I was in a coffee shop group in Pattaya for a year or so. We would meet up a couple of times a week. In that time, almost all of them fell out with each other. Too much time on their hands, very strong opinions about the local culture and local people, gossiping about other peoples girlfriends, and a large degree of inequality- some of them plenty of money and some struggling.
@ThairishTimes5 ай бұрын
Interesting, sounds like a powder keg
@patrickglennon70585 ай бұрын
Familarity breeds contenpt, the folly of human nature, I stay away from expats for the most part, a paddy in hua hin.
@patrickglennon70585 ай бұрын
Familarity breeds contempt
@Shin-Ayin4 ай бұрын
@@patrickglennon7058breeding other guys ladies lights off the keg.
@rogergr50195 ай бұрын
These bar guys sound like gossiping teenagers that have nothing to do except drinking and complaining.
@scotty34635 ай бұрын
well that's what losers generally do.
@วาสนาสิงหานุวงศ์Ай бұрын
You have hit the nail on the head with this comment. They do just sit in the bar drinking all day and spreading gossip about each other. Horrible scene to end up in
@tingtongtom...droneoperato24405 ай бұрын
Great guest. Keep up the great work. I’ve got a few stories of my experiences in Thailand and look forward to making more. Thanks again Pete.
@sitrepSNAFU5 ай бұрын
Back in the day their were quite a few homeless ex-Vietnam vets in Thailand. No money, but they got by. They just didn't want to go home. Fair play to them.
@omniexistus5 ай бұрын
whatever makes them happy
@ITravelSale5 ай бұрын
I met a few in Bangkok when i first Came here to Thailand back in 1998 I even took 3 letters and a couple of Photos of us standing hanging out together Took those back to the world with me to give it to thier relatives
@Wilko115 ай бұрын
Pattaya was just a small fishing village before the Vietnam war. It then turned into a popular R & R destination for soldiers on a break from the war. And people came from all over Thailand to make money there. Hasn't changed in that way.
@michaelheery63035 ай бұрын
@@Wilko11more education
@jamesdond6143 ай бұрын
@@Wilko11 plus the US got it's arse kicked by the Vietnamese, which was great.
@KevinODea-lf3rd7 күн бұрын
My best mate of 20 years from Blackpool who I met in Koh Samui in 2005 overstayed 8 years. He took shelter in so many bars and and eventually lived on the beach in style. He was such a nice and friendly guy. Loved by many around the world and by the local Thai people. Papa Chaweng. RIP.
@hangingwiththegrlz48915 ай бұрын
They love you as long as you are paying for everything and supporting them. If you get sick or fall short, financially, to the street you go!
@stevesorrell45415 ай бұрын
Who are 'they'?
@100thesunking5 ай бұрын
the party never stops as long as you're paying all the bills
@boethius18122 ай бұрын
Nobody forced this guy to drink his life away.
@djcconsults2 ай бұрын
You talking about America ? 😅 Broke is broke..not exclusive to Thailand
@100thesunking2 ай бұрын
@@djcconsults you're right it's everywhere.
@jimmyboysmovies19725 ай бұрын
Simon has some stories to tell some sad some funny , Unfortunately some guys just cannot let go of the Thai dream. cliques at school , at work then when people retire to relax there they are again some people never learn. Great interview Pete and I will check Simon’s channel 🥃
@ThairishTimes5 ай бұрын
Cheers Jimmy
@phisit88135 ай бұрын
If you’re be homeless … it probably better to be by the sea 🌊 and good climate than in cold rainy windy at Stoke on Trent 🌦️ 😛
@ThairishTimes5 ай бұрын
I like your positivity
@listrahtes5 ай бұрын
But being in a foreign country without a social support system can be very very rough. To get back on your feet seems a lot more possible in your home country. But being an alcoholic seems to be the base line here. Near impossible to come back from that if you dont want to no matter were.
@thefrugalgolfhackthailand54305 ай бұрын
Sounds very familiar. I worked with my friend internationally for years . good guy - then he quit and got and higher paying job in Asia. Great. Fast forward 10 years, he is in Thailand, i opened my house to him to get back on his feet. he just wants to take yaba and make empty promises. I am out 100.000 baht, and he is still in trouble. i am waiting for the obituary in the local paper.
