Those who earn money know best how to spend it.

The first rule of management is delegation. Don't try and do everything yourself because you can't.

I do not think we should tax people to a point where they are looking for tax loopholes and getting their money out of the country.

A lot of people live in a property that will one day be part of their pension, and that is true for me too. I have an investment I can sell with ease.

Unless you completely understand the investment world, do not mess around with it. It is not something I would go anywhere near.

Run a home like you would a small business and treat it with the same seriousness.

I am now at the age where I can withdraw a 25 per cent tax-free lump sum. I do not put in a set amount because my earnings are a moveable feast.