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ISA and Emergency Fund Question

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Mortgage Was £153,000 - Now at £135,391 - 199 remaining payments, target 173 - Now Saving instead of Overpaying to build a one off overpayment once fixed deal ends, as savings paying 3.65% than mortgage rate. - Emergency Fund £4,935 / £6,800 73.0% - Age for early Retirement 66 Currently, but aiming for earlier, number of months to go 147
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