You might need to do a little more research into super Mag. Doesn't actually allow YOU to make more money now outside of super. Effectively a tax structure. Say you are situated in the 30% MTR (above $36k but below $80k), on say $10k you are paying $3k tax. If you salary sacrificed into super that $10k, you will only pay $1500 tax, although your money is tied up until preservation age (currently 55). This won't give you extra dollars in your tax return - it will actually give you less money in your pay, however your super will be boosted and you will save $1500 in tax. The only way you can get money out of super before 55 is severe financial hardship, disability (I think) and death. I am the same age as you and the only reason I am salary sacrificing a large chunk into super is so I can set up an SMSF to purchase my business property in at a later date (then pay market rent to my SMSF from the business). Depends what you want to do and what your goals are. Sometimes it is better for younger people to increase wealth outside of super - who knows what rules the government will change next that could hinder our abilities to use our super as we please in retirement, or at what age we can access it. Do some more reasearch anyway Mag - all the best.
