“Emergency funds can sit in revolving credits or offsets… it’s just there to break glass… you can try and go a little bit harder on my mortgage repayments and I’ve got that money set aside if I need it.”

“Having a buffer in an offset account, genuine reserve that you don't touch unless you have to. That's the way it will keep you in the game when interest rates rise...”

“Building an emergency fund. Probably nine out of 10 people that I actually meet as clients don't have an adequate emergency fund. Six month emergency fund”

“Most accounts suggest emergency medicine spend ... is really only somewhere between two and four percent ... now up to six percent on average for plan sponsors”

“I often suggest you have them in an offset account, where it actually means that you're not paying interest for the amount of cash that you've got there.”