My Net Worth at 29 | Renting in London | 2024 Net Worth Update
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- เผยแพร่เมื่อ 5 ก.พ. 2025
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goat
Really nice to see a more realistic, down to earth video like this, compared to everybody else on TH-cam who apparently has millions by the age of 30.
I am 28 and I have about the same as you. We are young, and 30.000 is a pretty good amount. We still have decades ahead of us, and I feel like we are off to a good start!
The people you tend to see posting their net worth are usually bragging! I'm hoping I can brag at some point, but we're still at the early stages. Good luck to you!
I'm 38 and my net worth is 37 dollars. You have done far better than most. Congrats!
It’s not a competition!
Your young, you have your whole life ahead of you, I know a lot of people who would love to be that well off. Keep going and continue what you are doing. I have learned quite a lot recently and changed a few things and I can see the improvements in my financial habits, it’s paying off now, I’m just about 25 years older than you. You’re in a lot better place than lots.
Thanks for the kind words. There’s still a long way to go! Good luck.
Buy XRP, it’s going to 8x minimum between now and q4 2025. Price target of $20. Watch the crypto sniper and stop being a normie. Merry Christmas.
*you’re
@Dorian-pn5rc Lols
@@jackwilliamburgess I’m 400% up in 5 months, lols. Stick to bugman finance and maybe you’ll be able to afford a maisonette when you’re 74
Well done mate, you're on your way to that 100k. Next stop 50k!! Once you hit 1hunnin it becomes easier 🙌🏾😤
Yes sir! Thank you!
Great Networth for someone who started in 2021.
I would state only for security reasons, instead of revealing the banks names, blank the name and say 'Bank 1', 'Bank 2', etc.
I advise this to cover your back incase of fraud. You will be asked had you ever shared your bank details pubically, to which, this may fall under that category. Better to be safe than sorry. Good luck with your growth 👍🏽
That’s a good point. Hadn’t thought of that. Thanks
Well done mate, you started investing much earlier than me. I wish there was more info and people like yourself 10 years ago. People in their early 20s will hopefully see this and it will help with their mindset. This wasn't a waste of time at all.
Thank you! This is why I do it.
if you keep going you are going to be in a really great position when you're older. You've cracked the code so early in life which is an awesome thing. Keep going!!
Thanks, I hope so!
Uncanny how similar we are - just stumbled across your channel, I'm 31 and have a spreadsheet so similar for my net worth and update it etc, I thought I was alone doing that sort of thing! Haha.
Haha that’s very cool to hear! Keep it up, hope it’s going well for you!
Nice! Love to see the transparency, I'm in a similar net worth but the best thing to do is just only compare yourself to the last year
Glad to hear it. Yes, I hate comparing myself to others!
I also rent in London and my charts look very similar to yours (I’m just a few years younger so slightly less on the investment front). You’re doing a great job!
Nice! Keep it up.
Nice one George! Since mid 2022 that NW graph is just up and to the right - long may it continue. I think you summed it up perfectly when you said it's about building habits
Thanks Chaz. Good money habits are the start of it all!
Great video, great mentality, great trajectory... and most importantly: great name! regarding net worth, you're well above the median according the most statistical databases.
Thank you, fellow George!
Good video. We are the same age. It’s hard knowing if you’re doing well or not in life. People either down play or exaggerate. So getting an insight into someone of similar age is really useful :)
Absolutely, take a look through the comments and you’ll see big variations in opinions.
i think your doing great most people live paycheck to paycheck or have a few thousand at best i recently just reached 6 figures at 30 and it feels great just opening up all your options to travel buy a house or not work any overtime.
Damn that’s good to hear! Keep up the grind.
Exactly why my goal is 100k by 30. It's for the options it gives you. Want to buy a house? Use a chunk on the deposit. Want to travel? Can afford to. Want a career break to learn new skills? You're covered. Need a one-off medical procedure? Can likely afford it privately. The list is endless.
Great video! You've got a very calm style which I really like. A suggestion - I have no idea if you're employed but presumably there is a pension balance you could start including as well? I think people would be interested and it will get more and more relevant as the years pass etc.
Thank you! Yes I do have a work place pension, something I missed in this video, will be in the next update!
You're doing just fine, I was in the military at your age (subsidised housing) but only had a £3K savings pot at that point in 2004. Keep going, you're doing great.
