Summary and Aims of our policy.

​​

Our policy is very simple: Knowledge is power.  We will empower everyone with the knowledge of how to manage their money and build wealth, so they can comfortably manage the cost of living and absorb price increase shocks, such that increases in living expenses do not lead to personal financial crisis.​

​

We know from history that Government intervention, and wealth increase does not solve the difficulties people have in meeting the costs of living.  Only knowledge can solve this problem, and we give a simple seven step process (below) to gaining a complete understanding of this knowledge.

​

Our policy will not be popular at first, but it is the truth and the only way that the cost of living issue can be resolved; we will always speak the truth to the British people, and in so doing earn their trust.  By following out policy, everyone in Britain can empower themselves, and build a strong financial basis from which to achieve everything they want in their life, and fulfil themselves.

​

We explain as follows:

​​

(Everyone is God is not a regulated financial adviser, and nothing in this policy or on this website should be taken as personal financial advice. All information is provided for general education and guidance only.  Investments can go down as well as up, and you may get back less than you put in. Before making any financial decisions, you should consider seeking independent advice from a qualified, FCA‑regulated professional)

 

Current unresolved issues.

​

Only with the correct knowledge can we truly solve any problem, and this absolutely at the core of this and all our policies.​

​

Economic historians estimate the average level of wealth we have now in Britain in real terms is somewhere in the range of 30 to 60 times the wealth we had before the industrial revolution, and back then we worked twice as many hours on average as we do now (when you factor in all the daily tasks that had to be done back then such as fetching water etc).  If we take an average increase of 45 x another way of putting this is that the cost of living has gone down by 45 times when measured in terms of how many hours we need to work in order to buy the things we need.  The figures vary hugely depending on what products you compare, but for example today it takes approximately 5 minutes work to earn a loaf of bread whereas the same amount of bread in the 1600's took 1 to 2 hours depending on grain costs and the success of the harvest.

​

There were around six million people in Britain in the sixteen hundreds, most of which met all their costs of living without any help from the government or anyone else.  If we went back to those people and told them that the wealth of people will increase 45 fold, and they will work half the hours they are, would they think they could every be short of money, yet history proves exactly the opposite.  Huge increases in wealth and earning power do not lead people to be able to comfortably manage their cost of living.  Based on this I believe it is true to say, if wealth and earning power increase by 45 fold over the next few centuries, and our current level of knowledge does not change, people will be struggling with cost of living in the future just as they are now.

 

Something fundamental is clearly missing from our knowledge of how to manage money; why can we not manage it successfully to meet the cost of living, when wealth has increased 45 times?

​

The answer is simple and twofold.  Firstly we do not have the correct knowledge of how to manage money, and because of this our expectations regarding our standard of living will always grow faster than our increase in wealth, thus leading directly to over consumption and a lack of resources to meet essential costs.  Put simply, no matter how much our wealth increase, we spend even more on new and more elaborate products such as houses, cars, watches, handbags, phones, holidays, nights out, etc.  Consumption outgrows wealth, resulting in lack of money for essential living expenses.  It is almost a universal human trait that when an individuals wealth increases, so does their consumption, and this goes to extreme proportions, think of the mansions and mega yachts of the ultra rich. 

 

None of this is meant as a criticism, it is up to everyone to decide how they wish to spend their money, however this must be balanced with responsibility and accountability, everyone must hold themselves accountable for the decisions they make and the consequences of it, and as government we would do the same.  However we wish to help everyone do this comfortably and confidently with full knowledge and understanding.

​

Our Policy - How it resolves the issues and achieves the aims.

​

I hope it is clear that it is only through individual knowledge of wealth management can this problem ever be solved, as history proves that when the government and/or society create massive increases in wealth this absolutely does not solve cost of living crises.  We hope it is equally clear that any government policy that distributes tax resources to those who are struggling, does not address the root of the problem, and ultimately perpetuates it, as it distracts people away from the root problem.

​

Our mission is to empower everyone with the knowledge of wealth management, our policy therefore is designed to give everyone all the financial knowledge they need.  In this way those that are in cost of living difficulty see how they can extract themselves from this and put themselves in a strong position, and those that are not, can ensure they always remain that way, and build growing wealth in their life.  The basics of our policy and this knowledge base is laid out in the 7 steps below:

​

1 - Analysis of earning and spending (short term and long term)

​

Short term analysis: 1 year

 

Many people who struggle with cost of living do not understand how much they are earning and how they are spending that money, so the first step is to become completely aware of your own personal finances.  This can be done on a simple spreadsheet, or piece of paper in the following way.  

