Hoxton Life

How to Set Kids Up for a Life Without Money Stress - with Ben Bolger

• Hoxton Wealth

Share episode

Are We Failing Our Children When It Comes to Money?

Money is one of the biggest causes of stress and mental health issues—yet we still don’t teach kids how to manage it. Studies show that financial habits start forming by age 7, but most young people enter adulthood with no real financial education.

In this episode of Hoxton Life, Jacob Hall (financial planner, husband to a teacher, and father of two) sits down with Ben Bolger, co-founder of Squirrel Education, to explore how gamifying financial education is changing the way kids learn about money.

What We Cover:
✔️ Why financial literacy should be a core part of education
✔️ The impact of money stress on mental health
✔️ How kids as young as 7 start forming financial habits
✔️ Why traditional schooling isn’t preparing children for financial independence
✔️ The power of gamification in teaching kids about money
✔️ How Squirrel Education is making financial literacy fun, engaging, and effective

 Sam’s Reflection:
For this episode, I stepped out of the host seat and behind the camera, which gave me a chance to listen from a different perspective. It reinforced my belief that teaching kids about money isn’t just about finances—it’s about giving them the tools for a secure, stress-free future.

 Are we doing enough to prepare the next generation for financial independence? Let us know your thoughts in the comments!


🔗 Find out more about Squirrel Education: www.squirreledu.co

📢 Listen & Subscribe to Hoxton Life:
🎧 Spotify | Apple Podcasts | YouTube

Ready to start your international financial planning career?

Hoxton Wealth is looking for ambitious individuals ready to take their careers to the next level. Whether you're interested in international financial planning, compliance, client servicing, or marketing roles within the financial sector, we offer unparalleled opportunities for growth and success.

Don’t miss a beat! Subscribe to our YouTube channel to watch full podcast episodes featuring insights from those that work for Hoxton and some of our special guests and partners. Stay connected by following us on Instagram, Facebook, LinkedIn, and X for more exclusive content.

Curious about our career opportunities? Visit our website to explore open positions and learn more about joining the Hoxton Wealth team. Your journey in international financial planning starts here!

For sponsorships, partnerships, or media inquiries, reach out to us

Speaker 1:

When someone says financial literacy in schools, the next word to be school education. One of the biggest frustrations of trying to build an edtech platform when you're not technical right Like I can't be that Mark Zuckerberg at 3, 4 in the morning sort of clued in and coding right. So I don't think it's a secret that money's the number one cause of stress in people's lives right.

Speaker 1:

You're number one in our household. If you don't talk about money, I'm not going to do that with my children. Right, being honest and open about money and teaching my children around money is something that I want.

Speaker 2:

To make sure that my children have Financial planning, I think is one of the best careers that you can ever have. I mean, it's a lifestyle career. You can go anywhere in the world with it.

Speaker 1:

A lot of kids don't even know what it is the fact that you're going in and teaching people about CISI. Now More children are considering going straight into work and education is becoming more and more expensive right the cost of that university. They're weighing up and saying, well, do I need to do that now? Obviously they're looking at ways can I go in and get straight into that profession.

Speaker 2:

Right. So today I'm back in the hot seat. I had the pleasure of interviewing Sam recently, which was quite interesting. Flipped on his head, looked at him. Today I've got Ben Bolger here from Squirrel Education. I've known Ben now for probably the best part of 12 years, from living in Abu Dhabi and crossing paths, and Ben was a financial planner originally very passionate about finance planning, very well, well qualified, and then stepped into doing Squirrel Education, set up a business, which is very exciting what we're here to talk about today. So I suppose first thing let's start off with Squirrel Ben, and pleasure to have you here.

Speaker 1:

Pleasure to be here. So Squirrel basically is an edtech platform, so what we're trying to do is gamify financial literacy for students. We recognise that financial literacy I think everyone recognises financial literacy is something that is not part of the academic lives of students and that needs to change, I think. I think obviously, us working in the profession for so long, we understand the effect that has on people's lives and we've set up around to, to, to change that in a fun and engaging way so that's.

Speaker 2:

That's quite funny because obviously, as you know, my wife my wife's a teacher, george, she teaches her well used to teach at cranley school, which is where you're, I think, one of your founders used to teach us currently as well, and I'm quite vocal about the fact that they don't teach education about financing schools, but we'll teach them about algebra and you know all these sorts of things.

