Kel Galavan

Yes.

And we're just not there yet in Ireland.

And I hope we do get there.

I would love to get to a point where renting was an actual valuable proposition for some people.

And I think that is important.

It will be a messy transition.

Yeah.

It will be, but it means that overall, if we can go to a more European model...

where it is affordable to rent for a decade or two decades at a time.

And you have assurances that you get to keep that house for that length of time.

So you could rent a lovely family house, rear your family in it, and then downsize to an apartment when they're flowing the coop.

And that's a reasonable proposition financially as well as lifestyle.

Number seven is having an emergency fund.

This is an important one because people hate emergency funds because we live in a very expensive country.

The cost of living here is quite high.

And to say to somebody, look, I'd like if you took three to six months of your living expenses and locked it away in a savings account, you're not going to get that much of a return on it.

There's going to be 33% dirt on the little bit that you do earn.

You can't touch it.

That's a big ask.

And as a result, a lot of people won't want to do it.