Your joint finances are operating at a structural deficit: combined household income of £10,853 monthly against £3,325 joint spend creates a -79.4% savings rate that's entirely offset by your personal 29.7% surplus, sir. The real story is capital efficiency—your liquid assets of £179,279 against a mortgage of £170,323 means you're nearly mortgage-neutral in liquid terms, though your investment portfolio at £131,089 suggests disciplined allocation despite commission volatility (range: £18,581 to £38,145 monthly). The joint account hemorrhage warrants examination; either expense allocation is misaligned or the secondary income stream isn't covering its allocated spend. Total net worth of £620,044 remains solid, anchored by pension holdings of £187,484 and property equity. Systems nominal: cash position healthy, investment growth tracking, joint account rebalancing recommended.