​

Go through 1 years worth of bank statements and allocate every transaction you make to the following categories:

 

• Income

​

• Basic living expenses (mortgage, rent, electricity, gas, heating fuel,)

• Food (eaten at home only)

• Phone

• Car

• Other transport

• Sport/gym

• health

​

• Socialising, eating out, holidays

• Entertainment, TV, social media, hobbies

• Gifts

​

• Essential child costs

​

• Other costs

​

Add the costs up in each category, then add those sums up to obtain total yearly spending.  Analyse theses costs by calculating each category sum as percentages of total yearly spending.

​​

Long term analysis:  Adult life

​

Analysing your earnings and spending over your entire adult life can be done in two ways, the first is a straightforward compiling of the basic figures, i.e. what you earnt, what you spent it on, and how much did you save and/or invest.  The Second is an honest appraisal of all the decisions you made through your life and how they affected your earning, spending, saving, and investment decisions that you made.

​

The key thing with the first part is to focus on the main figures, how much did you earn in each year from when you were 18 years old to your current year, and did you manage to save and/or invest any of that money each year, do your best to find or estimate what these figures are.  If you want to you can compile more detailed figures but generally we don't keep this type of information to hand and it is not really necessary.

​

The second part can be very challenging indeed from an emotional perspective, it requires brutal honesty and accountability, however this is where we really learn how to empower ourselves fully.  The process is to look at all your key decisions that affect your financial position throughout your life as follows.

​

Earnings:

​

At each stage of your life you made decisions about the type of work you did, how much you earned, how you went about training yourself, and what opportunities you created to earn more money.  Examples of key questions to ask at every stage of your career are:  When did you start work, did you commit to your chosen career so that you made the most of it, did you seek to train yourself so that you could earn more, did you look for and create opportunities to earn more money, did you go all out and start a business, have you managed your health well, or has it affected your ability to earn money?

​

Spending:

​

There are key events that have huge impacts on our financial position, all of these need analysing if you are to have a full command of your money management.  We cannot list and analyse them all here (as would be done in our education system) but the common ones are in chronological order: 

 

1. Beggining of career:  Did you chose to live with your parents after you began work, or did you move into a separate home.  Living with parents can hugely reduce living costs, and in this way provides an opportunity to build a substantial foundation of wealth that can set you up for your entire life (see below for figures).  Did you spend everything you earnt at this stage or did you save?

2. Relationships:  Did you meet and live with a partner, if yes, did you use your cohabitation as an opportunity to halve your accommodation costs and save substantial amounts of money?

3. Mortgage:  Have you bought a home, and saved before doing so so that you can put down a large deposit, reduce your mortgage payments, and comfortably manage your cost of living?

4. Children:  Did you have children, did you plan for the huge financial implications of this by building wealth over a number of years prior to having children, so that you could reduce your mortgage payments.  Do you have an emergency fund saved?

5. Old age:  Have you invested in a pension for your future?

​

Understanding fully and honestly where you went wrong and right in your financial life journey is extremely empowering as it requires you to face all the emotional and practical issues you have attached to your money management, resolve them, and from this basis understand the true reality of wealth management, see step 7 below. 

 

We understand that there can be external factors adversely affecting personal finances, however these should be expected, and prepared for, as life does not always run smoothly.

​

​

2 - Cost cutting

 

Be brave and have a very honest look at all your spending.  Start looking at where you can cut costs, notice the four groups for spending. 

 

The first group: ESSENTIAL costs (starting with living expenses):

 

Notice that you cannot generally avoid the first group of costs, but you do have choices to lower these costs.  For example you could move to a smaller house to reduce rent or mortgage, sell an expensive car and run a smaller one, or use public transport, or eat £1-50 meals (see Jamie Oliver's £1 meals).  All of these costs cannot be avoided but they can all be reduced.

​

The second: NON ESSENTIAL costs (starting with Socialising)

​

The simple and brutal truth is that you can entirely eliminate all of these costs immediately, so be brave and decide just how far you need to go with this to get on top of your spending.  Note that this group includes the costs that you spend on your children that fall into this category, so if you take your children out and spend money on entertaining them, these costs go in here.

