Is Buying Solar And Battery From Your Offset Account Worth It?

Using money from your offset account to buy solar and battery could be one of the smartest financial moves you make. Or it could cost you more than you save. The answer depends on your mortgage

rate, your power bill, the system you're considering, and how long you plan to own the home. But most homeowners are only shown the solar side of the numbers, not what

taking money out of the offset actually does. I'm Jason. I'm Cam. We're the owners of Source Energy Group, where we've designed and

installed countless solar and battery systems for Australian homeowners. In this episode, we're joined by Zach from At Finance to compare solar, batteries, and offset accounts properly so you can

understand the tradeoffs and work out what questions to ask before you make a major decision with your money. Welcome back, guys. Uh, we've got a episode today that I actually quite like. I

mean, I like them all, but uh one of our reels that we put out, which is a little cut from previous episodes, talked about using your offset account and how that could be a benefit for you to go solar

and battery. It got quite a few views, shares, and saves. So, I thought, why not get an expert in on this uh topic? So, today we're joined by Zach from At Finance. uh they're a finance broker.

He's going to run us through the benefits of potentially doing that when it might make sense. And we're also joined with Tim the Potty King from Newcastle. Uh Cam's not with us today.

So you got me and Tim here. So thanks for coming in, Zach. Thanks for having me. Thank you. Awesome. So look, that's the topic of

today's conversation. So through your eyes, when would it make sense to potentially look at your offset account or mortgage? uh as opposed to the general uh way people purchase solar.

Uh most of the time you're going to look at it from a cost aspect. Solar and battery I should say and battery. Yeah. Uh from a cost aspect is a big thing. So um if we're using money

from offset we're really the difference of a home loan rate. So the average person is going to probably look towards a personal loan versus an offset which are losing out of the offset when you

take the money out the equivalent of a home loan you know around the sixish percent. Yeah. So when you start to want to access from a cost aspect in the sense

of interest taking money from offset you know what you've been offsetting against the home loan that's now been used out to pay you know for the solar and battery. So your equivalent is roughly

early sixes on a home loan. Yeah. So when a solar and battery sized up properly um it is going to vary slightly from home to home cuz every home's different but it's going to be

plus or minus of around that 20% sort of internal rate of return. And that's why I personally believe if I was doing it and everyone's different, you know, if I had say 35,000

sitting there in the offset account doing nothing. Oh, well, it's not doing nothing but it's offsetting. But as you say, you know, on average a 6% return there, if

I'm getting plus or minus 20% return, to me, that just makes sense. But I know a lot of people probably don't understand the numbers. And so I guess that's why we got you here. Let's break it down and

and run through it. Um, and I'm sure you probably got plenty of questions around this as well, Tim. I know it's something that you've asked about. So, let's just

hit Zach with it or Yeah. see what he's got. Yeah. I mean, like my biggest thing u I think

the biggest thing on my mind is obviously we have options for customers that they haven't got the money up front to be able to pay X amount for a system.

So, it's we use Bright for example. Right. You know, they have the 0%, but you know, we all know that it's not. We don't actually use that one. We just

use the green loan. The green loan. Yeah. Nothing's free, right? Nothing. No. Well, that's it. Nothing's free. And obviously, we have sales. We

need to put in stores in for customers. So, it's finding the best option for them where, okay, you you're not going to have the money up front. All right, let's look at a loan for you. So we're

trying to explore all those options where all right where like what's going to save you the most amount of money I guess over the longest period of time are you in that sense

that nothing up front is very important I guess that people get clear on cuz everyone will see solar ads and all of a sudden they're like oh free and it's you know they think it's free

no ad out there says it's free it says $0 upfront or you know nothing upfront so and that is through something like finance loans Yeah, like bright, like we offer the green

loan. Some people use the 0%. Which technically, yes, it's 0%, but we won't go down the path of that. Um, it's just why we don't use it while we use the

green loan instead. People can pay cash. There is more options. They can get their self financing and exactly what we're here to talk about today with Zach. So, mortgage offset, how would

someone structure it or how would they do that? Probably the biggest thing we see come through the doors every day is it's probably the education piece as much as what they're trying to achieve.

