May 26, 2025 • 44 mins
This week, we’re diving into the brutal financial reality facing millions in the UK. With a BBC headline claiming “1 in 10 have no savings,” we ask: is it actually much worse than that?
We talk about:
- Living hand-to-mouth in 2024
- The impact of credit cards, Klarna, and buy-now-pay-later culture
- The broken education system that never taught us about money
- Rising bills, low wages, and how the system keeps us broke
- Social media pressure and why so many are stuck in the comparison trap
We also get real about our own finances — credit card debt, life insurance, and whether saving even feels possible anymore.
It's honest, unfiltered, and probably the most relatable money convo you’ll hear this week.
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🎙️ New episodes every Tuesday.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
It's just again.
It's the rich get richer andthe poor get poorer.
Speaker 2 (00:06):
I saw an article on the BBC News website One in ten
have no savings.
I reckon it's more than thatExactly.
Speaker 3 (00:14):
They're so disconnected, I think.
What did they do?
Walk around London and ask 100people?
Speaker 2 (00:21):
The education hasn't evolved the same way that money
has Hasn't evolved.
Speaker 1 (00:24):
at all really has it.
Speaker 3 (00:26):
I would love to know an actual statistic of who is
living hand to mouth everysingle month.
The Untold Podcast is proudlysponsored by Aura Surfaces
specialists in luxury surfacesfor extraordinary spaces, Like
creating dream homes, building adream life takes work.
That's why we had to get behindthis podcast.
(00:48):
Real stories, real challengesand real success.
Let's get into it.
Speaker 2 (00:53):
Welcome back to the Untold Podcast.
Everybody, it's good to haveyou back.
I think we ruffled a fewfeathers last week, but it was
all out of love.
I promise you that.
Speaker 3 (01:00):
I think you ruffled a few feathers last week.
Speaker 2 (01:05):
I've been building this nice guy persona for the
last two years.
I think I smashed it to bitslast week.
Anyway, we've got Ash in theroom.
All right, peeps, and we've gotChris in the room.
Hello everybody.
Speaker 1 (01:15):
How was your weekend?
Probably the best weekend of mylife and I did get married at
the weekend as well.
Not this weekend either.
Yeah, it was.
It was my best day I've everhad in my life, entire 43 years
of my life Not going to lie,apart from the one that we had a
couple of weeks ago.
Well, yeah, I mean it was aclose call, but it definitely
went to the top, Definitely wentto the top.
Speaker 2 (01:38):
Go on, get it off your chest.
Anyone that doesn't know whatI'm.
Speaker 1 (01:41):
Crystal Palace obviously won the FA Cup on
Saturday for the first time ever, ever, first ever trophy, and
it was an unbelievable day outBeauty, wasn't it?
Yeah, scars to show up for itand everything.
Speaker 2 (01:53):
One of my earliest memories of the FA Cup was when
it was the Mark Bright, ianWright up front.
Who'd they play in the finalthat year?
Man United, was it?
Man United, yeah, mate.
That was one of my first evermemories of the FA Cup.
We all got together and we'vedone it every year, whether I
was a kid or as a grown-up.
Big old occasions, fa Cup.
Nothing better than the FA Cupday, mate Made up for you.
Speaker 1 (02:11):
It was awesome.
The best thing about it was Igot to spend the day with my son
and just the embrace at the end.
As soon as the 90-minutewhistle went, we both burst into
tears.
Just had a big cuddle.
You know two full grown menjust crying their eyes out and
you look around you andeverybody's crying, everyone's
hugging.
It was just unbelievable.
Unbelievable.
(02:32):
Still not over it, mate.
When it's done, right, youcan't be, for I can't wait till
Monday.
That's why I said I might notbe on the podcast next week
because I've got celebrations onMonday of the parade or
whatever they're going to do abit around South Croydon or East
Croydon.
Nice, how?
Speaker 2 (02:48):
about you, mate?
Did you go to the FA Cup final?
Speaker 3 (02:50):
No, I didn't go to the FA Cup final.
I spent my weekend at Paws inthe Park with the family and the
kids and about 45,000 milliondogs barking.
No, it was good, it was reallynice.
Nice little reset.
Nice, it was good, it wasreally nice.
Nice little reset, nice littlereset.
And then on Saturday I got abit of a nasty thing, but we
won't go there on today'spodcast.
But no, it was wicked Wicked.
(03:10):
Really good, really goodweekend.
It's a good little show.
We camped there, took thecaravan, got a bit of a suntan
tops on my feet, a burnt Rasinda.
But that's the joys of love.
Speaker 1 (03:20):
It drunk too much, ate too much and chilled a bit
too much how was your sleep,with 45 000 dogs all barking at
the same time to be?
Speaker 3 (03:27):
fair it was.
I didn't hear anything exactlylike literally next to us there
was 12 huskies and when theyfirst pulled up these huskies
were like howling, like kids andI was like, oh fuck, this is
gonna be torture, but it wasactually all right.
It was actually all right, Iknow yeah, good weekend, right,
I know yeah, Good weekend, Goodlittle reset.
Really I feel good.
(03:47):
I downloaded this app.
I kept seeing it on TikTokStress Watch for your Apple
Watch.
So I've got this app now and ittests your HRV levels and every
hour it says your stress isgood, you're manageable, your
HIV levels.
Yeah, that's exactly whateveryone says good, you're
manageable, your hiv levels.
Yeah, that's exactly whateveryone says and honestly, it's
(04:07):
fucking brilliant.
I feel myself getting stressedand then the app sends me a
notification you're gettingstressed, go for a walk or
something.
Speaker 2 (04:13):
It's mental, like just knowing obviously you know
it's like bruce banner's watch.
Speaker 1 (04:18):
Yeah, remember that in the 80s I'll be like forest
gum would be running around thewhole time, like for the country
.
Speaker 2 (04:23):
His watch would go beep and he'd turn into the Hulk
, but yeah, no, it's a reallygood app.
Speaker 3 (04:28):
Actually, it's a really good app.
It's a really good app.
It's not sponsoring thispodcast yet, so I'm not going to
mention what it is.
Yeah, but what about you, des?
What have you been up to?
Speaker 2 (04:38):
Mate, I went to TikTok headquarters on Wednesday
to be in this agency.
No one knew who we were and wegot a phone call saying the head
of TikTok shop has opened ameeting with who the effing hell
?
And they named our agency, theAffiliNation, or we weren't at
the time, but we are now and howcan we help them?
So we got a phone call sayingright, we want to learn more
about you.
Come up.
We went up there, mate.
(04:59):
They rolled out the red carpetcarpet.
We had a tour of the building,which was stunning, by the way,
I can imagine it was like 23degrees in london, in farrandon.
So we went up onto the rooftopand had a meeting on the rooftop
, overlooking, overlookinglondon.
Speaker 1 (05:12):
Stunning, mate, stunning I'll see the video.
To be fair, it looks like areally nice view and all it was
gorgeous.
Speaker 2 (05:17):
it was gorgeous.
And then came back, uh, theyasked us to run a webinar for
the entire TikTok creatornetwork, which we're doing this
week and we're going fromstrength to strength.
I thought I'd give you abusiness update rather than a
family one, because you two hadnice personal ones, so I thought
I'd give you a business update.
But, mate, no, we've had a hellof a week, a hell of a week,
(05:38):
it's been great.
Speaker 1 (05:39):
There was me thinking he was going to say I went to
the pub and watched the FA Cupfinal in Brighton of all places.
Speaker 2 (05:45):
I did.
I did that as well.
I wasn't on the rooftop.
Speaker 1 (05:49):
No, I don't think.
Speaker 2 (05:50):
Anyway, I might have been at some point, but I'll
tell you what else I did thisweek.
Let's get into the meeting.
I saw an article on the BBCNews website that said one in
ten have no savings.
Speaker 3 (06:04):
I reckon it's more than that.
Speaker 2 (06:06):
Exactly.
I looked at that and wentbullshit, and this is from the
financial regulator.
And then, in classic newspaperstyle because this is what I
tend to do I went looking,looking, looking and then later
on, probably about two-thirds ofthe way through the article,
there was also another 20%.
A further 20% have less than£1,000 in their bank, which
(06:30):
basically means you don't haveany savings, doesn't it?
Yeah, so that 1 in 10 becomes 3in 10.
Yeah, Now, if you're taking thenation as a whole, the older
generation, they've all gotbloody savings because their
outgoings are gone and they'vehad the things that they've been
working hard to achieve all oftheir life.
But the younger generation,never in a million years.
Speaker 3 (06:53):
This is a very interesting topic, because
there's several reasons for this, I think.
One is the fact that it'sreally hard to make ends meet at
the moment.
The price of everything's goingup.
And the second thing is it's soeasy now to live on the never
ever.
I think now you can go in costaand put your coffee on a klana
(07:14):
and pay it in free now, that'sthat's mad, that's mental.
That is mental, isn't it?
Let's be, I get it.
You go and buy a car.
You can't.
Even if you add 25,000, 30,000to drop on a car, it's cash flow
, isn't it?
You keep the cash, et cetera.
But yeah, some of these things,now, everything you can put on
(07:35):
free and it's so easy to do.
It's chicken and egg, isn't it?
Speaker 2 (07:37):
You're right, no-transcript.
But when you are being paid twogrand a month and your rent is
1,200, what chance have you got?
No, what chance have you got?
(07:59):
And the fact that this is newsshows how out of touch the elite
are, because the BBC and thejournalists, they're all private
school people.
They're all rich, rich, richpeople.
They don't seem to think thisand when they go, oh, one in ten
has no savings.
How outrageous.
Speaker 3 (08:15):
Yeah, I bet you it's closer to five in ten.
Speaker 2 (08:18):
Yeah.
Speaker 3 (08:19):
I bet you it's closer If you ask.
I mean, who did they ask?
This is the thing.
Who did they ask for thatsurvey?
Speaker 2 (08:23):
Yeah, so yes, according to the financial
regulator, so they should have.
Speaker 3 (08:29):
Yeah, but what do they know?
Speaker 2 (08:30):
Yeah.
Speaker 3 (08:31):
But again, like we just said before we went on air,
you read the stats thatresonate with you, I think, and
they believe.
Just because someone's put thestats doesn't make it true in a
lot of cases I don't think.
Speaker 2 (08:45):
No, I agree, it's got to be a sample, isn't it?
So what they found?
A total of 2.8 million peoplehave persistent credit card debt
.
I believe it's more than that.
I believe it's well more thanthat Easy.
More than that Easy, more thanthat Easy, definitely,
definitely.
I have persistent credit carddebt.
Do you too?
(09:07):
Yeah, well, that's 100% ofpeople.
Nearly 12 million people feeloverwhelmed or stressed dealing
with financial matters.
Speaker 1 (09:12):
In other news the sky is blue and water is wet.
Speaker 2 (09:14):
I mean, what the hell ?
Speaker 1 (09:16):
The worst thing is some dickhead's getting paid to
write that.
I know, With a quill.
This is what pisses me off.
You get all these things thatyou read everywhere and you just
think to yourself oh, a surveyhas been conducted and it come
out across the blah, blah, blah.
Well, you didn't know thatanyway.
You didn't know that everyone'sfucked financially.
You didn't know that the grassis green and the sky is blue.
(09:36):
Like it annoys me that peopleget paid to do that as a job and
it's, it's just the same andit's they're so.
Speaker 3 (09:45):
They're so disconnected, I think, from the
real.
What did they do?
Walk around London and ask ahundred people yeah, they walked
around Knightsbridge, yeah,yeah yeah, yeah, it's funny,
though knocked on everyone'swindow that had a Ferrari.
Speaker 1 (09:57):
Excuse me what?
Speaker 2 (09:59):
did you do for a living?
I mean, not only have I not gota thousand pound in savings now
, I can't remember the last timeI ever had £1,000 in savings,
no, we do these side hustles tomake this extra money Since I
started this thing in 2022, yeah, things are better, but prior
to that, yeah, you live hand tomouth, though.
Speaker 3 (10:17):
I know Even my friends that are relatively
successful and they work from ayoung age and they're quite
sensible with money, they'restill like oh yeah, credit card,
credit card, credit card.
I'll put it on a credit cardand that's the.
Do you know what I mean?
That's the thing.
And now the kids are growing upat 18.
They can get a carner accountand they can do all sorts of
(10:42):
things and just I will pay it.
Put it on the never, never, gonext, go next, go next.
Speaker 2 (10:47):
Yeah.
Speaker 3 (10:48):
I just think it's so wrong, yeah, that this is being
promoted to young kids so theywant you to be in forever debt.
They do, cause that's wherethey make their money from.
Speaker 1 (10:57):
It's all the interest rates, so they make their money
.