​

The third group: ESSENTIAL costs (Child costs)

​

Again all of these costs cannot be avoided but they can all be reduced.  Be brave and see how you can reduce them.

 

The fourth group: (other costs)

​

Go through these, work out which ones are essential (but can be reduced) or non essential (and so can be completely eliminated).

​

There will almost certainly be many opportunities to immediately eliminate or substantially reduce non essential costs from your life, and reduce essential costs with time and planning.  Your ultimate aim with cost cutting should be to free up a minimum of 15% of your net income.

​

3 - Increase income

​

Look for ways to increase your income, for example:

​

Work longer hours (short to medium term solution)

Take a second part time job (short to medium term solution)

Start another extra income stream or small business that does not require investment

Invest in professional training to increase earning potential

Educate yourself and work out how to make more money

Learn how to work smart instead of hard, by understanding how to increase your earnings per hour.

Seek employment elsewhere if you do not love your job

Consider renovating your own home.

Most importantly of all, follow your heart and work in careers you do love

​

4 - Save money

​

Doing the above will almost certainly and quickly yield a sum of money every month that can be saved.  My experience is that most people would be very surprised at how large this sum of money is if they really commit to steps 1-3 above.  For example reducing drinking by 4 pints a week, saves 4 x £5 x 52 = £1,040 per year.  Forego 1 meal at £20 per week doubles that figure to £2,080 per year.  Even small changes make large differences, and doing this comprehensively can save anywhere between £4,000 and £8,000 of costs per year for an average person.

​

Many people find it difficult to save money and will spend everything they earn by or before the time of their next pay check.  This is financially debilitating, highly risky, and ultimately irresponsible, as it will inevitably lead to personal financial crises such as failure to meet living costs, dependency on charity, government help, or homelessness.  It is essential that everyone is capable of saving money if they are to be financially strong and self sufficient.

​

Save your spare money in a fixed rate savings account until you have an amount that is equivalent to at least six months of your total spending, maintain this minimum amount and do not touch this money unless you have a genuine emergency.  If you do spend some of this see that it is replaced as soon as possible.  This is your safety net that protects you and makes sure you sleep well at night.

​

Saving is your wealth engine, it drives you along your path to wealth, and it requires effrot discipline and strength.  If you get to the point that you are able to save a significant portion of your money, then you have overcome the greatest challenge of money management and wealth building.

​

5 - Invest

​

Understand the difference between investing your money in liabilities (which decrease in value, or immediate consume value), and assets (which maintain or grow in value).  If we look at the spending categories above, every entry in this list is a liability other than one; mortgages.  You will see that spending money on all the others categories immediately or over time consumes your money and leaves you with nothing of value, your electricity does not magically grow in your home, the pint of beer is gone as soon as you drink it, your car depreciates to nearly zero, etc.  However your home remains, and grows in value, this is the hallmark of an asset.  This is why you must try to minimise all your costs, except for those that invest in assets.  Always remember that spending your hard earned money on liabilities will always consume your wealth, whereas spending it on assets will always increase your wealth.  Other examples of assets that can be invested in are:

​

Pensions

Savings accounts

Bonds

Company shares

Index tracking funds (ETF's)

Land

Commodities such as gold

Anything that increases in value

​​

Understanding Investments

​

(Everyone is God is not a regulated financial adviser, and nothing in this policy or on this website should be taken as personal financial advice. All information is provided for general education and guidance only.  Investments can go down as well as up, and you may get back less than you put in. Before making any financial decisions, you should consider seeking independent advice from a qualified, FCA‑regulated professional)

​

Having the necessary understanding of investment is more involved but once understood, it is straightforward.  The key is to understand each asset class, the risks attached to it, and the possible returns, as detailed below.  The returns listed are broad educational estimates, based on typical UK market conditions in 2024–2026 (high interest rates, volatile markets, gilts recovering, equities mixed). They are not predictions — just the kind of indicative ranges people commonly see today.

​

Savings Accounts

Savings accounts are simple, low‑risk places to hold money.

• Value of your savings: The amount you deposit stays the same.

• Interest: Fixed or variable.

• Risk level: Very low risk — FSCS protection up to £85,000 per bank.

