The treble parade would have been the most perfect moment of my footballing life, but for the two people standing behind me, clearly already plotting their next move.

I used to hate Ian Rush when I was young, because I was a devout Evertonian in those days, and he seemed to score every time Liverpool played against us. It's strange to think he used to support Everton too when he was a kid. He was brilliant to me at Anfield always giving me good advice.

After spending so much money Liverpool were a lot further behind the leaders when Houllier left than before he arrived

Houllier did what he had to do – I’m not the first person to be treated like a disposable commodity

The money I try and earn is for my family. It's not for me. It's always about my family.

It sounds mercenary and it smacks of rats leaving the sinking ship. But get real, when everyone is bailing out, you don't want to be the last man standing.

As a young kid, I wasn't really interested at that stage - getting financial advice was far from my mind. I was focused on playing football. But I got onboard with this financial adviser and I heeded his advice, and that was my smartest money decision.