Thanks!
Nice one mate! Keep going, discipline, consistency, compounding and keeping it simple is all one needs to increase net worth. Stay hungry and humble.
I’m 11 years older than you, came to the UK in 2009 with dreams and few hundred pounds in my pocket with my gf. We now have a net worth of circa 2mill that includes 8 properties and ISAs, work Pensions, SIPP, LISA, Crypto, Emergency funds, Savings, etc.
Good luck with your investment journey!!
Wow! Amazing to hear, very nice to hear someone else's success!
It takes a lot of balls to openly present your personal net worth out onto the world.
My balls coming soon to OnlyFans.
i was somewhere around the same when i was your age maybe a bit more but not to far off. im 33 now and i was able to multiply it by many you're on the right path.
Thank you, good luck to you!
Love the transparency mate. Need more brits to be open about their finances.
Thanks! That’s very true!
Awesome video! Very happy to see real people rather than people trying to flex on the internet.
I appreciate that! Comments like this are the reason I do this.
Great to see a very realistic video on net worth and some great ideas on how to track it, thanks a lot! Nice one!
Glad you enjoyed it!
That's solid progress and a good amount of net worth. Well done.
Thank you!
We are at about a similar net worth and investment scale, you have 3 years on me age wise 😊 keep smashing it mate! And yeah never pay the student loan, may aswell just burn money rather than keep it growing!
Good to hear and thank you!
Awesome vid and great to see ur progression over the last couple years! I think i may start using this excel tracker so thank you for this! I may even do a video on it! :)
Thank you! Hold off on the download for the time being, the balance sheet and expenses tracker are not online yet.
@@Exceldividends ahh no problem mate, do you know when these will be fixed?
@TheGeordiePig maybe by the end of the year, currently away from my pc to be able to make the changes.
Your in a pretty good spot really, enough to buy a property outside of london. Which is great by age 30, on track for sure
Thank you. Not sure I’ll be buying anytime soon, but sometime in the future for sure.
My goal is £100k liquid (savings + stocks) by 30. I believe that brings another level of peace of mind and freedom. I never liked the idea of committing to a mortgage the second you can put a deposit together like many in the UK do.
That's a good goal to have. I agree with you on the house deposit point, can put people in bad financial situations for life with an expensive mortgage too early.
Also agree regarding that mortgage mentality. IMO it stems from a lack of financial understanding, following others with loud voices, and the UK's underlying obsession with property.
As a suggestion consider starting a SIPP you get 20% back from goivernment as a young investor this will really compound for you over the years
Thanks for the advice, something I’m going to be looking into… maybe an upcoming video.
@@Exceldividends consider a LISA as the government gives you a bonus of 25% up o a maximum of 1000 pounds for every 4000 pounds you contribute each financial year
I've had a sipp around 20 years (before they were called SIPPs) they automatically give 20% tax relief and if you're higher rate tax payer you can claim another 20% by writing to the HMRC (they adjust your tax code). You can backdate claims about 4 years unless they changed the rules. You wont be able to access the money until at least 57/58, but in a way that is a good thing - forced savings.
Good video. Clear, to the point and very "unclickbaity". Keep it up 💪
Thanks!
Great video, you're doing fab. Only advice I'd give is don't stay in London unless you're on a fantastic salary or will be reasonably soon. Buying a house rocket fuels your financial position. Easier said than done but almost impossible in London. About 5 years ago, my investments were double my house deposit, now the equity in the house has just surpassed the other investments. I hate how ridiculous the whole housing bubble has got now but I can't see it getting much better.
I moved to London this year to get paid more, and so far my career has kind of taken off. So I’m hoping to stay for a few more years and then relocate :) thanks for the advice!
Awesome video and well done! I'm also starting to post about our net worth journey and love the transparency you provide!
Awesome! Good luck on your journey :)
Love the transparency! Commenting to help you get the exposure you deserve
Thank you!
Thats some amazing progress in just a few years - 100% should be proud. This is what financial independence is all about.
Only question, does this include your pension? Don't think I heard you mention a sipp
Thank you! I do have a workplace pension which is sitting at around £10k all together. But the investing is also my retirement plan.
@@Exceldividends keep the work pension separate from these savings. You are doing so well keep up the great work at some point you may consider purchasing a place of your own and this is when these monies will prove to be very handy.
