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'An appalling way to store money': Rory Sutherland on pensions and property
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- Published on Apr 16, 2026
- Advertising veteran and behavioural science thinker Rory Sutherland joins Tom Swarbrick for a phone-in. He explains why rising productivity and longer working hours no longer translate into greater prosperity and that housing costs and policy blind spots have quietly absorbed the gains that once made work pay.
0:22 | What really matters in marketing according to Rory Sutherland.
0:55 | "Economics and data has become over-dominant in decision making instead of human behaviour and human perception.”
2:13 | 'The problem is people are trying to win a debate. They’re not trying to solve the problem.'
3:46 | 'There’s a huge creative opportunity cost when you try and be right.'
12:29 | Caller Dave in Broxbourne asks about 'whether it is important to have a welfare state'.
18:41 | “The cost of bureaucracy isn’t the obvious cost incurred; it’s the opportunity cost - it’s the number of things which never happen because it’s too slow.”
21:51 | Caller Andrew in Almouth asks Rory how he should spend his tech start-up's £10k advertising budget.
32:20 | Will in Highbury asks how Rory feels about aristocratic land holdings.
Listen to the full show on the all-new LBC App: app.af.lbc.co....
#tomswarbrick #rorysutherland #LBC #ukpolitics #uknews #debate
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I’m 30, my partner 28 and we bought our first house two years ago. We both went to uni, worked hard and got jobs that pay well but are by no means cushty. With a joint income of £75k and 6 years of hard saving, we could only just afford a very modest 3 bed semi in a village outside of Derby.
My Mum at age 20 bought a house almost the exact same as ours literally up the road. She saved for 2 years, bought it on her own whilst working in admin for the council (a very basic wage).
House prices are the biggest influence on the economy and the reason my generation has it so much more difficult than the boomers
How much was your mortgage if you don't mind me asking ?
@D@D-A-A- Not at all, If I remember correctly we put down £44k and mortgaged £216k at 4.6%.
I'm in a similar situation. My salary is £75k but my wife is looking after our kids right now. We had £80k to put down after selling my flat + some savings. But, even with all this, we could only afford a small 3 bed semi with A LOT of work to do to it. We're barely covering the bills right now. I've checked all houses in our area and typically the house prices,even after adjusting for inflation, have still doubled in value. My house should be £150k with inflation adjusted but we ended paying £300k. My parents house should be about £180k but it's been valued at £500k. Bungalows going for £700k in my area now. The houses are still getting snatched up. Where are all these supposed millionaires with that kind of disposable income?
I know it's more expensive now, but its not so easily comparible. Interest rates for boomers went up to 15 percent at one point. It wasnt a easy then as people think now.
@keysersoze3866 Bottom line is my Mum could afford the exact house as mine on her own, earning a basic wage after just two years of saving. Yes interest rates went mad but only for 3 years, and only for a few weeks did they peak at 15%.
It was absolutely easier back then.
Education was harder and jobs were less abundant, but cost of living was incomparably cheaper relative to the average wage.
Work full time, work hard, but no you won't be able to afford a house, a family, and your pension is basically worthless.
Working smarter makes one rich…not working harder for low wages.
Rory Sutherland is on about every 3rd RUclips short I watch.
And uses lots of words without saying much
@Judep4237I find him interesting. Some of it is a stretch to fit the observation and the underlying reason but most of what he says sounds common sense and logical when you think about it. The world would be less interesting without his nuggets of wisdom.
@Judep4237This is a weak critique because I know you'd struggle to explain yourself. It's not true.
@Judep4237Could it be that he is above your pay scale?
@Judep4237 his entire point is efficiency loses something... keep up
I think it’s time LBC gave Rory Sutherland an airtime
slot.
The man certainly loves the sound of his own voice to give JoB a run for his money.
Great shout, he talks a lot of sense
@croneryveit9070 I do as well to be fair.
@harryfieldsend1450 i like them both, it’s just an observation more than anything else.
