Your household presents a stark bifurcation: your personal savings rate of 29.7% is solid, but the joint account is hemorrhaging capital at 79.4% deficit—running through an extra £1,471 monthly—which will erode your liquid buffer of £179,279 within two years if uncorrected. The math improves when viewing total net worth (£609,412), where your investments (£131,089) comfortably exceed mortgage debt (£170,323), and your pension sits at a healthy £175,039. Commission volatility is material; your biggest payday (£38,145) nearly doubles the average (£18,581), so smoothing for lean months will be essential. Sir, the immediate pressure point is the joint account's structural deficit—that's not a spending problem, it's an income problem on that side of the ledger. Systems nominal: data current, no red flags on individual trajectory, joint account requires strategic review.