Tag: Financial Independence

The Basic Living Standard: Freedom to Think, Freedom to Do, Freedom to Be with Personal Sovereignty that Brings Peace to All

The Illusion of Freedom

One of the biggest misunderstandings of the time and culture we live in is the way we understand, respond to, and relate to what freedom really is.

Many of us believe that we are free: that we can do what we want, think what we want, say what we want, and be what we want.

Yet we all live under rules that must be followed – rules which few would deny are becoming more intrusive, more prescriptive, and increasingly powerful in the consequences they impose if we fail to use our “freedom” in the way someone else has dictated it must be perceived and lived.

The Everyday Policing of Speech

Some reading this may respond with something like “Tell me something I don’t know.” And that would be fair enough, given the growing body of anecdotal evidence confirming that freedom of speech is not what it seems.

Almost everyone we might consider “ordinary” – those without an agenda, simply wishing to get on with their lives – now finds themselves policing their own relationships and interactions with the outside world.

Speaking truths rooted in common sense, or even in the way things have always been, increasingly risks offending those who demand the world operate according to their own design.

The Marginalisation of Independent Thought

Even reflecting on what is, at best, the marginalisation of independent thinking – and at worst, the steady criminalisation of individual thought – opens up a maze of debates.

These debates inflame questions about the role, scope, and power of groupthink, and how establishment narratives are not only shaping, but increasingly dictating blueprints for how everyone must live their lives.

Encroachment by the Establishment

To believe we are free in a world, country, and culture where the establishment seeks not merely to encroach but to manage every part of life is alarming enough.

Yet it becomes even more disturbing when we recognise that these restrictions and attacks on freedom are not created for the common good, but to benefit someone else.

The Role of Money as Gatekeeper to Life, Peace, Happiness and Freedom that is Governed by Someone and Something Else

Freedom Defined by Money, Not Ourselves

Yes, we are already in a fight for those freedoms outlined above.

The fight is increasingly hard because a division has already been created between what we believe freedom is, and what we believe we already know it to be – which itself isn’t what we are experiencing.

That we continually look outside of ourselves for validation should make sense, because when we think about the difference between what we imagine freedom to be – doing whatever we want – and what society actually allows us to do, shaped by those who create the narratives that control society, we quickly begin to see that there is a significant difference involved.

The Manipulation of Meaning

Creating circumstances where somebody can change the meaning of something so that a word comes to mean something very different from what we know it to be could never happen in an environment where people are confident in who they are, their communities, their culture, and what it ultimately means just to be themselves.

We have now reached the point where even the term common sense is being brought into question, sometimes considered offensive or demeaning.

This is because the fundamental basics of life – the value set that upholds the framework for a good life – have been replaced by a system that places money at the heart of everything.

Money at the Centre of Every Choice

Money has become so ingrained in every part of life that, without even questioning our motives, it dictates the decisions and choices we make.

Everything in life is based on what we can afford, earn, save, accumulate, or the cost and risk of cost.

Jobs are about what we earn now and in the future. Insurance is about betting against risk. Education is about securing a career that pays more than a working wage. The house we live in depends on the mortgage and deposit we can save or borrow. What we own depends on money already earned or borrowed. Holidays depend on savings or loans. Cars depend on leases or borrowing, unless bought outright.

Contracts Before Basic Essentials

It doesn’t matter who we are or what we earn. The world now requires us to sign up, subscribe, or rent services and products we once simply bought.

These arrangements are backed by contracts that must be paid before any income can be considered disposable.

Only food and basic essentials remain in the realm of pay-as-you-go – and even those are increasingly tied to credit cards, buy-now-pay-later schemes, or payday loans.

Judgement Through Wealth and Appearance

We judge people by their appearance, their property, their clothes, or their transport – signals of “who the world tells us they are.” And when we consider how much future earnings and financial security matter, even ordinary people outside the elites evaluate partners and marriage commitments based on what a potential partner can afford.

The Private Turmoil of Dependence

Few can see just how powerful, overwhelming, and controlling money has become.

Fewer still talk about it comprehensively.

Yet the reality is that what we do, what we have, how we are perceived, and whether we are accepted or rejected all revolves around money.

This leaves us in private turmoil and pain – what some might call or know as hell – because parts of life, or what is respected as life today, are cut off or restricted by money’s role.

The System’s Sick Success

This system is not natural. It has been deliberately created for the benefit of those who already have much more than they will ever need.

Its success lies in convincing the masses that freedom and status are directly proportional to wealth.

Meanwhile, the mechanics of the system ensure that resources flow away from those who have every right to them, leaving them dependent on credit and enslaved by debt.

In return, people have unwittingly surrendered property, ownership, and the peace of mind that comes only from self-sufficiency.

Fear as the Final Driver

Everything in life is driven by money – or more precisely, by the fear of not having it.

Everyone, at every level, makes decisions and behaves according to financial implications.

When people or businesses are pushed into dependence on external finance, even reason itself is abandoned. Questions of viability or self-sufficiency are ignored, as survival becomes the only priority.

When this mindset dominates, it doesn’t matter who someone is or what position they hold. They become vulnerable to the power and control of whoever influences what happens next.

This is the world we live in today. The plans, strategies, and changes overtaking life – many of which defy common sense – have taken hold because someone, somewhere, intended and created it to be this way.

This Is by Design

Where this all becomes difficult to accept is in recognising that nothing about the journey which has brought the world to this point is accidental.

