Finance Unpacked: Closing the Advice Gap with Gareth Shears & Shane Hyland
Join your hosts, Shane Hyland and Gareth Shears, on "Finance Unpacked: Closing the Advice Gap", a podcast dedicated to demystifying the complex world of personal finance. Each week, Shane and Gareth delve into critical topics ranging from budgeting basics and saving strategies to smart investments and retirement planning.
Whether you're a financial novice looking to build a solid foundation or a seasoned saver searching for advanced tips, this show brings you practical, actionable advice, and the latest insights from the world of finance. Our mission is to bridge the growing advice gap, ensuring that everyone—regardless of their financial background—has access to the knowledge they need to achieve financial independence.
Tune in to "Finance Unpacked" as we explore the ins and outs of managing your money effectively, answer listener questions, and bring in expert guests to share their secrets on thriving in today's economic environment. Don't let the advice gap hold you back—start mastering your financial destiny today with Shane and Gareth.
Finance Unpacked: Closing the Advice Gap with Gareth Shears & Shane Hyland
Guest Podcast Matt Cottle V2 - Talking all things Financial freedom, what life has been like since exiting his business and life in the sun.
Guest Podcast Matt Cottle - Talking all things Financial freedom, what life has been life since exiting his business and life in the sun.
Matt is a Property Investor and former CEO of Y3S. He is passionate about business and family man.
This is a revisit to see how things have moved on since his exit from the business. We talk all things financial freedom, living abroad and the property market.
Find out more about matt in the link below:
https://linktr.ee/mattcottle
Free budgeting spreadsheet below.
Stay well, stay motivated and most of all stay educated.
https://www.sanfp.co.uk/
Recording Equipment
📘 Our Book
🎙 Podfollow
❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here
🏠 The mortgage Course
📰 Budgeting Spreadsheet
I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.
👉Subscribe Here
Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ
✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8
✅ The Importance Of Pensions:
...
Good morning, matt Morning gentlemen. How are you? It's a repeat 2.0. 2.0.
Speaker 2:Yeah, and you and you venue, oh, new venue Same guest.
Speaker 1:Repeat guest. Repeat guest here. I must have done well the first time around. I don't say he's back, he's back on the sofa. He's back on the sofa. It's the same sofa. It's actually the same branding as well, but different office.
Speaker 2:Different room is it yeah.
Speaker 1:Yeah.
Speaker 2:It doesn't look like a different room, does it?
Speaker 1:No no.
Speaker 3:Very similar. Yeah, I think I like it.
Speaker 1:Yeah, it's good. How have you been?
Speaker 3:I mean, good, it's been turned, look 10. Yeah, I've got a taxi driver's tender bike. Yeah.
Speaker 2:Cyclist tan, cyclist tan yeah.
Speaker 1:Oh yeah, Whether it starts just above the knee on the legs.
Speaker 3:Yes, I've got one of those as well. Yeah, yeah.
Speaker 1:I was in school with a boy, A proper cyclist who was in school, and he used to literally he'd have he'd tan for me and they'd stop then just above his ankles, that as well. He'd just have this. Like it was so funny when he used to like kind of go and play rugby or something like that. He'd have that big gap.
Speaker 3:What happens.
Speaker 2:Exactly yeah.
Speaker 1:Yeah, yeah.
Speaker 2:Same on his arms then as well. I know, I know, totally off-piste. Mark Cavendish is back for another year. He said last night Indeed, I was super, he was never going to go. Do you know what I think he was?
Speaker 1:You said he thought he was, but after watching the documentary.
Speaker 2:That he's mental health issues. But he'll be back next year and he'll smash it. I haven't seen the documentary yet.
Speaker 1:Really good, really powerful. It is good, isn't it? I flipped past it on Netflix and ended up on Beckham instead.
Speaker 3:I haven't watched that yet. I was the first one. I was really good at it.
Speaker 1:He's cute and evil. He's a good lad, isn't he? I know, I know that you can be much credit for not being very intelligent, but I think he's very intelligent. He's very intelligent actually.
Speaker 2:So get where he is. He's very, very intelligent.
Speaker 1:I was the first one last night Low respect for Beckham, I'm going to say and he was the first one really commercialised as well. He took that Brill Cream one, I think it's in there and he was just like game on. It was quite funny. What do you say? He earned 50 quid from Adidas and spent 50 quid on M3? 50 grand, 50 grand on M3. Basically, if you earn 50 grand, you don't find anything about 50 grand.
Speaker 3:That's why I watch his cars.
Speaker 2:Yeah, but when you're 21, 22 years of age, perfect.
Speaker 1:And in finnish. It was one of these documentaries where, like you see some of these ones and they talk about like Alex Ferguson, but then Alex Ferguson's not on them, but he actually was. Gary Neville was on the people on there talking super.
Speaker 3:Well, I just thought they were brilliant and you know everybody's big enough Beckham, and rightly so. Yeah, and you know, to see all those guys from the sort of team back there.
Speaker 1:I know, and I was looking there, you see, like Ryan Geeks in the background when they were warming up the one day, and, yeah, like you just see that team, all the old players, yeah, yeah, yeah, it literally was.
Speaker 2:It was one of our previous guests. Rodry played and signed for man United, rodry Jones, but I don't know was he in the same squad.
Speaker 1:I think he was, wasn't he? Yeah, he was, yeah then he got in badly injured in me. Wow, yeah, I think he was. Yeah, yeah, yeah, no it's good.
Speaker 2:I think David Beckham is probably a better negotiator of contracts than Matt Gottle Because they Undoubtedly the opportunity to go to America, which was a shit organization at the time, and having your contract, I can buy a football team for 15 million whenever I want afterwards. It's mental. The guys that were representing him were just superb Because they said the last of the annual to say annual season ticket at Intramami went from some like $6,000 a year to $30,000 a year, because now they got messy. It's brilliant.
Speaker 1:He's making a fortune, mr Beckham, it is clever. So what's been happening?
Speaker 3:So back to a few days been out in the sun again.
Speaker 2:In the Elgalf Saw that on social media.
Speaker 3:Yeah, at the Elgalf, came back for the summer, just got fed up with the rain. It's just rain, doesn't it forever? It was really summer, was it? Well, it was just like a winter. It was kind of just the extension of the winter. It was, yeah, it's just been. I can't remember the last time I've been in this country it wasn't raining, and yeah. So I went back to the Elgalf in early September and when we now I don't even know where we are anymore Early October, early October, there we are. So four weeks later I'm back for a few days and come to see you guys. Yeah, do a few other bits and pieces business-wise, property-wise, family and then I'm back and playing tomorrow morning Back to the sun.
