Abi Hookway | Single Mum to Multi-Million Property Investor | Extraordinary Life Stories

0:00If something's wrong with the system in our country, is this why we're not getting it right? Because we've got campaign teams, politicians being told to fire at each other. Why are we not trying to fix where the UK is to make us better? Tell me, who is Abi Hookway? A mum of two and I've become a property investor and now I help other people to invest in property and make money. There's a proper pivot in there somewhere, isn't there? I went through a divorce, found myself on my own with two small kids under five, 24 grand in stupid credit card debt that I was really embarrassed about and that's when I knew that I needed to do something different.

0:33Daddy hard at school pass exams and you can get a good job I could never envisage what the job would be. So schools were created to create good workers at the time we needed workers we needed you know good citizens and that's what schools were there for then when you look at the curriculum today the curriculum hasn't changed. I'd like to make a difference because I'm upset about the way the country's going and I'm upset that a lot of successful people are forced out. I don't want to leave the UK, I want to raise my children here. What's that one piece of advice that you would give the younger version of you?

1:06The one piece of advice would be...

1:21Sorry to interrupt. I've never asked this before, but if you can subscribe and follow, that will allow me to keep bringing extraordinary guests onto the show. Now let's get back to it.

1:34Thank you so much for having me on. You know how much I'm looking forward to this conversation. Great. Tell me, who is Abbey Hookway? So I am a mum of two. I'm just, I was born in Yorkshire and I've become a property investor and now I help other people to invest in property and make money. There's a proper pivot in there somewhere isn't there? So tell me through that sort of journey from what you were doing to how what you're doing now. So I'm a normal person people look at me and they think I'm something that I'm not. I was born on a council estate, brought over a single mom, we were the benefits family, we had nothing growing up.

2:07I then grew up and thought I don't want any of that I'm going to deliver my life differently and at the age of 31 I got into a lot of financial difficulty I went through a divorce found myself on my own with two small kids under five 24 grand in stupid credit card debt that I was really embarrassed about and like what on earth happened to me I thought I followed the path and I didn't want to get into a mess like you know like how I was growing up with with not a lot and you know laying awake at night worrying about things and that's when I knew that I needed to do something different because my nine-to-five job would never ever take me and give me the freedom or security for me and my kids.

2:47So that was the entrepreneurial journey. That was the whole kind of spark where you've got a pain point. You've got to run away from something, but also you've got to run towards taking control of your own destiny. So what did you do? Well, I got on the internet, as you do, late at night thinking there must be something out there. And I'd always loved property. I'd, you know, watched all the channels, location, location, location, homes under the hammer. and I was like, how can someone like me do it? And I found this guy called Paul Smith and he was talking about how you can use other people's money to buy property.

3:17And nobody, I didn't even know that. It blew my mind. So I set out, got educated and went and did my first deal. Like literally in debt, my credit rating was terrible. Single mum, I lived in a little terrace, like little house with the kids and I just decided, well, I'm gonna try. Yeah. So this is a deal just because, So anyone watching, listening from a property point of view, is this a deal that you brokered and facilitated? Or is this a deal where you actually bought the property, took it through refurbishment and then exited it as a flip? Bought it, yeah. Right. So straight in. Yes. The first deal wasn't a kind of just flipping it on or, you know what I mean, and making a margin.

3:54Are you with me? You went straight in on a proper project. Yeah. The first deal was a rent to rent, actually. So I went to the Peak District and saw these two little properties to rent. I rented them with a landlord's consent put them on booking.com airbnb and started to make money and I was like oh this this might actually work I mean it's scary so early validation yeah at the time I couldn't even I was just paying my own rent never mind you know try and pay take on two more but that just literally you know you have the light bulb moment where your life changes so I can remember I'd set up these two little properties they'd gone live in the April and it was end of May, yeah, end of April, end of May.

4:35And I'd worked for BT. I worked for the call centre at the time, you know, just, you know, and I got my payslip from the call centre and it said that I'd earned£2 ,400, but I had earned that money. I'd worked every day. I was always panicking that my boss was going to sack me. I was on my own, my kids. And then I got my managing agent from these two little properties. So I lived an hour away from them. So I had to have an agent manage them, manage, you know, the cleaners, deal with the guests. So I didn't do any of that, but they looked after it for me. So I had my statement. And when I deducted my rent to the landlord, your utilities, insurance, everything you need to run like a holiday let, these two little properties, I'd made£3 ,200.

