[laughs]

Um, but I do, but I do invest, um, via my pension as well, and again, I get the tax relief, um, from that.

So, but I, I'm very disciplined.

Um, you know, I have to make sacrifices and, and I think that the problem today is that people are unwilling to make sacrifices.

There are a lot of people, and, and I completely understand the situation because, um, I speak to so many of my friends and I, even I'm in the position.

I, I earn good money, but I can't afford to buy a property at the moment, and there are so many people out there who are saying, "I can't afford to save." My advice would be, and I had this conversation with my brother, um, only a couple of weeks ago.

He, he said to me, "I want to start saving, uh, in my ISA." I was like, "Fantastic." Um, "Can I, should I put away £400?" I was like, "I don't know because I...

71%.