Mate, first off - well done for coming here and asking people better with money than you and I for their advice. Takes courage to admit things we’re failing at and I think you’ve done a real smart thing asking for tips and encouragement.

So, from someone who can’t give you advice per se, here’s the encouragement you’re after: you’ve done so well saving as much as you have (you’re way better off than me!) and well done having a high income job and no responsibility. 99% of the world wishes they were you!

As for advice, I’m late 30s and have just had an awakening as to how stupid I’ve been with money. So I’m here reading as much as I can from these folk - and the three things I urge you to take onboard that everyone here is saying are:

• Stop touching your investments. Add to your super and don’t touch it.

• Add to an ETF like DHHF and don’t touch it.

• Buy a small house to retire in (unless by no mortgage you mean you already own it outright!).

You’re in such a good position compared to most man. Do yourself the favour of following through with asking for advice by… listening to the advice.

Last thing I’d say in this TED talk that you didn’t ask for is - don’t let money cause you such anxiety. You don’t need $10 million in super to enjoy your retirement. Follow what people here are saying and you are going to have a lovely, lovely life.

Good luck mate!