Should I be putting my savings in an offset account, or paying it straight off the loan and accessing via a redraw if I need it? This is a question I get asked pretty regularly, so perhaps it's on your mind too. <a href= "https://financialautonomy.com.au/general-advice-disclaimer">[Disclaimer]</a>

Should I be putting my savings in an offset account, or paying it straight off the loan and accessing via a redraw if I need it? This is a question I get asked pretty regularly, so perhaps it's on your mind too. [Disclaimer]

Should I be putting my savings in an offset account, or paying it straight off the loan and accessing via a redraw if I need it? This is a question I get asked pretty regularly, so perhaps it's on your mind too. <a href="https://financialautonomy.com.au/general-advice-disclaimer" rel="noopener noreferrer">[Disclaimer]</a>

Offset vs Redraw

Plenty of books, podcasts and blogs focus on building wealth – and that's great, as far as it goes. But focusing just on wealth misses the point. 

I believe what most of us actually want is to have choice.

Choice in how much time we give to income-producing activities.
Choice about what those income-producing activities are.
Choice about where we live.
Choice about when we retire.
Choice about the ways we use our money to produce happiness.

In the Financial Autonomy podcast, I explore the different ways you can gain choice - from investing in stocks to becoming self-employed, starting a side hustle, or buying an investment property. I share learnings I've gained working with clients for over 20 years as a Certified Financial Planner, and interview others with interesting insights or experiences in gaining choice in life.

Business

Education

Self-Improvement

Investing

Plenty of books, podcasts and blogs focus on building wealth – and that's great, as far as it goes. But focusing just on wealth misses the point. I believe what most of us actually want is to have choice. Choice in how much time we give to income-producing activities. Choice about what those income-producing activities are. Choice about where we live. Choice about when we retire. Choice about the ways we use our money to produce happiness. In the Financial Autonomy podcast, I explore the different ways you can gain choice - from investing in stocks to becoming self-employed, starting a side hustle, or buying an investment property. I share learnings I've gained working with clients for over 20 years as a Certified Financial Planner, and interview others with interesting insights or experiences in gaining choice in life.

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Offset vs Redraw

Offset vs Redraw

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