It is by design.

The reason is simple: people who know they are free, cannot be controlled.

Freedom Cannot Be Controlled

If people cannot be controlled, they will not accept, take part in, or contribute to a system that is stripping away everything from them.

Everything that should, and always will, remain naturally theirs.

The Drive to Own and Control

Those who want more – who want to control more, own more, and take everything from everyone else – cannot succeed unless they first control people themselves.

They cannot take everything away unless they make the process appear legitimate.

Control must come first, because without it, the system suffocates and then collapses, under the weight of its own injustice.

Freedom Does Not Look Like This

Because most of us are not physically imprisoned and we face each day with choices that seem to be ours, many believe we are free and living free lives.

However, what we are experiencing – where we are coerced by narratives, advertising, groupthink, the media, and even the “free-minded” influencers we follow online to keep up – is not freedom at all.

Coercion Disguised as Choice

Beyond the natural requirement to meet the basic and essential needs of maintaining human life, anything that influences our behaviour or sets frameworks for “acceptable” choices is not freedom.

It is an infringement upon freedom.

At its most basic level, it is simply doing what we are told.

Money as the Measure of Freedom

Because of the way the money system has been designed, people believe they are free if they have enough money to do what they want or to buy what they think will meet their needs, as the system suggests them to be.

But money has become the value itself – rather than the work, the products, the property, the services, or the people involved.

We now believe we can only have anything, whether it is to meet needs or wants, if we have or can obtain the money to pay for it – and that these things are all the same.

Our freedom is dictated entirely by our relationship with money.

The Illusion of Value

If money were as real as we believe it to be, the value of the money in our pockets or the salary we earn would not reduce without us doing anything that changes anything.

Yet it does.

And the value of our money changes, because money is under someone else’s control.

The game, or rather the whole deck of life, is stacked in someone else’s favour.

The Mathematics of Decline

In the UK, inflation typically reduces the value of the £Pound by 2–3% each year.

This means prices rise, and your money buys less over time.

  • Inflation is measured by the Consumer Price Index (CPI).
  • If inflation is 3%, £100 today will buy only what £97 did a year ago.
  • The effect compounds: after 5 years at 3% inflation, £100 is worth about £85.87 in real terms.
YearReal Value (£100 Start)
0£100.00
1£97.00
2£94.09
3£91.27
4£88.53
5£85.87

To keep up, your income must rise at least as fast as inflation. Otherwise, your purchasing power declines each year. And in truth, when we look more closely at the figures against what it costs to buy the things that we rally need, inflation seems to be putting those prices up a whole lot more.

Running to Stand Still (Revised)

Because inflation in the UK typically reduces the value of the £Pound by at least 2–3% each year, you must increase your income by at least this amount just to maintain your current standard of living.

The effect compounds: after five years at 3% inflation, £100 is worth only about £85.87 in real terms.

This means you are running uphill simply to stay in the same place.

Of course, this is assuming the official rate of inflation is accurate – if the real rate is higher, the decline in purchasing power is even greater.

It Doesn’t Have to Be This Way – The Alternative Is The Basic Living Standard and an economy that puts People First

Because money sits at the heart of everything in life, very few of us can visualise a way of living that works differently. And as we’ve already discussed, you aren’t supposed to – because this is how you come to believe you are free, when in fact you have been enslaved.

Money as the Toolkit of Control

Money, in the way we use it today, is the toolkit of the greatest crime ever inflicted on humanity.

Its genius lies in the way it convinces people to participate in, and even further, the very crime being committed against themselves.

In this system, money is the only god. But it is not benevolent or caring.

It is unjust, unfair, and strikes no balance when it comes to equity, equality, or what is good for mankind.

Two Masters Cannot Be Served

Man cannot have two masters.

For as long as money and the money system remain the only god, people, community, the environment, and basic human values will never be what life is truly about.

The system is designed to keep us dependent, fearful, and compliant. Whilst it slowly takes or destroys everything that is genuinely important and of value to us all.

The Alternative: The Basic Living Standard

There is an alternative. And although it may sound radical to suggest that one rule changes everything, the truth is that a future awaits where real freedom is not only possible for some, but becomes the way of the world for all.

The Basic Living Standard (BLS) is that rule.

It guarantees that everyone’s essential needs – food, shelter, energy, water, clothing, healthcare, and the means to participate in society – are met.

It is not charity, welfare, or a handout. It is a universal right, paired with universal responsibility.

Real Freedom Through Self-Sustainability

By meeting everyone’s basic and essential needs, the BLS creates the foundation for self-sustainability and genuine freedom.

It dismantles the false god of money by ensuring that survival is no longer dependent on debt, wages, or exploitation.

This is the only way to achieve real freedom: freedom to think, freedom to do, freedom to be, and personal sovereignty that gives peace to all.

What Financial Freedom Is and What It Means

The simple difference between the world that is destroying us and the world we need is this principle: We should only take what we need to meet our basic and essential needs, and reject completely the idea that there is anything good in accumulation, control, or influence beyond that.

No person or organisation should have the right hold or control any more than they need for themselves or those they have direct and meaningful responsibility for.

Abundance

Natural abundance is the state of having our basic needs met and knowing they will continue to be met through our contribution and work – without interference or control from others.

Yet what we have come to believe abundance to be is wholly manufactured. It equates to accumulating, owning, and controlling as much as possible, regardless of the cost to others or to the environment.

