The Vault with Financielle - “I Panicked And Bought A House” | The Vault Episode 75

Episode Date: July 30, 2025

Send us a text“Being financially dependent on ANYONE is risky” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”I went into panic mode and purchased a new house”💸 ”I Can’t Afford a Car Without Finance — What Should I Do?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [e-mail] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Connect with our Partners🐝 Consolidate your pensions with PensionBee (capital at risk)🫶 Protect yourself and loved ones with our friends at Lifesearch✍ Write a will that is tailored to you with Octopus Legacy🏡 Meet our Financielle approved Mortgage Brokers💸 Commission-free investing* with Trading 212 (capital at risk)🛒 Cashback on your shopping with Jam Doughnut (use code FINC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

Welcome to The Vault with financial health. This is a safe space where we talk all things life and money and no topics are off limits. Hi. Hello. Good morning. How you all feel? I'm going to say how you're feeling because I'm feeling so from the gym. I think I overdid it.

What were you doing? I was doing weights and I was, went like eyes bigger than belly, but like for weights. Well, I don't always record like because when I'm doing strength, so I don't write down what I'm doing. and I should I should track because I then forget and so I based on feel although it is funny like if you're a bit under the weather or you've not eaten enough

you really really sense it but yeah I've just overdone it what are you working out at the moment I just love strength training for like the last I feel like for the whole of this start of this year I've just been doing strength training slow steady yeah Pilates

strength training walking yeah that's about it because you were running for a bit Yeah, I don't think it's good for me. Running is not good for me. Yeah, it kind of, like, my body rejects it. Yeah, mine does. It makes me like swollen. I feel poorly after. I actually feel poorly after I go for one. I do other thing. I'm running my sessions, but the short, short, short burst. I can do a 5k is my happy place. I'll happily do a 5k and I'm good. You get your run as high after a 5, not anything more. Yeah, I don't need like the socks. Although Laura and I did a, the Manchester 5K like months ago now. and a girl had like was proper visor running socks like all the gear and I was like my only mission of this whole race is to beat her that's over the top there's no need for that and she's got one on her five yeah like we don't need her oh yeah she had run it socks

she tripped her up that's why she beats her I was like Neil you can see they said how do you get on and messaged him and it's like you can watch it um on live streams I wonder if you can find me I got in about this time and doing you think you're going to have this like Like, when you see the Iron Man, people that have done Iron Man and they're like, yeah, Laura's picture when she did Iron Man, he's iconic, so good. I'm literally, I'm close to dead. I don't know, 5K. Like, these people around me had done half marathons and 10Ks.

And I was literally like, oh yes, manchester. If you can't see me on the audio, you know, watching YouTube, I'm pulling a face like the goonies, like the guy with the one eye. It's just really painful, not enjoyable. There's no rules. No, there's no rules. You do your own thing. We do. Lydia, what's your, because you, you like changing fitness things and trying new things.

What are you into at the moment? I'm going to my lifting class on a weekend. Nice. Got yoga on Mondays. It was actually really intense. It was like, it's in new studios like overtaking it. It's like taken over. Yeah.

And they made it hot yoga And it is hot You were like, I liked the warm You were like, I liked the warm I was a bit more puzzling I literally like my hair was like Royset Yeah

Tumidity I got home and Tim was like I genuinely think if I blew on you He'd blow away like a dandelion Honestly Hot yoga scares me The idea of it I wouldn't do it

I was suddenly so weak Like what I can normally do I was like Yeah. Just falling over. It's like extra challenging, isn't it? But at least if you went to normal yoga now, you'd be like, who? Like, yeah, I can fly through this routine.

Ooh, compared to battling with the heat. Heavy. No. Got to keep it up. We're good. We're all good. We're very active, all of us. I think getting more steps into my goal for the next couple of weeks.