Speaker 3:Back to the sun.
Speaker 1:All right, I won't say it then though.
Speaker 3:So it was 30 degrees yesterday, yeah yeah, my wife home.
Speaker 2:Can we put this short now and just have a go away?
Speaker 3:I was in the kitchen in my house this morning making some breakfast with my, with a gilet and a jumper, and my wife phoned me and she was going. Oh, my goodness, oh this. The air-con on all nights in the bedroom is so bloody warm. I'm like, really, I was so young, it's like a couple of hours on the plane and it's it's mad, isn't it. It's such a huge difference. How are the?
Speaker 3:kids friend there. They love it. Yeah, they absolutely love it there. They're out in, they're in international school out there. Yeah, getting used to the weather, when you I mean it's okay for me, I was sunbathing most of the day. I hope so, my friend Whereas the kids have actually had to do things, which is, yeah, which they're a bit, they're a bit peeved about, to be honest. Why do you get to do nothing all day and we're still at a good school? I thought we'd come in here for a big holiday.
Speaker 1:That's the thing. I guess that's a big holiday for me. I guess I was in there for the kids, isn't it? It's kind of like I thought we were coming here on holiday, but no, actually you've still got to learn.
Speaker 3:You're still going to actually do the important stuff. Wow. But it's quite a tough thing, you know, for kids in school, international kids out there learning all day in their heats I mean the rooms over there. It's a brand-smaking new school. Everything is Everything is completely white inside. It looks like a psychopath lives inside Really. Yeah, it looks like he's designed by a psychopath but it's properly white. You know, all the science labs are white. I think it's white, very clinical, very clinical, but it keeps the whole place cool. Yeah, I was going to say that was probably kind of. What I really found was funny was when I first got there was on the blinds on the outside of the windows. You know there's a bunch of blinds on the outside of windows in the UK. It must have been ripped off in about four seconds.
Speaker 1:It'd be a hot tub of water and they're ice from it.
Speaker 3:So, yeah, no, it's really nice. It's really, it's a lovely lifestyle. It's more relaxed. The way I describe it is to people is it's like the 1990s in the UK. So it's more relaxed. It's not as frantic as the way we're used to living our lives today. If you look in the tick boxes you know it's like the 1990s, but with fast internet. And the internet is really fast up there, really, really, really quick up there. Yeah, no, 20 mile-nour limits, speed limits. In fact, I don't think there's any speed limits at all.
Speaker 1:Yeah, that's a. I think we won't go there. My drive to work has gone longer and longer because it's 20 mile-nour limits Only by 45 seconds.
Speaker 2:Mr Drakeford and his team have.
Speaker 3:Oh, they're in 45 seconds, yeah sure, yeah and sorry, does he actually drive a car, Drakeford? He?
Speaker 1:doesn't drive a license?
Speaker 3:does he, Does he not? No, he doesn't drive a license.
Speaker 2:I see there's all these things in social media talking about it. I think they put his number plate of his Volvo out the last day, so I presume oh right, you know, somebody's just made this up. I don't know, probably, and to be honest, I don't really care.
Speaker 3:No, no, no, no. What that man has done for Wales is they should be tried for crimes against fashion and economics.
Speaker 1:And whilst that's no, but at 100%. You know, like if you're, Especially if you're a business owner, he's done no favors for you.
Speaker 3:No, no, and they admitted to that, they truly. They admitted that they are truly not good at the business side of things. No, which is worrying for a government.
Speaker 1:No, and you know you think it was very. They did all that thing for the relief road and it all got canned as soon as he turned up, Do you?
Speaker 3:know what? I drive my car from the Elgarf.
Speaker 2:When you're sure for us that on holidays.
Speaker 3:When the sheriff is on his holidays. I have to drive my own vehicle. I drive. I got. I left my house in the Elgarf, jumped in the car, drove to Seville. I drove to Madrid the state of the like in Madrid. I drove to Santander. I got the ferry back to Plymouth. I drove from Plymouth to the 7th Bridge and the first traffic jam I hit was on the M4, just on the other side of the 7th Bridge, and I was like wow, you know, wow, and that's not the first time. Every time I do that journey, which not very often Three times done this year, it's the same story, you know, when you go out to traffic all the way out, and then once you hit Spain or France, if you drive through France, it's just beautiful, fantastic motorways all the way through.
Speaker 1:What a difference. It's just literal absolute gridlock. We're at all times like, even on the weekends. You can drive in the weekend you get second traffic Two o'clock in the afternoon.
Speaker 3:I was in Manchester the other day. I drove back two o'clock in the afternoon. There's traffic jam on me coming through High. Cross and by the Celtic Manor Two o'clock in the afternoon.
Speaker 2:What is going on? Last Sunday, two weeks, when the 20s kicked in, we were going into town on the A48 and on the way out it was like an international game had just finished. There was miles of tailbacks because everyone on the very front of this queue was doing 18 miles an hour because nobody knew if the A48 going out was now a 20 or a 50 and it was causing carnage.
Speaker 2:I don't know the makeup of the government in Wales and stuff like that, but the more you become a business owner, I think, the more you realise business owners probably should be the politicians that understand spending and not spending, because then people in there are spending other people's money. That's an easy thing to do when it's not your own money, you have no attachment to it and you don't care what happens to it.
Speaker 3:The more they spend, the better they look.
Speaker 1:It's all about going up the ranks, of where they want to be in the future, isn't it? I like Carl and John when he was there, because he was a business owner, he was a barrister. He'd done a lot of different things. He lived in the world. We did some stuff with him when he retired him and his speechwriter he was trying like a speaking course factory last week in the office. It was such a down to earth guy but you could see he knew his stuff and he understood business.
Speaker 3:How much did you spend on road sites?
Speaker 2:$93 million. Is that what it was? In the whole Wales it would be $93 million.
Speaker 1:In Nitholone it was $900,000.
Speaker 3:It's only $23 million in Cardiff or the Vale or one of the other.
Speaker 2:I think $93 million in the whole of Wales is going to be. Whether they've done it yet or not, how many?
Speaker 3:houses, would that build 93 million? Let's say how many pockets of government and land must there be in Wales? How many of those can be raised down to Brownfield sites? How many people would term?
Speaker 2:Not terminal, but maybe cancelling that they're being put off and being put off. They can be sorted now and all that I understand and I suppose if we had a child or a parent or something that got knocked down by a motorist, you might feel a bit different, and I get that because every life is important. But $93 million to reduce it by that amount where you could spend it on alternative things that might save more people I know that's the wrong thing to say, because every life is important it kind of seems like a waste of money.