So the more people are in debt,the more fucked society is, the
better off the government areand the banks are and everyone
that's lending the money in thefirst place.
That's it.
It's just again.
It's the rich get richer andthe poor get poorer.
Speaker 2 (11:10):
When was the last time wages were in line with
inflation, it was around TonyBlair time, wasn't it Around 98,
99?
I don't know.
I won't be speaking about it.
Speaker 1 (11:21):
I mean that's going one way back.
For me, that's it yeah.
Speaker 2 (11:24):
But when the cost of things is higher than the money
that you've got, your optionthen is go right, okay, well,
I'm going to have to borrow,whether that's credit card debt,
whether that's a short-termloan, whether that's a long-term
loan, yeah.
But then it becomes habitcoffee, and it becomes things
(11:44):
you want.
Speaker 3 (11:45):
Yeah, and it's dangerous it's so easy to do.
Now I've got.
I've got this big thing aboutwhen I was growing up 18, 19
going to par, the pars bubs puff, getting out bars and pubs
sounds like he's been to a partonight.
Yeah, exactly 18 and 19 now, weused to write how much money
have I got?
I can afford 80 quid.
(12:05):
Tonight I'm going to take 80quid in cash and you go and once
that you know right, 20 quidsin a separate part of your
wallet, blah, blah, blah.
Now the kids cause it's allcash I was going to say you're
good.
Speaker 1 (12:15):
I used to go out and absolutely.
Speaker 3 (12:19):
You tap, you tap, and then you've had a few drinks
and you're oh, I'll buy a roundof shots, boys, 30 quid, 40 quid
.
You wake up in the morning andyou're done.
You've done your money becauseyou're incoherent, because
you're drunk and all yourmoney's gone.
And it's like this whole justtapping on a card.
It's not real money, is it?
Speaker 2 (12:38):
It doesn't feel real.
I must admit, that was me onSaturday, that was me on.
Speaker 1 (12:42):
Saturday yeah me too.
Speaker 2 (12:44):
I had my budget for what I was going to spend at the
boozer, but before you know itI stuck 30 quid in the pot for a
sweepstake.
Who did I pull out I can'tremember Someone toilet oh,
harland, that's who I pulled out, toilet Anyway.
So wasted all that.
And then the drinks bill camein and I looked at it and I
thought, right, I've got enoughto cover that.
I'm going to take it out ofthat.
And it became a different thing.
(13:05):
And then you start thinkingwell, that's it, I'll just put
it on that card for the rest ofthe night.
It's only when you wake up inthe morning, even if you check
Most of the time.
I never used to check, yeah.
Speaker 3 (13:15):
And I think this whole tapping, tap, tap, tap
mentality in the cashlesssociety is is a big reason why
no one's got any savings.
Because it's nice to feel andsee cash, isn't it?
You used to have it in yourdrawer, in your bedside table or
something, and you've got a bitof cash there.
And the kids as well.
I think I much prefer giving mydaughter cash.
She's 11 now.
(13:36):
She goes to dance on a Saturday.
We drop her into town, she goesto Claire's and does her things,
and she prefers cash becauseshe can feel it and touch it.
She knows what's left, whereaswhen she's relaxed, oh yeah,
well, just tap that, I'll justtap that, just tap that, and
she's like oh, it's all gone.
You look at, then you log intothe app oh God, how much have I
actually spent?
(13:56):
Yeah, and I think that's aseries of things to come, with
the younger generation growingup, that cash is no longer a
thing.
So you don't touch real money.
You see it in your bank balance, but you don't actually get to
touch it and feel it Interesting.
We were taught.
Speaker 2 (14:13):
If you want to buy something, save up for it, yeah,
now.
Speaker 1 (14:17):
That's exactly how I live my life.
Yeah, I live like that everyday.
If I can't afford to buysomething else, I don't buy it.
Good for you, and I do havesavings, yeah yeah, you know, I
see it around me all the timeFamily members, friends,
children, like everything.
They all just spunk everythingthey've got because it comes
(14:38):
down to this champagne,lifestyle, lemonade budget.
You know, and my big main blamefor it is is covid, because
since covid, everything's goneup in price by an absolute
shitload and no prices have comedown.
If they have, they've come downby nowhere near what they
should have done.
So everyone's having to paymore money for everything, even
though it shouldn't cost more.
(14:58):
Like you're probably payingmore for your goods, it probably
you don't have to pay for them.
Your suppliers are probablyprobably still charging you much
more.
Speaker 2 (15:04):
Yeah, yeah, well, yeah, exactly.
It happened the same time COVIDand Brexit.
Yeah, exactly yeah.
Speaker 1 (15:09):
But also, you know, I know we're on social media, but
social media has got one big,big answer thing to answer to,
because I've seen it personally.
Well, got themselves in loadsof debt because they wanted to
live the lifestyle that they sawon social media.
They were Blunt's Yaga trainers, they were buying five
600-pound jumpers and they wereearning 400 pounds a week, you
(15:32):
know, and they racked themselvesup.
I think it was about 16 grand'sworth of debt within about six
months.
And that person was 20, I think23, 24.
And the age group is the agegroup that are now.
That was a while ago, so he'snearly 30 now, and then they're
all doing it because they're allseeing it on social media.
(15:53):
It is just like everyone'sgetting blindsided by what they
think they should have in liferather than what actually you do
need and what chance have anyof them got of getting their own
house Exactly.
Speaker 3 (16:03):
Or getting out of the shit they get themselves
gambling as well.
Speaker 1 (16:06):
Gambling's a big thing.
Everyone's.
It's so easy, like everywhereyou look now there's a fucking
gambling site.
Football's on t-shirts,football it's on all the
hoardings you go down the road.
It's on the side of thebillboards and the bus stops.
It's in every single magazine.
Every time you there'sadvertisement for gambling.
Come in, deposit £10, we'llgive you £50 worth of free bits.
You earn £50 out of them, freebits.
(16:27):
You think I've only spent atenner.
I've had a right touch.
Just put another £30 in myaccount quickly.
It becomes this big repetitionof gambling and then you're
borrowing from Peter to pay Pauland the whole world.
The whole world is just set upfor everybody to completely
shaft themselves financially off.
Speaker 2 (16:43):
And pay the establishment.
Speaker 3 (16:44):
Yeah, yeah, think about how much interest.
Oh disgusting, Do you know whatI mean.
You pay the like.
I've got a couple of creditcards.
One of them, the interest islike 60 odd quid a month on it
and that's like, oh yeah, it'sall right, it's only 60 quid a
month, but when you look at thatit's £600 a year.
Speaker 2 (17:02):
Yeah, exactly now I'm getting credit card for yeah,
and that's it, and you're notpaying off the actual and you're
not paying off the credit.
Speaker 3 (17:07):
Yeah obviously I'm a bit more sensible than I used to
be, so I'll pay a thousand offhere and there and get it down
and sort of sit in the middlewith it, but then I'll use it
because I'll need it.
And that's the problem.
I'm using it because I need it.
I'm not using a credit cardbecause I get the air miles
where a lot of people that aresavvy, they'll use a credit card
American express to get the airmiles and they're put off and
(17:28):
then pay it off at the end ofthe month.
I put the shopping on it.
Speaker 2 (17:31):
That's what I'm trying to teach my kids at the
moment is there's such a thingas good debt.
There's such a thing as gooddebt and if, if you want savings
, maybe invest them and stufflike that.
So some of Some of thosesavings might be going into
investments, but still it isbrutal.
There's no education for thesekids to know better either.
Like you said, exactly like yousaid, in the olden days you'd
(17:52):
take out cash and that was yourbudget, that was your thing.
I used to take out cash.
I didn't take a card, and if Iran out of cash I would walk
home rather than get in the bus.
You know what I mean.
But then cards came along andagain I'm like Harry Potter
learning a new spell.
I go woo-hoo, look at all thismoney I've got on this card Kids
.
The education hasn't evolved thesame way that money has.
Speaker 1 (18:10):
Yeah, it hasn't evolved at all, really has it.
The education hasn't evolved atall.
That's another podcast.
On next week's podcast.
That is another podcast.
Speaker 2 (18:17):
Totally, I've heard it.
Speaker 3 (18:18):
I saw something the other day and they were saying I
can't remember who it was hewas saying it's really the first
time ever in history thateducation has been a complete
waste of time.
They should be teaching themout.
Like I said to you earlier,there is predictions that a
one-man business can turn over abillion pound a year using AI.
One person can run abillion-dollar business because
(18:40):
of AI and how it's done.
Kids should be taught thisstuff.
Speaker 2 (18:43):
They should but they're taught not to use AI
because that could be cheating.
Yeah yeah, they're too scaredof it.
Speaker 3 (18:49):
Yeah yeah amazing, yeah, but I think the education
is another podcast episode.
It could be quite good to beginto yeah.
Speaker 2 (18:58):
I like it Again because it's the next generation
coming through who are beinglet down.
Speaker 3 (19:04):
Yeah.
Speaker 2 (19:05):
Because they can't afford anything no.
And it's mum and dad.
And again, this is one of thereasons why we, as parents,
we're not getting to live thelife that our parents lived,
because we're the bank of mumand dad for a much longer period
of time.
Speaker 3 (19:20):
Well, I saw something the other day.
I think it said 55% offirst-time buyers last year
buying houses only could do itbecause of the bank of mum and
dad.
I think it was 55% offirst-time buyers in the last
year.
Speaker 1 (19:36):
Funny how the bank of mum and dad's drawing up now
and they're giving 100%mortgages again, aren't?
Speaker 2 (19:40):
they yeah, yeah, yeah that would have been nice 15
years ago.
Speaker 3 (19:43):
But this is a good one.
Talking about savings, what doyou both class as savings?
Speaker 1 (19:51):
Tenner, I think to class yourself as having proper
savings, you've got to be ableto pay your mortgage for at
least a year.
You reckon a year, yeah.
Because otherwise I think, theway it is now, I don't think you
can pull yourself out of a holeif you dig yourself into one,
so I think you've definitely gotto have enough money in there
to survive.
Speaker 2 (20:10):
Three things go in shit that you can cover in a
month.
Speaker 1 (20:15):
At the moment.
Speaker 2 (20:15):
The dog's got something in his eye that's a
vet bill.
We've had to declare a caroff-road.
It's only our little runaround,and in the summertime we barely
use it anyway.
So rather than pay the 300 quidto do the MOT, let's just get
it off-road and we'll cover itlater.
Yeah, things like that, theloft extension that we could
(20:35):
carry on topping up.
If we had savings, we couldcover those things off.
Yeah, but we don't.
The business is going great,but everything gets reinvested.
We're still living the same waynow as we were two years ago,
really.
So yeah, I would say, becausethat's what savings are for.
They're for a rainy day, aren't?
Speaker 1 (20:51):
they, like you said, to cover you.
Speaker 2 (20:54):
But when a rainy day happens and you've maxed out,
your credit cards suck it up.
You've only got one car.
You know what?
Speaker 3 (20:59):
I mean, that's it and I would class it.
I would say I'd be comfortableif I could live the life I'm
living now for three monthswithout having to worry about it
.
That's what I would class as areasonable.
Your idea is better.
I'd much rather have a year'sworth of money in the bank, but
if I could have three months,because you never know when your
boiler's going to break down,no, and it's irreparable, and
(21:22):
that's 1,800 quid.
Two and a half grand.
Speaker 2 (21:24):
Yeah, what we're finding out is that he's much
more risk averse with his moneythan me and you are.
Speaker 3 (21:27):
Yeah, good for you.
Speaker 2 (21:28):
Yeah.
It's a nice thing, but he's gotburns on his face from lighting
flares.
Speaker 1 (21:32):
Yeah, I mean, I wasn't on Saturday.
Speaker 3 (21:39):
There you go.
I think it's interesting aswhat?
Because I wonder what in thatarticle they classed as savings.
Speaker 1 (21:44):
Yeah, I mean that might be like fucking 250 grand
or something.
Speaker 2 (21:47):
No over a thousand it was over a thousand.
Speaker 1 (21:49):
Of course it was yeah , yeah, yeah, but that's not
savings in today.
Speaker 3 (21:52):
No, Do you know what I mean With today's prices?
With a family of five, that'ssix weeks worth of food shopping
.
A thousand pound, isn't it, Gen?
Speaker 1 (22:00):
Genuinely covers about 60% of my mortgage.
Do you want to take my missusshopping with you, because my
missus spends near on that in aweek?
Well, no, but that's what I'msaying.
Speaker 3 (22:06):
There's only three of us.
That's what I'm saying.
Speaker 1 (22:07):
One of them's only about two foot tall.
Speaker 3 (22:11):
If you're conservative, you can buy pasta,
and eggs and literally live off.
The same thing I'll tell youwhat.
