Carl Emmerson

Carl Emmerson, Deputy Director of the Institute for Fiscal Studies, and Tom Selby, Director of Public Policy at AJ Bell, delve into the UK’s escalating tax burden, projected to hit 38.2% of GDP. They explore practical strategies for individuals to safeguard their finances from rising taxes, highlighting the merits of ISAs and the value of pension schemes. The duo also addresses the potential risks of over-investing in cash ISAs and offers insights into tax-efficient options like VCTs, ensuring listeners are equipped to navigate the intricacies of personal finance.

Melinda Mills, a prominent demography expert at Oxford, joins Carl Emmerson, a leading authority on UK public finances, to tackle the UK's demographic challenges. They dive into the alarming drop in fertility rates, now at 1.44 births per woman, and discuss its implications for the economy. The pair examines the aging population's strain on public spending, the complexities of immigration, and the rising health issues among working-age individuals. Together, they emphasize the need for comprehensive policy changes to address these pressing issues.

Expert panel discusses UK Budget tax changes, child benefit reforms, new 'UK Isa' proposal, and National Insurance cuts. Analysis on financial impact for different income groups and potential tax policies. Government plans for Nat West share offering and implications for London stock market. Exploration of political strategies, family benefits, and upcoming changes in child benefits.