Invisible Worker – Details, episodes & analysis

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Invisible Worker

Financial Wellbeing Forum

Business

Society & Culture

Education

Frequency: 1 episode/40d. Total Eps: 6

Meet over half of the working world. They are the machine that powers our society - from making your coffee and emptying your bins, to caring for your relatives and delivering your parcels. You might see them as ‘frontline’ or ‘essential’ workers…or you might not see them at all.

Invisible Worker explores the financial landscape of our most diligent workforce. By speaking to experts in mobility, inclusion, policy, research and more, we find out where the problems are, and how we can start to fix them.

Hosted on Acast. See acast.com/privacy for more information.

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Apple Podcasts

🇬🇧 Great Britain - business
25/12/2024
#86
🇬🇧 Great Britain - business
24/12/2024
#57
🇬🇧 Great Britain - business
23/12/2024
#55
🇬🇧 Great Britain - business
22/12/2024
#56

Spotify

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https://www.linkedin.com/showcase/103269968/
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RSS feed quality

Good

Score global : 74%

Publication history

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The behavioural science of money

Season 1 · Episode 5

Monday, December 16, 2024 • Duration 49:42

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A huge thank you to my guest Owain Service for coming on the show to talk about the behavioural science of money and to unveil the new research we did together.

Here are some of the links to topics we discussed on the show.

Use the Institute of Fiscal Studies tool to check how your household income stacks up against the rest of the UK. I hope you finished the showing perhaps feeling richer than you started, but if you want to check it out to be sure this is a great tool.

The Office of National Statistics (ONS) Annual Survey of Hours and Earnings is a great tool for understanding how pay is distributed. You can also get a snapshot, as I did, from looking at a single month of ONS data

In preparation for this episode Owain advised me to read the Perils of Perception by Bobby Duffy, which was fascinating. I also brushed up on the Thaler and Sunstein’s “Nudge”

Finally, we talked about Scarcity Mindset which is something I’m fascinated with, so much so that I wrote my own short paper about it, Mind Over Money. It’s a relatively short read, links back to some of the sources we discussed on the show, and as a bonus has a brief history of the concept of Scarcity Mindset and how some of the data I observe in my day job as Chief Impact Officer at Wagestream is potentially connected to this phenomenon.

Hosted on Acast. See acast.com/privacy for more information.

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Why do we make the poor pay more?

Season 1 · Episode 4

Monday, November 11, 2024 • Duration 37:51

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Thank you to Sara Davies, Senior Research Fellow at Bristol University Personal Finance Research Centre. Sara has been hands on developing the framework for measuring the poverty premium and in my day job I use her research to calculate and report impact. 💪💪💪

Although we pitched this episode as being about measuring the poverty premium, mostly we spoke about how and why it arises, and some of the methodology behind the measurement. If you want to get into the technical details of how it’s measured, here are some of the resources we mentioned on the show:

David Caplovitz’s 1963 book “The Poor Pay More: Consumer Practices of Low Income Families” → borrow a copy from the Open Library
This early report by Save the Children shows the potential cost of the poverty premium
Paying to be poor: uncovering the scale and nature of the poverty premium, published in 2016 is the seminal work from the Bristol University Personal Finance Research Centre. Some of the methodology (and data) has since been updated, and there’s a wealth of information about the poverty premium on the Fair by Design website
We spoke a bit about scarcity mindset on the show.I’ve written a short report called Mind Over Money that explores this in action, and links to further background reading.

Finally, if you want to feel appalled about the cost of the ‘loyalty penalty’ have a skim through the to the Competition and Markets Authority.

The loan shark next desk

Season 1 · Episode 3

Thursday, September 12, 2024 • Duration 37:51

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When you think of an illegal money lender, perhaps you think of a shady figure in a dark alley, or a faceless contact on a phone screen. You may not picture your next door neighbour, your work colleague, or even your friend. More than one million people in England are currently in debt to an illegal money lender, and two thirds of this group thought they were borrowing from a friend. Loan sharks prey on the financially vulnerable, those with unavoidable expenses, and no other financial choices - in this episode, we learn who they are, and how they’re being stopped.