Speaker 2 (22:18):
At the last Des Hamilton Roadshow, one of the
business owners there who builta software thing.
He basically quit his job, wentfull-time running a business
from scratch and I said, well,how did you get by?
And he went.
Me and my girlfriend sat downand went right, what is the
cheapest we can live for and howlong are we willing to live for
it?
He went.
So we lived on pesto and pastafor about six months until we
(22:42):
got the business off the ground.
I'm like mate, that isdiscipline, isn't it?
I love a bit of pesto and pasta.
It's part of my heart.
I can be out every day for sixmonths.
Speaker 3 (22:50):
A bit of mozzarella and basil in there.
Speaker 2 (22:52):
I'll be there on Saturday.
Fancy a curry.
No, eat your pesto.
Speaker 3 (22:57):
It's hard to be disciplined with money, though,
I think, especially in today'sworld.
I think I work every single day.
I work really, really hard.
I'm going to treat myself, andyou do, and then that's the way
I live.
Everybody's different withmoney.
They have different values ofmoney.
The way I see it is, you can'ttake it with you, so I don't
think I'll ever be Like myparents, my parents oh, we're
(23:19):
worried about your inheritance.
I said you've worked for it,spend it.
That's it.
That's what I've done.
You've worked for it, spend it,spend it.
Go and enjoy.
Speaker 1 (23:24):
They've moved to Spain that's exactly what I say
to my Mrs and Mum and Dad.
Speaker 2 (23:28):
To be fair, it's right, though, isn't it?
We don't want you working yourwhole life and then giving it to
us.
Yeah, let us work for our money.
You enjoy yours, yeah, yeahthat's it.
Speaker 1 (23:40):
That's why I've got life insurance, so I can leave
some money behind.
But I used to be exactly thesame Until I had my little boy.
Then we became a one householdincome.
Then that's when my mindchanged.
I used to go out on a Fridaynight and spunk all my wages up
the wall in booze, and thatbecause I didn't really have any
responsibilities.
Yes, I've got, obviously,children from my previous
relationship, but they didn'tlive with me and they lived with
(24:02):
mum and paid maintenance andeverything, but always used to
just any money that I had spareused to get wasted.
Until 18 months ago, I didn'thave any savings at all.
If my car broke down, I waswalking.
Yeah, you know I'd have to gooff my arse off to get the money
back.
But yeah, I just literally justovernight.
I just decided well, hang on, Ican't keep wasting money
(24:22):
because we need it and and it'sjust completely transformed my
mindset on on whether or not towaste it.
Speaker 2 (24:29):
Yeah, it was a rich dad, poor dad, reading that book
, maybe think about money in acompletely different way.
And now, yeah, I'll refuse tohave any life where I don't live
the life I want and I'll get totake care of the kids.
Speaker 3 (24:42):
You know what I mean.
Why not have?
Speaker 2 (24:43):
both.
Speaker 3 (24:45):
And a lot of people would say oh yeah, but if
money's a struggle, focus yourenergy on where you can cut back
, whereas I put that on the flipside.
If money's tight, what can youdo to make more?
Instead of trying to gobackwards, try and go forwards.
Obviously, sometimes if yourmissus has got a subscription
(25:06):
for £100 worth of flowers to bedelivered every week, then
that's not a necessity is it yougot Claire them flowers in?
Speaker 2 (25:11):
didn't you?
In the end, £102.
Speaker 3 (25:14):
But do you know what I'm saying?
I brought that up as a thingbecause you were talking about
it the other day.
It comes to my head, he wasonly talking about £20.
Jesus Christ, edit that Clairedon't listen to that £102 a day
on flowers, jesus Christ, thisagency must be doing well.
No, but do you know what I mean?
There's certain things whereas,especially in business, if
things are tight, I think youneed to re-evaluate, like, what
(25:38):
can you do to make more?
Yes, not cut back.
It's like what they say whenthings are tough.
You need to invest more inadvertising, but don't waste it.
Speaker 2 (25:46):
Yeah, there's things I resent paying money for.
Speaker 3 (25:49):
I resent paying money for Like taxes, yeah, council
tax Usually car repairs.
Speaker 2 (25:54):
Oh, come on, I bought the car to work.
What do you mean?
It don't work, yeah, and debtis another one.
I've, like, worked hard.
If I won five grand tomorrow,there's no way I'd stick all
five grand into the debt thatI've accrued.
I know I should, but I won'tbecause I want to enjoy that.
And that is money wasted.
It's not money wasted, it'smoney I resent paying, yeah,
yeah.
So yeah, that's it for me.
(26:15):
Make more money, pay it all offwhere you don't notice, I think
, because we are being squeezedso hard.
Speaker 1 (26:20):
I think that's what everyone's mentality kind of is,
though, isn't it Like if I getmoney, I'm going to enjoy it,
because fucking everything Iearn gets squeezed the life out
of anyway, and I end up payingabout 495% taxed on every pound
I pay, yeah.
So then when you do get money,you just think well, yeah.
Speaker 2 (26:37):
We need a treat.
Yeah, deserve a treat.
Yeah, we need a treat, yeahDeserve a treat.
Speaker 3 (26:41):
Yeah, yeah, we deserve a treat.
We work hard.
Why can we not spend it?
And that's, I guess that's adangerous mindset.
Yeah, but where'd you go?
Where'd you turn?
Where'd?
Speaker 2 (26:53):
you turn, what do you do?
And you only live once.
Speaker 3 (26:55):
Yeah.
Speaker 2 (26:57):
And when you die, your debt dies with you?
Speaker 1 (26:58):
yeah well, it doesn't know, does it go to your missus
or your?
Oh, I'm dead, mate.
I'm with my missus, right?
So you've gone from spending£100 a month on flowers to
leaving that £100 debt a monthto Claire brilliant but the same
thing.
Speaker 2 (27:12):
I've got life insurance, haven't you?
Speaker 3 (27:13):
we're covered, yeah yeah, yeah, I think life
insurance is quite important.
I mean mine's astronomicallyexpensive, but if I was to get
it by a bus tomorrow, every onethat I leave behind would be
fucking cushy yeah don't talk tome about expensive.
Speaker 2 (27:25):
I've got half a bowel , for God's sake.
Speaker 1 (27:27):
My premium's a fruit of the room I'm so glad that I
sorted mine out years and yearsago.
I've had mine since I was about20, probably yeah, Otherwise
mine would be about £450 a monthnow.
Speaker 2 (27:39):
Yeah, I've heard about the life you were living
when you were 20, mate, I don'tblame you.
Speaker 1 (27:41):
Yeah.
Speaker 2 (27:42):
Sounds like a wise investment.
Yeah, that's why he's lettingout flares in Covent Garden.
Look at that, I've got lifeinsurance.
Speaker 1 (27:52):
I wonder if that covers.
You actually Must look intothat.
Speaker 3 (27:57):
Yeah, no.
It's amazing what they do anddon't cover.
If you're buying life insurance, make sure you check the small
print and don't go to thatcompany on
comparethelifeinsurancecomthat's offering it to you for
£3.99 a month.
Speaker 1 (28:09):
Chances are they don't cover anything, but then
you won't know because you'd bedead.
So it doesn't really matter.
Speaker 3 (28:14):
Well, yeah, that's it .
Speaker 2 (28:16):
No, that's exactly right.
What was really interestingabout this article were the
comments.
The BBC don't often leave thecomments open on their art of
things, but we had over 2,000comments on there.
But we got seriously.
What do we expect?
Wages never keep up withinflation.
Interest rates the publicreceives on its savings is
always below base rates.
Speaker 1 (28:34):
That's true, it's not worth saving, is it?
Speaker 2 (28:36):
No, I know lots of people that do have savings,
that stick it straight intopremium bonds, even though that
is probably longer odds than thelottery.
Yeah, yeah, it's ridiculous.
Things will always get moreexpensive and people will get
poorer until we have a seriousdiscussion about how the
financial system operates andwhether certain institutions
like banks should be allowed tomake profit.
The game is rigged.
Speaker 1 (28:59):
The only people that are reading those comments are
people like us.
Speaker 3 (29:02):
Yeah.
Speaker 1 (29:02):
It's not the people that do anything about it, is it
?
Speaker 3 (29:05):
the thing is as well.
If you look at a mortgage, it'sscary.
You buy a £300,000 house andyou take out a mortgage for,
let's say, you take out amortgage for £300,000 on today's
exchange rate, over 30 yearsyou're actually paying £580,000
for that house and it's justlike whoa.
But if you can narrow that downto 20 years, it makes a huge
(29:27):
difference and that's the kindof stuff they should be teaching
in schools apr and how itcompounds over time.
Speaker 2 (29:33):
Yeah, mate, I quit my job and I think it was a month
after that our remortgage camein and it went up to 1800 pound
a month.
Speaker 1 (29:39):
Yeah, and I'm thinking jesus christ, yeah just
quit my job here about twoyears ago wasn't it no, a year
ago I was, yeah, I was exactlythe same thing about another six
months left I think, before wecan start the talks again.
Speaker 2 (29:52):
But even then you're thinking bloody hell, nearly two
grand a month on the samemortgage that we've had for six
years, and it's just, it'sbrutal.
And then the council tax goesup and everything's going up.
So we were meant to have thislife go right.
We quit our job, we got thisfreedom.
Should we go for coffee?
No, just put the kettle on.
(30:13):
All right, you know, I mean,it's one of them oh, it's a
brutal thing, isn't it?
Speaker 3 (30:17):
and I think it's tough, like, obviously we're
talking about savings and peoplenot having savings.
I bet you that the people thathad savings five years ago don't
have that anymore.
I would love to know an actualstatistic of who is living hand
to mouth every single month.
Speaker 2 (30:34):
I think the number would be scary.
Speaker 1 (30:35):
I was going to say I don't know, I'd want to know.
Speaker 2 (30:36):
To be fair, Especially under 40 years old.
Speaker 3 (30:39):
Yeah yeah, it's mad especially under 40 years old.
Yeah, yeah, it's um, it's mad.
I'd love to have savings, butthen, oh, it takes you so long
to build it.
I think the thing is, once yousee it building, oh, we'll put
more in there that is thedifference.
Speaker 1 (30:55):
That is the difference once you start, once
you never add savings, then allof a sudden you start getting
them.
It becomes a comfortable feelingthat you like yeah oh, I don't
want to spend that, I want toput more in there.
And then you start getting moresavings in there and then you
get that comfortable, like Idon't, I'm not.
I'm sitting here saying I'vegot hundreds of thousands of
pounds because I haven't, but Ifeel much more comfortable, like
(31:18):
comfortable and like I gave.
I quit my business, I mean likefour weeks ago.
I could never have done that ifI hadn't saved all the money
that I and I've been lucky.
I've only got that savingsbecause I've had two jobs, yeah,
and I've been running mybusiness and tiktok.
So all of my tiktok money hasgone into a savings well,
another business account.
So I suppose it's not savings,it's the business money.
But yeah, that's two jobs youknow it's two jobs, so I've just
been able to save one of thosejobs money.
(31:39):
Now I've obviously got one job.
Hopefully that money is goingto stay the same and I can top
up every month and use thatmoney.
But yeah, it does become mucheasier once you start seeing
your bank balance slightlyincrease, because you do get
that thirst for that safetybubble to stay there, really, no
, it's true.
Speaker 2 (31:58):
I mean, I've triggered a memory of a
conversation I used to have withmy mate about firefighters.
And we used to talk aboutfirefighters and my mate would
look down on them and go, yeah,but they're lucky, aren't they?
They've got two jobs.
They can earn a bit more.
That's not luck.
Who goes into this?
Speaker 1 (32:15):
going.
Oh lucky you, you've got twojobs.
Speaker 2 (32:17):
Jesus, maybe the firefighters service was
actually actually ravaged andthey got no choice but to have
two jobs where they should beresting.
Speaker 3 (32:24):
It's nuts, I know someone that's just gone and
they're doing enough to keep thewolves at bay, both working
full-time jobs, him and hispartner.
And I spoke to his daughter theother day oh, where's your dad?
Oh, he's at Tesco's.
I was like what?
No, he works there.
I was like what?
No, he works there.
I was like why?
He said because he wants to beable to buy us a holiday.
(32:44):
So he's having to work eveningshifts at Tesco.
So he does seven till about4.30, comes home, has some
dinner and then does six tillmidnight, five days a week to
try and earn a little bit moremoney so he can take the family
on holiday and it is a littlebit more money because he gets
double taxed.
Speaker 2 (33:02):
Yeah, I was going to say, yeah, do you know what I
mean.
Speaker 3 (33:06):
But that's the world we're getting.
Like you had to do a second jobbecause your job wasn't paying,
you wouldn't have the savings,like you just said, without the
second job?