So it's solar is an investment back into your house. So treat the loan or the financing side as an investment structure for that asset. So there are many ways you can look at it. Cash flow

is a big thing we're seeing today. Definitely when we look at clients that rush out and just get get a personal loan, you know, it might cost them, you know, the average sum is roughly a

hundred bucks a week per 20,000 on a normal repayment. M so if you're starting to spend a couple hundred bucks a week on a set repayment over 5 years that can't be adjusted with

a personal loan versus if we start to look at money out of offset if we've got the cash savings we're going to get the return back from the saving with the solar or from a home loan perspective

you know we can one you've got the minimum repayment amount which is obviously going to go down the path of 30 years ideally just something just popped in my head

then when you're talking about that like Um, obviously the whole idea of going solar and battery is to save money and which helps increase your cash flow even if you finance the normal way. It's

going to increase your cash flow and then once it's paid out increases it even more. So from what you just said there and this is the way my head thinks you

actually if you structure it properly through the mortgage like you're talking about you're actually getting a double effect of the solar and battery. Correct.

It's not just the power bill saving. Yeah. It's probably the big thing on if you flip it back the other way, right? So like the average person will come in and do solar and battery and then life's

great and they'll probably want to renovate, you know, come in, renovate the house, do all those things down the track. Where we've got to try and tell people is if you rush out and say get a

personal loan to cover, you know, your solar setup potentially that could knock up to $100,000 off your borrowing capacity if you want to come back and do solar now on the shed, if you want to do

a renovation back to the house. So, we're not pre-thinking the impact of the quick funding because that doesn't really come into our mind when we're trying to solve a problem.

But if you've got someone you're working with that understands, treat it as an investment and how am I going to fund this as an investment, you can start to create products and

structures to get really the leverage aspect of borrowing. That's the big thing, you know, and there's a lot of products out there, you know, from mortgages essentially as home

loans where we're seeing rates in the high 3s fixed for 5 years, you know, from a solar perspective. So meeting all that criteria, you can essentially use the equity from your house,

pay for your solar system, and you're probably going to whatever you, you know, if you're getting a 20% return back on it, you're going to have your solar system paid out

and owned with the leverage within that 5year period quite easily. Because if you're talking a standard interest rate of the high threes that does not change, you're talking roughly what 160 bucks a

month as a minimum repayment. And all of a sudden that saving you're creating as a rebate back in is going to pay off the mortgage plus pay down that loan 10 times faster. You know, we're starting

to treat it as now an investment. Yeah. It's a compounding effect in the right way. Correct. So,

so we're going to leverage that aspect a lot smarter, you know, which allows you to get the better systems in place. You know, you're not trying to go for the cheapest to save on the weekly

repayment. You're trying to go now what is the minimum? What is the outcome? And you can fund it accordingly. Yeah. Well, what we always preach and always talk about is don't buy

offtheshelf package like a lot of companies will just have a standard 6 kW or standard, you know, 20 kW battery or whatever their package is and people just think that's what they're going to

buy. We're always it's you got to go through the usage, you got to go through the household and we're very big on future usage. What are you going to do? So, in other words, what renovations you

going to do to the house? Is are you adding extra air con? You're adding pools? You're adding all this stuff. So, I guess this all works hand in hand like when they're designing the solar and

battery system and they're thinking about this. It comes into what you're talking about there with the finance. You can actually set the whole thing up where you're not only getting the

electricity saving, but you're getting the I guess potentially paying your home loan off sooner and you're getting all those extra renovations that you actually want to get. You know, making

your home a real home and not just something you're living in. And you have that discussion early on, right? That's something we're going to do with a client is this is step one of

the investment, but what are the future plans? Yeah. Because if you do rush out and get the wrong finance,

constantly we happen to come back in and consolidate, tidy it up, you know, because it's in this day and age we're seeing, it's the the weekly repayment is what people are looking at.

Yeah. You know, when we look at a mortgage aspect, it's always about the minimum repayment and what we choose to make as an extra repayment to pay it off faster.

Well, on that subject, so remember I said we don't do the 0%. Okay, we use the green loan and we can either do that 5 6 7 8 9 up to 10 years. And I always explain to people and it's

up to the end user, but I always explain I would take the 10year option because the re minimum repayment is smaller. That way if you're ever in a tight situation, worst case scenario, that's

all you're committed to. But I would pay it off as if you had the money for the fivey year type thing. Correct. Use the minimum repayment plus your savings coming back in from your

solar to fire that down as fast as possible. That is um definitely, you know, from a strategy perspective, what I would probably encourage always.