Speaker 3:It doesn't seem like a priority to me.
Speaker 1:No, I understand the drive.
Speaker 3:I'm fully supportive of driving through little side streets in Canton and the side at 20 miles an hour. I'm fully supportive of that. But where was I? I was driving down a road yesterday. I think it was in Everlis.
Speaker 1:I'm fully supportive of driving through little side streets in Canton and the side at 20 miles an hour. I'm fully supportive of driving through little side streets in Canton and the side at 20 miles an hour. I'm fully supportive of driving through little side streets in Canton and the side at 20 miles an hour.
Speaker 3:I'm fully supportive of driving through little side streets in Canton and the side at 20 miles an hour.
Speaker 2:Did it, matt? Do you know when you came to Did it? You know you're driving through all these places and you're doing the normal speed limit, which are all safe and that, and you get to a certain time where you're getting nearer to then you go. Is there almost a dread and almost a feeling of I'm going to have to almost come back to being a type of business owner again. There's some feeling inside me now I don't enjoy this. I'm dreading having to do 20 miles an hour.
Speaker 3:That makes sense. Yeah, it's not fun, is it? It's not fun, especially when it makes no real sense as to where you did it, but you know I can't actually work out from being honest which roads are what speed.
Speaker 1:No, no, no, no, no. That one I did now is 20.
Speaker 3:Oceanway is 20. Yeah, right, okay.
Speaker 2:Although the Coppa Day 30 this morning wasn't doing 20.
Speaker 1:No, I don't think they know. Do you know what I mean?
Speaker 3:It's like I mean 20 miles an hour on Oceanway. I mean how many children crossing that road? Exactly that? I mean I had to feel road. I was here this morning, 20 miles an hour and a half to the road. I mean I didn't see a single person crossing a road, let alone a child. No, no, no, and then you weren't walking along with a child.
Speaker 1:And I think they've just gone, carp latch, haven't they? Schools during the week?
Speaker 2:Get rid of it, maybe in the weekends. And I have the other thing of potentially around care homes because people might be crossing the road that might have issues walking. That's absolutely fine. I think we all have common sense of going. Well, if you see a school, you're not going to continue to do 50 because you have a bit of common sense.
Speaker 1:Some people run my estate faster than they do 20 miles an hour at the moment, because there doesn't seem to be any signs of that. But they're going faster than 20 miles an hour, I guarantee you.
Speaker 3:I mean where I live in the Algarve, there doesn't seem to be anything to do with speed limits. Anywhere, you can park your car anywhere Remember I was saying this like the 1990s yeah, you could just sort of park anywhere and it's never an issue. Even in car parks we need tickets and it's people don't block each other in Everybody, just sort of parks as you'd expect them to.
Speaker 1:Really.
Speaker 3:Yeah, and you can drive out afterwards and there's no problem. You never get a speeding ticket. You never get a parking ticket, not to say there aren't speed limits I'm sure there are, yeah, but nobody drives around like crazy for it. It's just one less thing. It's like I think you might stress on the mind.
Speaker 1:And I think, probably because it's like the 1990s out there and it's a lot slower pace, less stress. People are not rushing around Over here, everybody's rushing to get everywhere. Yes, and I think that's where it comes from. Everyone needs to be somewhere at a certain time. Everyone's getting frustrated, everyone's getting annoyed, like my drive in right from Caffili the last two days right Hour and 25 minutes yesterday. Hour and 12 today, right To do less than eight mile, yeah, wow. And in the end, like today, I put the satin have on. Today it's like it's got to be a route which is going to weave me through Cardiff and I chose one and every time I was I'd go like a couple of minutes and it'd have another five minutes on another five minutes, another five minutes, another five minutes, and I'm just like it's all just right, yeah.
Speaker 2:Do you? Know if you go back to the 90s and say it's like the 1990s. In a small town in the west of Ireland the 1990s people would when you're talking about parking would drive to a pub and they'd reverse in that park facing the way home.
Speaker 1:That was the thing. That's a good plan, is it yeah?
Speaker 2:And as long as you got in your driveway nobody could say anything to you. There's a few incidents I won't repeat it on air where neighbors of mine smashed their pillar on the driveway, evading the long arm with the low, and then they went. Well, you can't prove it Now. I'm in my own area. Question for you, because you've been gone now a while Business owner, really, really successful. Loads of people to keep happy and the stress and all that that comes with it. Fast forward now you've been over in the Algarve for a while. What's changed? What makes you do you less stressfully, you more relaxed, you live in. Everyone talks about living the best life in that, but not many people do it, or they do it when they're too late or they think they need a bigger number. What's it done for you so, as a business owner and if there's other business owners listening because we're chatting to more of them how does it impact on you physically, mentally and all that by doing that now?
Speaker 3:It's the best thing I've ever done. It's, you know, waking up in the sunshine every day, not having to go to an office to work and being able to work once a leisure on projects that you want to work on, whilst knowing your bills are paid by a recurring revenue stream, is surely the best possible way to live. In my opinion, it's not for everybody. A lot of people like the Hassler Bustle I did that for 20 years and it was great and I really enjoyed it and I didn't think there was any other way I would possibly want to live. But I found a different way and I think it's better. And stress levels have gone, you know, disappeared. It's still stressful, you know, still got kids to look after, still got issues which I need to sort out, still got properties over here which needs looking after all the time, and but you know it's just a different level. Do you miss the grind? Absolutely no, not at all. Absolutely, not at all.
Speaker 1:And a single bit, I guess, going back to what Matt the CEO, or whatever, of Y3S Group, whoever it was, is that you were with Y3S Group.
Speaker 3:Especially this morning, especially this morning.
Speaker 1:Yeah, Y3S. How long was the typical day?
Speaker 3:The typical day for me was get the kids to school as quickly as possible. Everyone running around the house in the morning it was like still enough for me now, because it's still like kids to school. But get to the office here, just a few doors away from where we sat one, and into the boardroom, morning meetings looking at the deal flow, looking at the deal flow of the other companies dealing with probably I don't know five problems on go problems to start with, plus only additional problems throughout the day. You know it's just fire extinguisher, really just putting fires out in the office with my business partners. And the whole idea was if we were in the office, the office would run at about 20% more productive than if we weren't in the office. Yeah, so my mindset didn't matter what I was doing. My wife reminds me of this all the time because that's what I was doing is. All I ever wanted to do was to get to the office. Yeah, didn't matter what was going on, I was just school concert. I would go and see all the school concerts and do all the sports days, as any modern father does, but it was always with a view to looking at the watch and getting straight back to the office, Get off a plane, off from holidays, how quickly can I get my suitcase back home and get to the office check it in? And that was just the mentality which I had for many, many years. And I think if I'd broken that mentality I don't think I'd be doing what I'm doing now. The will and the drive to do that surely must have allowed me to get to this point now. So I can't say I would change what I did. Yeah, because I actually really very much enjoyed what I did.