No, and there's me thinking I'mrunning a business, I'm working
what?
12 minimum hours a day and I'mthinking to myself oh, maybe I
need to go and get another jobin the evenings.
I've got more time in theevenings to go, and that's just
(33:29):
the sad state of affairs that wefind ourselves in.
Speaker 2 (33:33):
I've got a TikTok shop agency if you're interested
, mate.
Speaker 3 (33:35):
Well, I've already said to you, I'll do TikTok,
I'll do some TikTok stuff, ifyou want me to.
Speaker 2 (33:39):
But that's the funny thing, though.
So I've been running thesecommunities since late 2022 for
people that need a bit moremoney.
That's been my whole gambit forpeople.
I'm not going to earn youthousands, but I can help you
earn hundreds, which will makeyour bills easier, and we've got
so many people, initially in myFacebook group and now in what
was the school, and now in theDiscord, where this is their
(33:59):
third job, so they've got theirfull-time job.
Then they'll work in a bar andin their spare time, they do a
couple of hours on TikTok orAmazon FBA.
Speaker 1 (34:07):
Yeah, how did it get that bad, yeah.
Speaker 2 (34:11):
And then they've got a family.
Speaker 3 (34:15):
We're living to work.
We're not working to live.
We're literally working everyhour under the sun just to keep
the lights on.
Speaker 1 (34:23):
God, this is getting depressing, this one.
Speaker 3 (34:25):
Oh yeah, it is mate, I don't mean it to be depressing
.
Speaker 1 (34:28):
No, it is, though, isn't it?
It's a fucking sad, sad stateof affairs.
Why do you think so many peopleare moving abroad?
Speaker 3 (34:34):
Yeah, and it's not just for the sunshine that we
spoke about the other week, isit?
Speaker 1 (34:38):
It's because they're just getting absolutely shafted
living here?
Speaker 3 (34:41):
My mum messaged me the other day.
She said we've just been for alovely lunch on the beach Three
courses, two large coffees, twobeers and a large glass of wine
28 euros.
So what did you have?
She said at the start it waslike meats and cheese, then for
main chicken, chips and salad,and then dessert was some
Spanish dessert lead dessert.
Speaker 1 (35:03):
No, that's French.
Speaker 3 (35:04):
I'm like, do you know what?
I've just been in a petrolstation and bought two meal
deals for the kids.
It was £18.50, do you know?
Speaker 1 (35:10):
what I mean.
This is it, mate.
You cannot buy anything in thiscountry anymore that you feel
like is good value nothing, no,it is you should buy a football
shirt at the end of the season.
They go half price, orsomething.
Speaker 3 (35:21):
What is a football shirt now?
Speaker 1 (35:23):
60 fucking quid.
Speaker 2 (35:24):
It's in the new Arsenal one 60 quid.
The new Arsenal one 85.
Is it really?
And they bought four of themout.
Speaker 3 (35:30):
Jesus Christ.
Speaker 1 (35:31):
They still don't win nothing.
Speaker 3 (35:35):
But without being all doom and gloom.
I can say that now, withoutbeing all doom and gloom, try
and pick it up a bit.
There are things that you cando.
There are things that you cando Buy fake football shirts from
Turkey and sell them, yeah.
Speaker 2 (35:51):
Or go and buy some duty-free fags and sell them if
you make money doing that that'snot the right way to do things
Sorry.
Speaker 3 (35:56):
No, but do you know what I mean?
I think the first part isactually sitting back and being
like oh shit, I'm one of thesepeople that are in the less than
10% who don't have any savings.
That's quite important.
What can we do?
What can we do to do that?
What would it look like?
How would our life look if wehad 10 grand in a bank for a
rainy day, or we could book thatholiday or stuff?
(36:17):
What can we do now to make thata thing in the future?
And I think it's having theconversation, isn't it?
It is.
Speaker 2 (36:24):
Stop competing.
Yeah, stop competing.
Stop being suckered in bysocial media lifestyles.
And that is easier said thandone.
My God, that's easier said thandone.
There's a guy I follow.
He's brilliant.
He's only been doing this fortwo weeks.
He's basically took a pictureof his garden and asked chat GPT
to do a better version and thendecided to copy it without
(36:44):
having any experience.
Rank Scottish accent swearslike a trooper.
I got no fucking experience inmaking a garden.
Speaker 1 (36:57):
But he's Scottish.
Speaker 2 (36:57):
Sorry for anyone Scottish listening, scottish
listening, but uh, he's alreadybuilt up something like 250 000
followers on instagram, 80 000followers on tiktok, because
he's brilliant he's been himselfand someone's gone.
How come you're still rotating?
It's like six days in.
He's like, because I workfull-time, mate, I'm doing this
like an hour a day and editing.
Don't be thinking, I'm justlike winging this.
(37:19):
This is really hard work.
Yeah, people just don't know,they don't put the concept
behind the fact that he'sprobably sitting on his sofa at
1 o'clock in the morning in catcut editing a post-it after
working in the garden for acouple of hours After working in
the garden?
Speaker 3 (37:32):
yeah, they don't get it it's hard to do it as well,
and it's hard to keep theconsistency.
That's the thing as well.
Speaker 2 (37:39):
It is my people see content and they just swipe,
swipe, swipe, not realizing theeffort that's gone in behind
every single post that gets made.
Speaker 1 (37:45):
Yeah, yes, yes, if you're sitting on your phone one
day and a video comes up andyou feel like being an horrible
bastard of a troll.
Speaker 3 (37:51):
Yeah, think twice yeah yeah, yeah, that is a
different podcast, but it's,yeah, it's.
It's hard, it is difficult toelevate yourself to the next
level, but I think the firstit's the same with everything.
It's having the understandingthat okay, yeah, that might that
might be a problem.
(38:11):
Maybe I do need to stopordering, stop putting stuff on.
Buy now, pay now.
Try and clear the credit cardsdown 50 of the way before you go
further.
Take chris's mentality if Ican't afford it today, then I
don't buy it yeah, I've got apiece of paper on my computer.
Speaker 2 (38:29):
So when I'm working on my computer I've got like a
thing there and it says ifyou're not changing, you're
choosing, and it relates to this.
So if you're in this situationand you've got no situation and
you've got no savings and you'vegot no extra income coming in
and you're still churningthrough the day job, how do you
see this ending?
How do you see put yourself ina year down the line?
How are you better off a yeardown the line if you're just
(38:50):
carrying on doing the same thingBecause you're choosing that
lifestyle?
At that point Nobody's comingto help you.
You've got yourself into thissituation for whatever reason.
That's probably not your fault,yeah, but it's got to be you
that gets yourself out of it.
So you need to change, whetherthat's working harder in your
job, getting a second job,trying a side hustle, doing more
, shifting sideways, beingcreative, whatever it is.
(39:12):
If you're not changing, you'rechoosing that life.
Yeah, and in a year's time,where things are worse, you've
got to look at yourself andthink shit.
Speaker 1 (39:21):
I'm glad you explained that, actually,
because I saw that sign on yourdesk weeks and weeks and weeks
ago and I wondered why you hadit there.
But now it makes sense.
I couldn't work it out.
I was trying to figure it outin my head.
What the fuck does that evenmean?
Yeah, and now you've actuallyput it.
Do you want a fatter copy?
I've got one.
It does, though.
It does until and this is thething until someone says
(39:44):
something like you don't reallyunderstand what it means.
But that does make total sense,yeah, total sense.
You are choosing to be the waythat you are.
Speaker 2 (39:54):
Specifically for me.
I'm still choosing to be a fatbastard.
Speaker 1 (39:56):
Yeah Well, I'm choosing to get fatter.
Speaker 2 (40:00):
But it is though, isn't it?
Yeah, everything in life.
You've said it perfectly in apost you did once yeah,
everything in life is meant togrow.
Everything in life, yeah, andthat includes us as humans, and
if we're not growing, we're fatyou need to water it.
Speaker 3 (40:14):
Everything needs certain ingredients to grow.
Whatever it is, it needs acertain amount of sunlight, a
certain is.
It needs a certain amount ofsunlight, a certain amount of
water, a certain amount of this,a certain amount of that, and
we've got to grow.
And that comes from the insideout.
And whether that's yourfinances Like I'm shit with
money, I would love to bebrilliant with money I'll put my
(40:37):
hands up and say I'm terriblewith money.
I don't have £1,000 savingsMore.
The other way, I'm £1,000overdrawn.
But the last sort of six monthsI've realised that Obviously,
I've put everything I possiblycan into starting a business and
I'm hoping that with hard work,determination and consistency,
in another six months' time Ican pay myself back the
(40:58):
investment I put in that.
Then that's my savings back.
Speaker 2 (41:00):
That's it, mate.
So you're making a consciouseffort to choose to change.
Yeah, see what I mean?
So if you were in my community,I would say to you you've given
yourself a label as being I'mash on shit with money.
Get rid of that, exactly.
And it sounds like you are.
Yeah, so that's good man.
Speaker 3 (41:15):
Yeah, that's it, and I think a lot of it comes from
the inside.
Like I've done this.
I don't know if I told you um,someone asked me a question the
other day what's your internalfear?
And I was like don't have one.
And then we went through likean hour conversation and we went
through this.
He's like okay.
And then I put the same prompt.
We got some things.
I put something into chat gptbased on everything I said.
(41:36):
He said you've got an internalfear of not being yourself
because you're scared of peoplerejecting you, not being liked,
et cetera.
You've got to get rid of that.
So now I'm working with ChatGPTas a life coach over 90 days to
do little things every day, tobecome more thing.
It's quite powerful, thoughDon't you fucking sit there
(41:58):
laughing?
You don't fucking use it.
Speaker 1 (42:00):
I've got a real issue with chat TV.
I've just started using it.
I mean, I can't understand whypeople don't use it, but I just
can't.
I can't get people talking toit like it's a fucking human,
because it's not, it's acomputer.
It's not, and when you say itout loud it sounds fucking
(42:21):
bizarre.
I'm sorry, I don't mean.
Well, I did mean.
I did mean to laugh because Ifind it quite funny, but yeah, I
just I don't get it.
I don't get it.
I mean, I call mine knobhead,that's my undername.
You got you giving yours aproper name, haven't you?
Speaker 2 (42:33):
I call mine slave yeah.
Speaker 3 (42:35):
Yeah, he'll know if I do.
No, but like it does go prettydeep, yeah it does.
And you can't take everythingthat ChatGPT says.
You've got to double-check it,you've got to.
But when you put all these sortof deep questions in it and
you've been using it for 18months and it learns how you
write and you read and et cetera, like I started using it for
(42:57):
like I had a journal and I waswriting in every day and it was
I forget to do it, and so so Idecided to put a folder on chat
GPT this is my daily journal andit sort of, and then after the
week you can say summarize myweek and it will summarize your
week without you having to readback through the pages.
And it's fucking brilliant forit.
And there are life coaches outthere.
(43:18):
I'm going to use that one,though.
There are life coaches outthere that are worried that,
like all these life coaches thathave done a three-day course
and stuff, they're now beingblown out of the water because
someone can do exactly the sameon ChatGPT.
Speaker 2 (43:32):
Mate, they're not the only job that are shitting
themselves because of ChatGPT.
Let me tell you.
Speaker 3 (43:35):
Yeah, but quite right , they should be.
Speaker 1 (43:37):
Yeah, quite right, they should be.
Speaker 3 (43:38):
You can't embrace it.
Speaker 2 (43:39):
Because you can explain your deepest, darkest
fears to a computer that youwouldn't do to a person, even if
they are alive.
Speaker 1 (43:44):
Don't forget, somebody might be the other end
of those listening to thosedarkest, deepest fears.
That's the issue.
Speaker 3 (43:49):
I'm worried about.
Well, this is it.
It is a massive thing.
Oh, remember my card detailsand my free number, and password
on the back.
Speaker 1 (43:53):
It's not really a robot.
Speaker 2 (43:59):
It's a group of people up in Crawley.
Speaker 1 (44:01):
Yeah, exactly.
Speaker 2 (44:01):
Yeah.
Speaker 3 (44:03):
Yeah, I need a bank account.
I just used mine forremembering websites.
Speaker 1 (44:07):
I used it this morning, didn't I?
I've got such a bad memoryRight.
Can you do me a favour?
Remember this website and then,when I ask for it, tell me it?
That's, that's brilliant right,we digress.
Speaker 3 (44:17):
Yeah, that's another episode, though.
Let's talk about AI.
Yeah, we'll do AI.
I like that.
I tell you what.
Let's do AI next week?
Speaker 2 (44:23):
yeah, because that is a good point to leave it yeah.
Speaker 3 (44:26):
I enjoyed that.
