there is money left over in the account at the end of the month after everything else has gone out

plus there is the lump sum
plus i've got bank accounts that have a few quid in them that i don't touch
plus i've got the kids an accoutn each for their money, again, which i won't touch
so there is money tucked away somewhere for a rainy day, but if i were earning a lot less then i'd be a bit fucked