@croneryveit9070 jobservation
I could literally listen to a 24hr podcast of Rory, never a dull moment, always mind bending
Im a public sector manager, on a decent wage apparently. After student loan repayments, pension etc then my rent and energy etc, i have a bit left to live ok but still have to shop at Lidl and watch my spend. 10 years ago, my predecessors were buying sports cars, holidaying abroad, living large. Times have changed for the worse.
Times have changed for the worse *for everyone but the super-rich*, you mean. The people at the very top are doing better than they ever have, with no signs of slowing.
I 100% agree with your views on pub culture in Britain. As a foreigner living in London, I absolutely admire and love this pub culture, and it breaks my heart to see it dying. It’s not just a place where people drink; it’s a community-building space where people socialise, make friends, and blend in with local communities.
They say Gen Z isn’t drinking, and honestly, they’re right. Where are they supposed to find the money? When I was growing up, beer was cheap. Now it’s a premium drink, and I have to think twice before ordering one.
I'm old enough to remember when a pint of John Smith was £1 at The Prince in Wood Green, and I'm talking only 22 years ago.
I made a rare outing to a pub the other night to catch up with a friend, and it was £12 for two ales, so let's call it £6 per pint.
Had my annual salary grown by %600 since 2004, I would have a very different life indeed.
In 1985 beer was £1 a pint and a house was £45,000.
Now beer is £6 and the house £300,000. So slightly more expensive relatively.
The landlords have been raising rents/leases on the pub as well. My dry cleaner, 2 shoe cobblers, and abt 5 restaurants by me have all had to close bc their rents skyrocketed after covid. Now all those spaces are sitting empty.
@stephfoxwell4620 In 1981 the average weekly full time salary for men was £125. The average pint was 50p. So what's 250 pints of beer. In 2025 the average UK weekly salary was just under £800 a week. Let's say the average pint is £6 that's 130 pints.
@Sifar_Secure You are being highly selective. Average UK wage was £104 a week in 1981. You left out females for some reason.
Beer at my parents Devon pub was 58p in 1981. So 178 pints.
Today the average wage is £765 and beer is £5.75. So 133 pints. Making beer about 25% more expensive.
I knew that caller was a sales person within 10 seconds hearing him waffle.
My brain switches off as soon as I hear that sales-speak
You aren't too smart as he says he is in his opening statement 😂
😂😂😂
Totally love the thought that POLITICIANS are being VERY BADLY ADVISED....👍👍👍
I could listen to Rory Sutherland all day.
he would get half way through a point, if you did
Some do!
Me too. I wish Tom would give him a word in edgeways.
I've seen a couple of Rory's other recent interviews/podcast appearances wherein he's pretty much making the same points etc and wow the host really shows the value of a proper journalist/interviewer. Always pushing deeper when appropriate and clarifying etc - meant there was a lot of new nuggets in this one despite being quite similar in content to Rory's last couple of interviews.
It has long astounded me just how utterly out of touch government seems to be most of the time.
The idea of looking at something through the eyes of a citizen should not be a revolutionary strike of genius.
It could be that they simply don’t care about the citizen. I’m sure if they wanted to understand the perspective of a citizen they could
It is the asset class that we need to target. As long as billionaires like Zuckerberg can claim they earn less than $150000 a year in salary payments we will never have fairness. The richest do NOT earn their money through salary payments, they borrow money against their assets to avoid paying tax. It is the rich who make the rules and of course, they make them to enrich themselves.
So you're advocating for asset seizure. Got it.
@lolomgwtfbbqqqqyou need to read my message again. Taxation should be fair, based on ability to pay not by how expensive your accountants are and and how much influence you can have over the political establishment
@djoldschoolWhere your theory breaks down is that you make no distinction between borrowing to expand a business, thus creating jobs for others, and borrowing to acquire non productive assets. That distinction is the essence of much of what Rory talks about.