Speaker 2:

I think we're setting people up to fail. So it's quite exciting that you're you're doing something around that. So how did it obviously come about to do what you're doing? I mean, how did it all start? You know where do you bring it together?

Speaker 1:

well, I think I mean my co-founder, matt it all was actually organically born out of a classroom, so he'd been running a very manual banking program and really saw the engagement that children had within the classroom. I think one of the biggest drivers for him was that what they did within the classroom, children were taking back the conversation at home. As we know, there's enough academic evidence to show that people don't talk about money at home and he was basically like this program they had in class. They're going home having conversations and then he was bringing fostering that conversation back in the classroom, which he thought was amazing. Um, but he was telling me about sort of this classroom economy that he's built and um, like, I'm hearing this story of how, uh how, how basically children were. It was they were getting paid a payday, a sort of a salary. They had sort of um desk rent, textbook rent and, uh, they could bank a couple of times a week in the classroom, start businesses and um basically cut long story, cut a long story short.

Speaker 1:

Um, he, at the end of one of his um, at the end of one of his terms of running it, he decided to um give the top three money and as an opportunity, to bid for the classroom guitar and um, the the thing is, I mean, that all these uh, year six children, they were desperate to all wave like mr o'brien's guitar at the end of the day. And he said to him you've all got about fourteen, fifteen thousand dollars. You can't go for less than ten thousand dollars, but you can bid for it and knock yourself out. And he said what felt like a lifetime of sort of deliberation from these children. Obviously the other children were screaming at these kids to, to, to bid for this guitar. He said not one of them could bring themselves to to bid for it and like for that.

Speaker 1:

For him, that sort of blew his mind right, like he was like, well, what, like you all desperately want this. So he had to pull him aside and they just basically said look, we had to do things that other children didn't, whether that was starting businesses, starting businesses put an extra effort to get rewarded by you as the teacher, or like saving when I was spent, you know, in our classroom economy and we want to finish the program as the, as the leaders, and I'm hearing this story and the thing that's flashing in my mind is that delaying of instant gratification because, as we know right, it's so much more about habits and behaviors than necessarily is knowing what to do, like we can spend hours talking to clients and telling them what to do. Whether they then go around and build those habits and behaviors to execute on some of the advice that we give them is completely down to them. So what we've done is we're building a platform, through sort of gamification, that creates scenarios where children get to practice those behaviors consistently.

Speaker 2:

Um, and yeah, I mean this is it's really been something that's been taken taken really well received so you started that off and obviously you went in, did it with a couple of schools and off the back of doing it with your co-founder. I mean I know because obviously I speak to you on a regular basis. You're down here in Dubai speaking to schools. I mean, how many schools are you currently dealing with? I mean, is it just in the UAE?

Speaker 1:

No, we've got 76 schools, 25,000 students using our platform, children from all over the world, from children in Mexico and Brazil through to Sydney and everywhere in between. Again, smallish team growing and outgrowing. I think we have a lot of the schools here in the UAE and want to build out financial literacy in the UAE to the rest of the world. I know that the UAE government is having there's a real focus on financial literacy and want to drive better financial literacy in schools and it's a priority for them, so we want to be a big part of that yeah.

Speaker 2:

So if we go back a step, obviously, when I met you you were in abu dhabi. You were one of the back in the eight, nine, ten years ago. You're one of the only chartered wealth managers and I think I I'm right in saying you got level seven twice, haven't?

Speaker 1:

you? Yeah, because you got the CFP qualification and the chartered wealth manager qualification.

Speaker 2:

So what led you to go so far with the qualifications as?

Speaker 1:

you know, coming to this industry 12 years ago is very different to what it is today. Yeah, and I came into the industry very sort of get on with it and it was there wasn't, wasn't much training, watched what. I didn't really have a mentor or anyone sort of guiding me, um, and, if I'm being completely honest, it scared the living daylights out of me because I was like I've, I've got a, I've got after two weeks of sort of product training, if you like, if you can call it that I was like how sell this yeah?

Speaker 1:

basically a sales training, two weeks, go out and speak to clients and talk to them about their savings.