• Typical returns today: 3%–5% per year (easy access at the lower end, fixed‑rate at the higher end).

• Notes: Rates may fall if the Bank of England cuts interest rates.

• Use AI to find who is offering the best rates.

 

Bonds

Bonds are loans to governments or companies in exchange for interest.

• Value of your investment: Can rise or fall with interest rates.

• Interest: Usually fixed.

• Risk level: Low risk for government bonds (gilts), low–medium for corporate bonds.

• Typical returns today:

  • UK gilts: around 3%–4.5% per year

  • Investment‑grade corporate bonds: around 4%–6% per year

• Notes: Bond values can drop if interest rates rise again.

• Use AI to understand this assest class, asses weather it is right for you, and to find the best platforms which allow you to buy bonds.

​

Index Tracking Funds (ETFs)

Index funds track the performance of a whole market.

• Value of your investment: Moves with the stock market.

• Risk level: Higher risk, but lower than company shares as you have a greatly diversified market.

• Typical returns today:

  • Global equity trackers: 5%–8% per year long‑term

  • UK‑only trackers: 3%–6% per year long‑term

  • Short‑term swings: –15% to +15% in a typical year

• Notes: Long‑term returns depend on global economic growth.

• Use AI to understand this assest class, asses weather it is right for you, and to find the best platforms which allow you to buy ETFs, quite often the same platforms as for bonds.

 

Company Shares

Shares represent ownership in a company.

• Value of your investment: Can rise or fall sharply.

• Risk level: Highest risk — individual companies can fail.

• Typical returns today:

  • Long‑term average: around 6%–8% per year

  • Short‑term reality: can be –20% to +20% in a single year

• Notes: Returns vary widely by sector and company.

• Use AI to understand this assest class, asses weather it is right for you, and to find the best platforms which allow you to buy company shares.

​

Pensions

Pensions are long‑term investment accounts for retirement.

• Value of your pension: Can rise or fall with markets.

• Tax benefits: Contributions usually receive tax relief.

• Access: Normally from age 55 (57 from 2028).

• Risk level: Varies by plan.

• Typical returns today:

  • Growth‑focused pension funds: 4%–7% per year long‑term

  • Lower‑risk pension funds: 2%–4% per year

• Notes: Younger savers tend to be in higher‑risk, higher‑return funds.

• Use AI to understand the different types of pension, and to find the best pension provider to invest with.

​

ISAs (quick note)

All the asset clases above, other than pensions, can be contained within an ISA for completely tax free saving, so it is essential to make use of this facility.

​​

Investing and growth

​

To help plan and understand how your money grows, you can visit: Compound interest calculator UK (Daily, monthly, yearly) | Unbiased  Here you will be able to enter how much you invest, how often you invest, and the rate of return, and it will immediately calculate for you your total savings.  Use this to make a plan for how you wish to save and invest from here on.​ 

 

The extreme value and power of AI cannot be overestimated, make extensive use of AI, YouTube and the internet to learn about the different investment classes, take all the time you need to fully educate yourself until you are confident to start investing.  These resources will answer all your questions on investment, we live in an extraordinary age of instantly available online advice on every topic for free!  Talk to people; seek proffessional advice if you are unsure and to double check what you have learnt online.

 

Lear how to get the best from free AI like Gemini, ChatGBT, Copilot, etc by asking the right questions, for example:

​

I am unconfident and overwelmed by the complexity of manageing my money and investing, can you help to guide me how I can do this?

How can I reduce my living costs?

How can I earn more money?

Give me the best investment strategies for my life savings?

Summarise all the different baisic investment opportunitities, how they work, their risks, and the possible returns?

Which platform is best to buy ETFs?

Tell me how all the different types of pension work, and advise which one is best for me?

​

Never stop asking questions until you are entirely happy that you have all the knowledge you need.

 

If you are uncomfortable with risk, or feel unconfident with understanding each asset class, then invest your money in your home and in fixed rate savings accounts where risk is very low.  With time you can study more and maybe try small sums of money in higher risk/reward asset classes to broaden your knowledge and portfilio.

