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Well done chap! Impressive! How on earth you’ve achieved that though is beyond me. Remarkable! New you is as smart as old you is dumb for getting into that situation in the first place. Could easily have been me or anyone else at what I’m assuming was a young/naive age. Well done. 👍🏻

I’m very sensible with my money. Worked my balls off to settle my student loan by 25 and maximise the amount I could borrow on my mortgage, which is huge admittedly but means I live in a lovely house that ultimately if not presently will appreciate more than anywhere smaller. (The size of my...