Q&A - Cash-heavy at 48, bridging to early retirement, and debt-free at 31

Four listeners at genuine turning points. "Steve," 48, with a wife of 54 and a large cash holding, knows he's too conservative and wants to move into ETFs ahead of retirement at 57, while supporting a special-needs adult child and navigating his wife's super unlocking first. How should that shape the inside-versus-outside-super split? An anonymous couple on the Mornington Peninsula, 39 and 40, have built a four-property-plus-SMSF portfolio but zero borrowing capacity, and want to be work-opti...