5:17And I was looking at this money and looking at my payslip and I was like, we're all taught the wrong thing at school. I was taught to work hard, put every hour in. I've not worked for these two little properties, but because of what I know, I've been able to set them up and made that amount of money. And after that, that was a game changer. And then that gave me the confidence to go and physically buy property and leverage other people's money. Thank you for explaining that. I think that's important because there's property deals and property deals. And actually, you know, what that allowed you to do is, you know, you could replicate.

5:50You could scale. That must have been exciting. Living on that 2 ,400, which you grafted for and had no life outside of to realizing that you know there's a financial stability that can come alongside actually ramping this right up it's scary though so I rang my mum I was like oh my god they've made this much money and my mum was not on board she was like all the scam this property thing only rich people do property we think you you know you've gone to Lulu my mum's like well it's because it's in the summer you wait to the winter they won't cover their costs in the winter but I knew I'd done my right research and due diligence and they did I think my first year they made me about 22 grand after I paid everything and the agent because I didn't I didn't manage them they were all done for me so yeah it was really life-changing.

6:32That seems to know how the advice from people that genuinely care and love you but they haven't done it and it's scary because I was brought up and this is a really key kind of common denominator to our conversation I was brought up around a family that had been employed not entrepreneurial so there was the real emphasis on past your exams study hard at school past exams and you can get a good job I could never envisage what the job would be so I didn't know what I wanted to do and it was only going into that entrepreneurial journey and then the whole realisation oh well if I actually focus on myself I can then determine my own destiny if you like how much I earn but that came to me a lot later yeah than I'd have liked because you're not taught that in schools no why are we not taught financial education and the routes to property investing and other ways of ultimately making money a different way to the traditional way.

7:25I'm not giving up. I am selling the building. The final season of FX is the Bear. The restaurant is flooded. Everything's either going to be okay. No, stop. Or not. We are outgunned and we are outmanned, but we have each other. FX is the Bear, the final season. All episodes now streaming on Disney+. I've looked into this a lot, and I think it goes back to the roots of why schools were created. So schools were created to create good workers. At the time, we needed workers, we needed, you know, good citizens, and that's what schools were there for, to create good workers. Now, if you go back in time and look at, like, the rich mine owners, they didn't send their kids to school, they homeschooled their children, and their children were brought into the business at ages 14 and 15, and their children learned what they needed to learn, where everyone else, we went to school to become workers, not to become financially free.

8:26So then when you look at the curriculum today, the curriculum hasn't changed. It's basically the same what we've been teaching. And this is why so many people get into financial difficulty now in today's world, because we're operating on advice from our parents who learned it from their parents. And it's the same advice that doesn't work and then nobody's teaching and that's how I thought my mum got into financial difficulty she was you know on benefits I then grew up and said I don't want to be like that but all I'd known was my mum and how she managed money and I got myself in that state. It's interesting now you're right the whole feeding what was industry and which basically means it's archaic and out of date but it's not being brought up to date and so there's repeating patterns and now with AI to replacing so many jobs.

9:12So university is not a guarantee to go and get a good job, which is where that all feeds into. That now feels almost like a bit of a lie. Like there are really horrible damning stats in the mental health side of things with students that are like, well, I followed the system. I did what I was told to do. I can't get a job. Yeah. It's scary, isn't it? I think I read an article about the big four accountancy firms in London cut graduate recruitment by 29 % last year so imagine you've done your degree you're about to be an accountant or financial expert you go and get a job and you can't even get a job now you're left with all this student debt aren't you you now then can't get a job or do because AI is replacing and that's what the companies are doing and it's um it's funny because um I've sent my kids to private school now because I want them not the education but I want them to have the network because I believe who you're around with really, really matters.

10:04But then you look at the private education system and even they're not getting it as much as I would like them to get it. They're a little bit ahead of normal schools, but it's like, can everybody wake up? Because in 10 years time, what you're teaching our children to do, the jobs are not going to be here. My two daughters are 15 and 16. So as we sit here now, next week GCSE results come through tomorrow. And my youngest has some of hers as well. there's still a pressure from uh friendship groups and parents where they're like what your kids aren't going to do a levels or they're not going to do um university teachers but the that route just doesn't because there's not one thing particularly academically that they want to do it doesn't feel like it so it's all about now life experience it's all about actually you know the the learnings from yeah the lived experience of proper role models onto which i'm pointing at you because that's how I see you.