Nice work. Keep your head to the grindstone.
That's the plan!
To give you a comparison, when I was 29 (2007) I bought my first flat with a deposit of around £5k. In terms of savings I think I had around £6k in cash but generally not saving a great deal from month to month. Lost a few grand during the GFC and then made a concerted effort to invest in funds from 2009 after I got promoted. Networth including property is now £385k plus a company pension scheme I do not count (worth around £400k). It's a long grind, with sacrificies but it can be done.
That’s some good inspiration right there! Deposit for a flat being 5k hurts 🥲 good luck for the future!
@Exceldividends it was a shared ownership flat initially which I was able to buy the remaining share in around 2013. Shared ownership can be useful but I'd be careful about what you buy. Only go for small apartment blocks, no cladding and no lifts. Check how the service charge and rent (on un owned share) escalates with inflation.
nice dude, keep investing. Greetings from Germany
Wow Germany! Thanks for tuning in!
I support this kind of video, i think the world is better if more people are open about their personal finance.
Feedback:
It doesnt matter much at this stage but i would look into rebalancing portfolio regularly according to target percentages so you're always buying low and selling high (within reason and taking note of capital gains tax allowance etc)
For example a popular crypto target percentage is 5-10% due to the volatility and so every month or year you check whether it's off the target by more than 5% and buy or sell accordingly.
Thank you for the advice!
Good video. Thank you for sharing! Awesome progress.
Why didn't you include your work pensions and liquid physical assets?
I'm 27 and also rent in London, but I decided to pay off my UK student loan at the start of this year (2024) because the interest rate was insane (7.8%). I had to liquidate most of my assets to pay off the 45k balance, but I feel like it was worth it in my case.
I'll reach 100K net worth next month. Would have been 145k had I not payed off my student loan.
Thank you! I missed out my pension in the video, but it was mentioned at the end of the video. What do you mean by liquid physical assets?
Good luck to you!
@@Exceldividends Sorry, wasn't super clear. I just meant things that are high value physical assets and are easy to sell, such as expensive watches, collectible items, electronic equipment, vehicles, etc. These are often overlooked but can quickly add up to a few thousand-though depreciation should, of course, be taken into account.
I get why you didn't include that though, but for some people I know that can account for a significant portion of their net-worth.
Great video and appreciate the transparency
Thanks!
Well done on what you’ve achieved in savings at 29. Maybe you should focus your efforts on your career for the next 5 to 10 years and get your earnings up to a point where you can start to put a greater portion of your gross income into your tax efficient pension scheme and possibly into property at some point although I realise the difficulty with the latter.
Thank you. My pension was not mentioned in this video, but I could definitely afford to put more into my pension pre tax for sure.
Also 29 and we pretty much have the exact same networth. You're actually beating me by around £500 lol. Lets get to 100k soon
Good to hear it! Let’s get it.
Well done and really good video. Very good position to be in at that age!
Thank you!
Thanks for the breakdown. Personally I would suggest to combine a few accounts together like the ISA's, to just simplify things :) For your crypto holdings, all monetary assets are worth what they are worth relative to other assets in £ terms. If you have £3k in crypto, that's a real £3k (just because it started as play money, doesn't mean it doesn't have real value currently). This is 10% of your overall net worth. If that sounds too risky for you, you should reallocate. If that is reasonable for you, keep it, but don't exclude it from your net worth total. Money is money (as long as you can you sell something at a current price)
Do you have any goals with your finances? Building savings without a goal is fine but isn't the best route, as you don't know how much you should save to hit X target in Y time, you may have less motivation and discipline around spending potentially and you could be over-allocated to cash in a savings account vs index funds which would do better over a longer term.
Thanks for the advice!
Interesting, 100% on the premium bonds even at full holding and won over the advertised rate I’m probably going to just move it out next month.
You had some good luck, but for anyone with less than around 10k its almost pointless!
@@Exceldividends 100%, maxed everything out bar the pension cap because of need to access before 57. Probably just going to stick it into my GIA or something and just pay the tax.
Good effort. Keep going. You’re doing well.
Thank you!
