I just don't want, I don't know, with all the war and everything, I just don't want it.

I know, I think a lot of people are thinking that, like, because they were saying on the radio as well, like,

the number of babies born is down a lot, people aren't having it, because they think they can't afford it,

and they can't, they don't know what's the point of bringing this world, like, and the cost of everything,

like, it happens when people are richer, they have more kids, because they can afford to feed them,

they don't want to feed them, they want to have an amazing life, so you have to give them everything,

school, university, take them around the world, and you can't do that now.

I wish I'd been born, there wasn't any computers, there wasn't any chips, just after the war, the free sport.

Those people had the best life, that's my mother's generation.

They're born just after that war, we didn't have any of that, all natural outdoor playing and supporting kids,

and that time.

You would get any normal job, work in a shop, in ten years you would own your own house,

and not even pay any more mortgage, and now those people, they're old, and they say,

okay, I don't need any more five bedrooms house, I'm going to sell it, and it's one and a half million in Sheffield,

for a big house in a nice area, one and a half million, and then, oh, what shall I do, I'll buy a sports car,

that's why so many old people are driving the nice things.

They move to a flat, when they're old, or even a smaller house, a nice one in the village, countryside,

with a nice garden, and a nice countryside, and get a nice brand new car, and still got a million pound in their account.

And they end up helping the kids, oh, it's the parents' generation, giving the kids money to help them with the project,

to buy their first house, even those that solicit to our doctor, they still can't buy it.

Oh, the first house, even getter said, you know, in five years, I wish you told me that you told me when I moved here.

What?

That, you know, for first buyers, the bank is helping itself, like you can,

you give, like, you can put in one, one hundred, for example, you know, and in five years, you can just buy a house.

They're not helping, it's called a lifetime ISA.

Yeah, but what is higher?

My brother did it, and he regretted it, because you don't get, if you could save the hundred pounds,

and put in normal savings account, you get more.

Oh, really?

Yeah, you would get more in a normal ISA.

But not in bulk price, will not be...

No, no, but if you really saved a hundred pounds a month,

Yeah.

we would open a very good,

savings account, where you get a very good interest, but you're tired for five years, or something like that.

But if you, but you, if you'd saved a hundred pounds a month, after three years, you've got four thousand pounds,

you probably wouldn't buy a thing, but I'm not, yeah, we can open it, it's tax-free.

The thing about that is about tax, because if you make money from the interest, you have to pay tax on it.

So if you make, you put one thousand, you get every year fifty extra in interest, but they take ten from tax.

Mm-hmm.

If you've got a lot of money, if you and me do it, we don't pay anything, anything.

No, all I want is one house.

There's another thing I thought you were talking about, the help to buy, if it's your first home.

Yeah, but it, yes.

Something else.

Because, yeah, we, it is given after, like, a lot of money to add as well, if you're not touching.

That's something slightly different, that's connected, that's called help to buy, if it's your first house.

It's not that easy, you still need about at least twenty thousand, it's not that easy to get, but also...

Yeah, but...

No, I know people who have it, a lot of people from my community, but all of them don't carry it as well, because you don't buy on the house then, so if you see a house, and it's...

So what do you, like, the...

No, say you want to buy a house, one hundred thousand, I mean, really, you should go a bit more, like, for a nice one, one hundred thousand, you've saved ten thousand.

How much would you get a good cent in five years? It's still a lot.

You can put, nobody stopped you saving, whether you got that account or you just put in normal savings, nobody stopped you saving money, but you didn't.

And I didn't.

I couldn't anymore, this account.

And I couldn't, that's what I'm saying. It didn't change, if you had that account, it didn't change if you didn't have the money to put in it.

That's what I'm saying.

But if I put, like, every week, like, fifty pounds?

If you can do it, yeah, in an account, you cannot take it out, it's locked.

I want to try to do it.

I mean, I tried to set it before for you, and, like, anyway, fifty pounds a week.

We did, yeah, buy a house, but my house didn't give...

If you can put fifty pounds...

But it doesn't matter the percent.

The difference between three and a half and four percent, it makes ten pounds in a year, not even that difference.

It's just the fact that you're saving it that's important.

Yes, we can find best interest as well, but even if you get zero interest, it is saving the money.

If you can't save it, you can't save it.

If you can, you're already, most of it's what you save, not what you give.

I mean, fifty pounds per week is...

If you can put fifty pounds a week in it, every year you'll save two thousand five hundred pounds.