10:54And I think I wanted to cover that because that storytelling piece, which your story is so compelling and so inspiring. How many people have you inspired to now kind of either, not necessarily do what you're doing, but to break away from what is that traditional, I work for my payslip to actually now become more entrepreneurial? I measure it maybe on my social media, which is telling me I reach about 25 million people a week. so I'm hoping that that's a lot of people so whether they want to come and learn with me or whether I've inspired them on part of their wealth journey I mean that's phenomenal it is really cool and what's so hard to build that up as well I have worked really hard and what's lovely is you know I have young people like I had a 17 year old and a few months ago reach out you know he doesn't want to go to uni he understands and his parents have said you know we'll support you either way but you're not getting any money so go out onto the world and make it and you know and he's come to learned from me to do property flipping.

11:49He said, I'd love to flip property and bring back, you know, properties. He's got a few properties around him that have been empty for a long time and he doesn't understand with the housing crisis, why are these properties empty? And I'm like, that's exactly what we're here to do. People think, you know, property investors and people like me are bad. We take people's homes, but they're missing that we actually, we're taking the homes that nobody wants to touch and putting them back into the community, either rentals or we sell them to families but at 17 I love the fact that he's seen my Instagram decided he doesn't want to go to you and he's you know that's what makes me proud inspiring so there's so I've been in property development for a long time on a on a that sort of a big scale of building 100 150 apartments taking the risk on the market which has actually gone very well for me and it's also gone particularly badly for me I don't mind showing that to you but that my pivot to be sitting with you because I actually, I probably needed you in my life about four years ago or pre that when I was doing those deals that they ended up being completely affected by external factors.

12:51Grenfell Tower fallout. Oh gosh. The interest rate rises, COVID, everyone moved out of the town centre. Yes. And I'm sharing that with you because you can get property right and get it wrong. Yeah. Feels like the majority of the time you're getting it right. And I want to know if you have got it wrong and what lessons you've learned I have got it wrong and I tell you so my first year in property I did my rent to rents and I did a property flip I made um 72 grand from that one property but overall I made 148 grand so I've done it I'm free I'm not in my call center me and my kids bought a house we've got a bit of a better life so here's when my ego comes in we're like we're great we know what we're doing I'm an expert I'm an expert now look at me I've done it for a I can make money and then I go and buy another project which was my own fault I didn't properly see the numbers bought it at auction and I can remember going around my builder and he went what have you done here then and I was like I don't know what I've done this is really early in your journey yeah it was a real old railway station and my plan was to bring it back up and to make it into a lovely house and keep it and rent it out yeah but when we crunched the numbers because any way I tried to do it, to flip it, refurb it, because like it, mains lines need to be brought in.

14:07You have to shut the railway. I had no idea of any of this and my fault. I didn't ask my coach. I didn't get help because obviously I know what I'm doing at this point. So yeah, so and I'd lent from an investor 300 ,000, which was still quite scary thing lending money at that point in my journey. And it felt nervy that I owed my dentist 300 ,000 actually. So he'd come I completely like realised what I'd done, had the investor there who was expecting me to refurb this and, you know, give him his money back. But luckily, I put it back out for auction. I thought, I just can't do it. I just need to flip it on and take whatever loss.

14:44And I managed to sell it. And I think all in, I maybe walked away minus two grand. But that was a massive lesson to me that I have to do my due diligence before. And I can't let my ego run away just thinking I know what I'm doing. Everything needs to be checked. But I'm so glad I got that one so wrong. I'm saying I only lost two grand but it's the mind isn't it the focus because for it took about five months to sell it and I was panicking and I was stressed and I kept thinking it's going to come for me and come for my little house I've got with my kids and oh my gosh what have I done um but it could have prevented the rest of the journey as well but you'd have this phenomenal start and then that could have undone you it could have smashed your confidence yeah uh and then the that's sitting here now doing these numbers and with the size of the portfolio what is the size of your portfolio now at just over 10 million that's phenomenal in what time right 10 years yeah i have had kids and i've been doing i keep saying to people you could have i could have probably done it in about two or three years if i'd have really cracked on but obviously my kids were less than five at the time and i wanted more time to spend with them so i didn't build no you don't so i didn't build as fast but yeah that was such a good lesson that that wake-up call for me and then that next year I think I went and did two million pounds worth of property and bigger deals but because I've failed on that one I've got the bigger ones right and I always say to people I don't feel like I've failed I feel like it's just lessons it's just lessons on my past yeah and then dare I say if you hadn't had that experience at some point further down the line you'd have had another one and that could have been that could have been worse yeah I think it's really important to acknowledge that that whole kind of you learn from the failures and and they're bumping the road with an obstacle, if you like, flipping that to being successful.