@TheThailightZone5 ай бұрын
So 30 secs in we are talking about a guy who ran a bar in Pattaya, Geezer Bar. "He done quite well". After years of experience I have immediately profiled this scenario. It takes no experience to open bar in Thailand, and most of these guys have zero business experience, limited funds, no assets, no plan. It is all inevitable. Broke, alcoholic, desperate. To be honest these guys would be on a similar path back home as well - no hopers.
@mikimoto995 ай бұрын
There is a small group who have made a fortune from the bar industry in Thailand that had absolutely no idea earlier on. It was a case of right place, right time, and everything fell into place😉
@astazou17203 ай бұрын
So true
@snitchy875 ай бұрын
If a homeless overstayer got arrested they wouldn't just put him back on the street. The embassy would work with them to get a temp passport to deport him, and they would try and get family to pay for return or last resort woukd pay for ticket and he'd have a government debt.
@forlua92115 ай бұрын
"Do not give money to the beggars." ... This may not be directly related to the video, but I want to warn all foreigners in Thailand. Most beggars in Thailand are not Thai, and they are organized either by individuals or crime gangs. In fact, if you are not mentally ill, you will not become homeless in Thailand. Thailand is a collective society where people tend to help each other. In case you have no money at all, you can 1) go back and live with your family or relatives, 2) go to temples for free food and temporary shelters, 3) find a job (which is relatively easy to find compared to many countries). ... "Giving them a money is equal to supporting human traffickings." ... Many people from neighboring countries were tortured and forced to be beggars in Thailand. Giving them money will increase the number of victims of this type of crime. The more you give adult beggars with young kids, it means more unfortunate kids will be kidnapped, or forced to be on the street. ... The Thai government has been campaigning for more than a decade for not to give money to the beggars. There were countless cases of beggar-related human trafficking crimes.
@_Alfa.Bravo_5 ай бұрын
Pete, in respect of the international audience here could you please remind next guest to try to speak a clearer oxford english, please ? His is ununderstandable !!!
@hexagonliver94095 ай бұрын
The story teller is talking so fast like a machine gun and does not pause and the pronounciation is not clear at all , so most people can only catch about 10% of what is being said. I gave up trying to understand what he is saying after a few minutes and switch to another channel
@zealman795 ай бұрын
I can watch him at 1.5x but then i used to live in London innit...
@Wilko115 ай бұрын
@@zealman79 Not cockney ?
@Wilko115 ай бұрын
Now that's a rarely used word. "Ununderstandable" guess that one depends on where you come from.
@zealman795 ай бұрын
@@Wilko11you're havin a giraffe mate, he's as cockney as they come innit
@forplexforplex88315 ай бұрын
Best not judge until you have watched all the video...
@ElectricCult5 ай бұрын
Simon was a great guest, sincere and streetwise :)
@thaimanclark5 ай бұрын
Nice to see you Pete, thanks for the work you do. 🎉
@ThairishTimes5 ай бұрын
Hey Alex, thanks buddy
@Southeastasiantraveler5 ай бұрын
Great set of stories, keep them coming if possible.
@Dmanz675 ай бұрын
That Dumaguete lot just seem like a bunch of angry old Trumpists.
@michaelmcw1115 ай бұрын
Actually they are more like far left Bidenites living off the democrats social security dole
@evangelicalsnever-lie97925 ай бұрын
IKR?
@gashscumkar69094 ай бұрын
Trump for president
@OsmiumFist3 ай бұрын
Leave you Trump derangement syndrome out of a video about Thailand.
@MrTraveller.5 ай бұрын
Great interview again guys. Dumugette is a chilled place. Great to hear about Sharky🦈. I met him in Gold Coast, Australia 🇦🇺 back in the day. He had a yellow Lamborghini, red Ferrari, black muscle car, motor bike & … at that time. Saw him in a movie years later. Last I heard/saw in YT he was in Pattaya. I’ve been asking if you could interview him. But u realize he’s hard the track down. Cheers guys
@ThairishTimes5 ай бұрын
I would interview him. If someone sees this and knows him or a way to contact him get me on email thairishtimes@gmail.com
@Dmanz675 ай бұрын
He made his money scamming old ladies. Scum.
@christines5430Ай бұрын
Excellent guest. He's the real deal, solid guy and as cockney as they come, which I love😂 Excellent interview!