Speaker 1:

And, like I said, I just for me, it was like I need to make sure that I know what I'm talking about and I also need to be able to make sure that I can demonstrate to clients that I'm credible. So I just came across the CISI, obviously, and looked at the CII and CISI and went down the CISI path and was like, well, if I'm going to do it, let's find a way to get to the top. And for me it was, like I said, I want to be able to sit there and be confident with any and hold a conversation with any other financial planner. And for me it was going to the top, trying to get both of those qualifications. So, yeah, I'm launching, um, an opportunity for children to start on that, that cisi journey. I mean it's one of those things that I wish I caught on into my, my career as earlier than even even than I did do so, um. So yeah, we're trying to give children that opportunity to to get onto that journey and get those qualifications to to springboard into the industry funny.

Speaker 2:

You mentioned that. Actually that's that's really interesting. So chris went away recently to the, to the us, and we went on a course and he came back and him and oliver gorman, who heads up our recruitment team, came up with this idea. So essentially, what they've done is they've set up a platform on on. It's called school. I don't know if you've heard of it. It's like an education platform and we're essentially setting up a platform for free where people can join, they can come in and we're going to basically give back and what?

Speaker 2:

What our understanding of the international profession is, what our understanding of financial planning is. So if people are studying and want to be a financial planner in in the future, they can go through, they can listen, they can, they can basically binge on as much information as we can give them for free about the profession. And a few people said to me oh god, you're going to give away all your tricks and all that sort of stuff, but at the end of the day, if we can get 100 people on there and some of them want to come work for us, someone want to go into the profession, it's better for our profession altogether. Um, a lot of people have these, these problems with people giving stuff away for free. I mean, you're doing it at it at the moment. You know, obviously you do it.

Speaker 2:

There's something there, because if we could ideally give everything away for free, it'd be amazing. But my view is, if you give back to the community and you give back to the profession, it will all come back around in the end, right. And so you know, when those kids start studying I mean two things on that. If those kids start studying, I can bring them into the office, show them what it is. I can come and see them. Second thing, you know, let's get them on the school platform and see if they can learn a bit from us and I'm not saying that we know everything there is to know, but we've done a pretty good job of getting out there to help people, right, absolutely. So you're obviously doing the planning.

Speaker 1:

I think when we spoke before you mentioned you then did an MBA and I think look, I had a couple of moments where I was like, look, do I really want to continue being a financial planner? So basically decided to do an MBA. I mean, again, it gives you a broad option and potentially looking into going to corporate banking, private banking and stuff like that. But yeah, I mean, like it's weird, I think I sort of told you off camera like the advice I got going into the MBA was like the MBA is a bit like a menu and you think you're going in, you're going into a restaurant and you're going to pick exactly what you always get right. But then you end up doing little bits of everything. And then I really enjoyed the entrepreneurship modules and ended up going out to Silicon Valley and sort of saw how the ecosystem there worked and that was big for me. And then sort of met my co-founder and was introduced to my co-founder and we just haven't really stopped running for the last two years.

Speaker 2:

So the MBA obviously led you to Silicon Valley, which obviously leads you towards the technology and everything else and that's where it came back and it was kind of born across really.

Speaker 1:

Well, yeah, I mean, look, I think, going and doing the entrepreneurship models, being in Silicon Valley, understanding sort of the sort of scale of how they do things there, and why, it's so successful, why that place is the hub of startups and coming back with that, and then it's fortuitous, Like I got introduced to my co-founder and I must have just been in that right headspace where it was like, look, I want to be part of this, Like how do we make this work? So. But yeah, I mean it's one of the best decisions I've ever made.

Speaker 2:

And where so you've obviously I mean huge amount of schools and children. I know that at the moment, I think from what you said, you're giving it away, not giving it away. But you want people to be educated and that's your passion. I mean, what's the next steps? I mean where's where is squirrel going and what's the? What's the?

Speaker 1:

plan for the next 12, two, three years. Yeah, I mean, look I, financial literacy isn't just a uae problem right and like financial literacy is a global problem.

Speaker 1:

So, like, the aspiration is for for children all over the world to to keep using our platform, and the thing is it's a, it's a, it's a huge task, right, and it takes us a village to to raise children, and, and the idea is it's a, it's a, it's a huge task, right, and it takes a village to raise children and, and the idea is to it's to bring partners on the way and and companies and governments who who see this as such a huge priority and and and keep driving impact through our platform. So, um, yeah, I mean just continue to keep, keep pushing financial literacy. Have our platformers. I mean we want our platform. When someone says financial literacy in schools, the next word is to be school education right and that's what we want to position ourselves as the number one brand for financial literacy in schools.