16:28There's an early version of you that would have answered this very differently, but sitting here now, how do you define success? I think success is having inner peace. I don't think anybody's ever happy all the time. I don't think we're sad all the time. I think having peace of mind and being able to enjoy every day and where you are and be grateful for what you've got, for me, that's success. I couldn't have done it 10 years ago because my mind was such so in a panic about money and stressing and thinking I was going to lose my little rental home or the boss is going to sat me or anything but when you when you get to a level or for me I've got you know the money in the bank my children are healthy I've got my health just just having peace of mind back I think is success whatever you decide to do in life yeah there's another piece to this that I I think you'll identify with is I feel like there was a real need for you to survive and get out of a very difficult situation and a whole realization moment that you don't want to live like this anymore and you want to create your own financial security and make your own decision making around how you live your life.

17:32But very quickly, I feel like you then very much lent into wanting to give back. I want to cover that because so many people accumulate wealth and very closed off and very selfish and the ego. So whereas with you, there's a giving element and there's an element of wanting to share, wanting to help, which goes back to just how many millions of people you're engaging with each week. When did that start? Because you had the survival element. Then you would have flipped that into, I want to help people. I'm not giving up. I am selling the building. The final season of FX is the bear. The restaurant is flooded.

18:10everything's either going to be okay or not we are outgunned and we are outmanned but we have each other fx is the bear the final season all episodes now streaming on disney plus it was a conversation um with paul my mentor you know we were talking about three years in how far I'd come. And he asked me to, you know, talk to a group of people. So and just tell them what I'd done and how far I'd come. And Paul reminded me at the time when I decided to wake up and I needed to do something, I'd actually been to the doctors and been diagnosed with depression, which was really hard for me because I was stupid and young and I felt that mental health was just a stupid thing that everyone was talking about.

18:57And depression was, you know, a convenient label. and I'd never experienced it myself and to experience the darkness and you know for me it was I just wanted to sleep all the time and it was quite a dark place and then to come out of it to to build them do something build the money and then just feel at peace and not have that and me and Paul were talking and we realized that I don't know if you know this but 70 % of mental health challenges right now is caused by lack of money and when I figured that out when Paul was talking to me and Paul said you know you've come so far I think at the time I had about a four million pound portfolio he said you've got this portfolio you've done all these flips look how your life's changed and how you've taken it he said you know because I was just you know with the kids back and forth school doing bits and bobs but I wasn't really doing much and I suppose I've got to a comfortable level but I needed something else and he was like why don't you go and teach come and teach come and teach people and I was absolutely petrified because I'm just I'd be from donk I know I'm a single mom you know I've just managed to get lucky somehow and do it you know for me to teach other people and show them and Paul was saying that you're inspiring when you speak God's giving you a voice for a reason Abby you go and you shine and you help people and I can remember the first group of people I worked with only three I worked with for a year and just to get it and to see the transformation you know I can remember people and the first three people I worked with one of them when they were he had him a lot of debt and his wife had left him because of money issues and he came in and you just felt you know you know when someone's beaten down and you see their body language and their crap and you could just see the weight on him the this weight and to be able to help him come out of it pay off his debt build a life that he wanted get his confidence back you know even for him to start dating again was you know for me to see that and then I think after that year I was just committed that this was going to be my life and this is why God had given me the challenges and taken me through everything I've seen even for my mum being on benefits it's important And I saw that because the benefits did help us, you know, and my journey, that my journey today is to help as many people as possible.

20:56And whether they come and they want to learn with me and my books or whether they want to go and, you know, where they see my social and go, actually, that's a good, you know, I might do something slightly different. Whatever part I can play in their journey, that's what matters to me. I love that. You can feel that as well. You can't fake that kind of passion and purpose you've got for it. And I guess there's an element of the journey you've been on at times. some of it's not been enjoyable at all and it's been real graft and that resilience piece that you've built along with the success from taking your action and so on that's got you to where you are now is all part of the journey and you know you're the better version and probably the best version of yourself because of it if that makes sense which maybe you're at peace with and thank you for sharing the depression part I was actually wanting to talk to you about the mental health piece of like where you've been to where you are now and how you manage that because you are you're mum you've got all these different business interests that you are spinning which involves traveling coming here today so how do you make time for yourself and how do you manage that burnout if you like not very well to be honest and um i've just had a detached retina um it started in may and i think that was because i was at burnout because i was trying to do everything and be everything instead of focus and doing a really good job because my problem is i don't say no so I like to say yes a lot and I think I'm superwoman but obviously I'm not so I've had a lot of health challenges a lot of operations that have made had to make me sit still and really think about and it's made me make decisions for how can I help the most amount of people because there's only one of me so how do I get my message and send it wider without me being burnt out so I'm still on the path of figuring it out I haven't rocked it yet well it's that whole um you're now so stimulated by what you do.

