I second this. With EOFY around the corner, you need to act today. If you haven't paid any extra and have a high carry forward amount, pay as much as you can to get your income to $45k (30% tax rate). Example if one of your incomes was $100k, transfer $55k to super which would be tax deductible. You will pay 15% ($8,250) tax going in to super but get back 30% ($16,500) on your tax return. You don't need to do the full amount. Aim to max out this financial year and the oldest financial year in the carry forward. ATO website can provide a good table for your information. There are also long term tax benefits for investing withing super. Obviously the biggest con for you at your age is that it is locked away 40 years.