u/Heavy-Wrap5839

24 years old, and currently earning £40k in a field with great upward mobility. I could switch jobs with relative ease for £60k+ however I love my current role (wfh, have made great friends, etc.) so I'm in no rush. Perhaps I'll move on next year.

I'm currently contributing:

• LISA - £320 per month
• Easy access savings: £500 per month
• S&S ISA: £400 per month
• Then there's student loans and pension contributions

Current balances:

• Cash: £2k
• Easy access savings: £3k (was previously £8k, but recently purchased a car + 1 year insurance)
• LISA: £10K
• S&S: £4k
• Crypto: £2k (started with £100 and has grown; I don't actively deposit)

No debts.

I currently live at home, and have paid rent for the year up-front, which was £4k.

My dilemma: Living at home is great financially, but I'm also feeling the need to get some more independence. When my LISA reaches £15k, I was thinking of purchasing a flat in the £150k range, however I am also tempted to hold off on that and stay home knowing I have a deposit ready, and instead focusing on building up my other accounts without worrying about a mortgage and other housing costs.

My goal has always been to reach £100k in accessible money by 30 years old, and moving out could hinder that. We have also come to an agreement that if I find myself unemployed for whatever reason I don't have to pay rent (so if I lost it right now, my year up front would be frozen in time and would start counting down again when I get a new job, if that makes sense).

But in spite of the above, housing is only going to become more and more expensive so I feel like I need to get onto the ladder sooner than later otherwise I'll never own a place.

I must have done something truly horrifying in a previous life to be dealt this shit of a hand.

24 years old, 5'5", and ugly as fuck. And not ugly in a way where I simply 'disappear' and go unnoticed, no, I stick out like a sore thumb. My fake is horrific (look at Squash from Plants vs Zombies to get an idea of the shape), and looks like it has been vertically compressed so I have lines and stuff everywhere. It's quite bizarre, I look too young and too old at the same time. No coherency whatsoever.

I know I look like a creep, and realised that at around 17-18 years old. My very presence likely causes women to be uncomfortable, never mind making a move. I truly believe that if I approached a woman, my face would be plastered over social media within 48 hours (a gremlin trying to shoot a shot makes good comedy).

I have a good job, money, etc. but that has zero benefit to my life. I'd consider myself infinitely more successful if I were broke but didnt have this stupid face.

Kids are out of the question. I refuse to condemn anyone with the curse of my genes. Not that its a position I'd ever be in anyway.

I'm giving it to 30 years old. After that, I'm gonna make plans to end my life.