got are pensions you know, we've got to think very, very logically and carefully about how we future proof our finances. >> and people don't tend to so that there are an awful lot of things that you can you can put in place. but i fully intend to be on that cruise to be bungee jumping off something at 65. >> and this whole thing you're talking about helping early. there's long been the mantra give away early and give away a lot. there's the seven year rule and that, you know, if you give and that, you know, if you give a large gift to your children or your grandchildren , then the your grandchildren, then the government can't take any tax on it. but that is also possibly going to change. so nobody really knows where they stand anymore. but we were talking a little bit earlier in the programme about the margaret thatcher model, which was she had two children, didn't she.7 she had two children, didn't she? she gave one third to one child, one third to the other, and the final third to her grandchildren. and that really launched them into the world. so is that something that you might consider splitting it perhaps six ways? josh, five bits for your kids and a final bit for the grandchildren. >> well, i like sally's idea and

i'd like to her call up my parents after the show and say, give josh all your money. now. that's what i'm hoping . that's what i'm hoping. >> but you see the idea, sally , >> but you see the idea, sally, that you have. i mean, i'm i'm a lot older than you, but i was promised, you know, that by the time i was in my 40s or 50s or so, i would be. well, retired. well, early that, you know , well, early that, you know, people like me would have so much money you could retire on. you could go on those cruises and whatever. but it isn't the case because as you get older, you find out you always need money. you always need it. >> yeah, well, this is it. i think , you know, the whole think, you know, the whole concept of retiring and older age has changed so much. you know, we don't expect to retire at all. it used to be 65 or even 60 for women. and now it's not. and by the time it gets around, to me, it will probably be 70 or 75. yeah. so i fully expect to keep contributing to my own coffers . and also the, you know,

coffers. and also the, you know, the state coffers for a lot longer than, than in previous generations . but alongside that, generations. but alongside that, you know, i don't want to slip into this grey, permed old age. i want to still be vital. i want to still have a really full and interesting life. and i think there is that expectation now. the older generation . the older generation. >> sally, what is your expectation of rachel reeves then in the budget? i mean, do you think whether this budget or subsequent budgets, she's going to come looking for profits on property? >> i have a horrible feeling that it's on the agenda. yes, because they've been very quiet about it. i know a lot of people are starting to look at liquidating some of their portfolio assets , houses, etc. portfolio assets, houses, etc. in my business, i do not personal friends because they're worried about it. they're worried about it. they're worried about it. they're worried about capital gains, they're worried about inheritance and worried about trust structure . trust structure. >> what can you do that quickly with two weeks to go, stick everything into a tax free isa asap if you haven't already maxed it out, it's going to be

tncky. tricky. >> yeah, it's going to be very tricky, but people are putting stuff on on the market because hopefully, i mean, it could happen overnight. but if there are any changes, they might not come in until the next tax year. hard luck. what i'm suggestion. >> yeah . sorry. >> yeah. sorry. >> yeah. sorry. >> i just wanted to say that if you give the money now, then you have an incentive for your children to keep you alive for another seven years. that's all i wanted to say . i wanted to say. >> just. that's a good, good incentive. >> good incentive. guys, we've got to love you and leave you. sally and josh. thank you both. yeah. thank you very much indeed. appreciate it. >> thank you. laura's got in touch. she said parents need to make their assets work for both themselves and their children. and i think that's pretty much what my philosophy will be when it comes to my. what? i leave my kids. >> but going to leave you paul coyte. he's got the sport right after this.

>> paul coyte is here with all the latest sports news and it's pep guardiola making the headunes pep guardiola making the headlines again. >> do we want him? i think we probably do. i think every engush probably do. i think every english fan would love pep guardiola to be the next england manager. so he's out of contract with manchester city at the end of the season. he's hedging his bets because he's probably thinking what's going on with this court case? we don't know what's going to go on with with that. with these 115 charges, shall i stick around , shan't i? shall i stick around, shan't i? england apparently have made informal contact with pep . the informal contact with pep. the fa did so just seeing what he thinks. but he's not really saying anything. they're not saying anything. they're not saying anything. they're not saying anything. it's going to cost a fortune. he would be everybody's choice. but will it happen ? i really don't know. it happen? i really don't know. it doesn't look like lee carsley is going to continue after these next two games anyway. so who's it going to be? great to be pep, but i'm not so sure. but we'll have to wait a little bit longer. everybody's very quiet

about the whole thing. >> we've got some of these nafions >> we've got some of these nations cup games, some of which happened, some which didn't. wales had a result last night. >> yep. harry wilson penalty, which means that wales beat montenegro one nil. craig bellamy, the first welsh manager or first wales manager to be unbeaten in their first four games. good boy. one, two. drawn. two. brennan johnson was out. jordan james suspended. aaron ramsey ethan ampadu some great players that they have or their best players, but i think he would be a good motivator. i think he would as well. he loves a bit of the old dark arts as well, doesn't he? he's what likes the dark arts. you know what i mean? he knows. he knows when to leave his foot in, when he needs to know. sometimes you need a bit of that from time to time. not that i'm having a go at him, but even so, you know, i think he'll be good for. he'll be good for wales. >> now, tell us about nigeria and what journey they went on. yeah , this is bizarre. yeah, this is bizarre. >> so nigeria are supposed to be playing libya tonight and they've boycotted the game. they said they're not going to play now over something that happened

when they actually travelled to libya. what happened to the match? well, they were due to land in benghazi , which is where land in benghazi, which is where the match is about to take. it is benghazi. well, that's in libya. what do you want to know? what area of libya? it's northwest. >> it haven't been. >> it haven't been. >> it's in libya where they're supposed to go there. but the plane was diverted. nobody seemed to say why it was diverted to el abraq, which, by the way, as i'm sure you know, is around 155 miles away from benghazi. >> and what would the facilities at where is it? >> benghazi. in bric a brac. >> benghazi. in bric a brac. >> el brac. b what were the facilities? >> b what do you mean toilet facilities? restaurant facilities? >> any facility, first class lounge. >> well, we'll put it this way. there's not a lot there. so they were completely abandoned and they were left there. here they are. this is them arriving back home 16 hours. they were left in this airport. they were saying, we felt as if we were under arrest. they were locked in the terminal building. no food , no terminal building. no food, no drink, no facilities whatsoever. and anyway, the interesting

thing is that they actually played the first leg of this game on friday in nigeria. and libyans were saying we were treated very badly. there , treated very badly. there, whereas now the libyan fa are saying, well, you know, we tried to look after. there's something funny going on there. so nigeria decided, you know what, we're not having any of this . we're not having any of this. we're going to fly home. so it was all to try and gain some sort of advantage. advantage, by the look of things, keep me up east. >> keepy uppies how good are you at keepy? uppies i could get about ten maximum ten. >> what in your prime? ten in my prime? yeah, yeah, i'm about 12in my prime. yeah, not very good. >> when was your prime out of interest? what age do you think the prime was? >> i reckon about six months ago. >> yeah. good. yeah, i remember about you bet. >> yeah, yeah. i'm 1536