​

When you hit your savings target of six months worth of spending, invest all your spare money each month into your chosen assets.  For most people the obvious way to do this is to pay off their mortgage quickly, and then invest in other assets such as more property, savings accounts, index tracking share funds (ETFs), pensions, etc. The more money you can invest in assets, the more your wealth will grow, and if you do this with full commitment and good basic knowledge over your entire lifetime, it is almost guaranteed that you will become wealthy; a millionaire at the minimum, and richer if you are more committed and astute.  I say almost guaranteed because it is actually straightforward to manage investment risk over the long term if you understand how each asset class works.  This means if you acquire this basic financial knowledge, and invest wisely over a long period of time in low risk assets, the only way you can fail to become very wealthy is if there is extreme national or global economic collapse.  

​

Few people ever get to understanding this simple and basic knowledge, and those that do usually are very wealthy, (if wealth is something they seek).  It is our policy to give every person in Britain this understanding through school, and  through adult education.

​

Minimum wage to millionaire in 41 years

 

To prove the power of this knowledge, and explicitly demonstrate how it works in the real world, consider the four investment scenarios below (All figures based on typical UK market conditions in 2024–2026, living outside of London, and investing into fixed rate savings and ETF's within an ISA that yields, on a long term average, 5% growth):

 

Scenario 1 - Small reduction in eating out and drinking

 

Investing the money saved from not having 4 pints and one meal every week, over a 40 year period (20 to 60 years old). 

​

4 pints and one meal, £40 per week -    Total contribution £83,200      Total sum at 60 years old:   £251,545

​

To be clear that is quarter of a million pounds, the cost of a small house, simply by drinking four pints less each week and forgoing a meal out!

​​

Scenario 2 - 15% of average wage invested over 40 years

​

The average income of a person in Britain after tax is around £27,000, 15% of this is per week is £78

​

£78 invested weekly over 40 years    -    Total contribution £162,240    Total sum at 60 years old:   £490,513

​​

Scenario 3 - A couple buy a first home outright at 25 on minimum wage

​

You start work at 18, buy a house on your 25th birthday, and earn minimum wage over this period; this is an average of £11.90 per hour, so you will earn £476 each 40 hour week.  If over this period you have low living costs as you live with your parents and invest half of your gross earnings, you will have:

​

£238 invested weekly over 7 years    -    Total contribution £86,632    Total sum at 25 years old:     £101,100

​

This is a very healthy amount to put down as a deposit on a house.  If you have a partner who does the same, all these figures double, that's £202,200 for your first home, meaning you can live mortgage free even on your first home.

 

Scenario 4 - Deatailed path to being a millionaire on minimum wage with no help from family or government

 

In the UK, a full-time worker on the National Minimum/Living Wage earns a net take-home pay of roughly £1,550 to £1,760 a month (depending on whether they are in the under-21 or over-21 age bracket).

 

Phase 1: 18 to 24 years old, saving for house deposit.  ​

​

Monthly Outgoings (Shared Accommodation/HMO)

​

• Rent (Room in a houseshare, usually includes bills): £450 – £550

• Food & Groceries: £150

• Broadband & Mobile: £15 (Shared house internet is free; phone only)

• Transport: £60

• Essentials: £80

• Socialising £70

• Total Baseline Outgoings: £825 – £925

 

The Shared Living Savings Potential

By dropping your overheads to roughly £875 a month, a consistent surplus opens up:

​

• Ages 18–20 (3 Years): Saving roughly £670 a month​

• Ages 21–24 (4 Years): Saving roughly £890 a month​

• Investing these sums at 5% return gives:  Total contribution £66,820    Total sum at 24 years old:     £78,051

 

Phase 2: 25 to 34 years old, buying your first home.

 

On your 25th birthday you buy a 1 bedroom flat for a total cost (including all fees and furniture) of £200,000 putting down a £70,000 deposit, and leaving £8,051 of emergency money.  You make maximum mortgage payments using your £890 month surplus plus your £500 rent saving, a total monthly mortgage payment of £1390.  With a 5% mortgage it takes approximately 10 years to pay off, so at 34 years of age you own your flat outright, and your emergency money of £8,051 has grown to £13,114.

​

Phase 3: 34 to 59 years old, becoming a millionaire.

​

Since you have no mortgage now, you save your £1390 a month for 25 years at 5%, giving you a total contribution £417,000  and a total sum of: £800,795 and you still have your emergency money of £13,114 which has now grown to £44,409.  

