Your household finances present a sharp bifurcation: your personal 39.5% savings rate (£4,712 monthly surplus) is genuinely strong, but the joint account is haemorrhaging at -82.6%, burning through £1,719 per month on what appears to be shared expenses with insufficient pooled income. The £131,043 in investments versus £171,012 mortgage debt suggests you're accumulating assets faster than you're paying down the primary liability, which is sensible given current rates, though your liquid position of £179,174 provides a comfortable buffer against volatility. The commission variance (£18,581 average against a peak of £38,145) introduces meaningful cash-flow uncertainty that warrants closer attention to that joint spending, Sir. Systems nominal: core position sound, joint structure requires immediate review.