Speaker 3:Yeah, it was only when the stress of my eldest daughter, who was quite ill, and the looking after all of the businesses combined together meant I didn't have any peace wherever I went. So I had to create less stress and some peace for myself in order to be able to not become ill. And I've just taken that now to the next level by just sort of winding back as much as possible. And I've got three, four pairs of shoes which I own to my name, two pairs of trainers and two pairs of shoes, and in my closet in the house in Portugal they're all just sat there, brand new. I've one pair of flip flops which are completely battered and covered in sand and three or four pairs of shorts, and that is my lifestyle now. It's sandals and or flip flops and shorts, and I spend most of my day. I've spent all of my day with my wife, pretty much most of my day with my wife, unless she goes out for walks with the dogs and friends I spend.
Speaker 3:Today. I spend probably an hour, half an hour to an hour a day working on my property business and I probably spend an hour a day working on social media stuff, and the social media stuff pays me, nothing like what my property pays me, but my properties pay me, but it's something which I enjoy. It's a project for me. I enjoy doing that side of things. So that's the difference. I'm now working. I'm certainly not the wealthiest person, the wealthiest person around at all. That's not important for me. The important thing is is do I have enough money to pay my bills? Do I have enough leftover to live a reasonable lifestyle without having to worry? You know the next plane ticket or meal ticket or whatever it's coming from? And I think if you can wake up in the morning when you want to and do what you want to do, I think that makes you wealthier than the wealthiest CEO in all of the FTSE 100.
Speaker 1:Yeah, 100%.
Speaker 3:Who has to be in the office for 14 hours a day. That's my personal opinion.
Speaker 1:I think that's born because the next question is could you have continued the grind which you've gone out of and to do a 65, or would it have killed you?
Speaker 3:Not sure it would have killed me, but I think it would have caused me some medical issues, which I don't know what those would have been. But I thought when I took the decision to step away from my business, I was having massive stomach pains every single day. When I went to the doctor and the doctor said I describe your lifestyle to me. I know the doctor only. I've known her for a while, so she knows a bit about me. I told her about my daughter and the medical requirements and the 24-7 care that she requires and having a house with five members of staff working on 24-hour shifts inside the house, which is very stressful. Then I told her about the companies which I ran and the 150-odd staff I employed and the property portfolio and the fact that I managed all those properties. She said what You're doing, what One person shouldn't really be doing, all these things, she's not good for you. She said this is probably where all your pains have come from and various tests which I had, because I thought I had the big sick or something like that.
Speaker 3:I was tested. I was absolutely fine. I said the problem is stress. It's not that I don't feel stressed. She doesn't have to feel stress in your mind, for your body to feel stress, she said. I suggest you start looking at your lifestyle and cutting back things that are affecting your stress levels. There's no way I could cut back with the care in the house. I took the decision to eliminate the work side of things. I could only do that because of the portfolio which I'd been building in the background. I wouldn't have been able to do it had I not done that. It would have been a different story.
Speaker 1:Yeah, I'm not speaking out of that resonance for me, because I've just gone through the same thing with stomach issues now.
Speaker 3:Oh, is that right yeah?
Speaker 1:I said we'd ask him then to die in lifestyle. But there's some shifts I've got to make. Yeah, that very reason I literally about 12 months I've been probably under a consultant Is that right Various tests. Yeah, you know it's not some nice tests. Yeah, Another one. Yeah, you know those tests.
Speaker 2:That happens when you have to work with me.
Speaker 1:Yeah, definitely. But you know, like you know, there's three of us in the room and two of us have had exactly the same type of issues.
Speaker 3:Yeah, so that means probably two in three business owners are doing exactly the same, and I read something this morning saying that 70% of entrepreneurs experience mental health issues. That doesn't surprise me at all. No, it doesn't surprise me at all. You know, I think I had mental health issues every day. I ran my business. I didn't think about them as mental health issues. I thought of them as issues that had to be dealt with for running a business, but looking back, they probably were more mental health issues.
Speaker 1:Yeah, well, that's exactly. And I think, as a business owner, somebody who shows huge resilience, but actually inside you constantly stressed, but you don't always realise it. No, you don't.
Speaker 2:We probably asked you the question before because for the last few episodes or series we always ask you know, you always have to have mental resilience or toughness and how do you put on a brave face? And that's kind of the go-to for a business owner. It's you have to leave all of your personal shit at home and, no matter how bad you're feeling, you have to put on the good face for all the staff, even when your stomach is in a mess or however bad life is at home, because that's your job and that's tough for business owners. And I don't think people understand that unless you are a business. Another business owner probably does, because the many plates you're spinning have to constantly keep spinning and if one falls there's a good chance to rest them, whereas no disrespect to the employed person doesn't have to wear all these different hats. Like you said the care of the parent, the wife, the husband, the landlord, the business owner there's a lot in that Lots.
Speaker 3:You just constantly put out fires. You know it's the planning of strategizing, because that's 10% of your day. 90% of your day is running around with the fire extinguisher, putting out fires, just getting through every day really, and that's the life of business owners.
Speaker 2:And that's the struggle you have now of getting through every day in 30 degrees of heat.
Speaker 1:In your flip flops and shorts.
Speaker 3:Remembering to apply sun lotion. The funny thing is with the kids going to school. You know, kids get your coats over theirs. Kids, have you put your suntan oil on Suntan?
Speaker 1:Yeah, your friends are Australian. That was one of the biggest shifts they did. They moved over there. It's quite obvious, but it's still quite a fun thing to get used to. You know, putting sun cream is the equivalent of us putting our jacket on before we leave the house.
Speaker 3:Yeah, it's quite a strange one For me as well. It's about the shift Since I stopped working a day job. The shift on personal development and concentrating on my health was massive. Since spending 90% for the day stressing out on business, I now probably spend 90% of my day walking, going to the gym, cycling and doing the good stuff and 10% of my day actually doing anything which you could probably call work. That is, I mean, such a huge shift in lifestyle for me over the last three years.
Speaker 2:Here's one for you. Then If you're doing that now, have you seen a positive impact on physical and mental health as a result of that? 90% shift to eating probably differently or healthier over there and exercising more and having more fresh air, naturally because of the lifestyle and outdoors. So has that impacted positively on physical and mental health?