Boys, that was good.
Yeah, it was good.
Went off a few woo over thereand here, but I think it was
good usually does though,doesn't it yeah, right, I've
been Des, that's been Chris andthat's been Ash oh dear, see you
(44:46):
next week.
Cheers, all cheers guys likecomment share, give us your
feedback.
If you want to call us out,then do it.
We're all here for it.
It's just again.
It's the rich get richer andthe poor get poorer.
Speaker 2 (00:06):
I saw an article on the BBC News website One in ten
have no savings.
I reckon it's more than thatExactly.
Speaker 3 (00:14):
They're so disconnected, I think.
What did they do?
Walk around London and ask 100people?
Speaker 2 (00:21):
The education hasn't evolved the same way that money
has Hasn't evolved.
Speaker 1 (00:24):
at all really has it.
Speaker 3 (00:26):
I would love to know an actual statistic of who is
living hand to mouth everysingle month.
The Untold Podcast is proudlysponsored by Aura Surfaces
specialists in luxury surfacesfor extraordinary spaces, Like
creating dream homes, building adream life takes work.
That's why we had to get behindthis podcast.
(00:48):
Real stories, real challengesand real success.
Let's get into it.
Speaker 2 (00:53):
Welcome back to the Untold Podcast.
Everybody, it's good to haveyou back.
I think we ruffled a fewfeathers last week, but it was
all out of love.
I promise you that.
Speaker 3 (01:00):
I think you ruffled a few feathers last week.
Speaker 2 (01:05):
I've been building this nice guy persona for the
last two years.
I think I smashed it to bitslast week.
Anyway, we've got Ash in theroom.
All right, peeps, and we've gotChris in the room.
Hello everybody.
Speaker 1 (01:15):
How was your weekend?
Probably the best weekend of mylife and I did get married at
the weekend as well.
Not this weekend either.
Yeah, it was.
It was my best day I've everhad in my life, entire 43 years
of my life Not going to lie,apart from the one that we had a
couple of weeks ago.
Well, yeah, I mean it was aclose call, but it definitely
went to the top, Definitely wentto the top.
Speaker 2 (01:38):
Go on, get it off your chest.
Anyone that doesn't know whatI'm.
Speaker 1 (01:41):
Crystal Palace obviously won the FA Cup on
Saturday for the first time ever, ever, first ever trophy, and
it was an unbelievable day outBeauty, wasn't it?
Yeah, scars to show up for itand everything.
Speaker 2 (01:53):
One of my earliest memories of the FA Cup was when
it was the Mark Bright, ianWright up front.
Who'd they play in the finalthat year?
Man United, was it?
Man United, yeah, mate.
That was one of my first evermemories of the FA Cup.
We all got together and we'vedone it every year, whether I
was a kid or as a grown-up.
Big old occasions, fa Cup.
Nothing better than the FA Cupday, mate Made up for you.
Speaker 1 (02:11):
It was awesome.
The best thing about it was Igot to spend the day with my son
and just the embrace at the end.
As soon as the 90-minutewhistle went, we both burst into
tears.
Just had a big cuddle.
You know two full grown menjust crying their eyes out and
you look around you andeverybody's crying, everyone's
hugging.
It was just unbelievable.
Unbelievable.
(02:32):
Still not over it, mate.
When it's done, right, youcan't be, for I can't wait till
Monday.
That's why I said I might notbe on the podcast next week
because I've got celebrations onMonday of the parade or
whatever they're going to do abit around South Croydon or East
Croydon.
Nice, how?
Speaker 2 (02:48):
about you, mate?
Did you go to the FA Cup final?
Speaker 3 (02:50):
No, I didn't go to the FA Cup final.
I spent my weekend at Paws inthe Park with the family and the
kids and about 45,000 milliondogs barking.
No, it was good, it was reallynice.
Nice little reset.
Nice, it was good, it wasreally nice.
Nice little reset, nice littlereset.
And then on Saturday I got abit of a nasty thing, but we
won't go there on today'spodcast.
But no, it was wicked Wicked.
(03:10):
Really good, really goodweekend.
It's a good little show.
We camped there, took thecaravan, got a bit of a suntan
tops on my feet, a burnt Rasinda.
But that's the joys of love.
Speaker 1 (03:20):
It drunk too much, ate too much and chilled a bit
too much how was your sleep,with 45 000 dogs all barking at
the same time to be?
Speaker 3 (03:27):
fair it was.
I didn't hear anything exactlylike literally next to us there
was 12 huskies and when theyfirst pulled up these huskies
were like howling, like kids andI was like, oh fuck, this is
gonna be torture, but it wasactually all right.
It was actually all right, Iknow yeah, good weekend, right,
I know yeah, Good weekend, Goodlittle reset.
Really I feel good.
(03:47):
I downloaded this app.
I kept seeing it on TikTokStress Watch for your Apple
Watch.
So I've got this app now and ittests your HRV levels and every
hour it says your stress isgood, you're manageable, your
HIV levels.
Yeah, that's exactly whateveryone says good, you're
manageable, your hiv levels.
Yeah, that's exactly whateveryone says and honestly, it's
(04:07):
fucking brilliant.
I feel myself getting stressedand then the app sends me a
notification you're gettingstressed, go for a walk or
something.
Speaker 2 (04:13):
It's mental, like just knowing obviously you know
it's like bruce banner's watch.
Speaker 1 (04:18):
Yeah, remember that in the 80s I'll be like forest
gum would be running around thewhole time, like for the country
.
Speaker 2 (04:23):
His watch would go beep and he'd turn into the Hulk
, but yeah, no, it's a reallygood app.
Speaker 3 (04:28):
Actually, it's a really good app.
It's a really good app.
It's not sponsoring thispodcast yet, so I'm not going to
mention what it is.
Yeah, but what about you, des?
What have you been up to?
Speaker 2 (04:38):
Mate, I went to TikTok headquarters on Wednesday
to be in this agency.
No one knew who we were and wegot a phone call saying the head
of TikTok shop has opened ameeting with who the effing hell
?
And they named our agency, theAffiliNation, or we weren't at
the time, but we are now and howcan we help them?
So we got a phone call sayingright, we want to learn more
about you.
Come up.
We went up there, mate.
(04:59):
They rolled out the red carpetcarpet.
We had a tour of the building,which was stunning, by the way,
I can imagine it was like 23degrees in london, in farrandon.
So we went up onto the rooftopand had a meeting on the rooftop
, overlooking, overlookinglondon.
Speaker 1 (05:12):
Stunning, mate, stunning I'll see the video.
To be fair, it looks like areally nice view and all it was
gorgeous.
Speaker 2 (05:17):
it was gorgeous.
And then came back, uh, theyasked us to run a webinar for
the entire TikTok creatornetwork, which we're doing this
week and we're going fromstrength to strength.
I thought I'd give you abusiness update rather than a
family one, because you two hadnice personal ones, so I thought
I'd give you a business update.
But, mate, no, we've had a hellof a week, a hell of a week,
(05:38):
it's been great.
Speaker 1 (05:39):
There was me thinking he was going to say I went to
the pub and watched the FA Cupfinal in Brighton of all places.
Speaker 2 (05:45):
I did.
I did that as well.
I wasn't on the rooftop.
Speaker 1 (05:49):
No, I don't think.
Speaker 2 (05:50):
Anyway, I might have been at some point, but I'll
tell you what else I did thisweek.
Let's get into the meeting.
I saw an article on the BBCNews website that said one in
ten have no savings.
Speaker 3 (06:04):
I reckon it's more than that.
Speaker 2 (06:06):
Exactly.
I looked at that and wentbullshit, and this is from the
financial regulator.
And then, in classic newspaperstyle because this is what I
tend to do I went looking,looking, looking and then later
on, probably about two-thirds ofthe way through the article,
there was also another 20%.
A further 20% have less than£1,000 in their bank, which
(06:30):
basically means you don't haveany savings, doesn't it?
Yeah, so that 1 in 10 becomes 3in 10.
Yeah, Now, if you're taking thenation as a whole, the older
generation, they've all gotbloody savings because their
outgoings are gone and they'vehad the things that they've been
working hard to achieve all oftheir life.
But the younger generation,never in a million years.
Speaker 3 (06:53):
This is a very interesting topic, because
there's several reasons for this, I think.
One is the fact that it'sreally hard to make ends meet at
the moment.
The price of everything's goingup.
And the second thing is it's soeasy now to live on the never
ever.
I think now you can go in costaand put your coffee on a klana
(07:14):
and pay it in free now, that'sthat's mad, that's mental.
That is mental, isn't it?
Let's be, I get it.
You go and buy a car.
You can't.
Even if you add 25,000, 30,000to drop on a car, it's cash flow
, isn't it?
You keep the cash, et cetera.
But yeah, some of these things,now, everything you can put on
(07:35):
free and it's so easy to do.
It's chicken and egg, isn't it?
Speaker 2 (07:37):
You're right, no-transcript.
But when you are being paid twogrand a month and your rent is
1,200, what chance have you got?
No, what chance have you got?
(07:59):
And the fact that this is newsshows how out of touch the elite
are, because the BBC and thejournalists, they're all private
school people.
They're all rich, rich, richpeople.
They don't seem to think thisand when they go, oh, one in ten
has no savings.
How outrageous.
Speaker 3 (08:15):
Yeah, I bet you it's closer to five in ten.
Speaker 2 (08:18):
Yeah.
Speaker 3 (08:19):
I bet you it's closer If you ask.
I mean, who did they ask?
This is the thing.
Who did they ask for thatsurvey?
Speaker 2 (08:23):
Yeah, so yes, according to the financial
regulator, so they should have.
Speaker 3 (08:29):
Yeah, but what do they know?
Speaker 2 (08:30):
Yeah.
Speaker 3 (08:31):
But again, like we just said before we went on air,
you read the stats thatresonate with you, I think, and
they believe.
Just because someone's put thestats doesn't make it true in a
lot of cases I don't think.
Speaker 2 (08:45):
No, I agree, it's got to be a sample, isn't it?
So what they found?
A total of 2.8 million peoplehave persistent credit card debt
.
I believe it's more than that.
I believe it's well more thanthat Easy.
More than that Easy, more thanthat Easy, definitely,
definitely.
I have persistent credit carddebt.
Do you too?
(09:07):
Yeah, well, that's 100% ofpeople.
Nearly 12 million people feeloverwhelmed or stressed dealing
with financial matters.
Speaker 1 (09:12):
In other news the sky is blue and water is wet.
Speaker 2 (09:14):
I mean, what the hell ?
Speaker 1 (09:16):
The worst thing is some dickhead's getting paid to
write that.
I know, With a quill.
This is what pisses me off.
You get all these things thatyou read everywhere and you just
think to yourself oh, a surveyhas been conducted and it come
out across the blah, blah, blah.
Well, you didn't know thatanyway.
You didn't know that everyone'sfucked financially.
You didn't know that the grassis green and the sky is blue.
(09:36):
Like it annoys me that peopleget paid to do that as a job and
it's, it's just the same andit's they're so.
Speaker 3 (09:45):
They're so disconnected, I think, from the
real.
What did they do?
Walk around London and ask ahundred people yeah, they walked
around Knightsbridge, yeah,yeah yeah, yeah, it's funny,
though knocked on everyone'swindow that had a Ferrari.
Speaker 1 (09:57):
Excuse me what?
Speaker 2 (09:59):
did you do for a living?
I mean, not only have I not gota thousand pound in savings now
, I can't remember the last timeI ever had £1,000 in savings,
no, we do these side hustles tomake this extra money Since I
started this thing in 2022, yeah, things are better, but prior
to that, yeah, you live hand tomouth, though.
Speaker 3 (10:17):
I know Even my friends that are relatively
successful and they work from ayoung age and they're quite
sensible with money, they'restill like oh yeah, credit card,
credit card, credit card.
I'll put it on a credit cardand that's the.
Do you know what I mean?
That's the thing.
And now the kids are growing upat 18.
They can get a carner accountand they can do all sorts of
(10:42):
things and just I will pay it.
Put it on the never, never, gonext, go next, go next.
Speaker 2 (10:47):
Yeah.
Speaker 3 (10:48):
I just think it's so wrong, yeah, that this is being
promoted to young kids so theywant you to be in forever debt.
They do, cause that's wherethey make their money from.
Speaker 1 (10:57):
It's all the interest rates, so they make their money
.
So the more people are in debt,the more fucked society is, the
better off the government areand the banks are and everyone
that's lending the money in thefirst place.
That's it.
It's just again.
It's the rich get richer andthe poor get poorer.
Speaker 2 (11:10):
When was the last time wages were in line with
inflation, it was around TonyBlair time, wasn't it Around 98,
99?
I don't know.
I won't be speaking about it.