When we recognise that true abundance is simply safety, security, health, happiness, and the basics that sustain them, we will also understand that these are the real foundations of inner peace. And peace is what abundance is really all about.

The Peace to Relax

Think carefully about how you feel when you no longer have to worry about what you will earn, borrow, or buy; how people will judge your clothes or job title; or anything else that creates fear of loss, anxiety about the future, or depression about what you think you may have already lost.

Yes, life has its own natural anxieties – relationships, health, and personal challenges.

But these are not manufactured to benefit someone else or a system that exploits us in every conceivable way.

When you have natural peace – because you are not in a constant race to keep up (while condemned to fall behind unless you add more than 3% value to your financial ‘worth’ each year) – if you are not already too far behind – you begin to see life through an entirely different lens.

Freedom to Think

When we have the freedom to think, we have the freedom to learn what life is really about.

We can be open to joys and pleasures that appear too simple or meaningless when we are trapped in pursuit of someone else’s agenda.

These joys hold value and meaning that help us grow into the human beings we truly are.

With this level of freedom, we see life’s mechanisms and systems in a healthier way.

Our expectations become simple. We develop patience with others and understand that we are not defined by what we have or earn, but by how we treat and respect others – even when there is no advantage to gain.

Freedom brings the ability to experience natural joy, not happiness sanctioned by someone else’s criteria.

It allows us to make and learn from mistakes, seeing them as value rather than cost – a perspective denied by the money-centric world.

Personal Sovereignty

Freedom on this level opens the door for us to be exactly who we are meant to be.

It facilitates personal sovereignty – the ability to make real, independent, and meaningful choices that affect only us, without fear of consequences from outside of ourselves.

This sovereignty exists beyond the participation and contribution required of us within the community to do our part, ensuring that everyone’s basic and essential needs are met.

It is the balance between individual freedom and collective responsibility, and it is the essence of financial freedom.

The Framework for a People-Centred Life

The Basic Living Standard is the formulaic basis of the life we all need.

It guarantees that everyone has access to everything necessary to meet their basic and essential needs, in return for each person contributing through work and activity to ensure that every necessary process – and yes, every business – is completed so that everyone’s needs are met.

Businesses That Serve Needs, Not Greed

The entire system revolves around this formula.

Businesses and organisations exist only where a basic or essential need must be met.

They never grow beyond the size necessary to serve the community in which they are located and involved.

This ensures that the purpose of business is not accumulation or profit, but service to people and the environment.

Technology as Support, Not Replacement

In this system, people are supported and aided — but not replaced — by technology and AI. The need for human contribution remains central, because participation is not about money or profit. It is about people, community, and the environment around which our lives revolve, and the experiences we share together.

The Same Rules Must Apply to Everyone

For fairness, balance, and justice to exist, the same rules must apply to all.

Part of the human condition is the instinct to survive – an instinct that quickly evolves into selfishness.

It drives us to use any advantage, whether through opportunity or design, to take more, hold more, or obtain power over more than we actually need.

We often justify this behaviour by believing it makes us special compared to others, or by using it to visibly demonstrate superiority.

Survival Instinct vs. Shared Responsibility

Yes, it can be argued that this is how humanity naturally behaves.

But just because it appears to be the default response to fear of lack, it does not mean it is right.

When there is enough of everything for everyone, and when we have the knowledge and understanding to build and manage a world that works for all – as we now have, the pursuit of excess is neither natural nor justified.

The True Depth of the Basic Living Standard

In this sense, the Basic Living Standard is not just a benchmark or guarantee of dignity and financial independence.

It is also a framework that requires everyone and everything to function with its principles in mind.

Every process, system, and mechanism must flow from and to its implementation.

The BLS is not simply about meeting needs – it is about ensuring that the way society operates is aligned with fairness and responsibility.

No Special Rules, No Hierarchies, No Excerptions

There can be no special rules for anyone. No exceptions or hierarchies where some hold more power or influence than others. No materially based differences that allow one person to be perceived as fundamentally different from another.

Only when everyone and everything plays by these basic but essential rules, can the integrity of the system be assured.

Integrity Between Person, Community, and Environment

Ultimately, it is the integrity of the relationship between person, community, and environment that must be protected.

This integrity ensures that fairness is not just an ideal, but a lived reality – one that sustains balance and justice for all.

The Local Economy & Governance System (LEGS)

The Local Economy & Governance System offers the framework and societal structure that enables the Basic Living Standard to function.

It ensures that everyone can thrive and enjoy the freedom to think, to be, and to do – the personal sovereignty that guarantees peace for all.

A Human Economy

LEGS is a human economy.

Everyone who can, works or contributes, and contribution replaces currency as the foundation of exchange.

This means that the value of each person’s effort is measured not in money, but in the way it sustains people, community and the environment.

The End of Inequality

Most of the social issues we experience today are the effects of inequality – wealth inequality, social inequality, and the distortions created by a money-centric system.

In LEGS, these issues disappear. They no longer exist because the system is built on fairness and the natural law of cause and effect: when everyone contributes and takes fairly, everyone’s needs are met.

Businesses That Serve Communities

As described in the Basic Living Standard framework, businesses and organisations exist only to meet essential needs.

They remain the size necessary to serve their communities, never expanding into monopolies or profit-driven empires.

This ensures that resources are not hoarded, and that abundance is measured by access, not accumulation.