Speaker 3:Yes, I know that because, well, I come back to Cardiff and I land and it's growing wet and raining and damp, I just feel immediately semi-depressed. I must have come from a different state to get to that state. Does that make sense? When you wake up in the morning, it's 25, 30 degrees Is one less thing that your mind has to cope with in the morning. Or when you look outside, thinking I was raining to put jumper on, to do this to all goes miserable on wet. I'm running to get a coffee. You just you just peeling off layers of things that you no longer have to think about.
Speaker 2:City is the Steve Bartlett, steve jobs thing of your word. You don't have to worry about what close to where that's. Right in the morning you have one of your four pairs of shorts, a T shirt and the flip flops. So if the 90% is there, do you think I know it's gonna be difficult now that business owners should take more Structure on their physical, mental well being?
Speaker 1:now, I know it's difficult when you're in there at that time but you've seen it from the outside.
Speaker 2:Now you come out and you kind of gone to be a total transformation. Is there a need for those business owners, whoever they may be with with five staff or 500 staff, to start taking steps back and prioritising themselves? Have to more than the extra 5% growth in?
Speaker 3:the company. They have to, because otherwise we're gonna end up in a nation full of stressed out sick people with very large medical bills or or an over strain NHS, because you know, these days in it we don't actually know the outcome of what we as business owners is going to look like, because we've only ever been able to do things as fast as we can do today. Yes, last 510, 15 years. So that's not yet manifest itself in the super stressed level of people which can come along in 20 years, cost in the NHS, afford to know or those like enough to provide medical insurance. You know it, we all know that Looking after our mental well being and looking after our physics and what we put into our bodies. This night is here, the beautiful salad and spring water and plenty of the largest social media people last week while out cycling is moderation, moderation, and I think we are becoming a sick country and I think a lot of countries are becoming second.
Speaker 1:You know the Americas, you know the UK, because certain types of food are more ready, available, actually Targeted at people who are rushing round or stressed. That's one of the big shifts I've had to make is the fact that I don't really any sugary things anymore. I keep my carbohydrates to the evening. I don't really have any carbohydrate things. I really need them and do a lot.
Speaker 3:I think Greg's three times into being out.
Speaker 1:exactly there's no such thing as there. No, and I asked if you go to your France and Spain's, you see Delhi's and you know, and Long years, yeah, all those things, and it's all. And everyone's like, oh, you be having cakes on the other, freshly made, but I'm not having all the other rubbish which goes with it in Germany. Yeah, I think we everything's become this fast food, fast fashion.
Speaker 3:We've got. We've got a restaurant just behind our house and if you walk through the back gates you can walk about five minutes down through a sandy lane towards the beach, across a tiny little estuary, and there's a fresh seafood restaurant and it's 20 euros for the lunchtime Menu each. Yeah, it's not particularly a lot of money, but we get for it is unbelievable yeah, fresh fish which is caught that morning. Yeah, put onto a plate with garlic, butter and potatoes and fresh vegetables.
Speaker 1:It's just a joy to eat hasn't been packaged, hasn't been injected with something, has not preserved his added to it has been sat on a shelf in a supermarket.
Speaker 3:I mean, what is, you know, just a direct hit to the In several vortex. Yeah, fresh fish, fish. You know, I've really fish in the UK but I did the I love fish now and just those little changes to lifestyle has made a big, big difference to me.
Speaker 2:The big thing. I've just listened to you boys there where you said I've been back and I've been to Greg's three times. You, you're technically gone from here now and you can fly and fly out, but you've mentioned a few things are going. I feel miserable. It's, it's bleak that it's great I've been to Greg's three times. You're trying to say, is the business owner that goes away on holidays for a week, he or she may switch off? It's highly likely that they won't, because they've got their phone with them and they have a week away or two weeks away somewhere and as soon as that plane touches down, again Back to it because somebody that has a way for a lot longer and technically isn't coming back after a week, like you, you're straight back into the routine again of Greg's feeling miserable because it's wet and all that. And this is not your home technically anymore. You're only flying in, flying out. You know you can go back there but it almost sounds your, your old routine of bang. Greg's is back straight away those business owners don't have that.
Speaker 2:So even if you go to the Algarve, you go away four day cycling in Spain with with you boys 140 miles in three days. It's not sure it's that it's switch back on and off straight away.
Speaker 3:Yeah, yeah, it does. Yeah, now you do. You flip back straight back into the, the previous lifestyle, and you know, no doubt I've got to go and see a property after this which has been prepped for a tenant. I can meet my builder in a bit and I guarantee I'll probably go back to Greg's or take him on the Donald's or something. I'll probably grab something for myself and you know it's. There's a lot of crap in all that stuff, isn't it?
Speaker 1:Well it is. I think that the the furthest it's taken from source, the worst it is for you.
Speaker 3:Yeah, I mean I do know what we actually had. Do you remember what I don't know if you ever saw where there's little cars when, when I used to run my three S, we used to go around country signing clients up to court response mobiles and it's.
Speaker 1:Oh yeah, I saw the response. I saw it in the back before here.
Speaker 3:So we had I think we had eight of those at the peak One of the guys who used to work for us. He had some kind of medical issue and he couldn't drive anymore, so we had to spare car in the car park. So we used to use it for sort of you know, maybe not to grab sandwiches or coffees, yeah. So I jumped in the car one day and start the engine and I dropped something on the floor so I leaned under the seat to pick it up. I thought what's that? Oh, what's that. So I pulled out a fillet of fish and so I spoke to the chap whose car it was A few weeks later to see how he was. I said I found a fillet of fish under the driver's seat. He said what I said fill the fish. Mcdonald's filled the fish in a box, so I dropped that down there about a year ago. You could have put this thing back in the microwave. He did it back up.
Speaker 3:It looked exactly like it had been generated? No, it was still exactly the same, but cold as when he dropped it down there. しまproductcom. I mean, what does that tell you about? What kind of crap is going into this stuff? It should degrade, shouldn't it? It should degrade. It was not degraded. This was perfect. Yeah, I reckon 60 seconds in the microwave on about 800 watts with some chips.
Speaker 2:You have to do the chips. Yeah, maybe even a tartar sauce.
Speaker 1:A little bit of tartar sauce. Yeah, I heard you said wow, that's disgusting, that's disgusting.
Speaker 2:Pretty bad, that is disgusting.
Speaker 1:So you've been in property 20 odd years, 24 years. Now there we go, 24 years.
Speaker 3:Yeah, 24 years, man and boy You've been through some ups and downs. I've been through a couple of ups and downs.