@russ9921 I disagree. The rich use the 'buy, borrow, die' scheme. Wealthy family buys stocks, bonds, real estate, art, or other high-value assets. It strategically holds on to these assets and allows them to grow in value. The family won’t owe income tax on the growth in the assets’ value unless it sells them and makes a profit.
Wealthy families then borrow against their assets’ growing value and uses the newly available cash to live off or invest in other assets, like rental properties. The family does NOT owe taxes on its asset-leveraged loans because the government doesn’t tax borrowed money.
Wealthy family uses its untaxed wealth to access significant amounts of untaxed cash to live luxuriously while continuing to grow its wealth, untaxed, indefinitely.
They can then pass these assets on to their heirs, as wealthy individuals in the UK mitigate 40% inheritance tax (IHT) on estates over £325,000 through legal, long-term planning, primarily using trusts, lifetime gifting, spousal exemptions, and business/agricultural reliefs. By placing assets into trusts, gifting assets seven years before death, or investing in qualifying assets, they reduce the taxable value of their estate.
The game is rigged my friend.
@lolomgwtfbbqqqq another way is possible. Why not taxing money borrowed against assets to a rate that would equal the difference between interest rate and tax rate if same amount was distributed from same assets.
Absolutely agree, housing should be seen as a commodity not an investment and people or companies that do nothing with land should be taxed. Planning permission is often blamed but there is plenty of land waiting for 1000s of houses to be built across the UK. Something he didn't mention is the price of general bills. Water went up because of corruption/greed and electricity is still too expensive. Electricity producers are making a fortune despite profits being regulated, which the government could change.
Please bring Rory back. He is a breath of fresh air.
Interesting initial argument that businesses don't just increase prices without something in return. Clearly hasn't heard of shrinkflation and greedflation, the latter of which is the main reason everything is so expensive now. Big money hungry corporations rinsing people for every penny they have so they can increase their profits.
We need strong competition laws back
Take your point. But the whole idea of Shrinkflation is that it is a case of Businesses trying to HIDE from consumers the fact that there is no Value-exchange. They hope people do not notice because prices can remain fixed.
i see you and biden never heard about inflation
@CleanerMark Feel free to google the following article: 'Half of US inflation due to high profits, report finds'. Clearly there are very legitimate reasons for organic inflation, the issue is that too much of the inflation we've seen has nothing to do with those factors and everything to do with corporate greed artificially pushing prices up. I also have no idea why you bring up Biden, especially seeing as there is still high inflation in the US now (in in part because of the fact that) Trump is in office. I would suggest looking for other sources of news besides Fox 'News' and Facebook. You might learn something
@matthewframpton8737 "They hope people do not notice because prices can remain fixed."
When a consumable thing becomes smaller that's one thing.
When a durable thing becomes less durable is that the same thing?
When durable things become consumable things is that the same thing?
When everything consumable has a subscription rather than a purchase price and they keep jacking up the subscription whilst shrinking the product do we have just cause for concern?
Noone talks about leasehold scam
Ground rents have just been capped…
@nikolajzachary1081
No they haven't. There's talk of it. But as we've seen with this government.... They're usually cowed and backtrack.
well some papers do, to be fair. Until such time as it is banned just AVOID like the plague!
Living in uk is a rip off
A lot of people have realised they don’t want to be rich.. they want to be happy. Once you get to this point capitalism is dead in your head
There's still a minimum survival figure that is simply unachievable for many. Those people are neither rich nor happy.
@androod6211well sure, but once you don't see the accumulation on wealth as the main goal (and that policy stops facilitatinh it at the expense of everything else) it becomes quite a bit more achievable to lift as many people as possible past that minimum income.
@maximeteppe7627 No. Clearly, you're not working class. Accumulation of wealth doesn't enter the conversation - it's pure survival and the stress associated with trying to survive. A life of drudgery is not mentally sustainable. Unfettered capitalism is almost as disastrous as communism. And there's no such thing as trickle down.
