<p>Simon a 33-year-old engineer who opens up about how habits define his finances, why he doesn’t trust investing, and why his biggest regret is going to university.<br/><br/>We cover:</p><ul><li>Delayed gratification, gamifying savings, and resisting impulse buys</li><li>Why he sees university debt as a waste—and what he wishes he’d done instead</li><li>Why M&amp;S may be the best value supermarket right now</li><li>The importance of separating yourself from money</li></ul><p>🔔 Subscribe for more real money conversations with everyday people — their regrets, lessons, and money habits.</p>