Speaker 1:Where do we think it's going? Where do we think it's going?
Speaker 3:A big question. The problem is when people think you are given an opinion as an expert. I would find that an expert opinion is. You always take the completely opposite view, don't you? Yeah, If the expert's opinion.
Speaker 2:Yeah.
Speaker 3:So I don't really know where this is going. I speak to lots of people on a daily basis. I probably speak to two or three conversations with various business owners or mortgage brokers or property people, state agents. I'm kind of getting the mixed bag. But my personal opinion is that we have only just seen the initial effects of the interest rate rises coming through, and I think we were talking earlier about how many rises there have been 13, 14, no 14,.
Speaker 3:14, yeah, it's been quite a lot, wasn't it? The second of ones and then the last ones can't hold. Yeah, and everyone's gone. Yay, yeah, everything's back to normal. It'll probably go again. It's not the case. It takes nine months for every quarter percent interest rate rise to manifest itself through the market. So we've got a lot of rises yet to manifest themselves, and those people are on the one and a half percent rates going up to now. Well, four and a half five percent, not mid-fives, is that right Mid-fives? Mid-to-leaf fives, then? Okay.
Speaker 1:You'd be lucky if you get a sub-five percent. There's a couple of letters that's got sub-five percent. The Halifax has dropped really yesterday, yeah, 4.85. So there's nine nines this week around about, but probably you were five to six.
Speaker 3:Five to six, yeah, I mean second charge loans. You're probably sort of eight to nine, yeah, and a bit more now, yeah, A bit more. There's one lender talking about coming back down to the beginning of the seven, but I don't know. I mean there's you know from where we were a year ago, a year and a half ago. When was the Liz Trust thing? Was that over a?
Speaker 1:year, just over a year ago. Well, I was on the news. Yeah, I think it probably was yeah About a year, isn't it?
Speaker 3:Yeah, yeah, yeah, Since then. You know I always say bad news takes three years to come through the market. I don't know how many people I've spoken to over the years. I go six months time. Everything will be much better. Six months? Everybody's going to call it six months. I mean that's bullshit. It's not six months, it's always three years. If there's bad news, a hint to market, it takes three years for it to come through, in my experience.
Speaker 1:Yeah, Well, I've generally been saying to people we're not going to see any kind of positivity until at least 2025.
Speaker 3:I think you're right. I think you're dead right. Maybe later, I think you're dead right, I think between now and then.
Speaker 1:I think we've got a rough next year. Yeah, I think so.
Speaker 3:I think we've got a. I think, between now and then, we'll probably look back on it in 2025 or 2026 and go wow, that was a tough period. Yeah, While you're going through it, you just go through it, didn't you? Yeah, you do, yeah, you don't question, you just get on with it and hope for a better tomorrow all the time. But yeah, I think there's a lot to come through.
Speaker 3:I think there's a lot of people who are paying 1,000, 1,500 pounds a month on their mortgage and probably burying their head in the sand as to yeah, and thinking I really hope my mortgage isn't going to be up to 4,500 pounds a month and how on earth am I going to be able to afford it? I don't know what those people are going to do. I don't know what's going to happen. There's going to be a lot of fire sale properties, I think so. I'm seeing reduced properties every single day. On my first, the first thing I see in the morning in Portugal is my dog's backside, and then the second thing I see is my right move email alerts as to what to sell in Cardiff, where I am at the moment, for the next few days. It's the first thing I see every day is my right move because my dog's in Portugal and the amount of reduced properties coming through is just incredible.
Speaker 3:I think anyone who's out there buying investment property should be looking at offering 15 to 20% under asking price for a property which needs a standard reefer plus a kitchen and a bathroom and boiler I think anybody who's looking at a property. I always look for properties with good kitchens, good bathrooms, good boilers or things that can be upgraded and repaired. I think you should be looking at 10 to 15% under asking price and go on to the right move. Now. Look at the area in which you'd like to buy a property. Look for the oldest listed and you'll find a load of dog-y-ed properties that have been on the market for God knows how long, that are ripe for refurbishment and are ripe for a deal. There's a lot of bargains to come. There's bargains out there now and there's a lot of bargains to come. Yeah, I agree.
Speaker 1:No doubt about that. Yeah, I think we've got an interesting period to come. I think so. I think so and there's some other things I don't think people have taken into account is that people are going to start paying their bounce back loans back now.
Speaker 3:Yeah, that's something which I've not considered, because they were. I didn't have one.
Speaker 1:Perhaps I should have got, perhaps I should have got, because they weren't, because they offered periods of interest only in increased terms, only also another six months. Basically, I think you had about two years or so from two and a bit years from taking it before you'd actually really have to start paying it.
Speaker 3:Yeah, my friend got one and that's all the start-taking thing. Now my friend of mine got one and he's got loads of money and he bought himself a nice new van with it.
Speaker 1:Oh, he'd have a lot of speeder than that.
Speaker 3:Oh really.
Speaker 1:He bought himself a brand new Range Rover Jags.
Speaker 3:Oh, the Range Rover. Did I miss out? Did I miss out on that?
Speaker 1:That's true Because the interest rate was 2.5% on it. Now they realise that their business is maybe not doing as well as it should be, and they now go to start paying it.
Speaker 3:Well, this is a problem, isn't it? You know, all this money that was given away in the pandemic, you know who would have thought that we'd have to pay it all back?
Speaker 1:Well, I read a statistic about it would be more cost-effective for the government to write them off than to chase 10%, Only 10%. Is that right? Only to chase 10% of defaulted loans? The cost of chasing them would be more than if you just wrote them all off. Oh my gosh, that says a lot.
Speaker 3:That's a basic income. Where's that going? Oh, what do you think of that AI? Yeah, you guys just read a lot about that AI I love reading about this stuff AI, I love AI.
Speaker 1:I think AI is great.
Speaker 3:I know For a bit until it starts killing us. It'll be fine, until it starts killing us.
Speaker 1:Don't worry about things like that Really.
Speaker 2:We'll be fine. We think so. I think it is beneficial.
Speaker 3:I think we've got 20 years I think we've got 20 years before it overtakes us, You'll be properly tanned in 20 years then Well, this is why I'm doing what I'm doing now. My wife was laughing at me. I said look, we've got 20 years here. We're both pushing 50. She was like easy Tiger. I said I'm 49. I said, well, I'm 48. So what I should say, sweetheart, is you're pushing 50.
Speaker 2:No, you should not. You're right I didn't say that there's a difference in a tan and a black eye.
Speaker 3:Yes, and I'm sort of convinced that we've got about 20 years of a good life left before the machine is taken over. I don't know what you think.