@androod6211I'm a struggling artist living under minimum wage as a freelancer but thank you for checking my privilege.
To clarify: when policy is designed exclusively to roll the carpet to billionaires, there's no money for the rest of us and we're all in survival mode.
When we stop tailoring all policy for billionaires, we can make policy to rebuild a middle class, and reduce poverty.
Happy to live off the fruits of capitalism?
Young professional here. 2x Solid STEM degrees. Trapped renting and watching my target deposit accelerate away from me as house prices rise faster than my ability to save. The social contract is broken.
You can't put £30K together in about 5 years?
@o-o0O0oo0O0o-ohouse prices are lower now than 20:years ago in real terms
You need to be honest with yourself and make some hard sacrifices.
Move somewhere smaller and cheaper. Cut out all treats and save like crazy each month into ISA index funds.
We saved £30k in 2 years doing that. It was hard and got us a serious fixer upper that was pretty uncomfortable living for about 5 years.
@RJB-eipi
Not my experience, but affordability was much more stretched then.
@user-gz6tx6yp3v There isn't anywhere smaller and cheaper unless you move somewhere where there isn't any jobs.
This two income housing affordability issue (35 min in) is the same here in Australia and likely in many other Western countries.
Great conversation. Rory gets everything!
It’s always fascinating seeing how people respond so favourably to guests choosing to answer questions philosophically, falling back on quotes from their books, instead of directly. A lot of the guests (who happen to have a new book) on the podcast circuits do it.
They start answering, “you know it reminds me of this quote..”, “i like to refer to something I call…” I like to use the analogy of” then quote their book or someone else’s. They deliver their word salad for the 1000s time no matter how little it relates to the questions and it sounds so profound.
Agreed, the interviewer could stand to be less sycophantic and press him to answer the question actually asked. The 'GPT' style answer appears to dazzle him. At least for Rory the non answers are generally interesting rather than outright evasive.
Really interesting
Rory is an extraordinary person. Was a pleasure listening to him.
"Aspergic discipline" lol
So refreshing to hear someone talking about the problem with housing and how the cost of rents have ruined this country!
And the conflict of interest means nothing will be done about it!
I will never get bored of listening to Rory. Fascinating guy.
“The thing that’s keeping people poor is the cost of housing”. 🎯
Also their wages have been stagnant for like 50 years. While the cost of everything else has risen substantially. This is because workers are not represented in western governments and its time liberals stopped their intentional ignorance on the matter
Poverty exists not because we cant feed the poor, but because we cannot satisfy the rich
And healthy food, daycare, cars, insurance.
Or has your pound just been devalued so much?
Why do you think you deserve anything? Is this entitlement
Inheritance tax based on the amount each recipient receives (more recipients, less tax) rather than simply the value from the source is a great idea!
Always thought that it should be taxed based on what you can receive, rather than on the whole you give away. Glad Rory is aligned with me 😋
I agree this is a better way but I reckon this is an easy loophole to exploit for rich people.
Loved this.. especially watching Tom's rising panic/skilful handling keeping Rory on track.. (many others.. usually podcasters.. fail in this regard..)
1000%
Really interesting discussion. Loved the Jimmy Carr conversation when he was in too.
"You're ability to tax any group is determined by......The Daily Mail!" Genius .
Brilliant
Let's save the High Street, Pubs, Restaurants, Caffs, Shops
First time I've ever heard someone talk sense on LBC
This is what happens when you treat homes as currency. Winners and losers. And there are more and more losers.
Rental properties are a business. They become currency when they are paid for after 25 years of paying a mortgage.
I received my first CURRENCY on 20th January 2026. I'll be 65 in March.
When tenants pay the rent, it's a win-win. I get the currency and the tenant gets a roof over their head.
I went to a council estate comprehensive school in the 1970s where I met my wife. No inheritances, no lottery wins.
It took a long time to own the property we rent out.
