“But what can one person do about it?” said 8.2 billion people. It’s easy to feel powerless in the face of global overconsumption. But there is a way forward—one that benefits both people and the planet. It starts with personal growth, stepping off the hedonic treadmill, and embracing a life of eudaimonic wellbeing. Here’s why … Continue reading If Everyone Lived Like the Average American, We’d Need Five Planets—Here’s What We Can Do Instead
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Why More Stuff Won’t Make You Happy — And What Will
Can buying more and more stuff really make you happier, or is it quietly making life worse? Our modern world pushes the idea that the road to happiness is paved with shopping receipts. Bigger houses, newer phones, more clothes – we’re told these are tickets to a better life. But what if that’s a lie? … Continue reading Why More Stuff Won’t Make You Happy — And What Will
At Least 50 Times Worse Than Maxwell: The Great Royal Mail Pension Scandal
The Robert Maxwell pension scandal was one of the worst financial betrayals in British history, with the media mogul siphoning off hundreds of millions from his employees’ pension funds. But what if we told you that the government has pulled off something far worse—leaving taxpayers to foot a colossal bill of £45bn? That’s exactly what … Continue reading At Least 50 Times Worse Than Maxwell: The Great Royal Mail Pension Scandal
Why Financial Independence Should Be for Everyone (And How We Can Make It Happen)
Money shouldn't be a privilege. It should be a tool that empowers everyone—not just the wealthy elite. Yet, for too long, the financial system has been built to benefit those who already have wealth while leaving everyone else struggling to navigate complex rules, hidden fees, and outdated models that keep them dependent on financial ‘experts.’ … Continue reading Why Financial Independence Should Be for Everyone (And How We Can Make It Happen)
🚶♂️ Thinning the Herd: How the Banking Elite, Government, and Captured Regulators Are Rigging the System
For all their talk of fairness, financial institutions and regulators have a habit of showing their true colours when it matters most. They say one thing, but their actions paint a very different picture. And if history has taught us anything, it’s this: when powerful institutions face accountability, they don’t just fight back—they try to … Continue reading 🚶♂️ Thinning the Herd: How the Banking Elite, Government, and Captured Regulators Are Rigging the System
The Missing Pillar of Financial Wellbeing: Why Spiritual Wellness Matters
Why do so many people with financial success still feel unfulfilled? Is there more to “wellbeing” than stable income and a comfortable lifestyle? In the quest for a happy life, we often chase careers, relationships, and material comforts. Yet, even after checking all those boxes, something intangible can remain missing. Enter spiritual wellbeing – a … Continue reading The Missing Pillar of Financial Wellbeing: Why Spiritual Wellness Matters
Why the Future of Financial Planning is in Your Hands – Not Theirs
Let’s be honest: the financial system isn’t built for you. It’s built for institutions, advisers, and product providers who make money when you hand over control. But what if you didn’t need them? What if you could take charge of your own financial future—on your terms, without hidden fees, commissions, or conflicts of interest? That’s … Continue reading Why the Future of Financial Planning is in Your Hands – Not Theirs
Lessons Not Learned: The Financial Services Industry Repeats Past Mistakes
Introduction The UK financial services industry is making the same mistakes all over again. This time, it’s with the Financial Ombudsman Service (FOS) and its decision to introduce a £250 fee for claims management companies (CMCs) referring cases. While this move is supposed to deter frivolous complaints, it doesn’t go far enough—and risks shutting out … Continue reading Lessons Not Learned: The Financial Services Industry Repeats Past Mistakes
Think You Can Outsmart the Market? Why Timing Stocks – and Crypto – Rarely Works
Is timing the market a fool’s errand? Many investors dream of selling at the top and buying at the bottom. The reality: even professional fund managers with fancy models often can’t pull it off. For everyday investors, trying to time the stock market is like playing darts blindfolded – and when it comes to crypto, … Continue reading Think You Can Outsmart the Market? Why Timing Stocks – and Crypto – Rarely Works
£10,000 for a Coffee and Cake? The FCA’s Advice Review is a Farce
So, it turns out that grabbing a coffee and a slice of chocolate cake counts as an "advice review"—at least according to the FCA’s interim executive director of markets, Simon Walls. Yes, you read that right. That £10,000 ongoing adviser charge? As long as an adviser could show that some kind of review took place—no … Continue reading £10,000 for a Coffee and Cake? The FCA’s Advice Review is a Farce
Academy of Life Planning 