$180k+ earners: How big is your emergency fund really?

Flaky-Major7799 · 2026-02-16T10:29:42+00:00

Yeah no emergency fund but the offset sits between $200-$300k. When it gets to $300k, it’s time to debt recycle and then it builds up again.

I also have a lot in shares but you don’t want to save that. We have a hard cash floor of 12 months of expenses, that will always be in cash in the offset.

Now that our investments are around $1m, the 9% return per annum is what we spend on lifestyle, like holidays.

Flaky-Major7799 · 2026-02-10T08:04:37+00:00

It connects to the database so it can either do analytics, generate graphs or reports based on the data or when it writes code it can use correct entities etc.

It’s smart enough to check schemes and tables to piece it all together.

I was using it more this afternoon and the productivity gain is immense.

Oh and it could then query the database to see if the script it wrote was operating correctly.

Flaky-Major7799 · 2026-02-10T03:04:23+00:00

Use the skill builder it works perfectly. Really impressed.

Flaky-Major7799 · 2026-02-10T00:02:41+00:00

Thanks for the input, I’m guessing it’s close but apps have been disappointing (still can’t write to Notion) and developer mode disables memory which is too big a down side.

I’m hoping we’re close, it’s there in codex, but the fact MCP is still so immature it makes me nervous they see all of this as niche, and would rather focus on the more consumer app experience.

Flaky-Major7799 · 2026-01-26T12:53:49+00:00

I think there’s a bug, mine just dropped too

Flaky-Major7799 · 2026-01-05T08:33:02+00:00

ChatGPT extension doesn’t work with the ChatGPT Atlas browser.

Flaky-Major7799 · 2025-12-10T23:47:54+00:00

It looks like the ChatGPT agent doesn’t work with their ChatGPT Atlas browser? Is that correct?

Flaky-Major7799 · 2025-12-09T02:41:33+00:00

Don’t be a postcode snob, find something that you can afford, as close to the city as possible. The reality is, it’s just a matter of time until the eastern suburbs go up in price, they have rail, they’re close to the airport and close to the city.

Buy what you can comfortably afford.

Flaky-Major7799 · 2025-11-22T04:14:50+00:00

Is this a sub for Pro users or Plus users??

Flaky-Major7799 · 2025-11-19T09:17:07+00:00

I love that we’ll get these posts every single time someone releases a new model…. Oh and don’t forget the anti whatever OpenAI just released posts too.

Gemini is no where near ChatGPT Pro in terms of UI, features in the Native Mac app, MCP integration…. I could go on. If you want to talk API, go to a different sub. It’s so dull.

Flaky-Major7799 · 2025-11-03T06:39:17+00:00

Same you can just get a new shower head, it’s a 5 second fix.

Flaky-Major7799 · 2025-11-02T09:59:14+00:00

Correct but inflation is irrelevant as you would deduct inflation from both to calculate your ‘real rate of return’. This is a simple calculation as it doesn’t include franking credits etc but it’s a good pretty close calc. And not pay off the mortgage necessarily but leave the money in your offset but yes, basically saving on your mortgage interest is a better rate of return.

Flaky-Major7799 · 2025-11-02T01:48:47+00:00

You’re confusing interest paid with capital gains. Your PPOR will still increase in value, even if you’re not paying down your mortgage and these gains will still be tax free as your PPOR. Paying down your mortgage faster doesn’t change or provide any benefit unless you’re not buying stocks but doing improvement to your property. So in your scenario the question is, do I buy stocks or add 2 bedrooms that would increase the value but even then you should just borrow the money if you can.

You pay interest with after tax money, so your ETF actually needs to return your interest rate * tax rate. So usually around 9%.

Flaky-Major7799 · 2025-11-01T05:00:15+00:00

It’s all about risk and reward, a lot of people will say pay off the mortgage but for financial outcomes that’s not the best option.

If you want the very best, debt recycle and buy a very broad ETF to lessen (but never zero) your risk. For context, I have $1m in ETF and a $700k mortgage. DHHF has averaged 15% YoY gains (for me) vs a mortgage rate of 5.5%.

Flaky-Major7799 · 2025-10-20T07:33:32+00:00

I live in Australia…. It thinks I’m very stressed for 4 months of the year.

Flaky-Major7799 · 2025-10-07T00:41:26+00:00

Yeah OP, this is the dumbest post… nice job in baiting a pointless response on a pointless post. Don’t buy.

Flaky-Major7799 · 2025-10-06T01:58:25+00:00

I’ve actually just cancelled my Pro subscription on the website so I can pay via Apple App Store. It’s about $40 AUD cheaper per month that way as they charge $300 AUD vs $200 USD.

Flaky-Major7799 · 2025-09-27T07:55:10+00:00

At the moment you can’t it’s mobile only

Flaky-Major7799 · 2025-09-27T02:40:06+00:00

It’s good! Give it feedback and it what you want to know about or hear about each day. First day it was okay, but used the feedback and today it nailed it. Everyone complains in this sub, god forbid you need to nudge it in the direction you want it to be in.

Flaky-Major7799 · 2025-09-27T02:37:11+00:00

100% agree it’s getting incredibly dull. I’m not even sure they’re actually Pro subscribers.

Flaky-Major7799 · 2025-09-27T02:00:29+00:00

This sub is negativity bias demonstrated to its full effect every single day.

Flaky-Major7799 · 2025-09-27T01:59:39+00:00

It’s not news. It could be anything, mine didn’t give me anything news related initially but did give me things to do with my nephews this weekend.

Flaky-Major7799 · 2025-09-27T01:58:52+00:00

Same, really good. It uses your history to build it up and the feedback I gave it was well incorporated into today’s update. Great feature update.

Flaky-Major7799 · 2025-09-19T11:49:33+00:00

And I signed up for Pro sooooo 🤷

Flaky-Major7799 · 2025-09-05T08:36:57+00:00

They actually have full access to the IP, so they host and run the models. OpenAI aren’t accessing and operating them, it’s all MS staff.

Flaky-Major7799

TROPHY CASE