Speaker 1 (11:21):
I mean that's going one way back.
For me, that's it yeah.
Speaker 2 (11:24):
But when the cost of things is higher than the money
that you've got, your optionthen is go right, okay, well,
I'm going to have to borrow,whether that's credit card debt,
whether that's a short-termloan, whether that's a long-term
loan, yeah.
But then it becomes habitcoffee, and it becomes things
(11:44):
you want.
Speaker 3 (11:45):
Yeah, and it's dangerous it's so easy to do.
Now I've got.
I've got this big thing aboutwhen I was growing up 18, 19
going to par, the pars bubs puff, getting out bars and pubs
sounds like he's been to a partonight.
Yeah, exactly 18 and 19 now, weused to write how much money
have I got?
I can afford 80 quid.
(12:05):
Tonight I'm going to take 80quid in cash and you go and once
that you know right, 20 quidsin a separate part of your
wallet, blah, blah, blah.
Now the kids cause it's allcash I was going to say you're
good.
Speaker 1 (12:15):
I used to go out and absolutely.
Speaker 3 (12:19):
You tap, you tap, and then you've had a few drinks
and you're oh, I'll buy a roundof shots, boys, 30 quid, 40 quid
.
You wake up in the morning andyou're done.
You've done your money becauseyou're incoherent, because
you're drunk and all yourmoney's gone.
And it's like this whole justtapping on a card.
It's not real money, is it?
Speaker 2 (12:38):
It doesn't feel real.
I must admit, that was me onSaturday, that was me on.
Speaker 1 (12:42):
Saturday yeah me too.
Speaker 2 (12:44):
I had my budget for what I was going to spend at the
boozer, but before you know itI stuck 30 quid in the pot for a
sweepstake.
Who did I pull out I can'tremember Someone toilet oh,
harland, that's who I pulled out, toilet Anyway.
So wasted all that.
And then the drinks bill camein and I looked at it and I
thought, right, I've got enoughto cover that.
I'm going to take it out ofthat.
And it became a different thing.
(13:05):
And then you start thinkingwell, that's it, I'll just put
it on that card for the rest ofthe night.
It's only when you wake up inthe morning, even if you check
Most of the time.
I never used to check, yeah.
Speaker 3 (13:15):
And I think this whole tapping, tap, tap, tap
mentality in the cashlesssociety is is a big reason why
no one's got any savings.
Because it's nice to feel andsee cash, isn't it?
You used to have it in yourdrawer, in your bedside table or
something, and you've got a bitof cash there.
And the kids as well.
I think I much prefer giving mydaughter cash.
She's 11 now.
(13:36):
She goes to dance on a Saturday.
We drop her into town, she goesto Claire's and does her things,
and she prefers cash becauseshe can feel it and touch it.
She knows what's left, whereaswhen she's relaxed, oh yeah,
well, just tap that, I'll justtap that, just tap that, and
she's like oh, it's all gone.
You look at, then you log intothe app oh God, how much have I
actually spent?
(13:56):
Yeah, and I think that's aseries of things to come, with
the younger generation growingup, that cash is no longer a
thing.
So you don't touch real money.
You see it in your bank balance, but you don't actually get to
touch it and feel it Interesting.
We were taught.
Speaker 2 (14:13):
If you want to buy something, save up for it, yeah,
now.
Speaker 1 (14:17):
That's exactly how I live my life.
Yeah, I live like that everyday.
If I can't afford to buysomething else, I don't buy it.
Good for you, and I do havesavings, yeah yeah, you know, I
see it around me all the timeFamily members, friends,
children, like everything.
They all just spunk everythingthey've got because it comes
(14:38):
down to this champagne,lifestyle, lemonade budget.
You know, and my big main blamefor it is is covid, because
since covid, everything's goneup in price by an absolute
shitload and no prices have comedown.
If they have, they've come downby nowhere near what they
should have done.
So everyone's having to paymore money for everything, even
though it shouldn't cost more.
(14:58):
Like you're probably payingmore for your goods, it probably
you don't have to pay for them.
Your suppliers are probablyprobably still charging you much
more.
Speaker 2 (15:04):
Yeah, yeah, well, yeah, exactly.
It happened the same time COVIDand Brexit.
Yeah, exactly yeah.
Speaker 1 (15:09):
But also, you know, I know we're on social media, but
social media has got one big,big answer thing to answer to,
because I've seen it personally.
Well, got themselves in loadsof debt because they wanted to
live the lifestyle that they sawon social media.
They were Blunt's Yaga trainers, they were buying five
600-pound jumpers and they wereearning 400 pounds a week, you
(15:32):
know, and they racked themselvesup.
I think it was about 16 grand'sworth of debt within about six
months.
And that person was 20, I think23, 24.
And the age group is the agegroup that are now.
That was a while ago, so he'snearly 30 now, and then they're
all doing it because they're allseeing it on social media.
(15:53):
It is just like everyone'sgetting blindsided by what they
think they should have in liferather than what actually you do
need and what chance have anyof them got of getting their own
house Exactly.
Speaker 3 (16:03):
Or getting out of the shit they get themselves
gambling as well.
Speaker 1 (16:06):
Gambling's a big thing.
Everyone's.
It's so easy, like everywhereyou look now there's a fucking
gambling site.
Football's on t-shirts,football it's on all the
hoardings you go down the road.
It's on the side of thebillboards and the bus stops.
It's in every single magazine.
Every time you there'sadvertisement for gambling.
Come in, deposit £10, we'llgive you £50 worth of free bits.
You earn £50 out of them, freebits.
(16:27):
You think I've only spent atenner.
I've had a right touch.
Just put another £30 in myaccount quickly.
It becomes this big repetitionof gambling and then you're
borrowing from Peter to pay Pauland the whole world.
The whole world is just set upfor everybody to completely
shaft themselves financially off.
Speaker 2 (16:43):
And pay the establishment.
Speaker 3 (16:44):
Yeah, yeah, think about how much interest.
Oh disgusting, Do you know whatI mean.
You pay the like.
I've got a couple of creditcards.
One of them, the interest islike 60 odd quid a month on it
and that's like, oh yeah, it'sall right, it's only 60 quid a
month, but when you look at thatit's £600 a year.
Speaker 2 (17:02):
Yeah, exactly now I'm getting credit card for yeah,
and that's it, and you're notpaying off the actual and you're
not paying off the credit.
Speaker 3 (17:07):
Yeah obviously I'm a bit more sensible than I used to
be, so I'll pay a thousand offhere and there and get it down
and sort of sit in the middlewith it, but then I'll use it
because I'll need it.
And that's the problem.
I'm using it because I need it.
I'm not using a credit cardbecause I get the air miles
where a lot of people that aresavvy, they'll use a credit card
American express to get the airmiles and they're put off and
(17:28):
then pay it off at the end ofthe month.
I put the shopping on it.
Speaker 2 (17:31):
That's what I'm trying to teach my kids at the
moment is there's such a thingas good debt.
There's such a thing as gooddebt and if, if you want savings
, maybe invest them and stufflike that.
So some of Some of thosesavings might be going into
investments, but still it isbrutal.
There's no education for thesekids to know better either.
Like you said, exactly like yousaid, in the olden days you'd
(17:52):
take out cash and that was yourbudget, that was your thing.
I used to take out cash.
I didn't take a card, and if Iran out of cash I would walk
home rather than get in the bus.
You know what I mean.
But then cards came along andagain I'm like Harry Potter
learning a new spell.
I go woo-hoo, look at all thismoney I've got on this card Kids
.
The education hasn't evolved thesame way that money has.
Speaker 1 (18:10):
Yeah, it hasn't evolved at all, really has it.
The education hasn't evolved atall.
That's another podcast.
On next week's podcast.
That is another podcast.
Speaker 2 (18:17):
Totally, I've heard it.
Speaker 3 (18:18):
I saw something the other day and they were saying I
can't remember who it was hewas saying it's really the first
time ever in history thateducation has been a complete
waste of time.
They should be teaching themout.
Like I said to you earlier,there is predictions that a
one-man business can turn over abillion pound a year using AI.
One person can run abillion-dollar business because
(18:40):
of AI and how it's done.
Kids should be taught thisstuff.
Speaker 2 (18:43):
They should but they're taught not to use AI
because that could be cheating.
Yeah yeah, they're too scaredof it.
Speaker 3 (18:49):
Yeah yeah amazing, yeah, but I think the education
is another podcast episode.
It could be quite good to beginto yeah.
Speaker 2 (18:58):
I like it Again because it's the next generation
coming through who are beinglet down.
Speaker 3 (19:04):
Yeah.
Speaker 2 (19:05):
Because they can't afford anything no.
And it's mum and dad.
And again, this is one of thereasons why we, as parents,
we're not getting to live thelife that our parents lived,
because we're the bank of mumand dad for a much longer period
of time.
Speaker 3 (19:20):
Well, I saw something the other day.
I think it said 55% offirst-time buyers last year
buying houses only could do itbecause of the bank of mum and
dad.
I think it was 55% offirst-time buyers in the last
year.
Speaker 1 (19:36):
Funny how the bank of mum and dad's drawing up now
and they're giving 100%mortgages again, aren't?
Speaker 2 (19:40):
they yeah, yeah, yeah that would have been nice 15
years ago.
Speaker 3 (19:43):
But this is a good one.
Talking about savings, what doyou both class as savings?
Speaker 1 (19:51):
Tenner, I think to class yourself as having proper
savings, you've got to be ableto pay your mortgage for at
least a year.
You reckon a year, yeah.
Because otherwise I think, theway it is now, I don't think you
can pull yourself out of a holeif you dig yourself into one,
so I think you've definitely gotto have enough money in there
to survive.
Speaker 2 (20:10):
Three things go in shit that you can cover in a
month.
Speaker 1 (20:15):
At the moment.
Speaker 2 (20:15):
The dog's got something in his eye that's a
vet bill.
We've had to declare a caroff-road.
It's only our little runaround,and in the summertime we barely
use it anyway.
So rather than pay the 300 quidto do the MOT, let's just get
it off-road and we'll cover itlater.
Yeah, things like that, theloft extension that we could
(20:35):
carry on topping up.
If we had savings, we couldcover those things off.
Yeah, but we don't.
The business is going great,but everything gets reinvested.
We're still living the same waynow as we were two years ago,
really.
So yeah, I would say, becausethat's what savings are for.
They're for a rainy day, aren't?
Speaker 1 (20:51):
they, like you said, to cover you.
Speaker 2 (20:54):
But when a rainy day happens and you've maxed out,
your credit cards suck it up.
You've only got one car.
You know what?
Speaker 3 (20:59):
I mean, that's it and I would class it.
I would say I'd be comfortableif I could live the life I'm
living now for three monthswithout having to worry about it
.
That's what I would class as areasonable.
Your idea is better.
I'd much rather have a year'sworth of money in the bank, but
if I could have three months,because you never know when your
boiler's going to break down,no, and it's irreparable, and
(21:22):
that's 1,800 quid.
Two and a half grand.
Speaker 2 (21:24):
Yeah, what we're finding out is that he's much
more risk averse with his moneythan me and you are.
Speaker 3 (21:27):
Yeah, good for you.
Speaker 2 (21:28):
Yeah.
It's a nice thing, but he's gotburns on his face from lighting
flares.
Speaker 1 (21:32):
Yeah, I mean, I wasn't on Saturday.
Speaker 3 (21:39):
There you go.
I think it's interesting aswhat?
Because I wonder what in thatarticle they classed as savings.
Speaker 1 (21:44):
Yeah, I mean that might be like fucking 250 grand
or something.
Speaker 2 (21:47):
No over a thousand it was over a thousand.
Speaker 1 (21:49):
Of course it was yeah , yeah, yeah, but that's not
savings in today.
Speaker 3 (21:52):
No, Do you know what I mean With today's prices?
With a family of five, that'ssix weeks worth of food shopping
.
A thousand pound, isn't it, Gen?
Speaker 1 (22:00):
Genuinely covers about 60% of my mortgage.
Do you want to take my missusshopping with you, because my
missus spends near on that in aweek?
Well, no, but that's what I'msaying.
Speaker 3 (22:06):
There's only three of us.
That's what I'm saying.
Speaker 1 (22:07):
One of them's only about two foot tall.
Speaker 3 (22:11):
If you're conservative, you can buy pasta,
and eggs and literally live off.
The same thing I'll tell youwhat.
Speaker 2 (22:18):
At the last Des Hamilton Roadshow, one of the
business owners there who builta software thing.
He basically quit his job, wentfull-time running a business
from scratch and I said, well,how did you get by?
And he went.
Me and my girlfriend sat downand went right, what is the
cheapest we can live for and howlong are we willing to live for
it?
He went.