Cath and Anna work on the front line of the England Illegal Money Lending Team, working to investigate and prosecute loan sharks in the UK. Their team comprises specialist investigators and Liaise Officers who have experience in all areas of the legal and finance worlds.

Show notes

A huge thank you to my guests Cath and Anna who came on the show to share the work of the England Illegal Moneylending Team (aka Stop Loan Sharks).

We created this episode to put the spotlight on the work the team do, and to shine a light on a couple of worrying facts:

Around half of all people who use a loan shark are in work
1 in 5 people meet their loan shark in the workplace

If you suspect someone is operating as a loan shark, report it by calling this 24/7 helpline: 0300 555 2222.

Here are some links to the research, reports and organisations we covered on the show:

The most successful government intervention of all time?

Season 1 · Episode 2

Tuesday, July 16, 2024 • Duration 41:23

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This episode is around savings, and how saving into a pension was made easier through one small, but significant change in process. Less than 50% of UK workers were saving in a pension prior to 2012, and more than 80% now do - and our guest played a role in helping this change become the default across the UK. What’s the next innovation that will change millions of lives?

Show notes

A huge thank you to my guest Helen Dean CBE for coming on the show to tell the story of how pensions auto enrolment unfolded in the UK, plus how we might use that blueprint to drive a similar scale of intervention in short-term savings. I was lucky enough to get some of Helen’s time in her very last week as CEO of Nest Corporation. Hers is a unique story and I am so grateful for the time she took to tell it. And wow, what an impact she’s had on so many working people in the UK.

Here are some links to the research, reports and organisations we covered on the show:

Professor David Laibson’s work inspired both auto enrolment and opt-out savings trials. Have a scroll through his work to find out more, or simply to feel awed by how much he has produced since receiving his PhD in 1994.
All the papers by the Pensions Commission are published on the government’s National Archives.

If 300+ page reports don’t float your boat, the Institute for Government has a nice and short (13 pages) summary of the work and output of the Pension Commission. Alternatively you can download the exec summaries from the National Archives and skip the technical annexes.

Who calculates the Living Wage?

Season 1 · Episode 1

Thursday, June 6, 2024 • Duration 34:53

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A huge thank you to my guest Nye Cominetti, Principal Economist at the Resolution Foundation for coming on to talk about all things related to the Real Living Wage.

Here are some links to the research, reports and organisations we covered on the show:

Living Wage Foundation - for more information about what they do, how to become accredited and the current ‘real’ living wage.
Resolution Foundation - find even more research on living standards and labour markets. Bonus: I highly recommend signing up to their Top of the Charts Friday wrap up newsletter. It’s short, punchy and very, very topical.
Report: 20 years of the National Minimum Wage gives a history of the minimum wage as a policy intervention, plus how (and who) it has helped.
Report: Calculating the Real Living Wage for London and the rest of the UK: 2023 steps through the methodology that Nye and his colleagues use to calculate the Real Living Wage. Get more detail about the household compositions, the shock absorber, and the interaction with the benefits system. Check out the data tables at the end to do your own analysis like I did!
Report: Check out the household budgets that drive the Minimum Income Standard. Flick through one of the budgets to get an appreciation of the detail that goes into calculating the Real Living Wage.
Report: Low Pay Commission Report 2023 sets out the evidence the government relies on to set the National Living Wage and National Minimum Wage rates.

Introducing... Invisible Worker Podcast

Season 1

Thursday, May 30, 2024 • Duration 00:39

You might see them as ‘frontline’ or ‘essential’ workers…or you might not see them at all.

A podcast exploring the lives of more than half the working world.

Hosted on Acast. See acast.com/privacy for more information.

Invisible Worker – Details, episodes & analysis

Podcast details

Recent rankings

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Invisible Worker – Details, episodes & analysis

Podcast details

Recent rankings

Apple Podcasts

Spotify

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