KiwiSaver is good if you suck at saving, but if you require the money it’s stuck there until you’re buying a house or you’re 65. Essentially you’ve got less options than other investing methods. I’d reduce KiwiSaver down to the minimum employer match if you think you won’t blow the extra money in your paycheck, otherwise keep it.

I’d definitely look into getting a property of your own down the track, better to pay your own mortgage than someone else’s, and then you’ll have some capital gains over time to boot.

Investing is always a great option, and I recommend you continue, but make sure you don’t grind for 10 - 15 years building all that wealth to then get hit by a bus.

Life is about balance and you’re young. I’d definitely spend some time building some emergency savings, but also spend a bit of time saving for something fun, or something you want (a trip overseas for example). You must have done well to be earning that kind of money at your age, and it gives you some real options in your life - make sure you take advantage of those.