Honestly I would pay the student loans if I were you. Thats a garateed return, and it also gives you better cashflow and peace of mind for the future
I would need to calculate the return, currently paying it off is worse than being in the stock market. In terms of peace of mind, I don’t think about my student loan and I don’t think many UK student loan holders do. Something I have thought about, but I’d rather have enough money to pay it all off in one go. Do you have student loan? And if you do, do you pay off yours? Maybe there’s a good way to approach it.
I wouldn’t, it’s such an insignificant monthly debt. Think about how much profit you’ll miss out on if you pay off student loans in a lump sum, with money that could’ve been invested
Idk about that. If for whatever reason you needed to stop working, you wouldn't need to keep paying the loan. But you would sure feel silly for voluntarily paying it when you could do with the extra cash if you lost your job, for example.
At your age I assume you have the kind of student loan that is actively designed to behave like a tax rather than a loan for the vast majority.
For what it's worth I think you're right to leave it be. I paid mine off around 2 years ago (graduated 2012) and it's a pretty noticeable monthly difference not getting it taken off my salary, but that was on the more gentle Plan 2 terms where you could still pay it off without huge earnings (I think I averaged about 40k in those 10 years and my average interest rate was about 1%)
DO NOT PAY IT OFF
this is very interesting thank you for sharing, very realistic take on things
Glad you enjoyed it!
All your scattered accounts seem a complete mess. You need to consolidate into a single current account, a S&S ISA, a GIA and a SIPP. Forget the rest.
You’re a better person than me to keep it to that many.
At 3:50 you me mentioned that you withdrew from the moneybox LISA. Im thinking of doing this. Was the process easy to do this? Not looking forward for the hit I'd have to take though.
I would encourage you to keep putting money into the LISA, it's 25% return instantly. I made the decision to pull the money out, but looking back I can see it was a mistake. But, the process is really easy, just press the withdraw button and they tell you how much they can give you. I think it only took a few days to be transferred out.
Could you share the spreadsheets template via a google docs link. Would be really helpful
I will work on this!
well done, you're doing great!
Thank you!
Well done and thanks fir the video
No problem 👍 thanks for watching!
Did you include private pensions from various jobs youve had?
That is one thing I forgot to mention, it comes to around 10k.
the free spreadsheet doesnt have the balance sheet or expenses tab
I mentioned that in the video, it’s not something I give out as I’ve never done this kind of video before.
@ can you not add these two tabs to the spreadsheet?
@ I could yes, but I haven’t done so yet. One for the future, I didn’t realise there would be such demand for it!
Brilliant video , you’ve got your head screwed on 🙏
Thank you!
You are doing well for a 29 year old, I was less well off at your age. I note from the info you provide that you have no pension. Pensions can be great places to save because you get an uplift from the Tax man & sometimes an employer match. I focussed on pensions later in life & I think I made a mistake. I wish I had started saving hard into pensions sooner & I would have more now if I had. I'm 52 BTW. The uplift from the tax man is valuable because you can if you want to draw the money out in retirement without paying any tax on it.
Thank you for the comment. I do have a pension, it was just mentioned at the end of the video, missed off from the main part. Thanks.
Hi, quick question..Why have you stop using free trade?
Hi, its too expensive and trading 212 is a better platform.
Interesting video - thanks .I would move some of the Ethereum into Bitcoin which has performed better...
Thanks for the advice, I considered that after watching bitcoin rocket up this year!
Great work man, keep it up!
Appreciate it!
Student debt in the uk could change at any point with a new government. People have no idea what will come in the future and they could get massively screwed.
Could get written off entirely.
@@Exceldividendsthat's true. Unfortunately though student debt massively increases inflation and screws over future generations if it's not paid off.
Net worth is total assets minus total liabilities - which includes student debt. I know they write it off after a certain time, but think how much you will spend paying it up until it’s written off, then deduct that from your assets.
Why not think of it as an extra tax like NI or PAYE? Then it's just something else that comes out of my gross pay. I get your point, but if I don't ever have to pay it off, why does it matter.
Was going to say the same. You've added up your assets and not subtracted the liabilities. If it gets written off great, but that won't happen for 30-40 years and the interest will sky rocket.
Nice work lad and great video, I like your style . Keep it up
Legend!
More context would be good - what’s your situation - job / housing / dependents etc.
No problem, maybe I will do another video and answer these questions :)
Paper/electronic money devalues, buy assets.
I’m trying!
Well done real life well done.. doing so much more than other people when you have so much less
Thank you!
