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  • 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.

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