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It could also be that they prioritize their car and have a budget adjusted for it.

the only Lambo owner I ever met had saved since he was 14 and had nothing else but his car...

Jesus christ, even a 16yo Lambo is $100,000 (which is an unthinkable amount of money for a British person on average salary).

For context my mums 2 bed house in Coventry was not much more than that, and she's still paying off that mortgage.

I guess a decade of sofa surfing would just about cover that!