u/Flashy-End-5574

As per heading, looking for tips on improvement.
Feel like I’m paying way too much tax and would like to reduce my tax bill and start planning for retirement more/hopefully retire a few years early.

38 yr old

Income $262k inc tax & super (data science manager - inline for 10% increase EOY)
Bonus of 20%-40% if targets met (unlikely this year)
Mortgage $480k owing
House worth ~$750k
Super $210k (Hostplus Aus index shares)
~$30k in offset
~$2k in VAS ($300 fortnightly auto-invest)

Partner(engaged)
39yr old
Small business partnership
Approx $120k business profit she splits equally with partner
~$15k from part-time work to supplement income
$65k super

Out-goings