The short version is that I'm 41 with 3 very young kids and I wanted to make sure that I make the most out my money for the next 15-20 years i.e. Good Investments and Tax Efficient. Currently I'm unemployed, but hoping this will change in the next 3-6 months, but my wife is working to ensure that we don't need to dip deep into savings. I'm open to selling properties, etc if it makes sense, so looking for any ideas that I can build a more robust financial structure.

My thoughts are that at the very least I need to consolidate my 401k's into something like a Vanguard Target Date fund and invest some of my $200,000 in savings, as it's doing nothing in the bank with 0.25% interest (but it does give me a sense of comfort that I know I have cash in times of need).

My current situation:

Property

• Apartment in Australia - Est. Value: AUD $350,000 / US $260,000 

    ○ No Mortgage / Instant access to these funds as it's in an offset account 

    ○ Monthly Rental Income: AUD $1,500/ US $ 1,100

    ○ Annual Tax on Rental Income: AUD $2,000/ US $1,474

• House in North Carolina, USA - Est Value: USD: $460,000

    ○ Mortgage: $310,000

○ Open to selling if it makes sense as we're looking to possibly relocate

Cash

• $200,000 in savings (Doesn't make sense with my interest rate now down to 0.25%

Investments

• Ex-Employer Charles Schwab 401k: $31,000

• Ex-Employer Mass Mutual 401k: $22,000

• TD Ameritrade Share Account: $20,000

• HSA: $2,000

Any thoughts, ideas and advice would be appreciated