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  1. spyguy
    'At 24, we have a house and earn £100,000. What could possibly go wrong?' http://www.telegraph.co.uk/finance/personalfinance/money-saving-tips/11881798/At-24-we-have-a-house-and-earn-100000.-What-could-possibly-go-wrong.html This bit confuses me: 'Both are employed on coveted graduate training schemes, which offer increasing levels of pay each year. Miss Mills works in finance and Mr Kelly is a computer programmer. As a result, they will both be higher-rate taxpayers by 2017, when their joint household income will be just shy of £100,000.' Would you really count your chickens on that?
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