Truth. I am 26 and I know very few people I went to school with have their own homes. I personally have no interest in getting a mortgage any time soon. Too much of a long term investment. I want to be free to move whereever I want on fairly short notice.
I spend every penny I earn. I might die tomorrow so fuck it is basically my philosphy. Maybe in a few years this will change adn I will start saving. I have student debt but I am in the UK so it doesn't really count as debt.
Halfpenny is out. Obviosly sucks for him and to lose a goalkicker that good isn't ideal but I don't actually think it weakens the side. Liam Williams is a better attacking player than Halfpenny and Biggar is a class goalkicker in his own right.