There goes another 15% of your net income on train tickets. Eating out every time (because have no time for proper value shopping) and you are basically working in exchange of food, housing, and commute.
I just checked how much I pay for travel. My monthly travel expenses is £150 total. That's like between 2% to 3% of someone's net income (depends on how much net income you make).
Do you know it is impossible to 15% of your net income in travel because there is a weekly fare cap: https://tfl.gov.uk/fares/find-fares/capping
Worst case scenario, you are traveling too much every week to max out the fare cap across all travel zones. Your monthly total would be £244. That's like 3% to 6% of your net income. But this is the worst case scenario. If you are spending 6% of your net income on travel, maybe you should reconsider which zone you live in.
So seriously where are you pulling out this ridiculous 15% number from?
But yeah you’re right dude, we live in a society. We work to support ourselves. What a shocking surprise.
and it certainly isn't now that I'm quite a bit older, and I earn a multiple of what I did then