@andrewrobinson2565 Nothing wrong with people buying their own houses. Plenty wrong with people buying second, third and fourth houses to make profit. It reduces supply and raises prices. If people have money to invest, they should buy gold or wine or art, I don't care. But where I live in Cornwall, it has shredded the opportunities for locals to stay living in the place they love.
@PaulK-ve1pu I live in France. All my property is in France. It's legal here and it's still legal there.
I own zero shares because I believe in investing in something I can touch: bricks and mortar.
My wife lived in a council house all her childhood.
@andrewrobinson2565 Its great to be able to emigrate for a better life
@sarahann530 That's right. We got out of the UK in 1986 after the Miners' Strike. We saw no future under Thatcher.
Before the British working class voted to lock itself in and throw away the key in June 2016 it was as simple as paying attention in French lessons at school and buying a ticket for the ferry ⛴️.
Excellent. Thank you
Wonder if LBC allowed Rory to vape in the studio?
That was a brilliant listen!!
I don't want to be rich, I just want to live.
I want both🤣
I want to live a meaningful life where I am comfortable enough that I can help others.
Then you need passive income. Stocks and bonds that pay enough dividends and bonds to cover your expenses. I spoke to Harold Nagy and his investment advice changed my life.
@dannyarcher6370You will never keep up with the returns made by the rich in private equity. The gap grows anyway. While you make 3-4% after inflation, generational wealth is buying out entire industries and jacking up prices to return 10%+.
@dannyarcher6370you need money for that
This episode was such a treat to watch, could say a lot but thank you ! Would love to listen to Rory all day ✨
I worked my way up to manager for an asset manager struggled to save a deposit, in a 1:1 with one of my team he said his parents had given him a huge deposit and didn't feel the need to work hard. I can't blame him, why should he, working hard doesn't reward people anymore, you only get ahead now unless you have bank of mum and dad
The labour party won't like that. They don't like parents gifting to their children, they want the children working insane hours and pay loads in tax and NI
@grahammerry7031would happily see bank of mum and dad taxed at 40%. Let the house prices fall so young people can start having families again
Trying to win a debate rather than solve a problem
Spot on
My Mum's flat is probably worth 1 million and we looked at selling it to get a smaller flat. But she can't afford a 2 bedroom flat in the same area. So she could be cash rich but with nowhere to live near her community. To start again in another town isn't possible for her at her age. Her neighbours look out for her here. Her GP and pharmacy know her. It's hard for the elderly to lose community. Some elderly are tied to their property because they can't start again.
Inheritance tax awaits you........ACT NOW
Sell and rent, after a certain age. Invest the balance in an income generating fund.
@nickredvideo what fund though? Isa? Not enough interest and the new regs are ridiculous.
Really love this take. I’ve always wondered for years why politicians never talk about the massive challenges of the property market and the burden on young people.
I listened to this on 1.25x speed and didn’t even notice
Upped it to 1.5 and it was still absolutely fine. Thanks for pointing out the speed. Could do 2x speed but im happy with 1.5.
@SunnyS3506apparently you can train yourself to watch most things at over 2x and still pick up most content. Watched a video about it (funnily enough) Definite time saver
Brilliant interview! Well done to both!
4:58 why the cut?
Potentially ads? It is a radio show
@Froge0mid question? Unlikely
Working full stop makes no sense anymore
Loved this guest.
Wages are simply too low.
Yes, as are benefits
@n@northwestcoast
Your sarcasm is irrelevant. Benefits can be as low as you wish, it doesn’t change the fact people will never be able to afford their own home with potential earnings in most jobs.
Taxes are too high. Among other things.
Not really. It’s just that tax, rent, food, energy and property cost too much.
@PuolAvowd All true, but wages are also too low. Places like the USA have ppp adjusted wages some 30-40% higher than us.
It should be compulsory for the whole population to watch this 😊
The usurious bankers are silly printing money not backed by labour or product and this weakens our hard earned pounds.