Yeah. Best thing about doing it out of your mortgage as well, you can recycle the equity down the track. So once you've pulled all the money back

into offset and offset the equivalent of what you've borrowed to pay for the solar, that money is now fully offset, right? It's like having your cake and eat it too.

Correct. You're paying off the debt, but you've still got it there anytime you want to access it for future usage. Correct.

And by using the rebates to come back in that you're saving, park that in offset, you're reducing the offset against the home loan back what you've taken out if you've used it from a cash perspective.

Well, that's and from a borrowing perspective. Yeah. So that rolls into a question that I sort of I had pre-planned and it's you know what happens to the mortgage

interest when you take money out of the offset and then it sort of rolls into you know when do those energy savings outweigh the extra interest you know. Mhm. The big thing is is the way an

offset works I suppose is most people really today the average person talks to doesn't even know how an offset works. They know they've got one. Um but the easiest way to explain how an offset

works is for every dollar you have in offset, it offsets the interest the bank charges daily. Okay? So interest is always calculated daily and charge monthly from a bank's perspective. So if

you take, you know, money out of the offset to pay for your solar and battery from day one, each day that it's obviously out of your account, the interest will just your minimum

repayment doesn't change. So your monthly repayment is the monthly repayment. It's just now more goes back towards the interest because you've used some out of offset and less goes towards

the principal. Yeah. So in other words, when you got stuff in offset account, your repayment, more of it goes towards the principal than the interest.

Yeah. And so when you take out your money to pay for solar, the repayment doesn't change. It's just now obviously you're increasing the interest that's being charged. So when you're starting

to get your repayments to come back in your Well, you're saying come back the other way. That's awesome.

Yeah. Yeah. So when you get your rebates coming back the other way plus your wages plus So when you say rebates mean you're talking about the savings

savings on correct your savings on you know putting the solar and battery in. So when you're starting to get that that money back through or what would have been a bill you know essentially that's

a saving coming back in now parking in your offset. So this sounds even better than what I initially had thought. Yeah. I think a lot of it is just you

really need to have that. You make this make sense? I'm just I'm learning. Yeah. Like it's good for me to like cuz I feel like I'm learning but like I'm

taking it as taking it in as if like I was just like a customer like that we would you know try and install for. So I'm trying to I've got a couple of things that like clicked in my

brain where I think can be like really helpful for like our business model which is like obviously we we try and go for a very professional standard and when it comes you know how Jason was

talking customer first. Exactly. Right. So Jason was talking before about how you know you got companies out there that say all right

you're either getting a 6.6 or an 8 or a 10 kW package where that's like not what we do. like let's let's tailor this as best as we can that we know is going to work for you. So, it shows that we're

already caring there. And like I think this avenue that you're explaining to me that I'm slowly slowly understanding is it's easy to, you know, I think you mentioned before the personal loan, you

could just go get approved like that. It's like a rushed decision because you think, "Oh, it's an easy fix." But then instead of like making a rushed decision, you could actually just slow

it down a little bit, find some benefit with obviously what you're explaining to us, and really see a big saving and a quicker return, which I think's the goal.

Like that's I think that's what's really important. And it I guess we can off I mean I offer what however you want to put it to our customers. Yeah. It's it's one way that an option

you know like it I think it gives them that sense of like oh these guys they're not only caring about like our install and they're going to do a great job but they're also caring about like how how

much benefit we can get out of like the financial aspect of it. It's the final outcome that the customer gets that's that's what counts. So, I might have been quiet there, but I was

taking it all in. But that's that's what clicked in my brain is like, "Oh, cool. We can take we can really take care of this customer and get like it's like the whole package." So, yeah. No, I'm I'm

picking up. And you can look at it away as um let's say for instance, the client's got a current home loan. We look at lenders where they can get access to a solar,

you know, a green loan essentially from a home loan perspective. You know, we can create what we call a separate split. So, in other words, you've got your main part of your home

loan. We create a secondary loan for the solar side of things. Um with rates fixed for 5 years starting in the high 3s on that portion unlimited repayments.

