I am not a financial or tax advisor, and none of the following is financial nor tax advice.
- Get a financial and tax advisor instead of asking rando's on the internet.
- Reduce debt. No credit card debt/personal loans. Reduce/offset property loans. HECS etc maybe consider differently.
- House deposit, if home ownership is a goal.
- Super voluntary contributions and claim tax deductions, possibly up to 30K a year.
Good luck