Human Capital, Inequality, and the Paradox of Progress: Why We Must Deliver the GAME Plan to Disadvantaged Communities

For decades, policymakers in the UK and across the developed world have repeated a simple mantra: more education leads to more equality. Education, we’ve been told, is the great leveller—the ladder by which anyone can rise, regardless of background. But the evidence now shows that this is, at best, only half true. A recent study … Continue reading Human Capital, Inequality, and the Paradox of Progress: Why We Must Deliver the GAME Plan to Disadvantaged Communities →

How Britain Outsourced Its Way Into Failure

Sam Freedman’s new book Failed State: Why Britain Doesn’t Work and How We Fix It offers a sobering diagnosis of Britain’s broken governance. His central claim: decades of over-centralisation and reckless outsourcing have hollowed out the state, leaving public services expensive, inefficient, and unaccountable. The centralisation problem – Successive governments stripped local councils of powers … Continue reading How Britain Outsourced Its Way Into Failure →

Why Investing in Continuous Training Systems Is Essential for the Age of Automation and Globalisation

“Change is inevitable, but growth is intentional.” We are living in a time where technology and globalisation are rewriting the rules of work faster than most education systems or businesses can keep up. Automation, artificial intelligence, and international competition are transforming industries and disrupting careers. In this landscape, the most valuable resource is not financial … Continue reading Why Investing in Continuous Training Systems Is Essential for the Age of Automation and Globalisation →

For True Economic Growth, Government Must Invest in Human Capital Equality

The government speaks often about “growing the economy.” Yet too frequently the conversation stops at GDP, investment incentives, or headline infrastructure projects. What is missing from this vision is the single most decisive driver of long-term growth: human capital equality. A major international study of 108 countries across four decades found that economic success was … Continue reading For True Economic Growth, Government Must Invest in Human Capital Equality →

From Bats and Newts to Bankers: Why the UK Is Making the Wrong Choice

When Ecuador rewrote its constitution in 2008, it did something extraordinary: it gave legal rights to the planet itself. Nature was no longer just a resource to be exploited; rivers, forests, and ecosystems were recognised as having the right to “exist, persist, and regenerate.” This bold move, rooted in indigenous wisdom, set a global precedent. … Continue reading From Bats and Newts to Bankers: Why the UK Is Making the Wrong Choice →

🚨 When “Crypto Education” Becomes a Risky Financial Promotion

There’s a lot of noise right now about crypto, DeFi, and the new “education academies” promising to show people how to get rich from them. I recently reviewed one such promotion, the Crypto & DEFI Academy, and I want to share what I found—not to rant, but to demonstrate what basic due diligence reveals. This … Continue reading 🚨 When “Crypto Education” Becomes a Risky Financial Promotion →

Why Investing in Yourself Beats Investing in the Market—Especially at 20

The case of Ella Coombs shows how non-intermediating planning unlocks real wealth creation. Case Study Summary: Ella Coombs – The 20-Year-Old Entrepreneur Defying Convention Source: The Telegraph, 8 August 2025 Ella Coombs, aged 20, works three jobs—including managing an RSPCA charity shop—and lives rent-free with her parents. She has earned nearly £10,000 pre-tax in 18 … Continue reading Why Investing in Yourself Beats Investing in the Market—Especially at 20 →

🎓 When the System Shuts You Out, Build Your Own Path

Why graduates need a GAME Plan for life beyond rejection It’s the question every graduate dreads: “What’s next?”For too many today, the answer is bleak. Rejections from AI-driven recruitment systems, unpaid internships, demoralising trips to the Jobcentre, and—inevitably—signing on for Universal Credit. Recent reports highlight a shocking reality: over 630,000 graduates are now claiming Universal … Continue reading 🎓 When the System Shuts You Out, Build Your Own Path →

Finance Lobbying Is Out of Control – Here’s How We Take Back Balance

The financial lobby has more influence over UK policy today than at any time since the 2008 crash. Ministers and regulators are being nudged—some might say coerced—into promoting the growth of finance as if it were an unquestionable good. But history tells us otherwise. When finance grows unchecked, inequality widens, crises multiply, and society pays … Continue reading Finance Lobbying Is Out of Control – Here’s How We Take Back Balance →

When £100,000 Isn’t an Investment but a Debt Trap

Author’s NoteWhenever I publish a critique involving popular brands such as St. James’s Place (SJP), I do so because there is a very real prospect of harm—financial, mental, and emotional—to individuals and their families. Yet the response from brand defenders is often not to address the substance of the critique but to sneer: “But you … Continue reading When £100,000 Isn’t an Investment but a Debt Trap →