Kel Galavan

You are bombarded with new thing trends, this new thing.

And you walk down the street and you see like beautiful things and beautiful experiences and like marketing and advertising.

It is so hard to take that step back and go, huh, OK, I'm going to have a slightly older car for a long time.

I'm going to rent a tiny apartment until I'm ready for this.

I'm going to not buy...

close or go on holiday for this in time because I want something more.

But it is very, very hard to make that decision to go, I'm going to pull back so I could clear the debt, get the deposit and do that quietly.

And I remember myself when I did the no spend year, half the people I knew thought that I was losing it.

I was gone bonkers altogether.

What do you mean you're not spending money for a year?

And there was assumptions made that I was

really poor or there was some big debt issue.

Now, the debt issue was a recession 10 years before that and we got caught with a house that we couldn't sell and all that kind of thing.

It wasn't necessarily overspending, but there was a social pushback when I did that initially because the idea of no spend year in Ireland was there must be something wrong in her life if she's doing this, as opposed to I wanted to build for something bigger and better and

And ultimately, I was going for more stability and ideally financial freedom.

That was what I wanted.

And I wanted to be able to give that to my family and my kids.

But it's very hard to explain that.

So this is another big one, particularly in this market where...

buying a home could be out of reach for an entire generation.