Another commenter pointed me to the obvious that it probably does come down to savings, which makes sense because I do already do those things. I do have a car,

Another commenter pointed me to the obvious that it probably does come down to savings, which makes sense because I do already do those things. I do have a car, but thats from pre-WFH, so I could probably get rid of that now, and I don't go away for vacations at all, I just stay at home or at most go to a caravan site. So yeh, might just be a waiting game.