The boys kick off episode 82 by discussing the unfortunate end to the euros and England missing out on lifting the trophy, with a depressive feeling across the whole country in the aftermath. However, with the World Cup happening next year, after this run, things are looking promising. The main conversation then moves onto Ray asking Toren & Sillah what advice they wish they were given when they were younger regarding money habits, which would have been beneficial and put them in a better position now. Some of the advice includes keeping tabs on your spending, budgeting and saving with a plan.

To join in on the conversation use the hashtag #ColdDrinksPodcast and follow us on Twitter at @ColdDrinksPodcast