What to do: have 6 figures in the bank. Buy shiity flat, buy expensive flat or just continue to enjoy number going up. No kids. No hope. Im leaning towards shitty flat because i’d pay it off quickly but if all goes to hell then does it matter?
Genuine question. Current living situation is irritating but cheap.
It looks like you’re doing a great job at protecting yourself against a horrible life, but it looks like you haven’t planned out creating a good life.
I’d save your money and have it grow, but I’d start looking into low/no cost hobbies or something to add some joy in your life.