Technology as a Partner, Not a Master

Technology and AI support people but do not replace them.

The purpose of contribution is not profit, but participation.

Work is about sustaining life, community, and environment – not about chasing growth or accumulation.

In this way, LEGS ensures that human dignity and responsibility remain at the centre of society.

A System Built for People

The Basic Living Standard cannot work within the collapsing money-centric system that we have today.

It requires a new foundation – and LEGS provides that foundation.

By reorienting governance and economy around people, community, and environment, LEGS makes possible a society where freedom is real, sovereignty is respected, and peace is shared.

Benefits of the Basic Living Standard and LEGS

The benefits of the Basic Living Standard (BLS) and the Local Economy & Governance System (LEGS) are wide-ranging.

They work not only at the individual level, but also across communities and the environment.

Together, they create a framework where fairness, responsibility, and sustainability replace fear, inequality, and exploitation.

Reducing Crime

When everyone’s essential needs are guaranteed, desperation disappears.

Crime rooted in poverty, scarcity, or inequality declines because survival is no longer at stake.

Contentment and Peace of Mind

True abundance is not accumulation, but having enough.

By ensuring that everyone has what they need, BLS and LEGS foster contentment.

People are free to live without constant anxiety about money, status, or survival, creating peace of mind and stability across society.

Removing the Mental Health Crisis

Much of today’s mental health crisis is driven by insecurity, debt, and the relentless pressure to “keep up.”

With BLS, those pressures dissolve. Freedom to think, be, and do allows people to experience natural joy, rather than manufactured happiness tied to wealth or possessions.

Ending the Benefits Problem

The current welfare system is built on dependency and stigma.

BLS replaces this with a universal guarantee: everyone has what they need, and everyone contributes what they can.

This ends the cycle of benefits, bureaucracy, and inequality, creating dignity and independence for all.

Sustainable Living and the End of Overuse

Because businesses under LEGS exist only to meet essential needs, they never grow beyond the size and capacity required by the communities they serve.

This prevents monopolies, overproduction, and exploitation of resources.

Communities consume sustainably, and the environment is protected.

Work and Contribution as Valid Beyond Pay

Contribution replaces currency. Work is valued not by wages, but by its role in sustaining the community.

Whether paid or not, every contribution matters – from caring for others to maintaining essential services.

Valuing Every Kind of Work

In a system where survival is guaranteed, people see the value in every kind of work.

No job is “beneath” anyone, because all jobs contribute to sustaining life.

Happiness in Any Role

People become happy and content to do any kind of job, because work is no longer about survival or status.

It is about contribution, community, and purpose.

Experience as a Shared Tool

Life experience itself becomes valued as a tool for the benefit of all.

Wisdom, skills, and lessons learned are shared within communities, enriching collective wellbeing.

Care Rooted in Community

Care for those who may be too young, too old or unable to contribute for any other reason is carried out by members of the community who are best able, and who still receive what they need to meet their basic and essential needs.

This ensures that care is not commodified or dependent on profit, but is a natural part of community life.

A System That Benefits All

The benefits of BLS and LEGS extend beyond individuals.

They strengthen communities, restore dignity to work, protect the environment, and create peace of mind.

By removing scarcity, inequality, and fear, they build a society where freedom, sovereignty, and justice are not privileges, but universal realities.

Life Beyond Survival

Freedom Creates Time for Life

When freedom and personal sovereignty are real — when the compulsion to “keep up” is gone – something remarkable happens. Time and space open up.

Social activities, sports, and hobbies stop being luxuries or calculated uses of “spare” time that isn’t really spare at all. They become normal parts of everyday life.

The Basic Living Standard and LEGS make this possible by removing the constant pressure of survival and competition.

Instead of chasing money or status, people can invest their energy in pursuits that bring joy, health, and connection.

Communities thrive when individuals have the freedom to play, to create, and to participate in activities that enrich life rather than drain it.

Yet the greatest gift of this freedom is not only the chance to do more, but the chance to be more.

With peace of mind and comfort secured, people gain the space to think differently and expansively about who they are and what their existence really means.

Freed from fear and scarcity, we can explore our true selves, discover new perspectives, and embrace the human experience in full.

Rediscovering Real Relationships

Equally important is the refocusing and repurposing of face-to-face, in-person, real-life relationships.

In the money-centric system, digital interactions and transactional exchanges have all too often replaced genuine human connection. But under the Basic Living Standard, relationships regain their rightful place at the centre of life.

The priceless social skills and social learning that come from real-world interaction equip every person for a happy, healthy life.

They foster empathy, cooperation, and understanding – qualities that cannot be replicated by algorithms or screens.

When survival is guaranteed and competition is replaced by contribution, people are free to build communities rooted in trust and shared experience.

This is not just a benefit of the system; it is its very purpose.

Human beings are not data points or consumers. We are social creatures, and our wellbeing depends on the strength of our relationships.

Conclusion: A Future Built on Real Freedom

The journey through this essay has shown that what we call freedom today is little more than an illusion.

Rules, narratives, and the money system have combined to create a world where survival is dictated by fear, debt, and inequality.

Yet this system is not natural – it is by design, and it benefits only those who already have more than they will ever need.

The Basic Living Standard and the Local Economy & Governance System offer a different path.

Together, they dismantle the false god of money and replace it with a framework built on fairness, contribution, and sustainability.

