By John Galajsza — with contributions from APPG whistleblowers and campaigners Over the past year, we have seen something remarkable happening across the UK financial justice landscape. Victims, once isolated and overwhelmed by the complexity of their cases, are suddenly discovering the ability to analyse their own financial documents, reconstruct timelines, expose hidden liabilities, and … Continue reading Why Independent AI Has Become the Most Important Tool in the Fight for Financial Justice
Tag: philosophy
🌍 The Human Capital Multiplier: What Economists Now Confirm About Wealth and Well-being
A recent study by Andrés Erosa, Tatyana Koreshkova, and Diego Restuccia — “How Important Is Human Capital? A Quantitative Theory Assessment of World Income Inequality” — offers a powerful confirmation of what we at the Academy of Life Planning have been teaching for years: human capital is the true source of sustainable wealth. While traditional … Continue reading 🌍 The Human Capital Multiplier: What Economists Now Confirm About Wealth and Well-being
🌍 The Real Wealth of Nations: Lessons in Human Capital for Holistic Wealth Planners
“Wealth in the broadest sense includes people.” — Irving Fisher (1906) The world’s greatest untapped resource isn’t oil, gold, or digital currency — it’s human capital. A recent study from Riga Stradiņš University and al-Farabi Kazakh National University, “Problems of Development and Effective Use of Human Capital in Developing Countries” (Muravska et al., 2020), offers … Continue reading 🌍 The Real Wealth of Nations: Lessons in Human Capital for Holistic Wealth Planners
Reframing Wealth: What Human Capital Teaches Us About Growth and Equality
In the pursuit of prosperity, policymakers have long debated the balance between growth and fairness. Yet a seminal study by Jean-Marie Viaene and Itzhak Zilcha — “Human Capital Formation, Income Inequality and Growth” (CESifo, 2001) — offers a powerful reminder: the true engine of both progress and equality is education, not capital. Their model, built … Continue reading Reframing Wealth: What Human Capital Teaches Us About Growth and Equality
🌍 How England & Folbre’s Four Capabilities Underpin the GAME Plan’s Whole-Person Paradigm
“Wealth is not what we have, but what we can do — and become — together.” For over half a century, economists have treated human capital as an input to productivity — a resource to be measured, managed, and monetised. But a groundbreaking reappraisal by Paula England and Nancy Folbre invites us to see something … Continue reading 🌍 How England & Folbre’s Four Capabilities Underpin the GAME Plan’s Whole-Person Paradigm
Detached, Ignorant, and Selfish? The Real Crisis Isn’t in the Treasury — It’s in Our Thinking
By Steve Conley | Academy of Life Planning A City broker’s outburst this week branded the UK Treasury “detached, ignorant, and selfish,” accusing policymakers of strangling enterprise and misunderstanding the very nature of economic growth. It’s a strong statement — but one that echoes a deeper truth we at the Academy of Life Planning (AoLP) … Continue reading Detached, Ignorant, and Selfish? The Real Crisis Isn’t in the Treasury — It’s in Our Thinking
The Paradox of Progress: What the Data on Human Capital Teaches Holistic Wealth Planners
“When education becomes privilege, progress turns to paradox.” For decades, we’ve been told that education and upskilling are the keys to prosperity. Economists, politicians, and business leaders have repeated the same story — invest in human capital, and inequality will fall. But a recent study by Onur Ozdemir (2020), “Distributional Effects of Human Capital in … Continue reading The Paradox of Progress: What the Data on Human Capital Teaches Holistic Wealth Planners
Lessons from Adam Smith for Holistic Wealth Planners
Human Capital is the Seed of Prosperity, and Moral Capital is the Soil it Grows In When most people hear the name Adam Smith, they think of the “invisible hand,” free markets, and the birth of capitalism. Yet few recall that the same man who wrote The Wealth of Nations (1776) also wrote The Theory … Continue reading Lessons from Adam Smith for Holistic Wealth Planners
💡 Why Equal Access to Human Capital Is the New Engine of Growth
Lessons from global research on education, inequality, and empowerment In 2002, economists Amparo Castelló and Rafael Doménech published a groundbreaking study, Human Capital Inequality and Economic Growth, examining data from over a hundred countries between 1960 and 2000. Their findings carry profound implications not just for policymakers — but for us as Holistic Wealth Planners … Continue reading 💡 Why Equal Access to Human Capital Is the New Engine of Growth
🌌 The Aquarian Awakening: From Outer Faith to Inner Realisation
By Steve Conley, Founder of the Academy of Life Planning “The real mystery isn’t whether it happened once in time — but whether it happens in us now.” 🌠 A New Dawn in Human Consciousness Humanity stands at a turning point.The old order of hierarchy, fear, and intermediation is dissolving.A new consciousness is emerging — … Continue reading 🌌 The Aquarian Awakening: From Outer Faith to Inner Realisation
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