@ThairishTimesАй бұрын
Thanks for watching🙏
@gingjok5 ай бұрын
Cannot really understand him mate-
@MrORANGEMAN19665 ай бұрын
What language is this guy speaking? I am not being sarcastic but its like not English, Speak American the real English languge Damn it !!!!😂😂
@Southeastasiantraveler5 ай бұрын
London accent
@hexagonliver94095 ай бұрын
The story teller is talking so fast like a machine gun and does not pause and the pronounciation is not clear at all , so most people can only catch about 10% of what is being said. I gave up trying to understand what he is saying after a few minutes and switch to another channel
@KieranWxm5 ай бұрын
Try the closed caption option and it might help
@petalson5 ай бұрын
@@MrORANGEMAN1966 Go to settings, speed, then select .5 and bingo youve got American speed!
@1bethnal5 ай бұрын
I can understand him perfectly. I'm originally from the east end of London. Some people do talk fast. When I've been around northern relatives I have a job understanding them. He has a regional accent. Good stories.
@robertdz23815 ай бұрын
I cannot understand this english.
@Wilko115 ай бұрын
Use Google translate. English to English. 😊
@graeme7twice5 ай бұрын
You mean you can't understand English. Pretty standard Southern twang.
@hexagonliver94095 ай бұрын
The story teller is talking so fast like a machine gun and does not pause and the pronounciation is not clear at all , so most people can only catch about 10% of what is being said. I gave up trying to understand what he is saying after a few minutes and switch to another channel
@juvezhang17155 ай бұрын
He speaks as fast as he lost his money😂
@robertdz23815 ай бұрын
exactly., I was able to catch about 30% then I also switched to another channel. The video owner should've inserted captions@@hexagonliver9409
@pepelemoko015 ай бұрын
Pete looks like you have struck gold again, I can see him at a table at Thairishcom 2025 Siam Centre Bangkok.
@petersmith65205 ай бұрын
This guy sounds like the Jack the conductor from On the Buses
@sandgroper-ig9nk5 ай бұрын
Another good interview
@imeqsmd5 ай бұрын
Thanks for the stories fellas. Some Questions for Simon/Pete: re: Kev’s Bar. What Soi was his bar on? And Around what year(s) are we talking here? Thanks 🙏
@redpilldenmark57415 ай бұрын
Praise the lord for subtitles 🙂
@michaelmcw1115 ай бұрын
Amen...otherwise would never understand one word
@hexagonliver94095 ай бұрын
The story teller is talking so fast like a machine gun and does not pause and the pronounciation is not clear at all , so most people can only catch about 10% of what is being said. I gave up trying to understand what he is saying after a few minutes and switch to another channel
@brendanoneil34895 ай бұрын
@@hexagonliver9409 he's a london geezer, I get every word.
@ruminatingenigma46495 ай бұрын
I would rather praise the software developer
@user-vg5rv5xf4u3 ай бұрын
Same here.
@MarkDoe-lg1kp5 ай бұрын
Bit dry Pete. Shame you’re not in Thailand to get some interesting stories. We know this shit happens but it doesn’t really make for great content in my opinion
@ThairishTimes5 ай бұрын
Fair enough, I’ll be there this year and have a long list of people/content to get on the channel
@TheGregsponge5 ай бұрын
Any chance of subtitles or clearer sound? I wanted to watch this one all the way through, but I was straining to catch what this guy was saying half the time.
@2kkto25 ай бұрын
Me too... I wonder if I have lost my English language abilities... I can get 80% of what he says.
@meikala21145 ай бұрын
turn them on in your settings ... govner
@hexagonliver94095 ай бұрын
The story teller is talking so fast like a machine gun and does not pause and the pronounciation is not clear at all , so most people can only catch about 10% of what is being said. I gave up trying to understand what he is saying after a few minutes and switch to another channel
@adrianoftheuniverse5 ай бұрын
Thank you for the life lessons. It’s hard to decipher what he’s saying, but I understood some. Basically, be careful of who you trust-fellow expat or not.
@michaelkiss46995 ай бұрын
I can't be a sympathetic alcoholic or drug user. And trust only yourself. My grandpa told me : never trust a woman(Thai), horses and dogs 😅
@ma3stro6815 ай бұрын
You can’t be a sympathetic alcoholic or drug user … ? 😂
@michaelkiss46995 ай бұрын
@@ma3stro681 never😉
@Londoncab5 ай бұрын
great interview
@PapaOsmubal.OscarBalajadia2 ай бұрын
Great interview. Thanks. BTW, Simon looks very much like the great American painter Norman Rockwell.
