Q. My husband is 36 and I’m 29. Excluding super, he earns $135,000 and I earn $95,000 but I am on maternity leave with our eight-month-old son. We have a $740,000 house with a $200,000 mortgage at a favourable rate from family. We have $245,000 in super and $370,000 in Australian and international shares/managed funds. We have $30,000 in cash, and salary sacrifice into super to the cap (only recently started this).