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@tcassidy Re: stockmarket, check out passiveinvestingaustralia.com But don't rush into investing, top up your redraw and get comfortable first :)

@raebee Ah, generally the emergency fund is cash. That's what I was getting at. I would assume their fully offset mortgage includes their emergency fund in the offset.

@jesusismyfirstlove That assumes they started with zero cash outside their deposit/fees, which would be pretty financially irresponsible.