u/Dependent-Outcome426

F34/M34: married paid off residence ($1.6m), investment property worth $2m has $700k remaining, $130k shares, $50k high interest savings. $220k retirement each (Australia has mandatory employer putting in 12%, he is $300k and she has a super pension, not working and is often unwell) and all children can access interest free uni loans called help/hecs debt in the next 10-15 years.

1. Are we truely on BS7 for our context and should our financial focus be paying down IP debt then growing shares?
2. How can he enjoy his work/career progression but do less hours now he doesn’t need this level of intensity - as it’s occasionally impacting his and our health/happiness. It’s not the kind of career you can do part time as much as this is the clear solution. All I can see is swap to consulting and do 9 month contracts and have a break between gigs to focus on family, hobbies and health.
3. Rather than giving 10%, she does meaningful volunteer work 10hrs a week: I haven’t seen Ramsey discuss this.