So when you coming down this path of personal loan versus other options your set repayment is set right with a personal loan. When we look at it from the home loan aspect the banks lent it

to you for the equivalent of 30 years right but we want to pull that back as fast as possible. So, if we're saving, you know, if we look at it from a saving from a cost aspect,

let's just use $1,000, nice round number, $1,000 quarterly bill, when it's all sized properly with their usage and everything like that. Look, they might be left with around $100 with the supply

charge. Look, a lot of the time they'd be less than that, but let's just say $900 a quarter. Let's And if you flip that backwards and you go, "Right, well, what's the minimum

repayment the bank's going to take on, you know, um, a large system?" I suppose you could say what is go for the top. It might be a repayment of roughly minimum of 160 bucks a month, right? Versus a

personal loan which might be $180 a week. Yeah. So now we can go well let's look at it from a savings aspect. The minimum the

bank's going to take is 160 bucks a month. Let's fire everything we're saving into the offset. Let's make extra repayments. Yeah. 740 back in

back in. You know, that's a quarter. Sorry. So you're going to be what? 500 coming back in a quarter pretty easily coming back through as an extra repayment

straight back into what we've done. You work that out over a compounding time, the whole systems paid back within four to 5 years purely just of the minimum repayment and the savings that

you've created. Yeah. Which is a pretty good payback time. Like that's and if you had to say let's say for

instance now where we're coming into the unknown and everyone's kind of saving every penny and watching, we can go well let's just make the minimum repayment this month. Yeah,

we don't have to pay extra. We're not forced to have that $200 a week coming out no matter what. We can get through this month of 160 as a minimum.

I've understood for a long time cuz like I've always dived into money. Um but it's a lot of people actually don't understand that concept. They all look at

paying it off shorter. So they take like the shortest time frame and they end up with this bigger repayment. But it's like what happens in the worst case scenario. Correct.

Yeah. You screw yourself over. Yeah. always take the minimum repayment possible and then contribute more when you can fire in on top and if you push it to 10

years you still got your better return right so the return's still there whether you have to do it as a 10 year loan 7year loan 5year loan you know you don't ideally want to get a

a loan and push it to 30 years no because you know that's just not really what you want to do no

but it what it does it saves when times say get tough you panic right that's the average person is doing at the moment they're rushing in they've gone and those interest free solar loans now

they're having to consolidate them back into their home loans to free up the weekly repayment. Yeah. All right. So if you think of it the

other way and go well solar is it is an investment. Treat it like an investment and how you fund it. So obviously everything's about the interest rate with mortgages. We're

talking about solar and battery should give you a plus or minus 20% um return. That all comes down to sight specific things. So it might be 15% on one home because they needed more infrastructure,

higher cost. Another home might be 25% or something like that because obviously less cost to install because it was just straightforward. Okay. So it's all about interest rate on one side, interest uh

percentage and return and so on. So when would it probably not make sense to the homeowner to go the mortgage path based on rates and interest and everything like that?

If you've got the cash flow is probably the big one, right? So when you're on large incomes, strong jobs, strong asset position, everything there. Going down the personal line, it's fast, it's

quick, you've got the ability to make those repayments. Yeah. Um when you're looking at it from the other aspect, from a home, I'm not a

believer in rate. I'm more of a product sort of person, right? So who's going to give me the money based on the products I need to leverage the most? The difference between a 6% and a

6.1% or 6.2 from a minimum repayment perspective is bugger all, right? It's what product like an offset account, you know, not every loan offers an offset account. Not every

loan. Surprisingly, so many people don't even know what an offset account is still. Correct. Yeah, they've got one. They might pay

for it, but then they've got a savings account they hold their money. I'm learning. So, it's these things where you go, well, what's the product and what's the

goal? So, how fast do we want it to be paid off with what you're saving back the other way? Use the product to help leverage that. You know, kind of flip

the script a little bit. Otherwise, you will fall into the trap of 0% interest because we're always taught to get the cheapest interest rate. Yeah.

It's not, you know, there's obviously been enough said in the car industry and things like that with 0% and 1% finance. I look at things differently, but me personally, the interest rates never

really been too much of a no factor. There's so many other things to look at. Yeah. It's what you're getting based on

the money you've invested. So, what's the return back? That's where you got to look at it from. M so I guess this sort of in your eyes based on everything we're talking about.