They guarantee that everyone’s essential needs are met, that businesses serve communities rather than greed, and that technology supports rather than replaces people.

The benefits of this transformation are not limited to crime reduction, mental health, or dignity in work. They reach far wider – across personal wellbeing, community strength, and environmental sustainability.

They reshape how we understand abundance, how we value relationships, and how we live in balance with the world around us.

They restore the integrity of the relationship between person, community, and environment, ensuring that freedom is not just an individual experience but a shared reality.

Beyond these practical gains, BLS and LEGS deliver something even greater – the freedom to live fully.

Time for hobbies, sports, and social activities becomes normal, not a luxury. Real relationships are rediscovered, and the social skills that equip us for happy, healthy lives are restored.

This is not utopia. It is a practical, people‑centred system that aligns with the natural law of cause and effect: when everyone contributes, everyone’s needs are met.

It is a vision of a world where freedom is not defined by money, but by sovereignty; where justice is not a privilege, but a universal reality; and where peace is not manufactured, but lived.

The choice before us is simple. We can continue down the path of fear, inequality, and exploitation and the destruction of humanity that it guarantees. Or we can embrace the Basic Living Standard and LEGS, and build a future where freedom, fairness, and community are the foundations of life.

The Basic Living Standard and LEGS create a human economy, where balance, fairness, and justice underpin life. They place people before money, with priorities fixed upon community and environment. The BLS is the simple benchmark rule — the rule of all rules – upon which all systems of trade and commerce are aligned. By recognising abundance in its natural form, where everyone has enough to meet their needs but not their wants, the dynamics of life are transformed. Every need beyond the tangible can then be met, because peace, freedom, and personal sovereignty flow from financial independence. This is what allows each of us to enjoy and learn from the human experience in full.

Glossary of Key Terms

Basic Living Standard (BLS):
A universal framework that guarantees everyone’s essential needs—such as food, shelter, energy, water, clothing, healthcare, and the means to participate in society—are met. It is not charity or welfare, but a right paired with responsibility.

Local Economy & Governance System (LEGS):
A proposed societal structure that replaces currency with contribution, ensuring that the value of each person’s effort is measured by its impact on people, community, and environment. LEGS supports the BLS and aims to eliminate inequality and exploitation.

Personal Sovereignty:
The ability to make real, independent, and meaningful choices that affect only oneself, without fear of external consequences. It is the balance between individual freedom and collective responsibility.

Contribution Economy:
An economic system where work and participation are valued by their role in sustaining the community, not by monetary reward. Contribution replaces currency as the foundation of exchange.

Universal Rights and Responsibilities:
The principle that everyone has the right to have their basic needs met, and the responsibility to contribute to the wellbeing of the community so that others’ needs are also met.

Abundance (Natural):
A state where basic needs are met and will continue to be met through contribution and work, without interference or control from others. True abundance is defined by safety, security, health, and happiness—not accumulation or control.

Money-Centric System (Moneyocracy):
A societal structure where money is at the heart of every decision, relationship, and opportunity, often leading to inequality, dependence, and loss of freedom.

Groupthink:
The tendency for collective narratives or establishment views to shape and dictate how individuals think and behave, often at the expense of independent thought and personal freedom.

Self-Sustainability:
The ability for individuals and communities to meet their own basic needs without reliance on debt, wages, or exploitation. It is a foundation for genuine freedom.

Universal Guarantee:
A commitment that everyone’s essential needs will be met, removing the stigma and dependency associated with traditional welfare systems.

Further Reading:

To help deepen understanding of the ideas behind the Basic Living Standard (BLS) and the Local Economy & Governance System (LEGS), the following resources are grouped by theme.

This structure will help you explore the foundational critiques, proposed solutions, mindset shifts, economic mechanisms, and personal perspectives that underpin the vision for a fairer, people-centred society.

Each link includes a brief summary to guide your reading.

Understanding the Problem

The Basic Living Standard & LEGS Framework

Mindset and Social Change

Economic Mechanisms and Work

Personal Transformation

BLS Freedoms and Personal Sovereignty PDF_Vers1_15Dec25Download

Minimum Wage, Maximum Exploitation: A Collapsing System Propped Up by Rising Taxes

Introduction

As the cost of living continues to climb across the United Kingdom, many households find themselves struggling to maintain even the most basic standards of financial independence.

With impending tax rises on the horizon, the pressure on those already living near the edge is set to intensify, pushing even greater numbers below the threshold of self-sufficiency.

This is not a temporary crisis, but a symptom of a deeper, systemic failure—a collapsing economic model that now survives only by extracting more from those who can afford it least.

The money-centric economic system that we have – The “Moneyocracy” – perpetuates itself by shifting the burden onto workers and taxpayers, while the promise of prosperity grows ever more distant for the majority.

Against this backdrop, it is essential to confront a fundamental question – one that exposes the uncomfortable realities at the heart of our economy.

A Question:

Do you believe the minimum wage is enough for a full-time worker to live on – and if so, why?

The answer to this question, which varies depending on one’s relationship with the minimum wage, reveals uncomfortable truths about the foundations of our economy and the way work is valued in this country.

What is not surprising is that those who already have financial security often agree in principle that low-paid workers should earn more. Yet when confronted with the implications of paying every worker enough to live independently, many recoil. Why? Because such a change would disrupt their own relationship with the economy.

