Which British financial rite of passage actually makes you feel like a proper grown-up?

Signing away the next 35 years of your life for a damp two-bed in Zone 5. Nothing says 'I've made it' like Googling 'what is a service charge'.

You've stopped buying Pret and started reading MoneySavingExpert for fun. Martin Lewis would be proud — your mates think you're insufferable.

You actually know what a SIPP is and have opinions about platform fees. Retirement at 68 has never looked so achievable.

That sweet moment your payslip stops being raided by the SLC. Bonus points if you actually cleared it instead of just outliving it.

While everyone else is leasing a Range Rover they can't afford, you rocked up to the dealership with cold hard cash. Absolute power move.