Clare Byrne

Exactly.

So have it coming out of your salaries mandated.

Let's say, for example, on the 26th of the month, have the direct debit going out or your standing order into your savings account, maybe on the 27th.

Try and have it in a separate account so that you're not dipping in and out of the account.

And then consistency is key.

So the consistency of it, making sure that it's always going into the account, but also compounding.

Don't put it into something that is not going to get you a decent interest rate or that's not going to benefit from compounding because consistency, financial consistency is so important to make sure that you build your wealth.

We're all very, you know, thinking about being cautious in terms of our investments and people like to see their money sitting there, you know, in the deposit account, particularly if they need access to it.

But you know, the thing is, is that do take risk.

You need to take risk with your money to build your wealth.

Well, it's funny because most people will kind of, you know, if you do a risk profile questionnaire, they will come out maybe at a risk profile four out of seven, which is, you know, middle of the road average.

But it depends on the length of the actual investment.

So if it's short term investment, well, then obviously lower risk because you need to get the money back in a shorter period of time.

But if it's a longer term investment and longer term investment, be more than five years longer.

So if you're looking at that, then you can take risk and you need to take risk and have diversification within your savings and investments as well.

Yeah, absolutely.

Look, people are living longer as well.

So, you know, longevity is there, higher tax rates, the older that we all get, you have more ability to put into your pension, for example, more, you know, tax relief.

So if you're putting into your pension, there's more availability there.

So, you know, it's loads and loads of time because particularly now people...