But of course as always I cannot be down on myself too much, all that debt was incurred on pleasure, and in particular travel, so was any of that money wasted? No, it was all spent on travel. And if I had all that money back again, I would just straightaway spend it all on travel again. So it is not like I wasted all the money on some terrible investment, or on something that then got stolen and lost. I spend it doing exactly the most important thing I want to spend money on. That money brought me the most fantastic sexual experiences with Adelina in Manhattan, Fortuna blonde, Manuela in Burggasse Peep, Amanda and Jackie in WSK, Andrea and Julia, and Inna and Lucy in Fifth Avenue, Maria in Pour Platin, Riccarda, Diana, Olga & Alla in Berlin etc etc etc. The only thing is for my safety and future harder life, I have to try to rein this in now. Rein it in for a while, just so I can go again. There is no point living like a monk and owing zero pounds and just carry on living like a monk till the day you die. I have to try to indulge as much of my pleasure as I can, while still young and fit and healthy (and single). I have to put all that pleasure in my bank, so when I am old and infirm at least I can look back and think well at least I did something, at least I travelled to some amazing places, and slept with some incredible women. That is why every penny of that debt is worth it. Not a single penny is wasted or do I regret. Yes, there have been some bad trips, but you never know until you get there. You have to keep spinning the roulette wheel to enjoy those occasional massive successes that live with you forever. The successes are of so much greater value than whatever they cost me in pure money terms. Adelina, Lucy, Andrea, Amanda, etc etc etc absolutely mind-blowing experiences. The highs that you remember for all your life. Important to reach a philosophical position on debt, as much as a practical management position on it.