I think that's what people often forget is that your finances is flexible and just because you are deciding to invest or you're putting money towards your children's future and things like that it doesn't mean it's the be all or end all and that you can't ever stop I guess and that's something I'm kind of becoming to become comfortable with now that I've purchased my own flat and maybe I can't invest as much as I previously used to and so it's about okay just because I can't invest x amount anymore I'm still investing and it's better than doing nothing would you agree?

Yes, I think anything is better than nothing.

And I do think that one of the things that I always say when it comes to saving is to make it easier on yourself is to make everything come out of your bank account on payday.

Yes.

So when you wake up, it's already gone.

It's a bit like your pension coming out of your paycheck.

Yeah.

England on a kind of a whim when I was 23 and I closed my