u/pussacat

33F, 100k cash in ING, 133k in stocks Commsec and commsecpocket, 42k in super - just received 35k bonus.

I moved here a couple of years ago, got a great job, and started saving and investing everything in excess of what I spend monthly. I initially planned to salary sacrifice everything into Super because I have about 100k in carryover concessional super but

1. There were recent changes in taxation and it made me worry about future changes
2. I was thinking to use FHSS in 2-3 yrs when I’m ready to buy a house but upon research, I can only withdraw up to 15k super per yr for FHSS
3. I cannot justify house prices. There are 500k decent homes in Spain/Portugal/Italy and I could move back in 10-15yrs if I choose to
4. If I receive the whole thing in cash, it would be taxed at 37% then the cash I will put into stocks- taxed again if I sell

There’s so much tax each move that I’m not sure if it’s worth saving and prepping for the future when there could be more taxes and uncertainty or enjoy it now which also makes me feel irresponsible.

I just want to save/invest enough so I can slow down in my late 40s/early 50s.

Anyone in the same boat? Anyone more experienced? What to do?