Imagine going into an office and telling the staff that they have to follow your philosophy. Imagine the reaction you would get if you said that in any other walk of life. Why would I offer that to my players?

Whether people think I'm old fashioned, I don't care. I've always been very comfortable in my own skin. I've never been a brandist, I don't use words like philosophy, that sort of stuff isn't for me.

I am at A and going all the way to Z is high unlikely in any career, let alone football. You have to weave your way like the river, pick up your skills and keep going.

The game shapes you. I played for 20 years at all levels, apart from the Premier League. I had a disaster at Bristol City, where in two years I learnt more about myself, the industry, fans, how you get treated, than I ever learnt in my career.

The bull market, rising prices, earning lots of money, make it seem as if the good days will never end. When prices are falling and there is a recession, that also feels as though it will last for ever. Politics is the same. People simply can’t imagine changing circumstances."

Big money is made in the stock market by being on the right side of the major moves. The idea is to get in harmony with the market. It's suicidal to fight trends. They have a higher probability of continuing than not.

I started out from a pretty modest background, so I always had a pretty good sense of money. I always had to work for my money, save my own money, I always bought my own stuff with my money... trying not to waste money unnecessarily.

Today you can go to a gas station and find the cash register open and the toilets locked. They must think toilet paper is worth more than money.