So very true. One time my car was damaged while parked outside my home, the culprit did a lot of damage and just drove away. Although the repairs were covered by insurance I still had to find £250 for the excess before I could get the car back. It wiped me out and set me on a spiral of debt and depression.

If the same thing happened today I could just shrug it off and carry on regardless.

I am not rich now but I have spare cash and this makes an immeasurable positive difference in ways one cannot conceive without the benefit of an alternative experience.