"I Earn £50k But I Want to Take a £20k Pay Cut” | The Vault Episode 124

The Vault with Financielle · Jul 9, 2026 · 34m

This week we're getting into the messy reality of mortgage overpayments, emergency funds, and whether a dream job is worth a £20k pay cut 👀

This week's dilemmas:

💸 "I've Been Overpaying My Mortgage for Two Years — But I Have Nothing in Savings. Am I Backwards?"

💸 "I Earn £50k and Want to Take a £20k Pay Cut — Am I Making a Huge Mistake?"

Mentions:

🏡 Amortization calculator: https://www.calculator.net/amortization-calculator.html

💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*

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