@chrisandrews93005 ай бұрын
Lucilfer club pattaya use to be a proper underground club Techno Trance I was resident dj there
@lukewilliams94294 ай бұрын
My fav club on walking street. Was there couple of weeks ago. The old DJ who plays in the front can't DJ. Pre-recorded
@jefflinton5 ай бұрын
I don't know why this guy is the most boring character you've had on. Maybe because its the analogies,cliches and nudge nudge say no more attitude but THIS IS the typical expat in Thailand
@michaelmoffat-d1v5 ай бұрын
I’ve lent money to people in Thailand.. not big money but I’ve lost a few pounds over the years.. never again 👍
@TWCH5 ай бұрын
I just spent five weeks in BGC in Metro Manila. I had planned to go to Dumaguette for a week but cancelled bc of all the drama. Besides, BGC was really nice.
@patimalatima927 күн бұрын
What drama was it? I used to live in Panay.
@jcsung7615 ай бұрын
Anyone who's broke and to live homeless will achieve it anywhere they are.
@ronjones89815 ай бұрын
Sorry but the sound keeps fading in and out while your guest speaks.
@karlpurcell34435 ай бұрын
Very good 👍
@nurotracker60615 ай бұрын
This guy loves to gossip himself
@michaelj32825 ай бұрын
Great accents (and that is from a Geordie), stories everywhere, I've been an expat in the UAE since 2005 - can you imagine? The eight Russian hookers and me and my ex wife's ex husband.... Memories.
@paddybpaddyb99405 ай бұрын
Simon, this ex-pat clique thing isn't just Thailand. I lived for many years in the south of France & it's the same thing there. Back-biting, gossipy stuff, it just makes you want to run a mile, it's almost as if you say to yourself, 'I left England to get away from these sorts of people & here they are.
@belindaschafer15934 ай бұрын
same same in Taiwan...supreme jealousy and backstabbing
@Somerset9765 ай бұрын
Would love to see an interview with Tim Sharky from Pattaya, would love to hear his wild stories...BEEP BEEP
@ThairishTimes5 ай бұрын
Beep beep! I’ll see what I can do
@Ukboss14 ай бұрын
He's back in Australia
@Somerset9764 ай бұрын
@@Ukboss1 on holidays yes, but he still lives in Pattaya
@davidbaber54455 ай бұрын
A legend in his own lunchtime 🙄
@ewright4108Ай бұрын
When the Chinese move abroad they don't call themselves Expats. They just continue to call everyone else a foreigner lol, but the sentiments are similar.
@reoun16545 ай бұрын
Same stories in Vietnam just different location nothing new!
@shane0traveller4515 ай бұрын
Full on Stuff!!
@chooowi5 ай бұрын
What language is this guy speaking?
@hexagonliver94095 ай бұрын
The story teller is talking so fast like a machine gun and does not pause and the pronounciation is not clear at all , so most people can only catch about 10% of what is being said. I gave up trying to understand what he is saying after a few minutes and switch to another channel
@Somerset9765 ай бұрын
English
@patrickglennon70585 ай бұрын
Cockney
@keithbentley6081Ай бұрын
@@hexagonliver9409How many times are you going to copy and paste this fucking comment? He's from London okay? Go and find an American with bad grammar who speaks as slowly as their brain works! If you can't understand rapid colloquial speech then you need to work on it in order to call yourself an English speaker. Do some listening practice or find a teacher who can teach you about connected speech and other aspects of English prosody!
@DannyVega-DanielHall4Freedom5 ай бұрын
Good show
@MrMike-zm8ex5 ай бұрын
What language is he speaking? I need a translator to English
@hexagonliver94095 ай бұрын
The story teller is talking so fast like a machine gun and does not pause and the pronounciation is not clear at all , so most people can only catch about 10% of what is being said. I gave up trying to understand what he is saying after a few minutes and switch to another channel
@haydndavies24755 ай бұрын
He is speaking perfect English. It's a cockney accent from the London area. Although it may be a bit tough to follow if your not English.
