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>> you end up spending a lot more as well

How come? Is it a case of "Keeping up with the Joneses"?

Your office is in the more expensive parts of the town. You work long hours and want a shorter commute, this will leave you with spending a lot of money on accomodation.

And when the team goes out for beers, if you want to be a part of the team, you go out with them. And if you're not part of the team, you won't be progressing fast and getting a better salary.

And you soon realise that the clothes you wear make a difference to your career. You buy proper suits, proper shirts, proper shoes, and so on.

And after working your ass off like that all the time, you need a proper break every once in a while. So you take proper holidays in places far away from work. Those cost money too.

I used to entertain the idea of trying my luck in the finance industry for my next job.

Thanks to this comment, not any more.

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