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What I Wish I Knew at 23 (Now That I’m 32) Today I turn 32. And like every birthday, it’s a chance to reflect on the journey, especially the things I wish I’d understood a decade ago. At 23, I stopped drinking. At the time, it felt like the end of something. In reality, it was

Revolut. Picked Paris. Not London. Let that sink in. One of the UK’s most successful fintechs, built in London, funded here, scaled here, has just chosen France as the home for its €1 billion expansion and banking license. This isn’t a small story. This is a symbolic and

At 23 and sober I walked out my office. Saw Pret closing at 7pm and thought… where could I go now? 8 years later, there remains a huge opportunity for a normal area to socialise for those who don’t drink.

£3.4 billion. That’s how much the UK government is committing to the Chagos Islands deal. It’s a complex geopolitical move, we’re told. One that “protects our national interests.” But imagine if we invested that same £3.4 billion into our future. We could fully fund over

Entry Level Jobs Are Disappearing and It’s Rewriting the Economy Wages are rising, but not because the economy is booming. What’s really happening is a structural shift. Entry-level and low-skilled roles are being automated at pace. AI isn’t just replacing jobs it’s removing

The debate shouldn’t be about lifting the 2-child benefit cap. It should be about rewarding work and parenting through tax breaks. If you’re raising 3, 4 or 5 kids, give families a higher personal allowance or lower tax rate. Support families without punishing ambition.

Why does a 70-year-old earning £34,999 get their heating bills paid, while a 25-year-old earning the same has to fend for themselves? Both earn the same amount. But only one gets extra support from the government. Let’s break it down: - £34,999 is higher than the average

£34,999 to a Pensioner (Age 66+) Typical Costs and Financial Position: •No mortgage (most pensioners own their homes outright) •No student loans •Lower tax bill (thanks to the higher personal allowance for pensioners and no National Insurance) •Free prescriptions, bus

💥 The UK now spends more on the NHS alone than Turkey does to run an entire country of 86 million people. Let that sink in. 📊 NHS budget: ~$200 billion 📊 Turkey’s total government budget: ~$187 billion 👥 Population: Turkey has 20 million more people than the UK Yet… 🇹🇷

Debt is normal in businesses if trading confidence remains Doing over £8m turnover and having £1m debt is very normal. When cost base increases (NI & Pay) and revenue decreases (VAT fees) then the debt burden becomes unmanageable. Debt isn’t to blame, it’s the loss of pupils.

The Future of Investment is Consumer Last week I wrote about why I believe the future of investment is rooted in consumer brands. The recent news that Dr. Squatch a DTC soap brand built on community, storytelling, and real consumer love has just been acquired by Unilever is the

Probably cost £10bn Worst UX I’ve seen since the Covid App Can find a good designer on Fiverr for cheap.

It’s like watching a car crash in slow motion.

There are 6,273 people who are claiming disability allowance for Alcohol Abuse in the UK. Given my experience this blows my mind. UK tax pays are paying up to £62m a year to fund the lifestyles of individuals struggle with alcohol abuse. This needs to stop. The waste of tax

Thank you 🙌🏼

In 1937, London built 80,000 homes. Last year, it built less than half that. To find out why, I looked at two different planning applications for a four-storey block of flats from now and back then. 1937: 3 pages long. 2025: 1,250 pages long.

They literally are complaining that their local pubs are closing down due to decrease footfall. Increasing house = increase population Increase population = increase local spend Increase local spend = better amenities Better amenities = better place to live Like it or not,

This perfectly shows our problems, too much red tape to get anything done