Except I don't have a car or a phone contract. Try again.
Spent excess cash renting in an expensive area over several years when you could have rented in a cheaper area and bought in a cheaper area instead...

Post your monthly rent in this thread again... now... how many years have you lived there?
You've had these threads before and posted about it IIRC. If you'd bought somewhere more affordable you'd perhaps have 200-300k in equity by now and could be looking at using that as a deposit for a house outside London post covid... well assuming houses don't completely crash in value.