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You make that sound like the biggest positive impact! :D The Y-man

Not necessarily just sitting there ;) .... for example, even if it was cash, it could in an interest bearing account or an offset account. Cheers, The Y-man

This is an important consideration to have contingency plans. For us, our first line of defence is that for the moment at least, we have one full time and one part time job for each of us. The second is our cash reserve (usually very little!) The third is usually a draw down on our...