Kaylz - we all have to 'cut our cloth according to our means' - whether it's me spending over £100 on a pair of gorgeous Bruno Magli summer shoes - cos I wanted them, they fitted me like gloves and I could afford them or stepdaughter with 4 kids who did our shopping in lockdown, so we paid for her shopping too - and I'm sorry you don't have parents who can help you out more with such things. It isn't 'luck' that we've currently got more than enough cash for our own needs - we've both worked, hard, all our lives, to amass it. When we both got together in 1998, we were both in debt. So - we enjoy it - and we're both still directors of a limited company and trustees of a local charity - so in that way though both of these we willingly volunteered to undertake - we both still 'work' to some extent.