Current wife, ex wife or possibly wives, bit on the side
, childrens private school fees, then cars for them (plus insurance), then gap year living costs, then "I can't save enough for a deposit", plus that 5 bedroom "executive home" in the exclusive cul-de-sac with contemporary interior that would make that Grand Designs bloke have an orgasm...it doesn't pay for itself you know, nor that "little place in France", the boat at the coast, the golf club membership etc etc...it all adds up apparently!