​

You are 59 years of age and worth £200,000 (your property value) plus £800,795 plus £44,409 which is £1,045,204.  You are a millionaire having only earnt minimum wage your entire life.

​

This is a basic path to being a millionaire on minimum wage, and we show these four different investment scenarios to prove the power of saving and investment in the real world, so people can understand the powerful foundation it can become.  Everyone has different requirements and goals, and so we are not suggesting that everyone should live according to scenario four, this is a disciplined low income scenario to maximise savings.  What we are saying is that everyone (who is able to work) has a straightforwrd path to manageing their money and building wealth, in order to create a strong financial foundation from which they can achieve what ever they want in their life.  Given this fact there is no cost of living crisis, only a lack of knoweldge and it's application. 

​

All these figures could be debated and adjusted up or down.  For example you could walk to work and save a futher £60 a month, you may have a partner and further reduce your costs, you are very likely to earn more than minimum wage, and there are plenty of ways to earn substatialy more, or on the otherhand you might not achieve 5% investment returns on average.  Given all these types of factors it is fair to say our four scenarios are more on the pesimistick side, yes things could be harder than this, but they are more likely to be easier than this if you increase your income.

​

There are endless oppotunities to increase earnings, leverage savings, and build greater wealth:  What happens if you increase your income and invest the extra, through training yourself, changing career, gaining a promotion, or setting up a successful business?  What happens if you renovate a new home in poor repair, carrying out much of the work yourself, then sell it and repeat the process.  With the correct knowledge and action, it is quite straightforward to build large amounts of wealth, and live mortgage free in your home, with investments providing income on top of that.

​

​​We stress again that although the figures above are based on 5% growth in the current economic evironment, certain investments classes can go down as well as up, as described above in this section.

​

6 - Economics, the broader picture for investment and money management

 

Generally people do not have enough economic knowledge to understand how the British and world economy affects, and always will affect, their own economic situation, and how to prepare accordingly.  It is important that everyone understands that their career is an important part of the economy, and that only if they are productive in their work can they and all other people prosper.  Another important piece of economic knowledge is a full understanding of how commodity prices are affected by geopolitical/economic factors, and from this understanding, setting an absolutely clear expectation that there will be price shocks, which must be planned for.  In these ways everything that is relevant to  individual wealth management will be taught in schools and adult education.

​

7 - Psychology of money management

​

Generally the greatest barrier people have to going through steps 1-6 above, and becoming financially comfortable or wealthy, is psychology.  Many people particularly struggle with step 2 and 3, cost cutting and saving.  They quite often struggle at these hurdles, and this is due to psychology and specifically spending addiction.  Anyone who has a spending addiction will find it difficult or impossible to manage their money and build wealth, as they will always fail at steps 2 and 3, (most people have spending addiction to a lesser or greater extent).  Indeed the suggestion of cost cutting can elicit strong emotional reactions in those with spending addiction, ranging from a resistance to the idea, through to a feeling of having a safe place or identity being taken away, and in more extreme cases finishing with a feeling of being insulted by the idea.

​

Spending addiction is caused by lack of love and connection with the parents in childhood; in adulthood this can then present as a constant feeling of lack which, in the case of spending addiction, is temporarily alleviated by buying some sort of liability; a new dress, a watch, a holiday, a drink, or new car etc.  It is the constant lack, and desire to escape it that perpetuates repeated consumption, and the inability to manage and save money.

​

Spending addiction is directly linked with expectations and consumerism, as people rationalise their spending addictions as something they need and deserve, and without it they are in some way being deprived or punished.  This perception is made far worse by the relentless conditioning we receive from those around us, advertising, and media that more is always better, consume as much as you can, and that money is the ultimate success and happiness in life.  All of these things are not fundamentally true, and they misguide and lead people terribly into financial difficulty.

​

The psychology of spending addiction (and all addictions), and how to avoid it through loving parenting, along with our misleading perceptions around consumerism, will be extensively taught throughout all of school and through adult education.  Additionally to this, the psychology of expectations around consumerism, would be taught also.  In this way the root of the problem will be resolved in homes and schools before it ever manifests in adult life.​

​​

This is the final piece of knowledge that completes the process of fully empowering everyone financially.

