Shane Filan

My mum and dad ran a family cafe in Sligo for 35 years and worked long hours. We grew up in a very hard-working family and had a lovely atmosphere, as we lived above the restaurant. It definitely made me want to work hard, whatever I chose to do. As the baby of seven kids, I was definitely a bit spoilt.

Why me? Why did this happen? How could I be in Westlife and then have nothing to show for it financially at the end of it? But it's like, why not me? That's just life. It's tough. There's a lot more problems in the world. There are a lot of people who would wish to God they had my problem instead of having a sick child.

If I'm honest, I thought Westlife would keep going for longer than it did - we all did - but it sort of came to a natural end. When we decided we were going to split, I thought, 'If I'm going to sing, I'm going to have to do it solo.' Also, financially I was broke, so the decision was ultimately made for me.

Set your sights high, the higher the better. Expect the most wonderful things to happen, not in the future but right now. Realize that nothing is too good. Allow absolutely nothing to hamper you or hold you up in any way.

Leverage is great when it works, and when it doesn't work, it creates a lot of issues. So I think if you limit the amount of leverage that people can borrow, or that banks can borrow, I think you'll find that you'll have a lot less issues going forward.