I guess I imagine you take a different approach with this, but do you think that other people realize that, that it's not just a cookie cutter approach, that like a different approach needs to be taken to the conventional way? Yeah.

Absolutely.

Whatever client is sat in front of me, whether they play football, whether they run a small business, a large business, whether they have just received an inheritance and never worked, no financial plan will be the same.

There's always going to be different.

But there are nuances to particularly footballers that mean Even knowing that the plan isn't going to be the same, the availability of the tools are also not going to be the same.

So, for example, there's very few footballers that can utilize pensions because of their earnings and because...

They don't have the ability to pay it in because it goes from earning very modestly at scholar wages to next minute earning a lot of money and paying a lot of tax.

Do you think that people who going into the industry should maybe have a think about creating a niche or... you know having a bit of an edge to them that's not just being like a general financial advisor or do you still think there's space for people to just cover all types of clients are not needing to have a specific focus

Mm.

Um, and that isn't the reality that I see.

A high income does not equal wealth, and it does not remove fears, anxiety, worries, pressures.

Um, so beyond a p- a certain threshold, and I think there is studies on this, but I'm not gonna cite them in case I've got the date wrong or something.

Um, but beyond a certain threshold-Everything that you think you are chasing won't actually be the reality you think it will give you, and I see that time and time again, that people earning a lot of money are still very isolated, still feel an emptiness, still have problems at home, um, see breakdown family units, start having expensive decisions, complications.

You know, more money can create more problems for people, and they start coming with a bigger price tag, and I'm not necessarily saying at that £100,000 threshold, um, but I definitely see the more you earn, the more you think earning more will get you closer to a version of reality that you think will make you happy, and actually all it does is leave you feeling quite empty on quite a lonely journey.

Um, I think £100,000 is quite a pivotal one in the UK for a lot of people.

Mm.