Speaker 1:

So that's what we're aiming for.

Speaker 2:

And is it currently available to individuals as well, or is it just available to schools?

Speaker 1:

How does that work? At the moment, it's a four schools platform. I think that we we went back and forth. For where do we start? And like, if our north star is truly to try and get as many children as financially literate as possible, we have to build a platform that's going to support schools, because that's where the children do their learning. We can't just rely on motivated parents to use our app and then and then and then. Obviously that doesn't. That doesn't mean that every child's going to get an opportunity, right, not everyone has motivated parents. So for us it was like look, starting the schools and then we'll use that schools to then leapfrog onto a B2C or our home version of our platform.

Speaker 2:

It's funny because I, you know with Georgia, was working at Yasmina initially and then she went across to Cranley and I was speaking to one of the teachers at cranley about potentially before I ended up moving to dubai, but I've been to one of the teachers at cranley about going and educating the sixth form.

Speaker 2:

Because I was 18 years old I mean, I was from north wales, my, my parents are small business owners I turned 18, got a credit card, maxed that and then did this and then took a car loan and you know, I didn't have any guidance really, because in my school we didn't teach us anything about it and it's something I would like to do is go back and give back to those sixth formers, which is what you're already doing so does the platform go right the way through then to sixth form, or is it just primary?

Speaker 2:

where does it fit?

Speaker 1:

well I mean. So at the moment, our platform probably serves children aged 7 to 11 12. At the minute, yeah, full aspirations are building out from 5 to 18 years old. Um, but one of the biggest frustrations of of trying to build an edtech platform when you're not technical right like I can't be that Mark Zuckerberg at three, four in the morning sort of clued in and coding right. So I then sort of supplement what we're doing to help the older students with things like I'm looking at building university ready courses and helping children who want to go into the financial services profession pass exams and looking at other ways to bridge that gap. As our technology increases throughout the year, it becomes more complex. We've got those supportive courses as well.

Speaker 2:

So it doesn't stop really.

Speaker 1:

Then, if you've got all these different things on the go.

Speaker 2:

That university education piece is important as well, especially kids growing up over here and going back to the UK. Suddenly have lived in Dubai their whole life and then, going back to the uk, suddenly have lived in dubai their whole life and then go back to the uk. I've got a budget right different.

Speaker 1:

Yeah, it's a different world right, I mean it's, um, yeah, student life will be.

Speaker 1:

Is it probably a shock and a culture shock for so many? And obviously, getting used to a completely new country, um, as well as having that whole level of responsibility is is probably overwhelming for so many. I mean it was for me, even though that I lived in the country and then went off to university. I mean, yeah, and I mean, part of the biggest driver for me is why I want to do stuff like that and support children in university. I mean I was playing rugby at the time, so I was, I was, I was, I was getting paid to play rugby, to be whilst at university and still maxed out my overdraft, still took out personal loans, right, and left university in a place where, like the next few years of paying that down and and getting back to a level playing field, which it was just unnecessary stuff. So for me, like I've gone through that and rule number one in our household is you don't talk about money, right?

Speaker 1:

and that was not not because dad wanted to to like any other reason than just to try and protect us from the big bad world. Right Like, and for us that was. I just I'm not going to do that with my children, right Like, and being honest and open about money and teaching my children around money and the role that money plays in our lives is something that I want to make sure that my children have.

Speaker 2:

The problem is with money, right, you know, in the US they sit and they talk about money. They teach kids about budgeting and stuff like that, what they don't see. So my parents are the same. You know, my parents were exactly the same, didn't know anything about their finances, didn't know anything about anything. I was a financial planner. They still wouldn't speak to me about money, right.

Speaker 2:

But then I see people move over here, right, and we live in Dubai, live in Abu Dhabi, and they come over and they've had no educational money. They come here, they get loads of debt, they're in not a good space because they don't know how to manage their funds, because it's not taught to anybody, right, and it's that taboo subject. And then you see the mental health off the back of it. Most people I've dealt with a lot of people over the years clients and people and people I've met Most and people and people I've met Most people I find that suffer mentally. Normally it can be linked and a lot of the triggers come from money, because they haven't budgeted or they've took a big credit card or you know all of those sorts of things. So I mean, where do you? You obviously mentioned that just there yourself. I mean, that must be such an important part of what you're doing with those kids, right?