The Minimum Wage Reality

Let us be clear: the national minimum wage in the UK is not enough for anyone working a full-time 40-hour week to live independently—free from reliance on benefits, charity, or debt.

The widespread acceptance of this wage stems from government and establishment narratives.

What is legally mandated is presented as morally and practically sufficient.

Yet, in truth, the minimum wage is a carefully placed rock covering a pit of myths and lies.

Those who benefit from the system prefer not to lift that rock, because doing so would expose their complicity in maintaining the illusion.

The Employee

A worker earning the minimum wage – currently £12.21 per hour, equating to £488.40 per week or £25,396.80 annually – cannot afford the basic essentials required for independent living.

The gap between what they earn and what they need is effectively the amount by which they are underpaid.

Employers exploit workers by failing to cover the true cost of living.

Regardless of how the deficit is filled—through benefits, charity, or debt—someone else is subsidising both the employee and the employer.

The Employer (Small Business)

Small business owners often insist they pay fairly because they comply with the law. Yet compliance does not equate to fairness.

Paying the legal minimum is not the same as paying enough for employees to live independently.

Common justifications include:

• “They can top up with benefits.”

• “I can’t pay more or I’ll go out of business.”

But these arguments miss the point. The government—and by extension, taxpayers—should not subsidise businesses that cannot afford to pay workers a living wage.

In reality, small businesses are also exploited: they cannot operate independently within the current economic system, because they too are constrained by models that undervalue their work.

The Employer (Big Business)

Large corporations differ because they can afford to pay more.

Supermarkets and other major employers of minimum-wage staff generate enormous profits – even during a cost-of-living crisis, like the one we are experiencing now.

They could easily pay wages that allow workers financial independence, if boards and shareholders accepted smaller returns.

Instead, big businesses exploit both employees and taxpayers. Workers are underpaid, while the government subsidises wages through benefits.

This allows corporations to maximise profits while keeping the mechanics of exploitation hidden from public debate.

The Government

Why does the government subsidise wages so small businesses can survive and big businesses can thrive? Why not simply set a minimum wage that reflects the true cost of living?

The answer is stark: doing so would collapse the system.

The economy functions by undervaluing the majority of jobs deemed “low-skilled” or of “little value.”

If wages reflected reality, the house of cards would fall.

The Taxpayer

The system is a con. The complex machinery of what can be called a Moneyocracy manipulates trust and deference so effectively that taxpayers rarely ask basic questions.

Why, in an economy where corporations make billions annually, must taxpayers top up their employees’ wages through taxes?

Why are we threatened with price hikes whenever government policy shifts, while corporate profits remain largely unscrutinised?

Following the money reveals the truth: wealth is funnelled in one direction, made possible only by exploiting workers, taxpayers, and weak governments.

Corporations profit by underpaying staff, then spin narratives that justify charging consumers more.

Reality Bites

Exploitation of normal people has gone too far. The system enriches the few by exploiting the many – sometimes multiple times over – so profits can grow while wages stagnate or reduce in real terms.

The Moneyocracy survives by perpetuating the myth that it is acceptable for many to grow poorer while a few grow disproportionately rich.

The promise dangled before workers – that if they play the game long enough, they too might “live the dream” – is false.

Humanity is destroying itself chasing a dream that continually recedes, because playing the game requires forgetting our true worth.

The basic equation of the Moneyocracy is simple: for some to be rich, most must be poor.

This is neither humane nor true.

The Alternative

There is another way. A system built on real values – where people, communities, and the environment come first – can replace the current money-centric model.

This alternative requires transparency, local systems, and a commitment to prioritising human worth over profit. Instead of hiding self-interest behind complex structures, society must embrace a model where business and life are conducted openly, sustainably, and with fairness at the core.

The choice is absolute: continue with a Moneyocracy that exploits us all or build a future centred on people.

Path Forward

The Local Economy & Governance System provides the foundational framework for a truly people‑centric future – one where People, Community, and Environment sit at the heart of every decision.

At its core lies a new benchmark: The Basic Living Standard, a guarantee that every individual receives a weekly wage sufficient to cover all essential needs.

This principle of equity and equality is not an optional add‑on, but the priority that guides every part of the system.

By shifting away from exploitation and toward fairness, transparency, and sustainability, this model offers a pathway to rebuild trust and resilience in our economic and social structures.

To explore how this vision can be realised and what it means for the future, please follow these links:

The Local Economy & Governance System | Online Text
The Basic Living Standard Explained
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The Basic Living Standard: Not a Fix for a Collapsing Money-Centric System, but the People-Centric Foundation of a New One

Although initially overlooked after I first introduced it in my book Levelling Level, published on Amazon on 31 March 2022, the Basic Living Standard (BLS) has increasingly attracted interest from readers and visitors to my blog.

However, I have noticed that when people search for BLS using AI, a whole chain of stories and information—often including quotes attributed to me—has emerged, much of which is either out of context or entirely fabricated.

This is concerning, especially when those outside the mainstream are trying to share solutions and perspectives that challenge the compliance and blindness of today’s system.

We must recognise that the so-called AI takeover is being built on delivery levels that, in many cases, are no better than the efforts of a lazy teenager responding to an encouraging parent. And the outright creation of false information and narratives—even regarding work from independent voices—is troubling.

Given that AI now tells those seeking a quick overview that the Basic Living Standard is a way to fix our broken economic system, I feel it is time to clarify: while I believe BLS is a pivotal solution, it cannot and will not work within the current economic paradigm.

