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@agear69 My pleasure. Good stuff!

@agear69 Speaking as very much an advocate of "why would you ever pay nearly that much for a car" and "spend what you can afford" brigade - I think you are fine. Unless you are missing something out like "oh yeah I make 3% pension contributions, that's plenty right?" it sounds like you can...

@kevinsamsonn Hey - you already got good advice about how to change this I just want to add good on you for starting investing relatively early, £200 a month if you start and keep that up will stand you in really good sted.