22:42You've got the version of you that was miserable in a job, which would have brought on depression and other mental challenges and didn't want to get up, to now someone that's probably thriving and enjoying so much we do, but the body can't keep up. And it's managing that. Like the retina is a physical, detached retina is a physical kind of sort of result of that, if you like. And I guess that's a bit of a moment where you've got to be like okay I need to I need to yeah do you know what it is it's because I'm so fussy about what goes out and me being the best and me preparing the best that I possibly can and I feel like I want to keep control of everything so I've had senior managers CEOs that have come in and I just realized I need to give more away so I can focus on being the best so I need to build my senior leadership team better I need to have seniors you know in each of my businesses that are reporting to me but they're doing the day-to-day and I just need to accept that they're going to do it there way they ain't going to do it my way and that's okay that's absolutely okay we'll get to the same result at the end of the day and we learn um so since i've made that decision and put management in my property business and things things have felt a lot better for me to move on and it was probably my time to grow because you get to a level in a business where you're a busy business owner and you're controlling you're trying but you naturally need to jump up that level where you can outsource so you can focus on the most crucial parts haven't you but it's a fine it's hard i I still want to interfere now.

24:08I'm like, oh, we're done. Well, it's this whole, you've got to get to where you've got to and you've learned it. So you've got that, I don't want to say perfectionism, but that's where it sits, isn't it? It's like, well, they're not going to do it as well as me. But actually, you can't do everything on that AI. So there's companies specializing in AI, like IFS, ChatGPT, OpenAI, Google Gemini. I just wonder where AI sits with how you personally use it. But also there's an element of search criteria and algorithm for how you find your properties and deals and how you're using AI. So I didn't want to like AI and ChatGPT.

24:43And I'm devastated I love it as much as I do. Because for me, I was like, no, it can't be. No, no, no, no. I don't know if I was resisting to change or it's just new and weird or I'm conscious of the impact it's going to have on the world. But I absolutely love ChatGPT. I am on it every day, talking to it. so it learns and it learns me so well now. I'll even ask it a question about something that the solicitor sent that was free months ago and it knows and it's so clever. So chat TPT, it's not the best in property yet. So you've still got to check what it's saying. So I'll put in a link off right move and it'll give me a rough guess of what it thinks.

25:22I still have to go and check it because I'm like, it's got that totally wrong. There's no way I can refurb that in 10 grand you know I need to go but yeah it's really useful for finding comparables just a check of the refurb budget what I think and because I've uploaded my schedule of works and what I've spent on previous projects it kind of now knows for Yorkshire where I invest what what it's going to spend on but yeah hugely useful yeah there's a there's a role model piece to you that I love and I've mentioned my two daughters and then there's the whole being a female entrepreneur and how there's damning stats that I know are now improving, but 2 % of VC funding went to women for years on years.

26:01I just wonder where you sit, where this journey you've been on the last 10 years, where you are the woman buying the property and you are the one running the site, which means dealing with probably quite chauvinistic tradespeople and so on, and how that's been for you. Back in the beginning, I think it was more my fear of it. and I think I used to give off some sort of energy where people would treat me a little bit and you know builders would ask if I was a PA I'm like no I'm the one that owns the company and I've bought this but you know and I think it's improved a lot over the years as everything's improved and I decided about a month and a half ago to have a look at going into politics and figure out that world and I was brought back to what they think so you would think the politicians have come so far in their journey you like to think but yeah I spoke to three like campaign companies so to be an MP you have to get a campaign understand what you go and have a campaign manager it's there's a lot to it it's not a two-minute job and the campaign teams I spoke to all didn't seem they they were expecting me to be a man or to have a man's view and that was really taken about now it might just be out of all the company campaign companies that are probably loads out there.

27:18I just picked the three. I had it, but it really brought me back to, wow, some people still feel like that. I logged onto a Zoom call with the guy and he's like, oh, are we going to wait? Are we waiting for the person that's going to be MP? I was like, oh, it's me. Might be me. It's crazy, isn't it? And the reason, yeah, the reason I wanted to do that is because I'd like to make a difference because I'm upset about the way the country's going. And I'm upset that a lot of successful people are forced out and they don't feel like they can stay and build in the UK. I don't want to leave the UK. I want to raise my children here.

