I am a 45-12 months-aged nurse earning about $120,000 a 12 months, with dwelling costs of $27,000 and superannuation of about $213,000. I utilized to salary sacrifice to the maximum but stopped in the past 3 years, considering the fact that I submitted for individual bankruptcy in February 2019, owing to a disastrous home investment in the mining city of Newman, Western Australia. I will be discharged from personal bankruptcy in February 2022. Following discharge at age 46, I prepare to get a house for about $650,000 with a $140,000 dollars deposit. I speculate if I must continue on to income sacrifice to the highest of $27,500 a calendar year,…