I spend far too long writing emails. Before eventually hitting send, I have re-read and edited the message countless times. I double-check any information, of course, but most of my time is spent trimming it down. Repetitions are removed and waffle cut, within the constraint of not sounding rude or robotic. The objective is to maximise brevity and clarity whilst minimising the probability of miscommunications. The other constraint here is my time, which I am currently overspending. It takes effort

It’s a well-established fact that most road users consider themselves to be better-than-average drivers. I am not like most people. I consider myself to be a distinctly average driver. I’m probably better than average at some things and definitely worse than average at others. (Seriously, never ask me to parallel park in a hurry.) In short, I’m very glad that I don’t have a driving test anytime soon. But it turns out that skill might not be the biggest barrier

Last year, I wrote a TFiF that was published on Valentine’s Day. I didn’t take the bait and instead wrote a deep dive on the pros and cons of being a lefty. Romantic for some, perhaps. By chance, my turn to write the company blog has come round near Valentine’s Day again, so this year I decided to write about something that almost everyone in the UK has developed an affection for at one point or another... biscuits! Whether you’re

Donald Trump has announced Kevin Warsh as his nominee to be the next Chair of the Federal Reserve. Mr Warsh is a former Fed official and came close to securing the nomination in President Trump’s first term before ultimately losing to Jerome Powell. I wrote a piece at the time that covered his views, noting that he was a firm critic of unconventional monetary policies, such as quantitative easing (QE), that were implemented in the aftermath of the Global Financial

History rarely repeats itself. But one thing that can be remarkably consistent is the way power hardens, through rules, obligations, and the institutions that administer them. Today's debates on tariffs and defence spending have echoes of Greece in the fifth century before the Common Era (BCE) – not because our world resembles theirs, but because it shows how a security alliance can acquire a fiscal core, and how that fiscal core can quietly become a source of leverage. In 490

Last December I was debating with some friends who among us swore the most. Naturally, no one accepted any of the accusations thrown their way and the conversation reached no consensus. As a Fathom economist and a data nerd, this got me thinking: there must be a way to answer this question empirically. That’s when I realised that I actually do have a treasure trove of untapped data that I could use to answer this question: our WhatsApp group chat.

One of the interview questions for economists at the Bank of England (years ago, when I was there), went: “Imagine a world with no money. Could there be inflation?” To which the ‘correct’ answer was ‘no’. You could see changes in the relative price of certain goods or services, but not in the general price level. And the inference from that: inflation is always and everywhere a monetary phenomenon. At that time, this was a thought experiment designed to illustrate

As the holiday season quickly approaches, and we begin to set our eyes on ringing in the new year, I would like to offer my personal philosophy on New Year’s resolutions. I am a big fan of personal growth and achievement, so yes, I do see merit in setting resolutions. However, I understand why sentiments around New Year’s resolutions are less than stellar these days. From the behavioural economist’s point of view, keeping resolutions can be quite an uphill battle.

UK productivity growth is not what it was. After averaging some 2.2% per annum through the 1970s, 80s and 90s, it took a significant step down around the time of the GFC, averaging just 0.5% a year between 2007–2019. Things have not improved since COVID – in fact, in the four quarters to 2025 Q2 a 0.6% reduction in output per hour took place, according to the latest ONS statistics. Against this depressing backdrop, some are beginning to wonder whether

Having grown up in Galway, a beautiful town on the west coast of Ireland, and lived in cities from Dublin to New York and now London, I can’t help but compare places through familiar lenses: public transport, housing, quality of life, the usual things people debate when they move abroad. But only in the last few years, as I started thinking seriously about long-term saving and building wealth as a retail investor, did I realise there’s another very important difference