Thanks my new friend.
I have not had debt for many many moons, no overdraft, no credit card, no mortgage or loans. Never had credit for anything, always paid cash.
Where I live now, Poland, is the polar opposite to where I grew up, the UK.

Nobody seems to need the latest phone, the best car, the expensive watches and all that crap.
So I suppose in a way, I can thank my surroundings, for wanting nothing else. :-)

Hope you have a superb weekend also.