Kel Galavan

Wouldn't it be nice if the government had that and they could use that?

If it's a bond, they could use that.

Even I can understand that.

Exactly.

And just up the rate.

This is my opinion on things.

Yes.

On the other side, Irish people do have the ability to invest.

But unfortunately, the way the tax system is, it's penal and it's punitive.

And complicated.

And complicated.

And it does not need to be.

And most people, they're scared off by that because we have been burned by investments in the past.

I'm afraid to say air cum shares of people run away crying.

The few of us that are brave enough to go ahead and learn the skill of investing, which is a life skill, right?

It absolutely is.

And I shouldn't say afraid.

I think you should embrace it anyway, but understand what you're doing.

the products that are available tend to be taxed really heavily and they fall under deemed disposal.

And the irony is with the way Ireland is now and how we earn our money, the two main ways most Irish people grow wealth is through real estate.