You're not imagining it. That feeling of never having enough, even though you're earning more than you used to. The constant low-level anxiety every time you check your bank balance. The guilt when you spend money on yourself, followed by the confusion when you realise you don't actually know what you spent it on. You're not reckless. You're not living beyond your means. You're not buying designer handbags or booking spontaneous trips to the Maldives. Yet somehow, the money t