​

Except maybe for the most important thing of all:  There is no point being wealthy and miserable; have a very clear purpose for building wealth in your life.  We are relentlessly taught that more money is always better, but this is not always true.  I know many business people who are adicted to making more money and growing their business, and there are plenty of multimillionaires in the world who are unhappy.  Why do you want more money, what is your purpose for that money, do you want to change career, travel, pursue a new hobbi, spend more time with family, invest in a new business, learn a new skill, or achieve some long standing goal?  If you want to retire earlier what do you want to do with that time?  In all cases have a clear purpose for your wealth, feel into what really makes you fulfilled, this will complete you in the deepest way?   See our Following your Heart Policy

​

Summary and final points

​

With the correct basic financial knowledge, (steps 1-6) and the correct basic psychological knowledge (step 7) everyone is fully empowered to meet all their costs of living, exceed them, invest, build wealth, and financial wellbeing.  With this knowledge, price shocks in the cost of living would never result in cost of living crises, these costs would easily be met by every person in Britain. 

 

We understand there are other issues that contribute to the costs of living difficulties people have.  Two key factors are the huge financial pressures parents come under, and low incomes.  These are dealt with in our Parenting Policy and our Fair Minimum Wage Policy.  We understand also that people who wish to take on higher risks in their life, and go into business or more risky investment, may pursue a different strategy to this, however the ability to manage costs effectively is as essential in business, if not more so, as it is in personal life, and so the knowledge and skills achieved through this policy feed straight into business.

​

We widely describe the current economic environment as 'The cost of living crisis'.  We would never frame things in this way as this tells the people of Britain that they are victims of inevitable commodity price shocks, and that there is nothing they can do about it other than go to a food bank, or hope the government helps.  This fundamentally disempowers people and perpetuates the problem.  Indeed this is a fundamental problem in British and world politics, governments telling people they are victims and cannot resolve their issues for themselves.  Everyone is God would never lead with such a message, we will always empower people to straightforwardly solve their own problems.  It is also important to remember the only source of government help is the tax payer, so in truth there is no such thing as government help, it is tax payer help.  We will explain to everyone that labelling the current economic situation as a 'cost of living crisis' does not help, what does help is to realise that we have a 'crisis of knowledge and poor financial choice'.  In this way we give people the knowledge to solve this problem at it's root.

​

Having said all of this there are many things beyond education that we intend to do to help people financialy and these are detailed in the supporting policies below.

​

For example, our parenting policy financialy supports parents, and ensures people will not be in lack and have spending addictions.  Our Economic and Business policy seeks to double GDP per capita.  And our education policy contains all the knowledge of wealth management and psychology that people need.  When everyone has this knowledge, cost of living crises will become impossible, as everyone will be fully prepared and easily absorb any cost of living price shocks.  Indeed having this knowledge will bring about a profound paradigm shift in the entire economic and psychological consciousness of Britain.
​

Wellbeing and costs benefits of our policies.

​​

There are widespread wellbeing and cost benefits of this policy.  Struggling with cost of living is very stressful indeed, and leads to a lifestyle of difficulty and panic management of money.  This life style is detrimental to every aspects of someone's life, their happiness, relationship with their partners, children, wider family friends, and at work.  Whereas managing money well gives people a sense of wellbeing, safety, and grounding.  This gives them a strong foundation upon which to create what they want in their life, and enables them to become highly productive in society.  In this way people with the right knowledge and strong financial bases, are fully empowered to help themselves and others.​

​​

It is difficult to put a figure on the cost benefits of this policy, but bear in mind that when fully achieved it completely transforms the entire consciousness around the understanding of economics, money, and how to managed it.  This positively effects the entire British economy in many ways, such as:

​

• People are much clearer on the importance of working effectively in their jobs, thus boosting productivity throughout the economy.

• Much higher understanding of the value of money, resources, and waste, throughout all the economy and society.

• Less time off work due to stress.

• Less claiming of benefits.

• Less homelessness.

​

Trying to estimate a figure for this is complex and beyond the current resources of our party, however a 1% increase in GDP is in our view conservative, a saving of £30 Billon per year that can be invested in public services.

​

My personal experience

​

This policy is not speculative, I know from personal experience exactly how well the 7 point process above works, and how reliable it is.  I am not wishing to brag about my actions, rather I want the British people to know that I am talking from direct experience, and know what it is like to struggle with money and low income, but most importantly how even under these circumstances you can thrive financially. 

