Finance & banking — FAQ

MyState mortgage + offset (~$31k), Vanguard investments, McDonald's income. Live numbers in banking apps — see Finance.

FIN-001 — Where does Saxon's money live?

1. MyState offset (~$31k primary savings), Vanguard investments, day-to-day in Macquarie legacy accounts.

FIN-002 — What is the offset account?

1. Savings linked to mortgage — every dollar reduces interest. See Understand offset.

FIN-003 — Offset balance amount?

1. ~$31k — check MyState app for exact figure.

FIN-004 — Login to MyState?

1. Vault → MyState — Login MyState.

FIN-005 — Make mortgage payment?

1. Make mortgage payment — details in vault.

FIN-006 — Login to Vanguard?

1. Vault → Vanguard — Login Vanguard.

FIN-007 — Vanguard contributions?

1. On schedule per Vanguard doc — check app.

FIN-008 — Monthly money routine?

1. Monthly checklist and monthly routine guide.

FIN-009 — Income source now?

1. McDonald's Product Quality Manager Sunbury — Career.

FIN-010 — Old Woolworths pay split?

1. Retired — ignore archived 50/50 routing in old docs.

FIN-011 — Emergency fund location?

1. Offset is emergency fund + savings — see Finance index.

FIN-012 — Find bank BSB/account?

1. Vaultwarden — Find bank details. Never in SaxDocs.

FIN-013 — Pay car insurance?

1. Pay car insurance — vault login.

FIN-014 — Pay phone bill?

1. Pay phone bill.

FIN-015 — Pay Amazon Prime?

1. Pay Amazon Prime.

FIN-016 — Pay Greenfleet?

1. Pay Greenfleet.

FIN-017 — Who gets Saxon's money when he dies?

1. Not family directly — children at 20 or charity per will.

FIN-018 — Can spouse access offset immediately?

1. Needs legal/estate process — contact banks handover banks.

FIN-019 — Freeze accounts?

1. Bank may freeze on death notification — have death certificate ready.

FIN-020 — Macquarie still used?

1. Legacy float possible — check apps after vault access.

FIN-021 — Frollo or Blossom?

1. Archived — no longer used. See Finance archived.

FIN-022 — Property location?

1. Sunbury VIC — details in vault/settlement docs, not public street in SaxDocs.

FIN-023 — Tax time?

1. MyState interest statements + Vanguard + McDonald's PAYG — accountant or ATO.

FIN-024 — Offset vs redraw?

1. Offset reduces interest on full balance — see MyState offset.

FIN-025 — Extra mortgage payment?

1. MyState app/portal — vault login — optional lump sum.

FIN-026 — Vanguard sell units?

1. Major decision — estate lawyer/beneficiary rules — not rush day one.

FIN-027 — Password lock on bank?

1. Stop guessing — vault or bank password reset with ID.

FIN-028 — Finance docs behind login?

1. Yes — Cloudflare Access on docs — Authentik.

FIN-029 — Survivor money overview?

1. Money overview for survivors.

FIN-030 — Buffer goal for offset?

1. See MyState offset — Saxon's target in that doc.

FIN-031 — Direct debit failed?

1. Check offset balance, update card in vault login for that bill.

FIN-032 — Change mortgage autopay?

1. MyState portal — don't cancel without replacement payment method.

FIN-033 — Children learn finance from docs?

1. Will expects familiarity by age 20 — Finance guides.

FIN-034 — Charity if no children?

1. Spouse picks charity, else immediate family per will.

FIN-035 — McDonald's pay goes where?

1. Check MyState/Macquarie in app — Saxon routed to offset strategy.

FIN-036 — Insurance payout separate?

1. Home/car/life policies — notify insurance guide.

FIN-037 — Credit card in vault?

1. Search vault — pay before canceling subscriptions.

FIN-038 — Scam call about bank?

1. Hang up — call bank using number on card, not callback number.

FIN-039 — Two-factor on banking?

1. Phone or YubiKey per vault entry — don't remove until access confirmed.

FIN-040 — Financial planner?

1. None documented — solicitor/accountant for estate.

FIN-041 — Offset dropped suddenly?

1. Check for large withdrawal, pending mortgage debit, or fraud — call MyState.

FIN-042 — More finance help?

1. Finance index, handover banks.