u/PPCSer

I know this has been asked before but I've read and read and just can't decide what the best option is. Keen to hear everyone's thoughts on whether I should max out super first vs focus on ETFs outside of super first, vs a balance of both?

I guess my priority is to have the option to retire early at like 50-55 (ideally earlier although probably not possible), but just trying to work out the maths on how to split my money between super and ETFs.

28M, single, $87K gross salary excl. super
1 bed apartment PPOR with $255k on loan, variable
$65K in super
Only about $10K in cash and none in ETFs anymore
$30K in crypto that I'm not selling, but not adding to either (don't lecture me please haha)
Am probably able to save roughly 40% or so of my take home pay

I'm currently salary sacrificing $250 a month on top of the 12% my employer puts in.

My first priority is to save up like $20K-$30K in an offset as my emergency fund.

But after that I'm unsure how I should balance super vs ETFs vs offset.

I've read this and the one on how much to save inside vs outside super - https://passiveinvestingaustralia.com/offset-vs-etfs-vs-super/
but am still stuck with deciding on what to do - analysis paralysis to the max.

At the moment I'm leaning towards upping salary sacrifice to 20%, so like $580 a month? and then putting the rest into ETFs. Another option would be to either max out super or ETFs first rather than splitting between both at once. Or smash the mortgage.

But would love any thoughts from people who have been in my position before and what you did!

Thanks :)