Rory Sunderland is a true hero. He should be on more things
We talk about welfare gaming the system but never how rich get loophools in the system. Who makes it worse
The rich receive more in welfare payments than the poor.
There are intentional loopholes, but they never tell you.
The left talks about loopholes all the time but never about how working people are taxed to the bone
@CleanerMarkif the rich were held to account and taxed correctly the rest of the population would be better off.
@lostindisordertrue, but equally true if more people got off their arses and worked the rest of the population would also be better off
Really enjoy listening to this man speak
That was absolutely brilliant. That’s made more sense to me than anything I’ve heard in the last 10 years. I applaud you both.
Nice to see the conversation turning to things that were patently obvious 20 years ago
It's just not true that businesses always offer a quid pro quo, water companies raise prices, online subscription services raise prices (Netflix, Xbox pass etc), online platforms impose changes to terms of service or remove features assuming there is a captive market. Give any business the chance and they would love to impose a monopoly (look at vendors during the 2012 Olympics, or food/beer vendors at festivals.) Imposition upon the little people in a function of power when there is no growth in the economy.
I feel Rory would agree with you. Because a landlord would also raise rents without offering a quid pro quo. It's the same idea.
The problem is the monopoly/captive market. Market economics specifically warns against it.
Really enjoyed this. Great points and food for thought even if you don't agree with all of them.
As a neurodiverse person it's not great being lumped in with an extraordinarily diverse group of individuals
😢
Can you explain a bit more about what you mean?
I love this guy.
Councils are giving away land cheap to developers in the hope they build cheaper houses or house prices will drop. Neither happens. Unless the govt subsidies or build on a not for profit basis.
its almost impossible to get a permit to build you fool, and even if you get it there will be some random morons nibmys who will block you
Where is this happening?
@CleanerMark in yorkshire and lancashire. Houses are being built, but prices arnt dropping
@danh4859 in north west and north east.
@s6edge706 you need to build millions to affect prices
I like Rory's output. The fact he's very adamant that he'd rather be open about what he's learnt through the years, in the hope it can be of use to anyone listening is worth it's weight in gold.
Need more honest voices like Rory. Can’t wait to see him on question time pushing MPs about conflicts of interest and housing.
Rory is someone we need to see more of on mainstream platforms.
I like Rory, but he is the master of answering a question that nobody asked, also the master of giving examples and analogys 😂
I'd rather hear him answer a different question than most people answer the actual question
‘No business does this’.
Unless you’re working for them…
Inheritance tax being based on the income of the recipient makes alot of sense
@jdizzle1779 That's how it works in France
Love this guy
Why was the borrowing of publicly printed money for the last three decades of asset and firm mergers outsourcing and consolidation, all which required rewriting of existing laws preventing it aswell as the privatization of publicly held assets with sweetheart deals not considered collectivism that benefited a class in society. Why is it only collectivism when my taxes go to support my uncle on welfare not when my taxes go to support printing money as government then borrowing the same money from private banks at 6 percent to fund the privatization of water treatment. I have a better idea next time tge water treatment is privatized have the welfare office get the shares in the company that will get the privatization contract and have the home office borrow the money from the central bank at 1 percent and lend it to the welfare office at 6% to make its bid. That way when my water bill goes up atleast I am paying welfare and the home office as part of the collectivism and not hedge funds and PE.
Why can't we have one tax free safe investment? Why's that wrong? The government has already taken half at source.
Its not really working for people who dont already own a house though is it
@jimbo4375 the fact that it's allegedly harder to get on the ladder.
Doesn't change what I said.
Fyi interest rates were 15% in the 70s
I really like the way Rory said some things here. Couple things I've been saying for a while. Well articulated perspectives.
First! This guy is a treasure.
Such a clever guy and such a fascinating conversation. Exactly the opposite of the people who are pretty much in government and civil service
Andrew plugged his company without have to pay LBC a penny in advertising fees. Well done Andrew.
