fat person going to a gym full of fit people asking 'I want to know which exercise machine to use to lose a few kgs'. The fit people are telling you what you actually have to do is change your lifestyle of sitting in a sofa smoking and eating chocolate, instead of finding the 'right' exercise for a few minutes a week.
If you don't understand that, then good luck. Your husband is in the sort of income level where, if he continues to do well until retirement in his 60s, might actually earn enough for you to retire on.