@astazou17203 ай бұрын
Cockney accent and nose voice…
@mangostickyrice5555 ай бұрын
Thumbs up 👍 Pete
@ThairishTimes5 ай бұрын
Thank you! Cheers!
@Kiwionwing5 ай бұрын
better on street in Thailand weather than Street in winter UK
@Southeastasiantraveler5 ай бұрын
Love his London accent - its a stronger version of Eddie Hearn
@Hangover-ry9bo5 ай бұрын
Expath in Pattaya lost it all went broke. Conman in Pattaya. Why is this tragic? when its 100% predictable, almost known after a few hours or nights out there. Its a life show with real people. Very obvious. This is why the Thai authorities tidy up and enforce existing and new rules on expaths. They dry it out or make it only affordable for holidays. Asian countries are not welfare countries like Europe. Things have in fact consequences.
@gauthamvasudev59915 ай бұрын
Subtitles would make sense...
@hexagonliver94095 ай бұрын
The story teller is talking so fast like a machine gun and does not pause and the pronounciation is not clear at all , so most people can only catch about 10% of what is being said. I gave up trying to understand what he is saying after a few minutes and switch to another channel
@josephsonoftheuniverse55415 ай бұрын
Wisdom is gained by mistakes I posted a comment when angry tired frustrated I focused on negative , I want to apologize because it was very unbalanced I have an abundance of positive things to say and show I am working on that I can honestly say I am surrounded by great and patient teachers who at times give me a well deserved kick in the ass so I put up my hands and claim my asshole moment I bow my head and say I learned, I will do better 🙏🕊️ thank you. And again I will go to The poem When you know a fellow By Edgar guest And reflect. Thank you and you and you. 🐝🕊️
@dezza7184 ай бұрын
Does Simon have a you tube channel?
@ThairishTimes4 ай бұрын
Yes it’s called Speaking of Asia
@Michael747And5 ай бұрын
That guy's accent is hard to understand.
@hexagonliver94095 ай бұрын
The story teller is talking so fast like a machine gun and does not pause and the pronounciation is not clear at all , so most people can only catch about 10% of what is being said. I gave up trying to understand what he is saying after a few minutes and switch to another channel
@graguitar64932 ай бұрын
Just checked get wrecked bar. Its on the next island over from Dumaguete
@jimcrosby82894 ай бұрын
Was he suffering from PTSD? As a Veteran I can understand where he was going to he's own demise.
@colourberry3 ай бұрын
If the Kevin you are talking about is the face on the video thumbnail, I'm sure I saw him sleeping on the beach in Patong last year for a fair while.
@susanlindarice5 ай бұрын
the raconteurs! liked when he said 'he never went upstairs'
@stephencirving3 ай бұрын
I’ve got gold and silver, solid. Like why would you give someone else money for that?
@stephencomerford57833 ай бұрын
Love this video... Simon flying the fred P too. Please get in touch Pete, got some quality stories about my years in Koh Phangan 👌
@robertk.87342 ай бұрын
With all due respect, I want to listen but only understand 50% of the story. Please slow down at least and pause since most listeners are not from your hometown.
@mikimoto995 ай бұрын
Sharky Ward, the ex repo Aussie guy! Theres a name from.the past! Anyone know where he is these days. He had a heart of gold and was very good to the stray dogs back in the day.
@Epoch-vu8cj5 ай бұрын
Gold Coast Australia last time I heard. He has a twitter account apparently, he's lost a ton of muscle/weight
@tingtong87815 ай бұрын
He’s actually a Kiwi.
@mikimoto995 ай бұрын
@@tingtong8781 Yep! He is part maori but moved to aussie at an early age. Made his money out of loan sharking, hence the name😉
@Somerset9765 ай бұрын
He's back in Pattaya
@mikimoto995 ай бұрын
@@Somerset976 Thats great! Where is he hanging out?
@ammerudgrenda5 ай бұрын
I have no idea what he is saying?
@prestonphelps16495 ай бұрын
Can't understand accent.
@readwrite18154 ай бұрын
Fortunately, we don't have homeless in New York.
@freedomformen25483 ай бұрын
Never ever fall in love in the country of fake smiles .
@brucesnyder6905 ай бұрын
Happily few expsts where i live in Tthailand.