 

I am in a sense a somewhat extreme example of this policy as in 1997 at the age of 24 I set up my first business, and was earning in the region of £1.90 an hour for the first four years (around half the minimum wage at the time), i.e. £4000 to £5000 per year.  I met all my cost of living expenses, without help from the government, my parents, or my partner, whom I shared living costs with equally as at that point we had no children.  My income did not grow much from here until 2015 when I was 42, at which time a long-term commercial property investment strategy started to generate income.  I was in my 30's before I earnt more than four figures and throughout my thirties I was earning in the region of £12,500 per year.  This was around half the average amount I was paying my staff that I employed at the time. 

 

However throughout this period up to to 2015 I saved extremely hard, and was able to raise £600,000 to invest in building my commercial property investment, through savings, loans, and re-mortgaging my home.  I must acknowledge that I had some help, I had low overheads as I used an old farm building that my family owned to run my first business from, I did receive a £10,000 investment from my ex wife, and a £120,000 loan from my family, but the rest of the money was raised by myself.  Ultimately my investment paid off, and today I have no debt of any nature and just fall into the category of multimillionaire.  I note that I still would have been able to have gone ahead with my property investment even without the help I received, in would have been at a delayed and smaller scale, but the outcome in this case would have been similar, and I would have still resolved my financial difficulties and become wealthy.  I know from experience exactly how on even minimum wage, you can build substatial wealth in your life.

​

In contrast I noticed that my staff, who as I mentioned were earning twice as much, were on a completely different financial trajectory, and in many cases without children (I had two with my ex wife), or even a mortgage or rent in some cases did not seem to be thriving financially.  One of the things that kept presenting was that I noticed throughout my childhood, of watching the people my father employed, and throughout my experience of employing people, nearly everyone seemed to find it difficult to save and invest. 

 

Three examples of this are firstly a bricky my father employed for a period, who loved drinking Guinness, and at any time when he lost his job, would carry on drinking Guinness and simply live in the back of his car in the pub car park, as he never had any savings to pay rent. 

 

More recently in 2022 I employed (for a short period on a self employed basis) a man in his 30's who told me at length about the large sums of money he earnt in various trades and professions, I believe without any exaggeration.  He never saved any of this and never invested in any assets such as a house even though it was entirely within his means.  After this he met a partner who had children, and he explained how he and his partner both experienced significant abuse in their childhoods.  We became close and he at first was very enthusiastic about working for me, indeed he was an exceptionally hard worker.  I tried to help him with his financial and private affairs, and he openly told me about his struggles and hopes in life to have a home in a rural setting. 

 

However his actions and that of his partner were taking them in the opposite direction, it was clear that both he and his partner had spending addictions (due to their childhood trauma and lack of parental love).  One conversation stands out in my memory where I was trying to explain the value of saving money towards his goal of buying a home.  He told me that he and his partner had spent around £2,500 on Christmas presents for their children, at a time when they had no savings, where he had no reliable income, they were short of money, and they were receiving benefits.  When I tried suggesting that it might be better to spend less than this in future, he became defensive and said that this spending was 'sacrosanct and could not be touched'.  He became disillusioned with me and the advice I was giving, and his performance at work lowered to the point that I had to end his contract.

​

Another example occurred when I was speaking with the owner of a well establish contract plastering company, and he told me that he was paying one of his plasters over £100,000 a year, and had a request from this employee to borrow money as he was finding it difficult to cover his living expenses.  There was no indication of extraneous financial burden on this employee and it appeared that he simply was spending everything he earnt and more.

​

I do not write all of this to criticise the British people or suggest that I am exceptional in some way.  I write it to explain three things: 1 - The huge need throughout much of Britain for in depth financial and psychological education, 2 - The fact that there is simple answers to these problems i.e. the right knowledge being made available to everyone, and 3 - My party's unwavering commitment to seeing that everyone in Britain is equipped with this knowledge, so that they can thrive in their lives.  It is my hope that everyone in Britain and throughout the world, thrives and prospers.

​

​​

Supporting policies.

​

Fair Minimum Wage Policy

Economic & Business Policy

Parenting Policy

Education Policy

Following your Heart Policy

​

​

​

Witten by Marcus white © 2026, 27-5-2026.