I mean someone with a larger bill is always going to get a better return. It's just how how the numbers work. Would there be in your view a bill size where it doesn't make sense? In other

words, I shouldn't say bill size because it comes down to the savings each person gets. Um and generally it's going to be around that 90 plus.

um you know is there a time when someone with a very small bill would you say it doesn't make sense to them? I'm actually thinking it probably makes more sense because of the structure. So

it's all about what are our plans in the future, right? Because how we say use cash or offset or um personal loans, it restricts our ability, you know, in 12

months when we decide to do something else, you know, if times get tough and let's say we've used cash out of offset and that was all our cash we

had because we didn't want to borrow. Well, if we don't have any cash left, it kind of defeats the purpose. Yeah. So, every person's different. And

probably the big thing I always try and work with the client and say, "Well, what are the next five year goals with this property or with what you're achieving?" And once you know that, then

you can start to go down the path of what is the right way to fund, you know, the product. I guess what a lot of people are going to want to understand is I mean, as with

everything, there's so many things to look at to see what's best for you and your home and everything like that. And not just talking solar and battery. And then people get to this point where the

analysis paralysis, they just get sick of looking at what's best. Mhm. What would be the simplest way someone could go, all right, am I better just to go with the standard say green loan that

is fast and gets me saving on my bill as opposed to do I take the extra time and go down this um offset mortgage or restructure through the home loan type of thing. What's the simplest way to

compare? Probably 90% of debt consolidations are the green loan at 0%. Right? the debt consolid year one or two back into your home loan purely because

of the weekly repayment. Yeah. Okay. The one that's very litally like very little just on that topic there like the 0% was

good for solar. I personally don't believe anyone should be doing um solar and battery on 0%. Um, but those ones that where the weekly repayment is more than the benefit

they're getting is I personally believe comes from incorrect size systems and they're not actually getting the savings that they should have. Yeah.

So, I just wanted to chuck that in there. Yeah. But if you look at it from the data perspective and it's like what is debt console?

That normally is the case, right? Client comes to you in year two and they want to put a pool in. Yeah. they can't service the loan because of that, you know, current

repayment for what they've created to get the solar on the first place. That brings me back to the same old thing. If the people that sold them the solar asked, are you getting any future

improvements to the home pools? It's like the lot. Not only should they size the system for the pool as well, it should have been a consideration in the long-term effects.

Yep. So, yeah. And then you can tidy all that up in the one conversation from a lending perspective. Right. So, you can pre-plan

for these things. Yeah. I guess you kind of answer the next question I sort of had pre ready, and it's what's the biggest mistake

homeowners make when it comes to uh the savings around this? And it's just, I guess, rushing into it. They think about the product, not how the funding works for the product.

Right? So, our our goal is to buy something and then figure out how we're going to pay for it after we've signed the line. What I would probably we with our client

base and how we educate on that side of things is have the discussion. What are you trying to do? How do you fund it? And what is going to be our plan over the next 5 to 10 years to make sure what

we do, we don't have to fix it again in a short period. Yeah. Well, I say it all the time. No one lays in bed at night dreaming about the solar and battery system they're

going to get. Okay. Yeah. Except for you. You'll win. Um I can't wait for Like people will lay in bed at night dream about the car or

the boat or the holiday they're going to go on and you know but no one freaking lays in bed dreaming about solar and battery. They only go solar and battery for one reason

and that is but yeah sorry he was pointing I was going to call him weird too. Um you only ever go solar and battery for one reason and that's to save on the

power bill which essentially is helping with the cash flow in the household so you can do other bloody things with that money. Yeah. Correct. Okay.

Yeah. So, and to leverage your savings, like you know what you create back and how you can fire that back into offset, start to

build your saving pattern once, it's like the psychology of money, right? Once you got money in your account, you don't really want to touch it. And we always say to clients like

it's when you get your first 10,000 in savings, you don't want it to go back to nine. But if it goes to 11, you're happy for it to go back to 10.

All right? And then when you get to 20,000, you don't want it to go back to 19. All right? it gets to 21. Yeah. If it goes to 20, it doesn't matter. But if you can start to see this compounding

effect going on, you're actually going to change your spending habits moving forward. Yeah. All right. So, if you're finding

different ways to look at lending and how you leverage the bank's money, plus, you know, obviously the savings back the other way, you're actually putting yourself financially better off down the

track. Yeah. So, like I said, they only ever goes solar and battery cuz they want to save. And like one of the biggest benefits is you do other stuff with that

money. And we get clients on here on the talking about the benefits they received. One of them talked about he's putting that money into buying bikes now cuz they mountain bike. We had other

ones talk about they're going on holidays. Both of those could have they already would have gone on holidays and gone bikes already, but they they talked about the money that was freed up. The