The integral priority of BLS is to put people, not money, first.

The Basic Living Standard: Not Intended for the Current Economic System

I have never created or published financial models or projections to ‘cost’ or predict the impact of BLS on the current economy or financial system, because the two are mutually exclusive.

BLS was not designed to be part of, or to work within, the existing paradigm, which makes it impossible to do so.

Decision-makers, legislators, and their influencers will not openly admit that our system is structured against equity and equality.

It is only because the system works progressively against these values that the disproportionate levels of wealth and benefits enjoyed by those in power can exist as they do.

Paying Lip Service to Parity

While the National Minimum Wage should be the benchmark or minimum earnings floor necessary for financial independence, the reality is that no person can be financially independent or live free of benefits, charity, or debt on this wage when working a typical 40-hour full-time week.

The current economic and financial system survives because the National Minimum Wage does not reflect the genuine cost of living for the lowest paid, who must then be subsidised by government benefits, seek help from charities such as food banks, or go into debt to meet the growing cost of living.

The FIAT, Neoliberal, Global-Driven Money System: The Perfect Crime?

A hard truth about our broken and collapsing system is that its design centres on wealth transfer and impoverishment, relying on the ongoing creation and addition of new money to the economy.

Currency debasement devalues the worth and ownership of the masses, while creating additional wealth for the elites and enabling them to secure property, public infrastructure, and ownership of everything devalued by their actions.

System Collapse and the Choice We Must Make

The finite lifetime of what may one day be considered one of the greatest ongoing crimes against humanity is fast approaching its end.

How the masses respond to financial and systemic collapse will dictate whether the Basic Living Standard, or a similar benchmark, forms the basis of a new people-centric economic and governance system.

This new system would put people back at the heart of everything, rather than the money-centric focus we have now.

The current system is collapsing because it is fundamentally corrupt and wrong.

Introducing a system like BLS within the current system—even under the name National Minimum Wage—could not achieve its true purpose, because implementing it honestly would speed up, if not immediately collapse the current money-centric system – and that’s why nobody in power today who benefits from this system will ever agree or willingly help for it to be done.

Embracing the Shift: Making Life About People, Not Money

If we accept and adopt an economy and governance system cantered on People, Community, and Environment, we will naturally move away from financial modelling, projections, profit margins, and all the tools that reinforce money as the only important value in life.

The Basic Living Standard provides a clear focus for the paradigm shift from money-centric beliefs to what everyone needs—not wants—and establishes the basic standard for independent living without dependency.

However, BLS is not a policy that can work in isolation or as an add-on to the current system. It is a fundamental building block of the universal change we must choose and embrace, because we cannot fix what cannot be fixed.

The Basic Living Standard: The Basis of a New Way of Living

By restarting, reestablishing, regenerating, reforming, and replacing our economic and governance systems, the Basic Living Standard becomes the benchmark for guaranteeing that the lowest paid can sustain themselves and be financially independent in return for a standard working week.

It requires all businesses, organisations, and systems within a new framework of economy and governance to realign with ensuring that every person experiences this minimum standard as the foundation of society, business, and culture.

Improving lives today really should be as simple as creating a Minimum Wage and changing everything for those who need help in one day. But changing perceptions is not the same as changing the way everyone thinks.

That is why the introduction of a system that genuinely works for everyone cannot be openly embraced before the pain of collapse and the reality it brings.

Everything we know today exists because of a system built around money as a value set—a flawed belief system we have all been conditioned to accept.

Only when this system fails and excludes people, step by step, do those affected awaken to the reality that something is fundamentally wrong.

Yet those excluded are often viewed by those still inside the system as the ones who are guilty and wrong.

Out of Our Problems, an Opportunity Awaits

The collapse offers a moment when the balance can flip, and those who have been excluded may reach a critical mass that signals to everyone participating in the money game that a better, equitable way exists.

However, ordinary people must see, understand, and accept this en masse.

Whatever happens next will lead to wholesale change—whether we choose it or simply go along with it.

Only by being aware and honest about what we need, rather than what we want, can we take the leap of faith necessary to change everything and contribute to the creation of a new system where people, community, and environment come first.

The Basic Living Standard offers a benchmark for the frameworks and opportunities of a new way of living. Yet, it will remain unknown and inaccessible to those unwilling to step away from the comfort of an unsustainable relationship with the past.

Money, democracy, ownership, business priorities, and practices are just the tip of the iceberg when it comes to the breadth and depth of necessary change.

Everyone must own and be part of the transformation ahead, because the change is about the needs of everyone, not just the wants of a privileged few.

There’s More…

In the coming days, and hopefully as soon as this week, my next book will be published, building on all I have been writing and sharing for over three and a half years.

Evolving directly from Our Local Future, first published in summer 2024, this latest work brings more detail and focus to the mechanics of implementing a new system for economy and governance, while simplifying previous concepts to make them more accessible and relatable.

The Basic Living Standard lies at its heart, and I am confident that we can flip everything to work for People, Community, and Economy, once we see the benefits and share the determination to implement a system and new code for life that truly works with equity and equality for all.

The Basic Living Standard Explained
Our Local Future | FULL TEXT
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Why People Can’t Just “Get a Job”

This morning, Chancellor of the Exchequer Rachel Reeves delivered her pre-budget statement ahead of the Autumn Budget, scheduled for 26th November.