I've stopped with the lunchtime walks. I say I'm going to do a walk. If I say to you on Slack, I'm going for a walk, I'm not going for a walk. She's lying. She's looking about it. And then I'm back two minutes later. So my goal is to fresh air. Fresh air.

Sunlight. sunlight movement. Like a plant. Are we recorded? Yes. Oh. Sorry, it's just chat. It sounds like normal chat to me.

Okay, time for today's controversial opinion. Being financially dependent on anyone is risky. So, a bit of backstory. Laura and I setting up financial, we did have to be financially reliant on our partners. I did on mine I didn't have You had an emergency fund But it was like

We need to do this I'm going to rely on you Yeah so for a long time We didn't take a salary That was so true So yeah we did not take a salary For a long time And then when we did

It was dying it And then it's still a lot lower Than we've We've earned before Yeah And so that conversation does happen Between partners

Maternity leaves Yeah. So when you take time off materially, when you're in a relationship, you are dependent on the other person for sure. Yeah. Oh my God. So I was going to go one way with this and be like, no,

you should never be financially dependent. Carl's at home going. And you just highlighted that I have on multiple occasions have been financial dependent. I am so secure. I have got such strong financial foundations. Like sometimes in life things come up. you have to be financially reliant on your partner and it is risky. I'm not saying it's not. It was a risk for us to go as a family, can we do this? We're going to do this. But it will

help millions of people and we'll do amazing things. And like, we have to get their buy in to do it and backing and like, and we'll go on holiday this year, but we might not. Everyone's like, okay, can you work really hard at this thing? So that we do get a little bit of revenues that we can. Yeah, it was. You were a lawyer and. Oh, like it was a massive, it was a massive financial sacrifice. But I'm a professional one as well to go like, I'm going to do something that is so wildly different from the really academic job and like professional, like senior. Me, I was a bit more creative.

So yes, it was a risk. But Laura was like a huge career change. Everyone was like, what? You're doing what? Yeah. Do you know what? Our parents didn't say that. No.

They were like, yeah. Yeah. I think they knew. But I think they knew they'd benefited from financial personally. So before we decided, this obviously was an Instagram page for those of you that have been around a long time. You'll know that. And it was whilst we had our other jobs and we sold the playbook as a PDF and some of you bought that. And then we put that money straight

back into the business and built the app. And then any revenue that we got from the app we struck put straight back in. So it was a long time before we could finally take a modest salary from it. But we just, everyone knew that Falunschild would work because we knew it helped people and it helped people at scale. So if you follow the playbook, if you download the app, if you track your money and if you set these goals, it's life-changing, but for lots of different types of people. And so we knew it would help enough people that eventually it could, you know, be a job that we had and a business that we'd have. But you're right, Holly Wood did. So then what was important, time in our lives.

And so we might have also, so if we'd have been early in those relationships or we would, yeah, I'll go say this is a wrong thing because I was going to say if our partners didn't earn as much as they did not that they earn loads, but it was enough that the budget worked. We still would have been willing to be dependent on them and we just wouldn't have been able to be dependent on them. It's about who you being financially dependent on and for how much and crucially do you at least have an emergency? fund that backs you up because at any point had that dependence been taken away, that ability to be dependent on them like, we're leaving you and you're not, you know, I'm not paying for you anymore. We would have had to go get a job. But we've sort of had at least emergency savings and our own investments. So we're not financially, we were not financially dependent on people for retirement. We were still making sure that we're on our own. We weren't actively investing

again for that period. Um, we're risky hunts. Who knew? risky. We're always like, you do this, you like methodology. Do as we say, not as we do. No,

no, no, no. But we followed the methodology and crucially. Which is why we could do it. Like we were in a really financial well place. We didn't have loads of big outgoings like car finance payments.

We weren't going on boojia holidays that we couldn't afford. We didn't have, we didn't stretch the top of our budget when we got a mortgage before we even thought about starting this business. So we weren't crippled by mortgage payments. Crafted that position.