last one we just spoke to, which it'll be out soon or if not, I'm not sure if it's been out yet, but her money went into an EV. So now she's also saving on fuel and all set up for a future

business and everything like that. So it is it's all solar and battery is an investment like you said at the start and that's all it is cuz we invest in stuff to make money. Now while the solar

and battery doesn't pay you physically like money. It's all about that money that it saves. So wherever you divert that and what you do with it just means that plus or minus 20% you get from the

solar battery is going to turn into 25 30 40% based on what you do with those savings. So yeah and if you're out of pocket 50 bucks a month 60 bucks a month the

difference between what you were paying in solar versus a new loan repayment you're going to have this thing paid off very fast after year five or six you're starting to become now fully cash flowed

back the other way. Yeah. So it's it's really just about having that discussion, you know, understanding what your goals are and how you're going to make it

work. But yeah, treat it as an investment. Yeah. And the way I see it and when it's done right, if it's done right, it can actually change the family's life.

Correct. It can it can change it for the worse. Unfortunately, when it's done wrong. Um but if when it's all done right, it changes it for the better.

Yeah. What one thing I was thinking of just before was, you know, like you obviously talked about how like the proper structure of financing for the solar can

uh, you know, get your money back quicker on it, but also like it was in relation to sort of like our systems that we've been putting on. We did a podcast just recently where we talked

about like the cycles of the system, right? like, you know, we're all curious about how long does it last, you know, how long do the panels last? So, for a customer to be able to get that

information, you know, so most of the batteries, they they come with a 10-year warranty, but then it's like they're saying 6,000 cycles. So, then it's like, all right,

well, how long how how many years could we get out of 6,000 cycles, which I think it was it was like 16 minimum. Could be more. 16 years, right? So over 16 years to be

able to show customers like the data of how long a battery is actually going to work the batteries actually last like a properly structured system you know

compared with like obviously the finance knowledge that you guys have can also give them it's like you know a double whammy in the sense of payback period is like one of the things

that people look at when they're buying solar and battery today because the last 15 20 years of solar ly the solar companies educated people that if it's not a 20% return well it's a waste of

money which it it has truth to it. It's not a waste of money though cuz 10% 15% return still better than they get anywhere else. Yeah. Okay. But that's become the standard is that

20%. Uh so people look at that payback period of being 5 years and they think if it's anything longer than that it's a waste of time which it's not

but each to their own that's what people think. And with the structuring you're talking about and what you're talking about the life of the products and everything like that.

Yeah. It ties back to that payback period and there's ways that people can get that payback period even shorter. Correct.

Yeah. And just coming back to products, right? Like with home loan products, the ability to make extra repayments on stuff. You make extra payments on a

personal loan. The person loan repayment doesn't change. You just pay it off faster, right? Whereas the home loan side, we can recycle money because it's coming back

into our account. So if we want to be able to manipulate the numbers from a cost to cost daytoday life, we can. So and even if we do have it fully offset or the equivalent of the money

put back into offset over the next 5 years, that's future to be used for something else. Yeah. Right. Like it's we're essentially

recycling our own money back. Yeah. Yeah. I was on to something. I was you know what's going on. Sure.

I think that's been awesome. Um, I mean, I thought I had a good understanding of it already, but you've opened up my eyes even further. You've obviously got some more out of it than than you

had before. Yeah. And look, I actually think the viewers are going to get a lot of value out of that. And

it's it just proves it just makes sense, you know, even more sense than it made before. So, yeah.

Um, look, there you have it. Like, to me, the numbers make sense. Um, is it the right thing for you as a homeowner to use your offset or your mortgage uh to buy solar and battery? That's not for

me to decide, but that's something that you should obviously look into. And as Zach mentioned, there's some times where it might be better to use the standard green loan. Other times where it could

be beneficial to go down the mortgage path. Yeah, just like the solar and battery system itself, it should be designed for your usage, your home, and your future um

considerations. The way you purchase it should also go down that same path. So, if you're looking to go solar and battery, you know where we are. Reach out, give us a call. If you're wanting

to go down that mortgage path or offset path and study that, look into that, reach out as well, and we'll point you in Zach's direction. It just comes back down to numbers.

Like really as investments, take the emotion out of it. Look at the numbers and that will dictate the path you go. Awesome. Cool.

Well, as I said, I got a lot out of that. Thanks for coming in, Zach, and glad you did. Thank you.