For real, if not for the silly situation I put myself in my clearing out all my readily accessible cash last FY, I would’ve put it all straight into super. Since my super is anaemic for my age and I am hoping to use the FHSSS in a couple of years if things go well.

I decided to put about 25% of the bonus in salary sacrifice and the rest paid out, and have my extra hours this pay cycle counted as TOIL which I can use to buffer the unpaid leave time over my break.

At the end of next FY I can always put the rest of the bonus money into super and claim the difference in tax back so if I understand correctly it is essentially the same as salary sacrifice, just at my own pace and with extra steps. I don’t think I’ll do regular salary sacrifice from my pay until I have a much better financial position, I kind of like being able to control the timing of my contributions and have the money on hand in the meantime in case shit hits the fan as a single person without much family support in Melbourne…