I saw this today posted by @Al991
"Me and my partner call it ‘secret money’. Especially common among state sector employers like yourself and us. Money from parents, partner, tenants in a house their nan used to own, large inheritance etc. I feel like MOST people who work in low paid jobs like teaching, NHS (from experience of working with these people) have secret money. Usually a partner but I’ve known other types like owning inherited property (no mortgage), owns dividends in daddy’s company etc."
It got me thinking this must explain why I can't keep up with the Joneses despite me and DP have a decent wage each. We don't have any real secret money but once could go on a holiday we could never afford using it so I guess that counts.