Speaker 1:Yeah, I wouldn't disagree with that. You're not convinced, are you?
Speaker 2:I have nothing to back up agreeing or disagreeing, only from what I read.
Speaker 3:I like to read a lot.
Speaker 1:How rapidly has AI taken over things?
Speaker 3:Well, you know, when I drive my car on autopilot, that's AI.
Speaker 2:I speak to my phone and send text messages which are usually the worst, usually, but If you promise to keep this very quiet and don't tell anyone else, right, go on. This is where I come from, on the west coast of Ireland, a island called Ackle. Technically, they were seen as very backward for years, so there's a very good chance that AI won't get there for many, many years, because I think only running water has happened in the last decade. So if AI does take over, let's make a pact that the three of us can go there.
Speaker 1:Go there Because it'll be like the 1990s. But that blast. I think there's going to be some places where it just won't really take any effect because it's so far behind. But in the UK alone, we jumped right on the bandwagon a bit, haven't we?
Speaker 3:Yes, yeah, but I think it's great. I mean, do you use Google BARD? Do you use chatGBT? Do you use chatGBT? Yeah, yeah, I use Google BARD.
Speaker 1:What's that like?
Speaker 3:I think it's brilliant because, you know, do you have to subscribe to chatGBT?
Speaker 1:For the upgraded version, but the standard one. I don't see the difference really. We've tested it.
Speaker 2:I don't see the massive difference there.
Speaker 1:Is there not? So Google BARD, is that part of you? If you're, yeah, I mean because I use Google for everything.
Speaker 3:And so it's just easier for me to just go on to Google and do the AI bet just because I haven't been on to Well, I have been on to chatGBT, but Google BARD's brilliant. I love it, and I'm sure there's others out there which are just as good. There's a million and five others, and they've come that quickly. Yeah.
Speaker 1:That's how fast they've arrived.
Speaker 2:The add-ons that you can do to all of them now and what they can do.
Speaker 1:Do you know what I mean? It's just like.
Speaker 3:It's mental and you know I've had a little luck and I use it for some things and I've constructed emails and done some other bits and pieces of it. But you know I'm just scratching the tidy, tidy corner of the surface here.
Speaker 1:Yeah, like we all are, Like we, so we'll. So you come up with an idea and you're kind of like how do I get a bit of a minimal, viable concept out of it? Well, chatGBT will give you that, which might have taken you days. It might take 10 minutes to go. Right, what's my ad? Climb for this and they'll give you the structure in the back. And then you're like right now my mind's working, Now I know what I've got to do.
Speaker 2:But there's even silly things like I played around with a few weeks ago and thought, right, let's get it to make me a PT month session. You know I want to increase my cast or whatever. It just throws something in there and it gives you the whole thing. So you can get that technically for free. But there are still people that will still not use that and will still like the personal touch of going, paying for a gym membership and paying for a PT. So, as much as it does take over and it can be a lot more cost effective in your life, I still think people don't want to use it for that, and you can use that exercise example and multiply that by any other thing that you do in life. So it might take over and kill us all, but I don't think as many people are using it as we think.
Speaker 3:At the moment? At the moment, yeah, so they're not linear in their growth, they're exponential.
Speaker 2:Possibly not no.
Speaker 3:You know they're exponential. Yeah, Elon Musk's new book. No If you guys are ready? No, If you're a fan. If you're a fan, I'm a big fan. Some people like him Do you know what?
Speaker 1:Not my thing. I've no, I've no, I don't like or dislike him. Yeah, and I've never really read a huge amount about him and quite all, and it's one of those things, the same with Steve Jobs Never really read a lot about him, but yeah, I mean, what that guy has done for humanity so far is incredible.
Speaker 3:I mean, I've read all the pretty much everything about him, really, and the latest book is just incredible. It takes you all the way up to the current. Where is that Just before? Where he is now to the sort of point at which he was. He's just getting ready to hand over Twitter to the new CEO.
Speaker 3:Oh okay, yeah. So that's how Really that's X, yeah, oh, x, yeah. So he's got a son called X, yeah, and son, yeah, I know. And he's got a daughter called Y and he's just a new baby. I think it's called something like techno machinists or something like that.
Speaker 2:You're allowed to do that when you got loads of money, because nobody's ever going to challenge those kids yeah.
Speaker 3:He's got 11 kids now.
Speaker 1:He's got 11 kids yeah.
Speaker 3:Yeah, so that ends with the CEO of Neuralink. Neuralink, which is his brain implant company. Is he actually with her then? No, no, no he's just fathered to two children.
Speaker 1:That's what he does too. That's one of his things, isn't it? Yeah, that's why he's listening to kids. Yeah, I'm not going to comment on here, I'm going to keep quiet, but I just he's like that's probably about as much as I really know of that, but I 11 kids. Yeah, he's got 11 kids.
Speaker 2:You can fall it, though, just about. Even if you break up the, you know what is it? 246 billion, or whatever he has, each kid's going to get a couple of billion. They're all right.
Speaker 1:I saw a brilliant post the other day of someone did a carousel on Instagram and it says like it's got like Apple, amazon and it's like an Elon Musk, and you go scroll, scroll, scroll and it goes GD. You know, gross domestic of a country. So he keeps scrolling. You go seven scrolls. Like Elon Musk's wealth, Is that right?
Speaker 3:Yeah, I'll show you that, I'll find it out. He's mental, yeah, but you know he goes into Twitter and what he's very good at is reducing costs in business, getting rid of all the trim off all the fat, and he's there himself doing it all. He doesn't bring in Lutena to do it, he goes and does it himself.
Speaker 2:But is he happy, matt Cottle, because he may have pains in the stomach. He's not living the good life in the Algarve. You might have all the money in the world, but I don't think he's happy in a different way. He's climbing a mountain with you in Spain, or something?
Speaker 3:Probably not, I think he's happy in a very different way. I think he needs the chaos and the drama for what he does? Yeah, I don't need that kind of chaos and drama in my life, not in your morning life.
Speaker 2:What's the school you were in like in the morning? The mini bus?
Speaker 1:The year. It is the. How rich is Elon? Right, and he's got the median American millionaire top 1% of America. All that. And then it goes to the bottom three of Dallas Cowboys, delta Airlines and Elon Musk. So Dallas Cowboys 7.6 billion. Then he scrolls Delta Airlines 28 billion. Wow, and then it goes, keeps watching this going. Oh, 80% of the companies in the S&P are valued at less than 80 billion. Are you still going? Not even halfway. Bill Gates is way back here at 117 billion. Don't get tired yet Poor.
