I keep finding this is less obvious than I assumed.
I used to assume that once someone understood how daily interest calculation works, the salary-to-offset redirect would happen naturally.
What I've found is that it's one of those things that makes complete sense conceptually but has a surprising amount of friction when you actually try to change it.
Employer payroll systems, bank setup, the slightly uncomfortable feeling of having your main account look emptier than it used to.
Curious if anyone has run into that friction and what made the difference.
And equally curious from anyone who's made the switch — whether the numbers have started looking different yet?
On Thursday I will run a scenario to show you the difference TIME makes to these numbers.