Your liquid net worth of £179,279 is solid, but the real story is the joint finances: while you're running a healthy 29.7% personal savings rate, the household is bleeding capital at -79.4%, meaning your partner's £3,325 monthly spend against £1,854 joint income is creating structural drag that will erode your position if left unaddressed. The good news is your investment portfolio at £131,089 comfortably exceeds your outstanding mortgage of £170,323—you're building equity faster than debt is claiming it. Commission volatility is material (£18,581 average versus £38,145 ceiling), so treat the lean months as your actual planning baseline, Sir. Systems nominal: liquidity sufficient, household cashflow requires attention.