Donncha O'Callaghan

But I think that was the initial problem because an awful lot of them post-retirement were going bankrupt within maybe three years of it.

Exactly for what you're saying.

Like, to be fair, we all probably have a good idea when you come away from it and hopefully you...

you might have profile and a bit of a name, but it's making the right decisions, isn't it?

It's kind of like we've seen it with some of our teammates, you know what I mean?

Investing and getting involved in stuff that doesn't go well to no one's fault or whatever it is.

It is, and it's quite a herd mentality.

I do think, and I must give him a bit of credit, I remember Mick Carney coming in as the Irish team manager and just being kind of straight-talking enough and actually saying that point of, look...

you're not going to be able to not play rugby, or sorry, to live off what you've earned with rugby.

But one of the big areas, get and control your mortgage.

You know what I mean?

I remember he was there, like, get after the mortgage.

That was his big thing.

And I know it's quite old school kind of mentality.

It's like something your older brother or your dad would tell you.

But like, there's a lot to be said to it.

Yeah, but I think as well, Tommy, I don't mean to be harsh, but it was of the time as well, wasn't it?

It was that Celtic Tiger as well.

Like I know fellas that weren't involved in our, you know what I mean, fairs and friends that got scorched as well.

It was just bananas time around the place.