Katie Wesney

Exactly.

Yeah.

And I think also unique to us, we have a climate of a very profitable banking industry as well in terms of profitability, which potentially isn't replicated everywhere in the world.

So control the controllables team.

Yes.

Yeah, such a good question.

And you've got to do it with eyes wide open because it will punish you if you aren't disciplined in that regard.

So

Remember, when we're thinking about that mortgage structure, ideally, if you have the capacity to pay off your mortgage faster, understand what that is.

Essentially, if you could chuck an extra, I don't know, $10,000 against that mortgage, that would sit owing to the bank within that revolving credit.

And then you would direct your excess funds to that revolving credit, which would decrease the balance.

In a perfect world, it would sit at zero at the end of the year, but you could re-access it.

And I've always loved that re-accessing bit because that's your buffer.

And I like that you can immediately offset the debt in terms of paying less interest.

But as you said, it is a higher rate.

So

Point being in terms of don't float any more than you can conceivably offset or pay off in a calendar year.

Otherwise, you'd fix it and pay less interest and be super purposeful in terms of structure.

I would recommend not using a credit card associated with that revolving credit because it's easier to spend money.

So, yeah.