Anthony

Lots of people's social & romantic lives could be vastly improved if it was normal for young adults to live in college dorm-style accommodation in city centres until they were ready to set up home properly. Why doesn't this exist? I think there would be a market for it!

The Government will collect £331bn in income tax this year, and spend £333bn on welfare. In other words, we now spend more on people not working than we raise from those who do. And the cost? Debt per person has risen from £11.5k in 2000 (inflation adjusted) to over £41k today.

Client was a VP at a large company. 62 years old. Was going to work until 65. January: called into HR. Severance package. Sign by Friday. He called me that afternoon. "I think I just got retired." No transition. No goodbye lunch. No plan. His whole identity was that job. His social life was those people. His purpose showed up every morning at 7:45am. The money was fine. We figured out the money in two meetings. The identity took a few years. He told me recently: "The hardest part wasn't losing the job. It was realizing I'd built my whole life inside someone else's building." Retirement that happens to you hits completely differently than retirement you choose. Millions of people in their 60s are navigating this right now and nobody is talking about it.