FOOTIE LEGEND'S TAXMAN BILL

I WAS kneeling in front of my wife Janine, pulling at her finger. This time I was not proposing. I was going to pawn her beautiful engagement ring.

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It was one of the lowest moments of my life. How the hell had it come to this? It was painful to admit we desperately needed the money because of bad investments and were selling everything to survive.

I was 26 when I married Janine, who was a year younger, at the Anglican Cathedral in Liverpool on June 26, 1998. It was a 12.30 kick-off. Janine was late, but worth the wait.

She looked stunning all in white, tiara, veil kept back and a lovely touch - she was shielded from the rain by a blue and white Everton umbrella.