We didn't have any debt. So our monthly outgo is the only reason we could do financial and the way that our husbands could cover the bills in our families because we were so, we followed the playbook methodology that law and said, we were lean, I wish, really lean. We were really lean with our finances. And that is, I tell everyone, I'm like, that's the only reason why. And so many people go, how could you even do that? How did you manage to afford it? Like, we weren't rich. We just

literally followed the playbook. Like, and that's why we went, this is going to work. Like, this is a thing. But for people that, like, said, want to set up their own business, they go, how do you do it? And it's like, well, the best thing you can do is, build up emergency savings, build up savings that you might need to launch the business. And we sold to do that. We sold some product and then we invested it back in. But kept things lean and expenses low. And that's very freeing because your dependence is low.

Whereas if it's like, I've got this on finance, got this on finance. This is my lifestyle. This is what I like. So many people wouldn't start businesses or do the job that they want to do because they go, I can't. My lifestyle doesn't reflect. It changed to the corporate lifestyle. Yeah.

Yeah. Yeah. Okay, time for our first time at all. Laura, do you want to know my secret to wealth building? Sure, go on. It's about working smarter, not harder. Basically, be a coffee cat. Well, as your older sister, I can see how you would think that. Okay, hear me out.

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I went into panic mode and purchased a new house. Hi. This isn't like a handbag or some people buy like puppies impulsively, but I've not heard of an impulsive house. issue, so this is quite an expensive habit. To be fair, I think it might be justified, so let's get into it. Hi, I've got a dilemma I would like help with. In January 2024, I had my first baby at the grand old age of 41. It's something I never thought would happen, but it's been the most amazing thing ever. The plan was to move in with my partner and then sell my house. But unfortunately, two weeks after my little girl was born, my partner decided he didn't want to be a dad and left.

I went into panic mode and used my savings to buy a new house. I wanted a nice home in a good area for my daughter to grow up in. Now, 16 months on, I'm finally tiding up my old house ready to sell. I would have done this sooner, but as a single mum working full time, I've really struggled to find the time. My question is about capital gains tax. I'm not really sure how it works. Will I have to pay 40% capital gains tax on any profit I make? Any help would be appreciated.

Oh, now I empathise why you bought the house. Yeah. Well done, by the way, for getting you. through this horrendous time I can only imagine what that feels like as a new parent to just be left high and dry when you thought that you were going through this build this life together

and then two weeks like you've barely given birth and they walked out the door so kudos to you for setting up your daughter for life. It's fantastic. But it was an impulse purchase though because she may have been better slowing down and

navigating in the house she was in, putting it up for sale, finding the new house, and kind of going in, like, in that order rather than jumping to the new house. But she said it and she's done it, and it's a new house. So she's obviously had the means to be able to stay for a deposit. She's obviously had the means to pay because she would have paid a 3% stamp duty tax uplift because she would have had two residences. And so what she's done is she's like had, she's impacted sell financially by doing it, but it is what it is. So what is the capital gain situation? So there's two things. One, she might be able to claim back or she should be able to claim back the 3% stamp

duty uplift as long as she replaces the whole, sells the home within three years. So that's worth, again, getting advice on properly from your property solicitor, but having a look at whether you're able to do that as long as you sell within the three years. And then the other thing is you can get private residence relief on capital gains tax. If you're selling a property that you lived in, so this isn't like a rental property that she's had in the background. And then she's selling that. So if you had a rental property, you know, that's capital gains tax scenario. She may be able to claim that relief for the time that she lived there. And there is sometimes a top-up relief for a period of time. I think it's nine months after that you can claim. So there may be, given she's