27:51They make money. I make money here. But lots of different things going on, rightly or wrongly. And my perception is it's not it's not given the best place to have a business. And then you go and you look at other countries and what they're doing to attract entrepreneurs, you know, the tax, everything. And so I thought, could I have a go at, you know, being a voice for politicians, and influence education in schools and influence entrepreneurship business. But I quickly found that that world, when you're in it, there's so many things you can't do. So I've not quite got to a decision yet, but I'm kind of thinking what I'm doing now is going to have more of an impact that if I go and then have the MP status and what I can and can't do, because there's a lot to it.

28:38You, in theory, would have a really good opportunity to make a difference there, which is what's needed. but you've been put off by this experience and also it got worse than am i right in saying there were death threats or that's shocking yeah so i got told the only way to win the seat if you're going to be a politician is say what the people want to hear which i get but like take out your competitor so i really really hate this thing that politicians do and i don't know if it's because you know people have called me naive um but i don't like when they're sat in parliament and they're slagging each other off for me and you know you see them come up to that and then you know we've seen quite a few of the prominent politicians that I want my children to look up to and they're starting by firing at the other side we need to work together we need to be united so I was very put off it as well because the campaign teams are going you're gonna have to go you're gonna have to go and point fingers I'm like but I don't want to be a politician that points fingers and they're going well you will never win I want to be a politician that gets on and does the job and works with everybody.

29:41Different parties have different opinions and we absolutely need that. And then I got the death threats and I got terrible trolling with people telling me to stand down. I'm only a woman. I'm stupid. There is no way I can do this. I'm naive. And just such a massive backlash that I thought, you know, maybe this is not my time. I mean, I might go into politics in years to come, but I was slabbergasted by the whole thing. and then it really it opened up a world is is this why is something's wrong with with the system in our country is this why we're not getting it right because we've got campaign teams politicians being told to fire at each other why are we not trying to fix where the UK is to make us better and that's what I would love to see at some point in the future well ditto and surely anyone watching listening I mean that for me is kind of heartbreaking because you were you're the sort a person.

30:32I imagine when stuff is put in front of you where obstacles, if you like, where, you know, ultimately you're not going to turn around and go the other way, you're going to find a way around them. But that's impacting your person. You've got your son to think about. You've got, you know, the fact that you don't actually need to do it. You chose to do it. And so I guess there's an element there where, you know, you've chosen to reverse out of that. But that's really sad. And it also, to be fair, you know, how many prime ministers we had in the last few years, far too many, right? Politics seems broken.

31:02Six in the last five years. Yeah, that's right. My point being, it's just, it's not working. And so maybe the way that everyone is used to it working isn't actually the way forward. And you were showing that, you know, I think it's pretty archaic having people, it's almost like the school debate. That's what I remember. And I remember even then thinking, this is all about ego. This is all about, this is actually all about the individual rather than what sits behind it. You can't have that in government. Anyway, that's me entering a whole other conversation. A younger version of yourself will be so proud of you.

31:37And there's that role model piece. Again, people aspiring to want to do this. So there's so much you've learned. There's so much you've come through. But what's that one piece of advice that you would give a younger version of you? I see you. Avatar Fire and Ash is now streaming on Disney+. It's the film critics are calling the best Avatar yet. Go, go, go, go! A true epic and completely jaw-dropping. This is the only purest thing in this world. Return to Pandora on Disney+. It will be an adventure for the whole family. And watch the Oscar-winning phenomenon at home. This is sick! Avatar Fire and Ash, now streaming on Disney+.

32:15Rated PG-13. the one piece of advice would be that believe you can do anything because I believe anyone in the world can do anything they want you need the education and knowledge that's what's missing a lot of people think they can't do it because you know it's them it's not them anyone can do anything with the right education and knowledge and just taking one step at a time and that would be my advice to my younger self and anyone figure out what you want to do get the right education and knowledge on it and then just take one step you don't need to see the health staircase you don't just do everything it's just one baby step at a time and you'll be so far ahead I love that I'm going to finish with something quite sort of similar almost if you could say you were the education minister or better the prime minister and you've got autonomy you can bring in key learnings early to the education curriculum that are missing specifically around what we talked about that sort of financial education when we're still learning bunsen burners and algebra that perhaps aren't that relevant what would you change?