lol, PCP/Hire purchase is so pointless at new, a £40,000 BMW brand new is now worth £35,000 after one day of driving.
2 years later it is now worth £22,000, you are still driving this for another 2...
I've travelled the world and done so much, purchased nice things etc, also always out every weekend, and i'll probably be able to retire by 45-50 also, you shoud have a balance, should of enjoyed...