Yes. But. It’s a big “but.” (Heh-heh). If you’re single, debt-free, and live outside the M25, it’s a fantastic start. You’re not worrying about heating or eating. You can treat yourself to a new phone every two years.
If you have three kids and a Labrador? You’ll be counting pennies. 40k stretches differently when you’re buying nappies and dog food. The Labrador eats better than you do.
In short: 40k is a comfortable rung on the ladder. It’s not the top, but the view is nice. You can laugh at the 30kers below, while squinting up at the 100kers above. It’s the middle-class dream—with a little Disney magic.
Final Quirky Truth
The average UK salary hit £40k for the first time in 2026. That means you’re historically average—for now. But hey, inflation means that in 10 years, 40k will be the new 30k. So enjoy it while it lasts. Buy a fancy toaster. You’ve earned it.
P.S. If you’re reading this in London… sorry. The toaster will be smaller. But it’ll still toast bread.