16 months on, she said 16 months on. Yes, 16 months on. She may need to pay capital gains tax on that portion of time but again your solicitor will help you work out what is due in this scenario or possibly your accountant as well so she's going to pay it but she's been able to move on to her new home with her baby and start this new life and so as part of his like there's no massive penalties for the time that she did it and if she had to pay in tax don't forget paying capital gains tax is tax on a game yeah yeah it's like it's not a lot it's not a loss the stamp duty would have been but she should be able to claim that back and you know based on what she said so she'll get that back yeah and then she'll might she will have to pay possibly some tax um

but again sit with an accountant because there may be ways that you can reduce that tax liability but it's tax on a gain so it's not worry too much no it's not money out your pocket but it's hard what do you like when you're in that scenario i can't even imagine it's just like that knee-jerk reaction of i need to go and do something like proactive and maybe like it was a distraction for her at the time but in hindsight you'd be like oh you could have just sat with the property that you had like everything would have been time but let's say you know when we we react in different ways when we've had like emotionally been struggling during a particular time like i panics bought my so i was all set to purchase this house and then the sellers messed me around

a little bit and i just bought the next available one which to this day like is my rental property and family member lives in it and i'm still happy that I have it but I moved out of it after a year because there was like a neighbour next door and dogs and that we had a couple of different issues and it wasn't the right one

but I was single and I was buying on my own and I felt like all the pressure was on me you had a child so I do think that very similarities emotional burden and listen it's not the worst thing you could do like oh my God

buying a property so I bought a motor home Or on your car VW Campo A lot of people panics like a car when they get pregnant and have babies because they're obsessed with the idea

that I need a better car I need a bigger car and we've covered that and we've covered that lots of length and our view on that is that you shouldn't that you should not make

such emotional decisions especially for spending money on assets that you then finance but property is different and generally like we've got a vibe in our mind for the area

schools parent help like childcare, nursery, work, all these things. You will have thought about that. It's not like you're buying like a random house nowhere near where you want it to be. So it's a mindful asset. And yeah, I did it. So after all, maybe like pushed into it.

But so did I. And, you know, my asset has gone up massively in value. In fact, I don't like, don't want to think about the capital gains tax that I would have been charged on it even when I sell it. But again, it's tax on a game. Yeah. Okay, time for all community win. Dear financial, I am writing to you from my fully paid off and budgeted for a holiday

at the age of 27. Oh my God, where is she? Excuse me, Bridgetton advice. I know, dear financial. Bridgeton. Oh, dear financial. I think about the holiday. I was like, I don't think they went on holiday.

Like jet two holidays were around in that time. But yeah, no, I know what you mean now. I left uni at 21 with a £2,000 overdraft and no money knowledge. I stayed in that overdraft for years with family telling me it's fine. in debt. Thank you for helping me finally feel like I deserve this holiday and to relax properly in what feels like forever. As I no longer have debt weighing me down, I have pots for everything, even hot chocolate. I'm sorry. A hot chocolate pot. Is this you? Lucy's got a noops obsession, so she needs a hot chocolate sinking ones. I'm now in the black with full knowledge and power

to never go back in the red again. I love all the podcasts and have listened to every single one. Love from a very happy redhead in the shade. Oh, I remember writing back because I was like, I've got a little redhead that has to be in the shade. Oh, I'm not a redhead and I love being in the shade as well. So we're all there together. Imagine like, we've talked about that feeling when you're on holiday and you're looking around the pool and you're like,

who will be paying this off by the next holiday? Who's worried about going hard to the credit card bill? Yeah, or during the room bill at the end of the holiday. Who, you know, who is feeling stressed about. the payments you have to make when they get home and the answer is most people genuinely the most people that you turn around and look have got like not a healthy way to fund the holiday and most people have consumed it and most people have it tough so there's like a healthy smugness not because you're better than other people but like that you're just proud of yourself yeah