The student debts are a tax on your salary. Unless you are on a high salary you won't pay it off before it is written off. If you want to reduce your student debt monthly contributions, pay more into your pension.
That's a good idea, I hadn't thought of that. Definitely going to look at doing that, thanks!
Love this, keep it going!
Thank you! Will do!
Why did you stop using a LISA?
I was under the impression that I could not invest into a s&s ISA at the same time, but apparently I was wrong. I may be considering starting investing into a s&s LISA.
@Exceldividends you were wrong and yeah, definitely consider it
It amazes me that most investing channels like yourself dont have a proper 6 month emergency fund 😱😱😱 although your savings are better than some ive seen
Why would I need an emergency fund? I’m a healthy young person with good job prospects and no dependents. Also I have 6k in savings, is that not enough?
@@ExceldividendsI think COVID should have been all the proof you need for why 1-3 months isn't enough. It's unlikely, but when shit hits the fan, normally multiple things go wrong at once and it can go downhill further than you expect.
I would say 6 months of all your essential expenses+ £1000 should be a minimum unless you're living at home with parents or something like that. You can also get decent rates like 6 or 7% with the correct accounts too, so even though it's not invested, you aren't losing too much.
It's good that you have lowered your risk by selling your car though. That was very sensible.
What sort of job and salary do you earn and is it remote in london?
Not enough! It's hybrid. I will make a video in the future going into more depth on this.
Which platform do you use for crypto? Is Etoro any good for crypto?
I use Binance. I would not recommend etoro.
I had around the same at your age, its a hard slog but with 30k you have some freedom already. Best asset is youth/health, 2nd best BTC, 3rd house. Thats my opinion.
Thanks! I hope that it’s good stepping stone to wealth.
i am 21 year old college student my net worth is 12 dollars I purchase my first stock week ago.
college students shouldnt be expected to have a net worth, you need income first.
So they don’t garnish ur wages in the U.K. If u don’t pay ur student debt? It doesn’t affect ur credit?
It's like a student tax, but has no affect on credit score, paying a small % of your future wages for 30 years to (theoretically) earn more than your peers, I understand this does not make sense for most degrees nowadays.
Your on the right path keep going.Personally i would invest more into Crypto but i think you are doing alright.
Thanks I appreciate it!
I didn't see any mention of a pension? If your not paying into a pension at 29, you should really consider it and it's also part of your net worth. Also I don't agree with not including your student debt since it's potentially 9% of your out goings each month.
My pension was mentioned at the end of the video.
Did you incl your workplace pension ?
No! I forgot! It will be included in my next update. Stay tuned :)
@@Exceldividends haha , so your worth a lot more !
I enjoyed watching your video. It is an inspiration for me to continue investing. My goal is £60K by December 2025
Best of luck!
What do you do for work?
Send emails and look at spreadsheets
@Exceldividends You get paid well in that case lol
I’d swap the eth into sol it will far out perform, also I’d add some TSLA to ur portfolio if you don’t have any id recommend at least 10%
Thanks for the suggestion, but I am not convinced on TSLA, especially at 10% of my portfolio.
@ with humanoid robots around the corner I think to not have some TSLA is a mistake but we’ll see in the years to come
No pension?
I have pension, was missed in the video although mentioned right at the end. Will make an update to include in the future.
@@Exceldividendsyes I just saw it at the end there!
Dont see why youd waste the lisa and help to buy by not using them when you get 25% for free. Its a no brainer if you dont have a house.
Because the information is not all that helpful in terms of whether you can put money into those types of ISA as well as putting into a cash ISA. It is clear now you can put money into different ISA types but prior to April 2024 I thought that you couldn’t do that.
@@Exceldividendsfair enough! I never had a Lisa as I didn't even know they existed until 2023 about 5 months before I bought my house, so now I encourage everyone to max them out if they ever want to own a house as I missed that great opportunity myself. 👍
I'm 37. I spent all my time saving and tracking. My net worth is pretty high for my age when you include pensions.
I realise now I spent too much time tracking. Too much time recording numbers. Too much time sweating over tiny details.
I'm a capable guy who didn't optimise how he spends his time. I should've worked harder at work. Studied more. Jumped around from position to position. Been brave enough to be a contractor. Put more energy into side hustles.
