You start spending serious money on bicycles, fat fast German estates and slow noisy British ones, IME.
If cars is what you seek there is little point paying off the mortgage when interest rates are so low. A reasonable used RS6 is about £30 a month. Or a nice new McLaren under £200.
Oh, I never claimed it was a sensible decision. It's just what I did. The two are rarely in overlapping circles on the Venn Diagram of Life.
@Hefty started
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You start spending serious money on bicycles, fat fast German estates and slow noisy British ones, IME.