So we lived on pesto and pastafor about six months until we
(22:42):
got the business off the ground.
I'm like mate, that isdiscipline, isn't it?
I love a bit of pesto and pasta.
It's part of my heart.
I can be out every day for sixmonths.
Speaker 3 (22:50):
A bit of mozzarella and basil in there.
Speaker 2 (22:52):
I'll be there on Saturday.
Fancy a curry.
No, eat your pesto.
Speaker 3 (22:57):
It's hard to be disciplined with money, though,
I think, especially in today'sworld.
I think I work every single day.
I work really, really hard.
I'm going to treat myself, andyou do, and then that's the way
I live.
Everybody's different withmoney.
They have different values ofmoney.
The way I see it is, you can'ttake it with you, so I don't
think I'll ever be Like myparents, my parents oh, we're
(23:19):
worried about your inheritance.
I said you've worked for it,spend it.
That's it.
That's what I've done.
You've worked for it, spend it,spend it.
Go and enjoy.
Speaker 1 (23:24):
They've moved to Spain that's exactly what I say
to my Mrs and Mum and Dad.
Speaker 2 (23:28):
To be fair, it's right, though, isn't it?
We don't want you working yourwhole life and then giving it to
us.
Yeah, let us work for our money.
You enjoy yours, yeah, yeahthat's it.
Speaker 1 (23:40):
That's why I've got life insurance, so I can leave
some money behind.
But I used to be exactly thesame Until I had my little boy.
Then we became a one householdincome.
Then that's when my mindchanged.
I used to go out on a Fridaynight and spunk all my wages up
the wall in booze, and thatbecause I didn't really have any
responsibilities.
Yes, I've got, obviously,children from my previous
relationship, but they didn'tlive with me and they lived with
(24:02):
mum and paid maintenance andeverything, but always used to
just any money that I had spareused to get wasted.
Until 18 months ago, I didn'thave any savings at all.
If my car broke down, I waswalking.
Yeah, you know I'd have to gooff my arse off to get the money
back.
But yeah, I just literally justovernight.
I just decided well, hang on, Ican't keep wasting money
(24:22):
because we need it and and it'sjust completely transformed my
mindset on on whether or not towaste it.
Speaker 2 (24:29):
Yeah, it was a rich dad, poor dad, reading that book
, maybe think about money in acompletely different way.
And now, yeah, I'll refuse tohave any life where I don't live
the life I want and I'll get totake care of the kids.
Speaker 3 (24:42):
You know what I mean.
Why not have?
Speaker 2 (24:43):
both.
Speaker 3 (24:45):
And a lot of people would say oh yeah, but if
money's a struggle, focus yourenergy on where you can cut back
, whereas I put that on the flipside.
If money's tight, what can youdo to make more?
Instead of trying to gobackwards, try and go forwards.
Obviously, sometimes if yourmissus has got a subscription
(25:06):
for £100 worth of flowers to bedelivered every week, then
that's not a necessity is it yougot Claire them flowers in?
Speaker 2 (25:11):
didn't you?
In the end, £102.
Speaker 3 (25:14):
But do you know what I'm saying?
I brought that up as a thingbecause you were talking about
it the other day.
It comes to my head, he wasonly talking about £20.
Jesus Christ, edit that Clairedon't listen to that £102 a day
on flowers, jesus Christ, thisagency must be doing well.
No, but do you know what I mean?
There's certain things whereas,especially in business, if
things are tight, I think youneed to re-evaluate, like, what
(25:38):
can you do to make more?
Yes, not cut back.
It's like what they say whenthings are tough.
You need to invest more inadvertising, but don't waste it.
Speaker 2 (25:46):
Yeah, there's things I resent paying money for.
Speaker 3 (25:49):
I resent paying money for Like taxes, yeah, council
tax Usually car repairs.
Speaker 2 (25:54):
Oh, come on, I bought the car to work.
What do you mean?
It don't work, yeah, and debtis another one.
I've, like, worked hard.
If I won five grand tomorrow,there's no way I'd stick all
five grand into the debt thatI've accrued.
I know I should, but I won'tbecause I want to enjoy that.
And that is money wasted.
It's not money wasted, it'smoney I resent paying, yeah,
yeah.
So yeah, that's it for me.
(26:15):
Make more money, pay it all offwhere you don't notice, I think
, because we are being squeezedso hard.
Speaker 1 (26:20):
I think that's what everyone's mentality kind of is,
though, isn't it Like if I getmoney, I'm going to enjoy it,
because fucking everything Iearn gets squeezed the life out
of anyway, and I end up payingabout 495% taxed on every pound
I pay, yeah.
So then when you do get money,you just think well, yeah.
Speaker 2 (26:37):
We need a treat.
Yeah, deserve a treat.
Yeah, we need a treat, yeahDeserve a treat.
Speaker 3 (26:41):
Yeah, yeah, we deserve a treat.
We work hard.
Why can we not spend it?
And that's, I guess that's adangerous mindset.
Yeah, but where'd you go?
Where'd you turn?
Where'd?
Speaker 2 (26:53):
you turn, what do you do?
And you only live once.
Speaker 3 (26:55):
Yeah.
Speaker 2 (26:57):
And when you die, your debt dies with you?
Speaker 1 (26:58):
yeah well, it doesn't know, does it go to your missus
or your?
Oh, I'm dead, mate.
I'm with my missus, right?
So you've gone from spending£100 a month on flowers to
leaving that £100 debt a monthto Claire brilliant but the same
thing.
Speaker 2 (27:12):
I've got life insurance, haven't you?
Speaker 3 (27:13):
we're covered, yeah yeah, yeah, I think life
insurance is quite important.
I mean mine's astronomicallyexpensive, but if I was to get
it by a bus tomorrow, every onethat I leave behind would be
fucking cushy yeah don't talk tome about expensive.
Speaker 2 (27:25):
I've got half a bowel , for God's sake.
Speaker 1 (27:27):
My premium's a fruit of the room I'm so glad that I
sorted mine out years and yearsago.
I've had mine since I was about20, probably yeah, Otherwise
mine would be about £450 a monthnow.
Speaker 2 (27:39):
Yeah, I've heard about the life you were living
when you were 20, mate, I don'tblame you.
Speaker 1 (27:41):
Yeah.
Speaker 2 (27:42):
Sounds like a wise investment.
Yeah, that's why he's lettingout flares in Covent Garden.
Look at that, I've got lifeinsurance.
Speaker 1 (27:52):
I wonder if that covers.
You actually Must look intothat.
Speaker 3 (27:57):
Yeah, no.
It's amazing what they do anddon't cover.
If you're buying life insurance, make sure you check the small
print and don't go to thatcompany on
comparethelifeinsurancecomthat's offering it to you for
£3.99 a month.
Speaker 1 (28:09):
Chances are they don't cover anything, but then
you won't know because you'd bedead.
So it doesn't really matter.
Speaker 3 (28:14):
Well, yeah, that's it .
Speaker 2 (28:16):
No, that's exactly right.
What was really interestingabout this article were the
comments.
The BBC don't often leave thecomments open on their art of
things, but we had over 2,000comments on there.
But we got seriously.
What do we expect?
Wages never keep up withinflation.
Interest rates the publicreceives on its savings is
always below base rates.
Speaker 1 (28:34):
That's true, it's not worth saving, is it?
Speaker 2 (28:36):
No, I know lots of people that do have savings,
that stick it straight intopremium bonds, even though that
is probably longer odds than thelottery.
Yeah, yeah, it's ridiculous.
Things will always get moreexpensive and people will get
poorer until we have a seriousdiscussion about how the
financial system operates andwhether certain institutions
like banks should be allowed tomake profit.
The game is rigged.
Speaker 1 (28:59):
The only people that are reading those comments are
people like us.
Speaker 3 (29:02):
Yeah.
Speaker 1 (29:02):
It's not the people that do anything about it, is it
?
Speaker 3 (29:05):
the thing is as well.
If you look at a mortgage, it'sscary.
You buy a £300,000 house andyou take out a mortgage for,
let's say, you take out amortgage for £300,000 on today's
exchange rate, over 30 yearsyou're actually paying £580,000
for that house and it's justlike whoa.
But if you can narrow that downto 20 years, it makes a huge
(29:27):
difference and that's the kindof stuff they should be teaching
in schools apr and how itcompounds over time.
Speaker 2 (29:33):
Yeah, mate, I quit my job and I think it was a month
after that our remortgage camein and it went up to 1800 pound
a month.
Speaker 1 (29:39):
Yeah, and I'm thinking jesus christ, yeah just
quit my job here about twoyears ago wasn't it no, a year
ago I was, yeah, I was exactlythe same thing about another six
months left I think, before wecan start the talks again.
Speaker 2 (29:52):
But even then you're thinking bloody hell, nearly two
grand a month on the samemortgage that we've had for six
years, and it's just, it'sbrutal.
And then the council tax goesup and everything's going up.
So we were meant to have thislife go right.
We quit our job, we got thisfreedom.
Should we go for coffee?
No, just put the kettle on.
(30:13):
All right, you know, I mean,it's one of them oh, it's a
brutal thing, isn't it?
Speaker 3 (30:17):
and I think it's tough, like, obviously we're
talking about savings and peoplenot having savings.
I bet you that the people thathad savings five years ago don't
have that anymore.
I would love to know an actualstatistic of who is living hand
to mouth every single month.
Speaker 2 (30:34):
I think the number would be scary.
Speaker 1 (30:35):
I was going to say I don't know, I'd want to know.
Speaker 2 (30:36):
To be fair, Especially under 40 years old.
Speaker 3 (30:39):
Yeah yeah, it's mad especially under 40 years old.
Yeah, yeah, it's um, it's mad.
I'd love to have savings, butthen, oh, it takes you so long
to build it.
I think the thing is, once yousee it building, oh, we'll put
more in there that is thedifference.
Speaker 1 (30:55):
That is the difference once you start, once
you never add savings, then allof a sudden you start getting
them.
It becomes a comfortable feelingthat you like yeah oh, I don't
want to spend that, I want toput more in there.
And then you start getting moresavings in there and then you
get that comfortable, like Idon't, I'm not.
I'm sitting here saying I'vegot hundreds of thousands of
pounds because I haven't, but Ifeel much more comfortable, like
(31:18):
comfortable and like I gave.
I quit my business, I mean likefour weeks ago.
I could never have done that ifI hadn't saved all the money
that I and I've been lucky.
I've only got that savingsbecause I've had two jobs, yeah,
and I've been running mybusiness and tiktok.
So all of my tiktok money hasgone into a savings well,
another business account.
So I suppose it's not savings,it's the business money.
But yeah, that's two jobs youknow it's two jobs, so I've just
been able to save one of thosejobs money.
(31:39):
Now I've obviously got one job.
Hopefully that money is goingto stay the same and I can top
up every month and use thatmoney.
But yeah, it does become mucheasier once you start seeing
your bank balance slightlyincrease, because you do get
that thirst for that safetybubble to stay there, really, no
, it's true.
Speaker 2 (31:58):
I mean, I've triggered a memory of a
conversation I used to have withmy mate about firefighters.
And we used to talk aboutfirefighters and my mate would
look down on them and go, yeah,but they're lucky, aren't they?
They've got two jobs.
They can earn a bit more.
That's not luck.
Who goes into this?
Speaker 1 (32:15):
going.
Oh lucky you, you've got twojobs.
Speaker 2 (32:17):
Jesus, maybe the firefighters service was
actually actually ravaged andthey got no choice but to have
two jobs where they should beresting.
Speaker 3 (32:24):
It's nuts, I know someone that's just gone and
they're doing enough to keep thewolves at bay, both working
full-time jobs, him and hispartner.
And I spoke to his daughter theother day oh, where's your dad?
Oh, he's at Tesco's.
I was like what?
No, he works there.
I was like what?
No, he works there.
I was like why?
He said because he wants to beable to buy us a holiday.
(32:44):
So he's having to work eveningshifts at Tesco.
So he does seven till about4.30, comes home, has some
dinner and then does six tillmidnight, five days a week to
try and earn a little bit moremoney so he can take the family
on holiday and it is a littlebit more money because he gets
double taxed.
Speaker 2 (33:02):
Yeah, I was going to say, yeah, do you know what I
mean.
Speaker 3 (33:06):
But that's the world we're getting.
Like you had to do a second jobbecause your job wasn't paying,
you wouldn't have the savings,like you just said, without the
second job?
No, and there's me thinking I'mrunning a business, I'm working
what?
12 minimum hours a day and I'mthinking to myself oh, maybe I
need to go and get another jobin the evenings.
I've got more time in theevenings to go, and that's just
(33:29):
the sad state of affairs that wefind ourselves in.