freedom isn't it yeah fully enjoy the holiday like you said not worry about oh we're going for dinner tonight should we just go somewhere yeah it's cheap and cheerful it's like no no we're on holiday and we have planned for this money. I don't know if everyone remembers ages ago I put in the financial community about like airport money is not free money and I'd like been really organised and got sweets and stuff. Well on our way to the airport there was it was the there was something on like a protest or something in Liverpool and the traffic was absolutely horrendous so my calm and like airport money you're not going to have me over this time I'm going to be like just went out the window we arrived we have to like fly through and I was thinking oh my God we need

something to eat like we need a snack like what we're going to get and like just literally into W.H Smith grabbed like two meal deals from there. Neil grabbed something from there and I looked and when I got home I was going through and obviously came out my holiday sinking fund so it was fine it was all budgeted for and inverted commas but my smongness of being like I'm going to no one's going to get one over on me someone talked about the water I forgot to take my own water with me at my own water bottles so you can fill it up for free I think we spent six pounds each on a bottle of water. Like, it just went out of the window.

I think spent about 40 quid in W. H Smith's on rubbish meal deals. It was so smug. Beforehand. At least you had the sinking fun. I had the sinking fund. That would have been not as enjoyable. I didn't want to rely on Jet 2

so I've like a lovely, I don't even know what I would have eaten. Toasted. God. What's the standard? Ham and cheese toasting. I'm just looking down at how white hollies like compared to mine and Lucy's and you just talked about your holiday.

It was a long time ago. Coriol eggs. Milk bottle. I look blue. And a tulix. I just look a bit cold. She's dead. This is corpse three.

On the pantone. You're another shade hun. You're another shade hun. It's fine. Corp's three. It's white with a hint of blue. Do you have one of them? Sophia got her nails done girls bathroom.

She was like, it's giving corpse. It's giving mutt. She said to her milky. Mortuary 4 We've got such a mortuary 4 Excellent Do you know I can't have fake tan

Because I've had my laser You're not supposed to have it Put it on for a couple of weeks after Is the rumour I thought it was sun tanning Not fake tan Well I need to Let's check this

Shall let me go over two years Chat GD you see it I just got into my fake tan era I just don't get Keeping up sorry to sidetrack But with laser Everyone's like Oh yeah you can't tan

But I'm like All of these gullies Who are getting laser Are like oh it's so tanned all year round they're always on holiday. Oh no, it's immediately after. Immediately after. But we're not, though, are we?

We're not tanned. We're not tanned, are we? No. It's like immediately after. Like 24 hours. No. A couple of weeks, I think. You can't finish your laser on a Friday and go on holiday and Monday and tan.

Because your body's just been like blasted by a laser. Yeah. So you're vulnerable. Just like SPF for that. I just, we'll follow up and Google this because I think she's been getting confused with you can't tan. Not you can't fake tan. So now I'll look ill.

I'm looking ill for nothing. God's sake. Anyway, sorry, a corpse for me. If you'd like to tell us you'll win, head to the community in the app or email it to the vault at financial health.com. Okay, second dilemma. I can't afford a car without finance. What should I do?

Hi, girls, I don't know what to do. I know you always advise ditching car finance and buying a car outright, but my issue is, that I have a field-based job, so I rack up a lot of miles for work. I'm not sure if it's feasible to get an older car or one with high mileage, because I really need it to be reliable. I can't afford to buy a new one outright, so that would mean going down the car finance route. Right now, I'm slowly saving up my emergency fund so I don't have any extra money for a big purchase. Do you have any advice on what I should do? I don't care about having a flashy car. I just want to reduce my debt and keep my monthly costs as low as possible.

Does she have one now? Mm-hmm. Sorry. I like, I'll listen to everything you said. And then I was like, what's that question? Like, does she have one now? So she has a, she owns a car. Um, yes, because she has a field-based job.

