Well a lot of people have grand ideas that they're going to save and then never do (myself included!)

Less the one in three cash ISA holders put in over £12k a year. That number falls more if you look at people on lower incomes.

It's also interesting when you break it down a bit. In the 2023–2024 tax year, around 15 million ISA accounts were subscribed to (money actually paid in), vs around 21 million ISAs. A lot of people hold them, but don't pay in.

That's because feckless young people are always running off having kids they can't pay for*

(*See every Daily Mail since about 1932)

The "chavs" rhetoric has really bitten deeply into the British psyche.

Yep. It actually makes it *worse* that Labour achieved some great things in the past. It just highlights quite how awful this "Labour" government actually is.

What he doesn’t understand is that it’s entirely possible to acknowledge and even celebrate the past achievements of Labour governments, while contrasting that with the utter poverty of ideas and values of Labour now.

Unfortunately even a lot of experts have backed themselves into a corner. They attempt to be “objective” by focusing on speeds, features etc rather than the more subjective aspects of the experience the product delivers. “Objective” reviews like that can pretty easily be replaced by AI.

And it's not just Future. Future has just been the company that executed the strategy best. Every consumer publisher was either already making big money from affiliate, or wanting to use it to drive revenue growth. Tough times.

So AI is set to deliver a double whammy to publishers: first, it will reduce traffic as more people lean into AI answers rather than clicking on search results. Second, affiliate revenue - the thing which has driven growth for nearly ten years - is going go fall as people use AI to shop.