never once said i didnt believe you, only that a fuller picture would help everyone here

yep so no idea how you have paid only 18k tax on 100k lol

so your telling me at 22 you started straight on 100k and did not budge past that even now? yes with growth and returns the numbers are very realistic but making six figures at 22 and saving half of that is not

I think living in a crammed house in London, in half a room just to save an extra 10% of your paycheck on 100k is just not the kind of lifestyle I aim to live

london travel is very cheap, you can get to most places in z1-2 for c. £120 a month and bikes are not that convenient to save such little money