So she racks up a lot of miles for work. So this is about like, do I need a newer one with a lower market, my, mileage, more reliable. Um, um, she doesn't need it's got a car on finals. Nope. Nope. No permission. Do you know what? I, there's been a weekly routine of putting anti-roof,

on a pedestal. Finchelle's Antibuth, who is smashing her investment journey and all these are the wonderful, wonderful thing. She's on holiday at the moment. She keeps them as voice notes. And do you know there's that TikTok where there's the girl

that does her sister's voice notes? Have you seen them? Oh my gosh, she's so funny. I feel like we could act out Antibu's voice notes, dead broad. She always does a swim tour when she arrives. I appreciate that.

But she whispers it because she doesn't. There's no one else there. And she does. My little boy went, why is she poorly? Is she not well? I was like, no, no. It's just her thing. Like, she'll be like, so this is the balcony. And this is the bathroom. And she just goes, she's like in a place of the sun. She's like, smile. Yeah. Love it. Like, she'll give a comment. She'll be like, I just love this kitchen. And look at this. Isn't this good? Little courtyard. Like, you get the just.

And her voice notes have dramatic pauses in them. They're fantastic. She should play them out. She would. She'll never know. She doesn't listen. No, she doesn't. She sent us one this morning of a,

I forgot to tell you what happened on the plane. Someone's still a full glass of phanta and gin all over my jeans. And then she goes, who has phantom and gin? Well, who does have phantom, and June is my question. And then the lady was like, let me pay for your dry cleaning. And she was so peeved off my auntie. And she was like, you don't dry clean jeans. So I let her know that I wasn't happy.

It was fantastic. voice no it was like proper acting out all the voices this happened two days ago but she just remembered to tell us so she left as his voice note um the reason i'm talking about antibuth is she um similar position like budgets budget uh has emergency savings is in a really good place but doesn't have emergency savings for a car and uh yeah she's sorry i like she does but not like uh not bougie emergency savings and she has moved to a past couple years a field job involving quite a lot of travel. And some people at her work actually have company cars and it's something that we've talked about. And she's, again, I love that she raises this. She's like, what do we think?

Like I feel like I'm a bit nervous about my car. Again, she had no issues with it. It's absolutely fine. It's just this sense that actually, if it is available through work and it may be something that she wants to explore where they'll kind of give a company car, it's not on finance. For her, it's company car. Because she has the same concerns. She still hasn't and it's still not change your life and it's about maintaining that car knowing that something may happen to it at some point in fact someone crashed into her and she had to buy a new one again and she got the same car again

I've done that before it's like paralysed by decision just by the same thing and the last one had eyelashes she didn't put them on previous person did I don't think I don't think they survived that one had gone down there was a special revel-on

or something like Laurie oh yeah it was edition car It was like hairdresser surely. I like beauticians and stuff that are going to. It was iconic. But she felt to say one again. But it's this point that we can convince ourselves of anything and we can convince ourselves that a field-based job and I'm really worried about this car.

So what you do is you're making it not too impulsive. It's thought through, but you make a spending decision based on emotion rather than logic, which is cars on finance often still need things, things go around with them, things happen. and she's like wanting to get control of the money. She's building up her emergency fund. She's no excess cash at the moment. She's going to literally steal all that excess cash because she's going to introduce finance.

And in fact, it doesn't sound like she's even got the money for a deposit or she'd have to use an emergency fund for a deposit to get a car that you don't own at the end of it. And the best thing you can do is get it out your mind. Out your mind. Don't think about a new car. Don't convince yourself that you need one because of this job. build up a good sinking fund

and this might slow, the thing is the good thing about emergency fund and a car maintenance sinking fund is for me they're the same thing and what I tend to do is say either build up a really good emergency fund because if something happens to your car

it's an emergency and you are allowed to use the emergency fund get the emergency fund to a place where you're happy and then switch over to the car maintenance stroke car upgrade fund we've got one, Neil's car's old so the day he bought it we were like So we obviously need a good, strong maintenance sinking fund because something's going to go wrong with this car.

