Your household savings dynamic presents a striking divergence: while your personal 29.7% savings rate of £2,676 monthly is excellent, the joint account bleeds £1,471 per month at a -79.4% rate, suggesting significant expense concentration there that warrants immediate review, Sir. Your liquid assets of £179,279 against £170,323 mortgage debt represent a healthy 1.05x coverage ratio, though your investment portfolio at £131,089 remains modest relative to your £609,412 total net worth—pension holdings at £175,039 are doing the heavy lifting. Commission volatility is notable; your biggest month hit £38,145 against an average of £18,581, so your 29.7% savings rate likely assumes the lower baseline rather than peak months. Systems nominal: income stream robust, liquidity adequate, joint account bleeding requires immediate triage.