@rijkie2264 ай бұрын
Perfect English for me as a Dutchman to understand. Cockney is easy, Norhern dialect is much harder tho
@shanemontgomery24164 ай бұрын
Sharkie was a Kiwi lived and had business in Australia on the gold coast
@dovoso56855 ай бұрын
Awesome stories and horrible accent, could not understand a word 555 🤣
@allenhill12234 ай бұрын
I understand us old guy's want new toy's too. And unfortunately that cheaper place sounds bank busting place
@josephsonoftheuniverse55415 ай бұрын
Silent Saturday I should have Reread the name. And understood. Apologies to one and all Happy Easter . Forgiveness 🙏
@RaymondMoore-c4g3 ай бұрын
Pete looks like a banjo player,
@markcooper3004 ай бұрын
I can't understand him
@eddenoy3215 ай бұрын
Unwatchable . Simon's accent and rambling are almost unintelligible . Like some kind of static .
@nightimermx89345 ай бұрын
Nah it's a good watch. Have a coffee you'll be sweet.
@eddenoy3215 ай бұрын
@@nightimermx8934 It's a good watch for you, not me.
@nightimermx89345 ай бұрын
@eddenoy321 cheers for letting us know bud. Coffees roasting away.
@tookay55 ай бұрын
I had no problem following what he said, and I suspect anyone from UK or Ireland had no problem. We are used to hearing dozens of very different accents speaking English from all parts of UK.
@paulsant6595 ай бұрын
Just slow it down to .75 speed in the settings. It comes out much clearer !
@charlesetienne60372 ай бұрын
I hear but no understanding
@markpearson53555 ай бұрын
I am sure if you wanted you could have paid towards his over stay direct
@seamusegan13115 ай бұрын
20 000 bhat max
@chrisandrews93005 ай бұрын
It's were slacker the Trance producer killed himself in Thailand
@roverdover4449Ай бұрын
Now that's a thick accent.
@dansecor8753Ай бұрын
This guy is sketch
@Ghost_Rider_7865 ай бұрын
This bloke is boring ....just telling random pointless stories ......
@cigar4015 ай бұрын
You don't like to get involved in expat Drama but what are you doing here ? Drama !
@hexagonliver94095 ай бұрын
The story teller is talking so fast like a machine gun and does not pause and the pronounciation is not clear at all , so most people can only catch about 10% of what is being said. I gave up trying to understand what he is saying after a few minutes and switch to another channel
@1bethnal5 ай бұрын
Think he's from Sarf London 😂
@WxM3008WxM5 ай бұрын
Conman refused to take his money. Wow.
@maverick72155 ай бұрын
Hey Pete. What language does this guy speak? It’s not English and it’s not Thai. Just wondering what audience you are catering to.
@lukewilliams94294 ай бұрын
Wrong. It is English, but you can't understand it because your not familiar with his London accent. Have a nice day.
@Mark-England5 ай бұрын
Hey pete
@ThairishTimes5 ай бұрын
Hey Mark
@seamusegan13115 ай бұрын
When UT got money uv got friends money runs out friend$ watch the rats run
@shaysworld15105 ай бұрын
As soon as I heard his accent I immedithought of pinky blinders lol
@DaisyD1635 ай бұрын
Peaky blinders 😅 different accent totally😅
@graeme7twice5 ай бұрын
He ain't a Brummy lol
@jamesdond6143 ай бұрын
I can hardly understthis guy, he's not very articulate.
@jamesdaniels48403 ай бұрын
he's perfectly articulate, he just has an accent that you struggle with
@scottgeen30625 ай бұрын
Hi would 8million baht and pension give me comfortable life living in Thailand thank you from Scott new Zealand
@ThairishTimes5 ай бұрын
How much of a pension?
@scottgeen30625 ай бұрын
@@ThairishTimes hi 2000 dollars a month pension
@mememe3324 ай бұрын
Hi Scott, yes, it would be enough. Budget your lifestyle to your income. Try it for a while first, come for an extended holiday. Just don't lose everything by buying women properties or paying off their debts, or throwing money to the wind.
@scottgeen30624 ай бұрын
@@mememe332 only buy women once week haha b tight with my money thank you for your advice from Scott new Zealand
@ThairishTimes4 ай бұрын
@@scottgeen3062 sorry about the late reply, you definitely have enough for a modest lifestyle as a single man. I would be aiming to live off the pension and don't touch the savings