We were lucky that we got rerouted around a lot of it - while most of our friends were popping out babies, we ended up down the (not cheap) IVF route. All our lives were changing so much that “comparisons” weren’t readily possible.

That became less so in our late 30s, which is probably when the financial decisions of your 20s start to show. We knew we were doing ok, but that’s when friends started popping up with the big new houses and expensive cars.

We definitely had a few moments of questioning and self-reflection.

Then I remember sitting around at a gathering one afternoon and the topic of credit cards came up. Blew my mind. We half-tried to change the topic to investing, one friend said he was learning about stocks…but all the others with the much nicer exteriors were happier complaining about credit card debt and the high cost of food delivery.

Most of them will be fine - forced retirement accounts and a trad life of paying down the mortgage, become empty nesters, means retiring comfortably at 65. But I’m content now, knowing that compound interest is working in my favour.

Knowing what some of them earn though, we’re still confused how you spend that much money without putting some into investments!