Speaker 1:

Yeah, I mean, I don't think it. I think more so than politics. Work home and we've seen what it does to relationships, right?

Speaker 1:

I mean, like I stood up in front of a room for the most influential headteachers the other day and I said to them look, we know all this stuff is happening, right, like. I'll give you all the statistics and the evidence that the money ruins relationships. People's mental health is completely deteriorating because of the situation. They don't understand money and people are preparing less. So we know a lot for the future life. We know all this is happening, yet we do so little about it.

Speaker 1:

Today, right, and he's, and in other, in other areas of our life, we address that right. If a child, if his child's current lifestyle was going to lead to type 2 diabetes, they'd do something about it. Today, right, like. But we know that these like two-thirds of the world's population are financially illiterate. We know that right. Yet we just send up, we send these children out without any real education. And again, I keep harping on about habits and behaviors like, guiding them for their host habits and behaviors, because habits and behaviors last right. Like we can build habits and behaviors into children. They, they last right. Whereas just giving children knowledge, barclays can come in and do a day's worth of financial education, great, right, and more financial education in the bed, but that isn't then going to stick with the children right, it's about putting them into the scenarios that allow them to consistently practice those behaviours.

Speaker 2:

Relating that back to sport, I suppose. So you're a rugby player and.

Speaker 2:

I know you play to a decent standard, the the children I know that started playing rugby at five and the children I started playing rugby at 12 the difference in their vision of the game because they built that habit when they were thing. I suppose what you're saying is you can stand up and preach and preach and preach about the importance of budgeting, but actually you've got to teach them how to budget at that young age when their minds are like you know how old are your kids? Four and two, yeah, so I've got six and eight right. And you know, my kids live over here and I'm trying to constantly educate them on the value of money because that's the age where it'll stick with them and go through into later life.

Speaker 1:

I mean the Cambridge did a study that says that children's like like a relationship with money is already starting to formalize. By seven years old from three, they're starting to understand things like trade and the value of things right.

Speaker 1:

So like the like with any habit, right. The longer you let a habit go right, the harder it is then to change that habit. Okay, so, like the earlier, that we can start to build good habits and have those good conversations around. Money was the flip flip side. We can build those good habits earlier and then they'll stay with us for the rest of our lives.

Speaker 2:

So what you learn from the financial planning profession, and really, like educating adults, you've probably taken a lot, and it's quite funny because, you know, sometimes I do feel like I'm, you know, trying to really explain it so simply. I mean, you've taken that now and you're trying to not dumb it down but simplify it, I suppose, so that they can learn it along the way.

Speaker 1:

Well, I mean, I think, as financial planners, I mean, if we're being completely honest, a lot of the early work of children, adults, building wealth and stuff is fairly simple right. Once you actually break it down. It is fairly simple and a lot of people can, can, take that advice and run with it. Um, it's just, uh, the over complication of it, the, the, the and and the way that it can, like, the potentially the profession, has made people feel about, about their own personal finances.

Speaker 1:

Um, but, yeah, I mean it's. Uh, yeah, I, I think that it it doesn't need to be that difficult and we and the more people become familiar, or the more children are familiar with it from an early age, the more they're going to be successful with it going forward.

Speaker 2:

I think I mean it's an incredible thing you're doing, right, because you're giving back to so many, but obviously there's a business there and you're going to turn it into a business and obviously you've built the foundations now and the next steps will come. I mean teaching those kids early, will? I mean you were a financial planner over here, right, and one of my biggest frustrations of working in the GCC as a financial planner is you'd meet with people and they wouldn't want to sit down and take financial planning advice because there'd been bad advice 10 years ago, right. So instead they went out and spent everything, right, and you sit with them and they'd be coming to you three, four years later. My friends and stuff in abadab becomes me say well, I'm a bit of trouble here because I haven't got a lot of money and I've not been paying for pension and all that sort of stuff.

Speaker 2:

I'm guessing you saw that a lot when you were doing you know with with the rugby and stuff. I mean you've seen the profession change massively over here absolutely, I mean what's your view on it now over here?

Speaker 1:

yeah, I mean, I think that I think there's companies like hoxton who are leading the way, and reality is that's going to drag the whole industry up.

