Please get proper financial advice and don’t listen to this. If you have a mortgage you still need savings. But it does make sense to have a mortgage that you can overpay and withdraw that overpayment if you need to.

But in the crazy world of U.K. banking it is possible to have a lower interest rate on your mortgage where fixed terms and fixed rates are common, than on your savings account. Also you still need savings for emergency repairs, a new car etc. also see offset accounts.

I mean. I hate AI and would rather read a post from a human. But also the ableism is real in that we don’t value rest. My worth as a human should not depend on whether I have a job and can do something ‘worthwhile’.

Maybe it’s because we are similar ages with similar cultural backgrounds but I find your blog really entertaining and that makes it a great way for me to learn a bit more about R. But your worth as a human being should not be tied to what you do. Don’t let late stage capitalism get you down.

Thank you for posting this.