Speaker 3:Bill.
Speaker 1:Poor old Bill. He's also 159 billion. If you made a million dollars per year and never spent a penny, you'd have to work 25,000 years to earn the amount shown on just this page. Yeah, and it's still at the end. And here's Elon. That's around 28 billion.
Speaker 3:He's a very, very clever guy, Jeff Bezos you always have to double it.
Speaker 2:You know 159 is 318, really isn't he, Because didn't he give her half of it? I think On the divorce.
Speaker 3:Plus, he's a little money-weighting, but Bill Gates would probably still be the richest one. What if he didn't give away as much as he has Like this? But I mean, what I found was amazing with Elon Musk, just one of the things and he flies around everywhere in his jet just because he needs to be in a lot of places, and it's sort of three days before Christmas and he's in an argument with the facilities manager of one of the Twitter server centers and the person in Twitter who's looking after says well, we need to move those servers into a different server farm. And how long is it going to take? Six months. He says, no way it's going to take six months. No, seriously, by the time we do the contracts, we do this, we sort this out, it's six months. He's someone done in three months. We can't do it in three months for this reason, that reason.
Speaker 3:So he's always playing with a bunch of others and they fly off to somewhere for Christmas and he's got the kids and all that. He says let's just go and do it now. Let's move the servers now to the new server farm. So he lands his jet in Sacramento, gets his people out, he goes to the airport, gets a bunch of other people to meet in there. He rents the first car he can find, which is a tow to Corolla right, drives to the server farm, says we're moving the Twitter servers to the new place. So he gets his facilities guys with him and says go and rent every single truck you can find. The people in the server farm say well, you can't just take the service, why not? He said my service, I own Twitter.
Speaker 3:So he goes down into the server farm and starts unplugging servers from underneath. And then he tests Twitter X and he's like yeah, it's still running, it's fine, it's fine, so let's unplug all of them. And it's 55,000 servers have got to be unplugged. And he starts to load. They start pushing them around. He said the security guy is there going and his Elon Musk is there with servers, pushing them on trolleys into waiting trucks, which has just been brought in, and they fill up something like four trucks and then they bring it load of people to carry on the work afterwards. And it's just amazing. It's just like right, it's not going to take us six months, I want to do three months. We can't do it in three months. Well, that's just going to do now. And then just flies out of the sky, into the look of it and starts doing the work himself.
Speaker 2:There's nothing better than a business owner getting their hands dirty. They won't even tell you the story about our carpet issue. Yes, I heard about carpet issue. And we've got our hands dirty.
Speaker 3:It's amazing.
Speaker 1:It's going to be done and it's the same thing. We just looked him. We thought we'd go on an event running on the Saturday for the rugby which we had here.
Speaker 3:I saw that yeah.
Speaker 1:So we had to get that.
Speaker 3:We had to get that, and do you know what? What a fine job we've done. I can't see any joy. I thought it was one piece of carpet and it's actually carpet tiles.
Speaker 2:When we go out in a minute we'll show you the one or two carpet tiles that are put the wrong way, but it was an ass.
Speaker 1:Who did that, do you know? That's our job.
Speaker 2:You look underneath it and you look at where the arrow is going. If the arrow is going that way, yeah, so we didn't do a checkerboard.
Speaker 1:We let it go kind of straight because it looked it's the next time I need a house to end. No, no, joe, what it was when you were doing it. There was a lot of calm to it. I kind of realized. I kind of understood why some people do it and because and I understood- You're not really answering to anyone.
Speaker 3:Well, my carpet fitter would probably disagree with you.
Speaker 1:He would, because he does it every single day.
Speaker 3:I've got a great story about my carpet fitter, so he's fit in carpets in a house of mine a couple of months ago. He's on the floor. He's a big lad, lovely guy Craig Carpets Not his real name, like.
Speaker 1:Dave Coaches.
Speaker 3:So I said Craig was your boy. Where's your assistant Matthew's name is? He said funny story. Not really funny, he said, but a bit of a weird one. I said go on. Turns out he's a glue sniffer. I said all right. He said how'd you notice? He said well, the carpet glue we use. He said I was all of a sudden ordering two crates a week rather than one. He said I left him on a job over in Lannishen, came back to pick him up from the house, he was upstairs laying on the bed with glue all over his beard, so we had to get rid of him. He said I'm no way. That is terrible. That is terrible. Poor kid there we are.
Speaker 1:He's doing that. Oh wow, Probably still sniffing glue?
Speaker 3:Probably is yeah, glue all over his beard.
Speaker 2:That's not how we're called. When the guy took up our tiles and there was nothing but glue on the floor Every time you moved one of your feet, your shoe- stuck there.
Speaker 1:I brought my daughter in. I was like don't stand still. She's only three years old. Stand two is still too long, never get out of here. And she was like I can't move her feet down Unbelievable.
Speaker 2:Unbelievable.
Speaker 1:But he was unbelievable Superb, so things are good there, mate.
Speaker 3:Things that I touch in, I touch them with that Things are very good, I'm not going to complain. I'm not going to complain. If I did, nobody would listen anyway.
Speaker 2:We'll wait for the cycling invite now in Spain.
Speaker 3:Absolutely. Next year you fly downhill, I'll carry the bag you fly downhill, Brilliant downhill.
Speaker 2:Yeah, you absolutely muller downhill.
Speaker 1:Oh God, I'll be one of those guys. I passed to some guy the other day in his re-tied bike.
Speaker 2:He was a massive beer belly. I was thinking you should really be wearing like a high-pitched bike.
Speaker 1:There's a lot of that around, isn't there? There's a lot of that around. You're thinking that, like there's really a bit of aerodynamics, you've got a big problem there. Anyway, it feels good, though it feels good.
Speaker 3:It does feel good Until you look in the mirror. And then you realise it doesn't look that good, exactly, but it's very necessary. It's necessary when you're on the bike, you know, yeah, when you're on a bike and your jacket's flapping?
Speaker 1:No, you can't. No, you can't. Of course you can. It's not going to work.
Speaker 3:It's not going to work.
Speaker 1:I get that. It's like wearing speedos, isn't it? No?
Speaker 2:We probably need to cut this short now, because we're going into an area we don't need to talk about it.
Speaker 1:was good to see you though.
Speaker 3:Yeah, good to see you guys, thanks for inviting me back. Thank you, and no doubt we'll catch up again in a new year.
Speaker 2:Absolutely To part three.
Speaker 3:Part three yeah, 3.0. 3.0. Cheers, guys, cheers, ligga you.
.jpg)
