<prompt> Human: Hello all, have been lurking in this reddit for awhile and learnt a lot about financial options and investment. Now I have a unique problem where I dont know what to do with the money. Situation is:Bank lent me - 550,000About 300,000 is used to pay for a house.I have about 250,000 left.I also have savings of about 90,000.I live in Australia where the central bank has not moved rates up for close to a decade, but banks have started tightening lending rules and has heavier scrutiny. My current interest rate is pretty low, 3.9537;. My savings rate is only 2.837; which barely keeps up with inflation. My household is a DINK and currently childfree trying to keep it as CF as long as I can. What should I invest in, if I should invest in anything? And how much? Hopefully enough to beat the banks interest rates while earning a bit for retirement.  <response>: Youre talking about investing for the first time with borrowed money. Investing on margin isnt something to be taken lightly. Get rid of the debt. 