I love the "..I'm already taking sandwiches to work..." bit. I might be wrong but this really sounds like a kid who has had a lot of things provided for them, and they just assumed that living where they want, having a car and a nice phone was easy and expected. Yep, they cost money and someone has to pay for it somewhere! (and if it's now you, you budget accordingly and work out where you can afford to live, that's how other people cope). Assuming this person went to uni (and it might be likely given they are "24, new to living and working in London"), it's interesting that there is no mention of student debt either.