He new the answer to his question before he asked it and ironically used a phone to do it 😂
Guests generally go on shows to plug something. The payment is their presence on the show.
@rickkybalboa He wasn't a guest on the show. He was a caller.
amazing
Tom is the only person i watch on LBC. Only one who seems to have a brain. Rory is a fantastic guest.
He's a bit Tory...
JoB is far superior
Rory Sutherland is a national treasure. His insights are always a joy to listen to.
Over 50 own a home; that gap is closing; me 45, not a chance without a lotto win😒
Thanks for reminding me to check the euromillions draw from today.
Need to hear this guy more
Work only makes someone else money.
Factually false but i get the sentiment
The taxman
tell that to the lawyers where i work who work for the company but make millions. sure they are making even more for the company but they are still making a huge amount for themselves.
The migrant hotelier
The landlord
Rory and Gary S are the two best thinkers/explainers on the "RUclips circuit." If only all commentators were so erudite the world would be a better place. Particularly the US.
They say a lot (of which I agree with almost of it) but who is actually going to do anything about it?!
Host looks most uninterested
Absolutely brilliant… love Rory Sutherland ❤
Love this guy. Very smart. Talks sense.
Carefully considered incentives, not blanket fits all policies
How much decline in wages have the Chinese suffered over the last 60 yrs?
I mean, look at their wages and changes over the years bud... it's not the impressive statement you seem to believe it is.
China was a dirt poor country that has to grown to a middle income country, they are still a lot poorer than you, and if you're skeptical of that you're more than welcome to do an experiment and find out.
@yn7751
Indeed. But we had 200 years start. They'll be out of sight soon enough.
@yn7751Ehhhh... it's complicated. In some ways they can afford more stuff and have a better quality of life. Young couples can lease a far nicer property than they could in the UK, no question. But past a certain limit, you can't develop further. You can't grow your business past a certain size, can't own property past a certain time frame, can't move elsewhere without a lot of headaches and bribes, kowtowing to officials, etc. Essentially, simple daily pleasures like having nice stuff, eating out with friends, commuting without difficulty are better in China, even for people on like a 4,000 RMB/month salary (~£400). Those things are getting rare in the UK.
@FoobsTon one of their greatest strengths is the fact that they treat all their people as an exploitable resource. Their growth is down to sheer industry, supported by low wages and low manufacturing costs. One they have to pay their people like we have to, they start outsourcing their labour just like we did..
This guy just Brilliant. .
Love Rory, I would vote for him in politics
When you listen to Trump you feel like you lose braincells. Listening to Rory feels like you gain them!
Rory is such a great communicator. Very impressive.
My advice to any politician before a press interview - sink a couple of pints first.
Whats sad is the amount of young people that have essentially written off having kids or try to wait until they have money and a home to have kids and they end up having kids in their late 30s or early 40s. But by time ur nearly 40 they dont realise its not as fun for u or the kid.
Older people raise wiser kids
@s6edge706 if they have the energy to raise them lol. Ive seen it first hand depends if its ur first or 4th tho. the thought of having a kid past 35 in a few years for me, feels like a lot of work, as much as i would like it. Its more the being close to 60 when ur kids a teenage as well that defo sounds like hard work lol
@TheSmackDownCentreI had 4 children when I was age 34-44 and it's hard work but perfectly manageable.
@TheSmackDownCentre u underestimating urself and ur children to be. 0 to 10 children are fun and cost less. A walk in the park will make them happy. 10 to 20 - they need u less, but they cost more 😂. Ul be fine.
Sounds reasonable enough tho
'know the rules well so you can break them effectively'
Protect this man at all cost
The paperwork drain in the private sector is due to legislation, not because the banks or any other businesses want to do it
Gary Stevenson's economics, is so so right.
Brilliant
4:56 - 5:02 what terrible editing
I like this host, I must say
Having a job is pointless in the medium term, saving up while you start a business & buy assets, is the smart way.
What money are you saving up without an income? Universal credit?
Rory is one smart dude!