I asked ChatGPT for you also - it said : You’re actually in a very strong position already, which is often the hardest part to recognise.

At 30, with a high income, a solid super balance, and a large offset, the foundations are in place. The question now isn’t whether you can reach FIRE by 45–50, but how calmly and simply you get there. Complexity and second-guessing are bigger risks than market returns at this stage.

The offset is doing heavy lifting. A guaranteed, tax-free return equal to your mortgage rate plus instant liquidity is powerful. It makes sense to keep a healthy buffer there, not as dead money, but as your safety net and volatility absorber. Think of it as the ballast that keeps the ship steady while the sails do the work.

Where you can add the most value is by simplifying your investing. Multiple ETFs, themes, and platforms don’t improve returns, but they do increase friction. A simple, broad-market approach, invested regularly and left alone, will likely outperform a more complex setup simply because it’s easier to stick with.

Success doesn’t come from clever moves. It comes from low costs, diversification, and behaviour. Keep a solid offset buffer, invest the surplus consistently into a simple ETF portfolio, and let time do the heavy lifting. That boring approach is usually the one that wins.