I think I got pretty decent numbers - around 30% of post tax income goes directly into savings for future real estate purchase, 15% to emergency fund and 10% into child's savings account. Not sure I can stretch those numbers much further, probably would need to start looking around for better paying job or double down on side gigs. Side gig income stays on business account and I divide it between savings and education every now and then.

I've been questioning myself if that real estate fund is worth investing into something like index funds for short-term (3-5 years) or is it better to be safe than sorry and just leave it in savings account.