diff --git a/lib/src/lightwallet.rs b/lib/src/lightwallet.rs
index fc0bd96..e46417d 100644
--- a/lib/src/lightwallet.rs
+++ b/lib/src/lightwallet.rs
@@ -1572,7 +1572,7 @@ impl LightWallet {
         if selected_value < u64::from(target_value) {
             let e = format!(
                 "Insufficient verified funds (have {}, need {:?}). NOTE: funds need {} confirmations before they can be spent.",
-                selected_value, target_value, self.config.anchor_offset 
+                selected_value, target_value, self.config.anchor_offset -2
             );
             error!("{}", e);
             return Err(e);