Despite mounting welfare costs, Reeves offered no meaningful solutions — only strong hints that taxes will rise, paired with blame deflected onto everything and everyone except the government itself.

It’s no surprise, then, that Nigel Farage rushed out a bold announcement promising welfare cuts if Reform wins the next general election yesterday, while Tory leader Kemi Badenoch quickly followed Reeves with an online broadcast that, in substance, amounted to much the same.

As the government flounders, it seems poised to announce little of substance of savings on benefits or public services — yet millions already trapped in a financial vice not of their own making will see the cost of living rise again, working harder for ever-diminishing returns.

The Tories — who helped engineer the current crisis over their 14-year tenure up to summer 2024 — and Reform — now visibly undergoing their own establishmentisation makeover — aren’t offering help to people either. They’re offering help to the economy.

And that’s precisely where the problems began for those whose lives revolve around the benefits system today.

There are hard truths here. Truths that many untouched by poverty still find just a little too uncomfortable to believe.

There will always be people who are:

• Out of work for valid reasons

• Unable to work due to illness, disability, or caring responsibilities

But there are also many people who want to work and are able to work — yet still can’t. Why? Because:

• They can’t find jobs that match their experience

• They can’t find roles that fit their qualifications

• They simply don’t “fit” the mould employers are looking for

It’s easy to assume that anyone who wants a job can get one — any job, at any time. And it’s just as easy to judge those who don’t take “any job” as lazy, entitled, or abusing the benefits system.

But those who make these judgments often haven’t experienced what it’s like to be unemployed and dependent on state support.

The Reality of Benefits

Let’s be clear: basic benefits are not enough to live on.

We’re surrounded by comforting myths — stories we rarely question unless we’re forced to confront the truth. One of the most dangerous myths is that the National Minimum Wage is enough to live on independently.

Here’s the reality in November 2025:

• Universal Credit: Between £316.98 and £628.10 per month, depending on your circumstances

• Minimum Wage: £12.21/hour. For a 40-hour week, that’s about £2,116.40/month

• Actual cost of living: To live independently, a single person likely needs £16–£17/hour — around £2,773.33/month

That’s a shortfall of over £600/month, even for someone working full-time on minimum wage.

The Impossible Choice

Now imagine you’re unemployed, with no savings or support, and your only option is to claim £628.10/month. What do you do?

• Take a job that still doesn’t cover your basic needs?

• Or claim every benefit you can, just to survive?

For many, working full-time in a low-paid job — often under poor conditions and public judgment — while still needing benefits just doesn’t make sense.

The Myth of the “Benefits Culture”

The idea that claiming benefits is an easy ride is a myth. Genuine claimants are treated the same as those gaming the system. The rules are rigid, often making it harder — not easier — to find meaningful work.

Pushing people into low-paid jobs that still leave them reliant on benefits, food banks, or debt might reduce one type of welfare cost. But it could as easily increase the others — through the problems that an ill-considered attempt to push everyone into ‘work’ will create, like mental health issues, workplace burnout, and long-term poverty.

The AI Displacement Problem

A growing wave of joblessness is being driven not by lack of talent, but by the unnecessary and unchecked takeover of roles by artificial intelligence.

Skilled, experienced professionals — once vital to their industries — are being sidelined by automation that prioritizes cost-cutting over human value.

As more capable workers are pushed into the job queue, many will find themselves forced to claim benefits, not because they lack ability, but because the system no longer has space for them.

The Bigger Problem

Most people on benefits aren’t lazy — they’re surviving.

When life becomes a daily struggle, the benefits system can feel like the only option.

But simply cutting benefits without creating real alternatives — like jobs that pay enough to live on — risks pushing thousands into homelessness and crisis.

The Psychology of Work and Pay

Most people don’t need prestige — they need security.

If lower-paid or less challenging jobs guaranteed that workers could meet all their financial obligations and live with dignity, many would take them without hesitation.

The problem isn’t the work itself — it’s that the pay doesn’t match the cost of living.

When people know they can cover rent, bills, food, and essentials every month, they’re far more willing to contribute, even in roles that society undervalues.

What Needs to Change

We can’t fix the benefits system without fixing the economic system that creates the need for it.

If we want fewer people on benefits, we must:

• Build an economy where full-time work pays enough to live on — without top-ups

• Stop supporting a system that enriches a few by impoverishing the many.

Until the government legislates for a fairer system — one where the lowest-paid can live independently on a full day’s work — poverty will persist.

That’s where real change begins.

Did you know that Statistical Averages suggest we need to earn about £9.41 an hour net to live. But the real-world figure is probably £14+?
The Basic Living Standard Explained
Our Local Future | FULL TEXT
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The Basic Living Standard Explained

Featured

The Basic Living Standard is a foundational guarantee that ensures every individual earning the lowest legal weekly wage can afford all essential costs of living—without falling into debt, relying on welfare, or turning to charity.

It defines the minimum threshold of financial independence, where core needs—such as food, housing, utilities, healthcare, transport, clothing, communication, and modest social participation—are fully covered by earned income alone. It also includes provision for savings, unexpected costs, and fair contributions to society.

This standard is not aspirational—it is structural. It affirms that full-time work at the lowest wage must equate to full dignity, autonomy, and security.

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No food banks. No emergency loans. No skipped prescriptions or unpaid bills. Just a life that’s livable, sustainable, and free from poverty.

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