Speaker 1:

Right, because I think, like one of the biggest things obviously you guys are doing, you're so transparent about what you're doing now and how you do things, and I think having that sort of open door policy for people to sort of look in and what you're doing means that everyone else is going to have to lift their game right. So, um, I think, yeah, the like the, the financial planning as a whole, um, it's got so much better since over the over the last 12 years, and it's attracting some of the best talent in the world to come and work here and, and I think the the idea of working with international clients is something that's attractive to probably financial brands in the uk or us. Um, I think it's only going to get better, right, I mean, so many people are coming here and in the gcc is like it's one of those things where the service needs to then then increase and I think I think that's happening yeah, no, no, it is, and we're trying, as you know, so we're speaking today and why this whole scenario was born, I suppose.

Speaker 2:

But I mean, I'm looking forward. Obviously, you and I have had some conversations about some things that we can do together. I'd really like you know you talked to me earlier about the teaching kids in schools, about CISI. I mean, financial planning, I think, is one of the best careers that you can ever have. I mean it. Yet a lot of kids don't even don't even know what it is. The fact that you're going in and teaching people about cisi now, I mean, and off the back of that, if you do ever want me to come in and talk about you know what, what will journey of a financial planner be like? What's the career like? I'd love to do that. I'd like I'd actually like to go and do it around the uk because I think, as a profession, it's one of the one of the best professions you can be in um, if you've got the right attributes for it and things along those lines.

Speaker 1:

But yeah, well, I think I think what I think the important thing is, I think what you're trying to create, hoxton, is that real support from the beginning, right? Not what we had no, right, like so.

Speaker 1:

Baptism of fire absolutely right and and the support and infrastructure you're building to allow someone to come into the industry who potentially has never, ever been involved in the financial planning service, uh, industry, and then come in and give them the best chance of hitting the ground running is exactly what we need, right and uh, and the reality is when I talk to, I talk to like heads of sixth form and stuff like that. It's medicine, engineering and finance in the three, the three like routes that people want to take now, like in when they go off to university and stuff right, and we obviously, as in financial planning, lose those to. You know, investment banking, corporate banking and and stuff like that. So I think, I think there needs to be more light shone on, uh, the industry and and and and how how good the industry can be but the funny thing you mentioned there, right?

Speaker 2:

so medicine, right, it's trained to be a doctor. What you're talking? Seven years? Yeah, yeah, seven years. You know you work so, so hard. If you came to me at 18 with the right mindset, you know, by 25 you'd be qualified across three jurisdictions, probably managing a bank of 20 million worth of assets because, seven years is a long time if you do it on the job.

Speaker 2:

Like an apprenticeship style, I think we're. What we're trying to really passionate about is trying to create, like in a, a pathway apprenticeship for people to get into, want to do it right and and doing it in the right way.

Speaker 1:

Um no, I think, I think less, less, more. More children are considering going straight into work and and because obviously education is becoming more and more expensive right, the cost of that university they're weighing up and saying, right, well, do I need to do that now? Obviously the world of work is changing right.

Speaker 1:

Ai is changing and jobs are changing and they're looking at ways can I, can I go and and getting straight into that profession. So if there is a pathway right, there's gonna be more and more especially, I'm also hearing as well from the uae schools like less and less people want to leave the uae right. Children aren't wanting to potentially go to the uk to study and stuff. So if there is, if there is an opportunity to get straight into into work, I think it's going to be an attractive opportunity for for these, for these students 100?

Speaker 2:

well, we've both been here. When did you move here? 2012, 2012, we've both been here since 2012.

Speaker 1:

Both you move here 2012.

Speaker 2:

2012. So we've both been here since 2012. Both the kids were born here, I guess yeah.

Speaker 1:

Yeah, yeah.

Speaker 2:

You know, and like now I call this home. I can't see myself leaving anytime soon. I mean things may change in the future, but why would you? I mean the quality of life is excellent and all those sorts of things. So obviously, ben, having you absolutely brilliant, it's been great talking through. I think we'll definitely be talking. There'll be some ideas that we talk about again. I'm really excited to see where squirrel goes. I mean, so if people want to find out more about squirrel and if there's any teachers or schools that want to find out more about squirrel, I mean, how do they go about that?

Speaker 1:

it just just. Uh, just go on our website, wwwsquirreleduco, or find me on linkedin. I'm active, I'm quite active on linkedin.

Speaker 2:

Drop me a message and I'm more than happy to have a chat with anyone brilliant, brilliant, well, thanks very much, ben um, and I look forward to seeing the next steps and where you take squirrel over the coming months, appreciate, let's do it again.