yeah that is what i was thinking because if something happens and cant save $1000 a financial year, i cant access the money until im 65 or i have to put it in my super annuation account

sorry just one more question, would by investment be of greater value if i put $5500 in first home saver account and $4500 in savings account (6%) or if i just put $10,000 in the savings account with 6%. I have done the figures myself and it roughly the same