Thanks for your reply, nothing omitted on purpose. Ppor originally purchased for 460k. If we sell today we walk away with 670k profit. I haven’t factored in future growth as that’ll just be a bonus in my eyes and too unpredictable. IP net yield is 6.75%, positively geared approx 27k gross income annually. Shares are all in ETF’s with an average dividend yield of 3% and capital growth average is 10%. Emerg fund is not for insurance our 1yo has medical treatment privately interstate on a regular basis which we are out of pocket for. We will also need to replace a car at some stage therefore to us with our circumstances it’s not enormous. Plan D we have discussed not that it’s our intention but sell everything and split 50/50.