I'm a 37 year old diligent saver who knows which cash ISA to put his £1000 a month into. I'd prefer to be a 37 year old entrepreneur with a few million quid.
By all means spend time identifying the safe plays. But make sure you as a person aren't 100% safe plays. Filling on your spreadsheet is comfortable. Cowardly. Lazy. Roll the dice every now and then. Don't just sit there maximising what you've got. Make demands of yourself and aspire for more.
Damn.
Any pension?
Yes, will show in next update, missed off this as I forgot.
Your pension is missing. Please redo the video. That's a good net worth. Keep going!
Thanks. I may do this kind of video regularly.
I'm an old 50year old man, please forgive my ignorance. In order to find out your actual net worth the calculation is
Assets - Liabilities.
Any debt is a liability including student loans 🤷♂️
If your debt exceeds your net assets your net value is less than zero.
No point lying to yourself surely one day you will have to pay back these loans or am I misinformed ?
Yes that makes sense, but student loans don’t have to be paid back, they are written off in 30 years in the UK. Most people don’t consider this actual debt and therefore I have not included it. I may go more in depth in my next net worth video.
@@Exceldividends ah ok I didn't know that student loans were written off after 30 years. 😂
The student loans are taken out of your paycheck at a certain rate depending on how much you get paid. So if you're on a lower wage you might not pay it off.
@@Exceldividendsstudents loans are a non issues for most. I don’t even know or care what mine is lol
I don't see any pensions.
It was mentioned at the end of the video.
@@Exceldividends Ok, l see now.
Pension contributions should also be part of your net worth.
My pension was mentioned at the end of the video.
@Exceldividends Just had a quick look at the end of the video couldn't see it nor was it on the spreadsheet. I must not be on form today 😂
Excellent video, I really want to get something like this sorted.
Given me the kick I needed for it.
Glad the video could help!
Do you not have a pension?
Yes, made a note of it at the end of the video, not something I track regularly and forgot about in this video.
HTB's are wack. Can only put in a max of £200 per month and the max bonus is 3k. Better off using a LISA if you want to buy a house. Or you can just use it for retirement.
That's the exact reason I stopped using mine!
If you’re ever going to look at buying a property or if you just simply want to save for retirement I would highly recommend you put money back into you LISA. Ideally stocks and shares LISA unless you want to buy a property in the next couple years.
Max for LISA is 4K a year and comes off my ISA limit, pointless to me tbh. But thanks for the suggestion.
@Exceldividends well the point is you get 25% bonus on anything you put in which is brilliant if you’re saving for buying a house or simply just for retirement. And because you took your money out you lost that bonus and essentially got a 6.75% fee taken from what you put in. If you max it out every year that’s an extra £1k a year to your net worth you get free from the government
@@albertwarren6917 Something I might consider, the main reason I was not using it was due to the previous ISA rules where I would only be able to use the LISA and not a stocks and shares ISA also.
@Exceldividends That was actually a common misunderstanding of the ISA rules. You’ve always been able to pay into a LISA and a Stocks and Shares ISA at the same time, it’s just if you decided to pay into one LISA you couldn’t pay into another LISA in the same tax year. And same with the stocks and shares ISA, if you decided to pay into one stocks and shares ISA you couldn’t pay into another stocks and shares ISA in the same tax year. The new 2024 rules just basically mean you can pay into multiple LISA’s or multiple Stocks and Shares ISA’s etc in the same tax year. Of course making sure that your total contributions across all your ISA’s doesn’t exceed £20k a year.
awesome!
Thanks!
Pension?
Yes
I sold my bitcoin 10 years too early. Missed out on 100M dollar. Difficult to process this shit.
Don’t stress about things that could’ve happened.
if u had bet it all for liverpool to score 6 this weekend u wud be millionaire
Over 8 goals would have been good…
Where is your pension why not take the free money? At 57 my total is the majority of my net worth?
Pension was mentioned at the end, will include in next video. Thanks.
Why spread your money over so many accounts? I'd suggest simplifying, just have: 2 bank accounts (in case one gets frozen), 1 brokerage account, 1 BTC hardware wallet, done.
Thanks for the suggestion
Annoyingly you have more money than me but I have a car if you factor in my car I have more money than you not so clever now are you?
Haha! Good for you! Also, the car can give you more social mobility, so you could be worth way more than me!