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Actually in a little box beside the bed. :D %ages can be misleading... I have about 6 months buffer.

Steve, how do you buy groceries?!? :eek:

Another vote for this sort of ratio! :D 98.95% property (incl PPOR) 0.05% shares 1% cash, but tax time is coming soon, so that buffer will get propped up a little! ;) LVR comfortable at about 65%