Speaker 2 (33:33):
I've got a TikTok shop agency if you're interested
, mate.
Speaker 3 (33:35):
Well, I've already said to you, I'll do TikTok,
I'll do some TikTok stuff, ifyou want me to.
Speaker 2 (33:39):
But that's the funny thing, though.
So I've been running thesecommunities since late 2022 for
people that need a bit moremoney.
That's been my whole gambit forpeople.
I'm not going to earn youthousands, but I can help you
earn hundreds, which will makeyour bills easier, and we've got
so many people, initially in myFacebook group and now in what
was the school, and now in theDiscord, where this is their
(33:59):
third job, so they've got theirfull-time job.
Then they'll work in a bar andin their spare time, they do a
couple of hours on TikTok orAmazon FBA.
Speaker 1 (34:07):
Yeah, how did it get that bad, yeah.
Speaker 2 (34:11):
And then they've got a family.
Speaker 3 (34:15):
We're living to work.
We're not working to live.
We're literally working everyhour under the sun just to keep
the lights on.
Speaker 1 (34:23):
God, this is getting depressing, this one.
Speaker 3 (34:25):
Oh yeah, it is mate, I don't mean it to be depressing
.
Speaker 1 (34:28):
No, it is, though, isn't it?
It's a fucking sad, sad stateof affairs.
Why do you think so many peopleare moving abroad?
Speaker 3 (34:34):
Yeah, and it's not just for the sunshine that we
spoke about the other week, isit?
Speaker 1 (34:38):
It's because they're just getting absolutely shafted
living here?
Speaker 3 (34:41):
My mum messaged me the other day.
She said we've just been for alovely lunch on the beach Three
courses, two large coffees, twobeers and a large glass of wine
28 euros.
So what did you have?
She said at the start it waslike meats and cheese, then for
main chicken, chips and salad,and then dessert was some
Spanish dessert lead dessert.
Speaker 1 (35:03):
No, that's French.
Speaker 3 (35:04):
I'm like, do you know what?
I've just been in a petrolstation and bought two meal
deals for the kids.
It was £18.50, do you know?
Speaker 1 (35:10):
what I mean.
This is it, mate.
You cannot buy anything in thiscountry anymore that you feel
like is good value nothing, no,it is you should buy a football
shirt at the end of the season.
They go half price, orsomething.
Speaker 3 (35:21):
What is a football shirt now?
Speaker 1 (35:23):
60 fucking quid.
Speaker 2 (35:24):
It's in the new Arsenal one 60 quid.
The new Arsenal one 85.
Is it really?
And they bought four of themout.
Speaker 3 (35:30):
Jesus Christ.
Speaker 1 (35:31):
They still don't win nothing.
Speaker 3 (35:35):
But without being all doom and gloom.
I can say that now, withoutbeing all doom and gloom, try
and pick it up a bit.
There are things that you cando.
There are things that you cando Buy fake football shirts from
Turkey and sell them, yeah.
Speaker 2 (35:51):
Or go and buy some duty-free fags and sell them if
you make money doing that that'snot the right way to do things
Sorry.
Speaker 3 (35:56):
No, but do you know what I mean?
I think the first part isactually sitting back and being
like oh shit, I'm one of thesepeople that are in the less than
10% who don't have any savings.
That's quite important.
What can we do?
What can we do to do that?
What would it look like?
How would our life look if wehad 10 grand in a bank for a
rainy day, or we could book thatholiday or stuff?
(36:17):
What can we do now to make thata thing in the future?
And I think it's having theconversation, isn't it?
It is.
Speaker 2 (36:24):
Stop competing.
Yeah, stop competing.
Stop being suckered in bysocial media lifestyles.
And that is easier said thandone.
My God, that's easier said thandone.
There's a guy I follow.
He's brilliant.
He's only been doing this fortwo weeks.
He's basically took a pictureof his garden and asked chat GPT
to do a better version and thendecided to copy it without
(36:44):
having any experience.
Rank Scottish accent swearslike a trooper.
I got no fucking experience inmaking a garden.
Speaker 1 (36:57):
But he's Scottish.
Speaker 2 (36:57):
Sorry for anyone Scottish listening, scottish
listening, but uh, he's alreadybuilt up something like 250 000
followers on instagram, 80 000followers on tiktok, because
he's brilliant he's been himselfand someone's gone.
How come you're still rotating?
It's like six days in.
He's like, because I workfull-time, mate, I'm doing this
like an hour a day and editing.
Don't be thinking, I'm justlike winging this.
(37:19):
This is really hard work.
Yeah, people just don't know,they don't put the concept
behind the fact that he'sprobably sitting on his sofa at
1 o'clock in the morning in catcut editing a post-it after
working in the garden for acouple of hours After working in
the garden?
Speaker 3 (37:32):
yeah, they don't get it it's hard to do it as well,
and it's hard to keep theconsistency.
That's the thing as well.
Speaker 2 (37:39):
It is my people see content and they just swipe,
swipe, swipe, not realizing theeffort that's gone in behind
every single post that gets made.
Speaker 1 (37:45):
Yeah, yes, yes, if you're sitting on your phone one
day and a video comes up andyou feel like being an horrible
bastard of a troll.
Speaker 3 (37:51):
Yeah, think twice yeah yeah, yeah, that is a
different podcast, but it's,yeah, it's.
It's hard, it is difficult toelevate yourself to the next
level, but I think the firstit's the same with everything.
It's having the understandingthat okay, yeah, that might that
might be a problem.
(38:11):
Maybe I do need to stopordering, stop putting stuff on.
Buy now, pay now.
Try and clear the credit cardsdown 50 of the way before you go
further.
Take chris's mentality if Ican't afford it today, then I
don't buy it yeah, I've got apiece of paper on my computer.
Speaker 2 (38:29):
So when I'm working on my computer I've got like a
thing there and it says ifyou're not changing, you're
choosing, and it relates to this.
So if you're in this situationand you've got no situation and
you've got no savings and you'vegot no extra income coming in
and you're still churningthrough the day job, how do you
see this ending?
How do you see put yourself ina year down the line?
How are you better off a yeardown the line if you're just
(38:50):
carrying on doing the same thingBecause you're choosing that
lifestyle?
At that point Nobody's comingto help you.
You've got yourself into thissituation for whatever reason.
That's probably not your fault,yeah, but it's got to be you
that gets yourself out of it.
So you need to change, whetherthat's working harder in your
job, getting a second job,trying a side hustle, doing more
, shifting sideways, beingcreative, whatever it is.
(39:12):
If you're not changing, you'rechoosing that life.
Yeah, and in a year's time,where things are worse, you've
got to look at yourself andthink shit.
Speaker 1 (39:21):
I'm glad you explained that, actually,
because I saw that sign on yourdesk weeks and weeks and weeks
ago and I wondered why you hadit there.
But now it makes sense.
I couldn't work it out.
I was trying to figure it outin my head.
What the fuck does that evenmean?
Yeah, and now you've actuallyput it.
Do you want a fatter copy?
I've got one.
It does, though.
It does until and this is thething until someone says
(39:44):
something like you don't reallyunderstand what it means.
But that does make total sense,yeah, total sense.
You are choosing to be the waythat you are.
Speaker 2 (39:54):
Specifically for me.
I'm still choosing to be a fatbastard.
Speaker 1 (39:56):
Yeah Well, I'm choosing to get fatter.
Speaker 2 (40:00):
But it is though, isn't it?
Yeah, everything in life.
You've said it perfectly in apost you did once yeah,
everything in life is meant togrow.
Everything in life, yeah, andthat includes us as humans, and
if we're not growing, we're fatyou need to water it.
Speaker 3 (40:14):
Everything needs certain ingredients to grow.
Whatever it is, it needs acertain amount of sunlight, a
certain is.
It needs a certain amount ofsunlight, a certain amount of
water, a certain amount of this,a certain amount of that, and
we've got to grow.
And that comes from the insideout.
And whether that's yourfinances Like I'm shit with
money, I would love to bebrilliant with money I'll put my
(40:37):
hands up and say I'm terriblewith money.
I don't have £1,000 savingsMore.
The other way, I'm £1,000overdrawn.
But the last sort of six monthsI've realised that Obviously,
I've put everything I possiblycan into starting a business and
I'm hoping that with hard work,determination and consistency,
in another six months' time Ican pay myself back the
(40:58):
investment I put in that.
Then that's my savings back.
Speaker 2 (41:00):
That's it, mate.
So you're making a consciouseffort to choose to change.
Yeah, see what I mean?
So if you were in my community,I would say to you you've given
yourself a label as being I'mash on shit with money.
Get rid of that, exactly.
And it sounds like you are.
Yeah, so that's good man.
Speaker 3 (41:15):
Yeah, that's it, and I think a lot of it comes from
the inside.
Like I've done this.
I don't know if I told you um,someone asked me a question the
other day what's your internalfear?
And I was like don't have one.
And then we went through likean hour conversation and we went
through this.
He's like okay.
And then I put the same prompt.
We got some things.
I put something into chat gptbased on everything I said.
(41:36):
He said you've got an internalfear of not being yourself
because you're scared of peoplerejecting you, not being liked,
et cetera.
You've got to get rid of that.
So now I'm working with ChatGPTas a life coach over 90 days to
do little things every day, tobecome more thing.
It's quite powerful, thoughDon't you fucking sit there
(41:58):
laughing?
You don't fucking use it.
Speaker 1 (42:00):
I've got a real issue with chat TV.
I've just started using it.
I mean, I can't understand whypeople don't use it, but I just
can't.
I can't get people talking toit like it's a fucking human,
because it's not, it's acomputer.
It's not, and when you say itout loud it sounds fucking
(42:21):
bizarre.
I'm sorry, I don't mean.
Well, I did mean.
I did mean to laugh because Ifind it quite funny, but yeah, I
just I don't get it.
I don't get it.
I mean, I call mine knobhead,that's my undername.
You got you giving yours aproper name, haven't you?
Speaker 2 (42:33):
I call mine slave yeah.
Speaker 3 (42:35):
Yeah, he'll know if I do.
No, but like it does go prettydeep, yeah it does.
And you can't take everythingthat ChatGPT says.
You've got to double-check it,you've got to.
But when you put all these sortof deep questions in it and
you've been using it for 18months and it learns how you
write and you read and et cetera, like I started using it for
(42:57):
like I had a journal and I waswriting in every day and it was
I forget to do it, and so so Idecided to put a folder on chat
GPT this is my daily journal andit sort of, and then after the
week you can say summarize myweek and it will summarize your
week without you having to readback through the pages.
And it's fucking brilliant forit.
And there are life coaches outthere.
(43:18):
I'm going to use that one,though.
There are life coaches outthere that are worried that,
like all these life coaches thathave done a three-day course
and stuff, they're now beingblown out of the water because
someone can do exactly the sameon ChatGPT.
Speaker 2 (43:32):
Mate, they're not the only job that are shitting
themselves because of ChatGPT.
Let me tell you.
Speaker 3 (43:35):
Yeah, but quite right , they should be.
Speaker 1 (43:37):
Yeah, quite right, they should be.
Speaker 3 (43:38):
You can't embrace it.
Speaker 2 (43:39):
Because you can explain your deepest, darkest
fears to a computer that youwouldn't do to a person, even if
they are alive.
Speaker 1 (43:44):
Don't forget, somebody might be the other end
of those listening to thosedarkest, deepest fears.
That's the issue.
Speaker 3 (43:49):
I'm worried about.
Well, this is it.
It is a massive thing.
Oh, remember my card detailsand my free number, and password
on the back.
Speaker 1 (43:53):
It's not really a robot.
Speaker 2 (43:59):
It's a group of people up in Crawley.
Speaker 1 (44:01):
Yeah, exactly.
Speaker 2 (44:01):
Yeah.
Speaker 3 (44:03):
Yeah, I need a bank account.
I just used mine forremembering websites.
Speaker 1 (44:07):
I used it this morning, didn't I?
I've got such a bad memoryRight.
Can you do me a favour?
Remember this website and then,when I ask for it, tell me it?
That's, that's brilliant right,we digress.
Speaker 3 (44:17):
Yeah, that's another episode, though.
Let's talk about AI.
Yeah, we'll do AI.
I like that.
I tell you what.
Let's do AI next week?
Speaker 2 (44:23):
yeah, because that is a good point to leave it yeah.
Speaker 3 (44:26):
I enjoyed that.
Boys, that was good.
Yeah, it was good.
Went off a few woo over thereand here, but I think it was
good usually does though,doesn't it yeah, right, I've
been Des, that's been Chris andthat's been Ash oh dear, see you
(44:46):
next week.
Cheers, all cheers guys likecomment share, give us your
feedback.
If you want to call us out,then do it.
We're all here for it.
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