I was 100% convinced my colleague started dealing drugs when he pulled up to our office in a £30k BMW. We both work as engineers at the same firm, stuck on a £39,000 salary before tax. Sounds decent on paper, right? But after HMRC takes their massive bite, student loans kick in, and you drop £1,200 on rent plus £230 for Council Tax... you’re literally left with fuck all. Every Friday down the local pub, we’d sit over a pint and complain about how expensive just existing in the UK has become. And then out of nowhere, this guy rocks up in a £30k+ motor. We were sitting in his car outside the office, waiting for the rain to stop, and I just couldn't hold it in: — "Right, spill it mate. What's the catch? Did you take out a dodgy loan or get scammed into crypto?" He just laughed, pulled out his phone, and said: — "Mate, think about it. Do you know how much money people throw down the drain on the National Lottery? Over £8 billion a year! The average punter wastes over £400 annually for a 1 in 139 million chance. Only 53p of every quid ever comes back as prizes. It’s absolute daylight robbery. And High Street banks? They give us a pathetic 3% while inflation eats the rest." — "So what’s your big move then?" I asked, properly sceptical. — "I just stopped playing their game. I made a rule to set aside £20 a