And then also we're going to get a new car fund because there's going to be a day when you might need a new, you're going to need a new car eventually. And this car is so old and you've got it so cheap that we're not going to get thousands of pounds handed to us for taking the car in. They're all decisions that we made up front where we're like, we're going to buy this car,

but you're not going to be able to trade it in for something. It's probably going to be worth like a grand or two grand by the time you've done with it because you're going to run it into the ground. So you go with the facts and everyone just goes, I need a new car because I've got a field-based job. It's like a prerequisite. Like it's just a thing that people say,

dad's probably with daughters alike. Our dad would probably say, I want to make sure that you've got a good car that you're not stuck on the side of the road, in the middle of the day, a vulnerable one, one, another, like I get why. Yeah, but my car is 12 years old and it's got 85,000 miles on it,

and what dad knows, and our husband's, dad's top. They're done. Like St. Paul. Like, he knows that they're well maintained. So that's the thing. So you can build into the budget. And you just take the hit because it's worth it.

I promise you it's worth it. Well serviced. Keep on top of that service. Go into your financial app. Go to life admin. Note down when the service is. Because don't wait for a light to come on. Don't wait for.

Be proactive. Get it regularly looked at. If you ever hear something that makes you feel uncomfortable, don't be worried. Take it in. Don't just turn the music up. Yeah. No.

Oh, don't do it. Carl's is rattling this morning we got in the car. No, last night at training, got in the car, and there's something on the left side. His card is, saves mine 12 years. Just going to get that. Text after Mark, straight away. Mark, we're going to be bringing it in.

It was only in, not that long ago, for its service. Like, maybe like four months or so still considered a part of time. But the minute we've heard something, it's going in. Because we are rinsing that car. That car's being driven into the ground. There is nothing that you can convince me that we need a new car. In fact, we were going to buy him a car for his 40th

and he wanted a party and a holiday. Did he get his carpet? Oh, yeah, he wanted to buy carpet from his birthday. He went to Abu Dhabi instead. Luckily, he also doesn't listen to this. So he would have been triggering and reminded. But he got a car, he got a watch, which was a surprise.

He got a party. He wanted a party. This is like the generation game show like, you won a watch, a car. Don't get a new car. A carpet. A watch. Tell me you're 40 that way.

I can't tell me you 40. Yeah. But we chose that and we agreed that what we do is we look after these cars. And then you, I promise you, you get it out your system. You get the urgency, the dopamine and the excitement that I need the urgency. And you come out the other side and you're very comfortable with it. Like make sure you've got a mechanic that you like. Make sure you have that recommendation.

Have you ducks in a row? And maintain it. And when the winter advert comes on where it's like, make sure your car is winter ready. Don't put your fingers in your ears like I do. I'll look at your husband and go, obviously you're going to take care of that. Proactively, make sure that your car is safe,

well looked after. Oh my God, if we need to do some socials on Holly like checking the oil, topping up the, what's it called? I couldn't open the boot. No. Not the boot. Oh my God.

On it. I. I can't open the boot. I can't open the bonnet. The emergency miles bar that's for when you're stressed, not for when you break down. I've got a Diet Coke in my, she doesn't know, and I'm telling her. And I drive her everywhere like Miss Daisy, but the, what's the thing? The glove box for your gloves that no one has.

It's a diet Coke in that emergency one. It's not mine. It's my dad's. I was going to say not being able to open the boot is weaponised incompetence, isn't it? No, I promise I can't open the boot. I can't open the bonnet. I wouldn't have a clue. On that note, I'm about to go and get a Diet Coke at my sister's car that's in front of my face.

You won't want it. But moral of the story, you don't need it. I promise you, but you have to do the other things. You can't then go la la la la. And in the future, you are going to have the most amazing car of your dreams that you want that you pay cash for. And then you'll run that one into the ground. Yep. Okay, that is all for this episode.

The Vault is now closed. And just a quick disclaimer, The Vault is just a chat on our life for many topics. We're not giving financial advice. Thank you.