Pivot Wealth's Ben Nash said a few 'small-but-meaningful shifts' helped boost one Aussie couple's retirement assets and cut their tax bill. (Source: Getty/Ben Nash)Kyle and Karen were a young couple in their late 30’s, living in Sydney’s inner west with two young children. They’d slightly stretched themselves early to buy a family home (with some help from the bank of mum and dad), and parked some savings aside for a renovation they’d been planning for years. Their plan was to get their mortgage down first, and then start investing ‘one day’ in the future. Tip: Start investing early — maybe even earlier than feels comfortable.