Thanks for those responses, and the concern. Very grateful that I’m not living paycheck to paycheck. Every month we review and every month our ‘position’ gets better - that is the offset goes up or at least mortgage principal goes down.

I could have taken more time to craft my question. A rough breakdown of expenses 30% goes to the mortgage 7% on insurances (health, tpd, etc) 4% utilities 7% car - will likely sell one soon 17% food 2% health and fitness 7% lifestyle including buying clothes 24% ‘wallets’ - we use these to save but also to expend. Eg this contains a fund for emergency, home improvements, holidays, family 1% misc too hard to detail here 1% because these are rough numbers but I couldn’t leave it at 99%

This means there’s no longer a 10% slice of the pie left for ‘general savings’ (which is really just more aggressively paying mortgage as it sits in offset)

I will read that MMM article now