What are the most important ways that you would like to see this growing and evolving body of financial wellbeing research influence policy, regulators and lead bodies?
I want policymakers to recognise that tackling poverty and inequality is really vitally important to the wellbeing of the population. And you can't leave it all to education and behaviour change.
Income matters, but actually within that there is so much more we can do to help individuals to make the most of the money they have.
After all, not everybody who loses their job ends up in serious financial difficulty. We understand from this work what it is that makes the difference between keeping your head just above water and going right under.
So we need to move on from the idea that greater knowledge is the most important thing, and we need to learn from the techniques that have long been used in health and public health to bring about behaviour change.
And we've seen that, there are lots of lessons we can learn from the pandemic about how people will change their behaviour.
If you had to ask someone just one question to understand their financial wellbeing, what would you ask them?
Yeah, well actually, I think there are probably two questions. First I would ask them about their ability to pay their bills on time. That's really the sharp end of it all. If you can't pay your bills on time, then you won't have any financial resilience either.
But in terms of what determines your financial wellbeing. I would ask about financial locus of control because it affects so many of the behaviours that affect financial wellbeing.
And in terms of what's determining financial wellbeing, I suppose maybe a third question would be level of income. If you knew those three things you'd know a lot.
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