Chris Budd

What will I get from that?

How will I find purpose and meaning in life?

What are the things that will give me long-term joy and wellbeing?

And then you start with step one.

You go back to step one and say, how much money will I need to do those things?

But what we tend to do is we tend to start with step one, ask ourselves, how much money do I need, without thinking, what for?

What is that money for?

So I think we're starting in the wrong place when it comes to money.

We're starting to think about money when we should be starting to think about happiness.

So though we were percentage, but we logged time.

I could solicit a word.

Yeah, justify my time.

I logged all hours for me and everybody who worked for me.

I sold Ovation Finance back in 2018 to an employee ownership trust, which is another whole topic.

But yeah, when I ran it, we were fee-based.

And back in 98, when I started like that, I was quite literally laughed at by my peers.

Literally, in one case, laughed in my face.

And then they're all doing it now.

So back in those days, in the 90s, you got paid a percentage for selling an investment product or a life insurance product.

To be fair, that got abolished for investments and pensions, got abolished in the Retail Distribution Review whenever that was.