Getting a college degree is – for many – an aspirational milestone in life that ensures security further down the line. But with finance-induced stress rife and rising tuition fees, more than 40 million Americans had student debt in September 2014. And they’d go to great lengths to get rid of it.

With income inequality on the rise and non-bank lending growing, Americans are struggling to pay off their debts. New research from UBS doesn't paint a pretty picture of the financial future, but is it really too late to turn around the fortunes of the poorest parts of the population?

When the UK voted to leave the EU, Gen Yers were aghast. Social media was awash with ageist comments, adding to the perception that Boomers had apparently ruined everything – the economy, Europe, cohesion, even gardening. But are they really to blame? And how does this blame culture affect them?

Would you rather jet off to the Bahamas next week, or save and go in a years’ time? In an ‘I want it now’ culture, thinking for the future is hard. When two-thirds of boomers retire they won’t have saved enough to maintain their lifestyle. How can brands encourage people to think about tomorrow, today?