Armchair Critic: Why Middle Britain needs advice to go back to basics

The only way to help those on average incomes is for us to stop thinking in terms of financial services and start thinking about broader money issues. That's what Martin Lewis does and the Financial Advice Market Review (FAMR), and anyone else with an interest in these matters needs to do the same. For most people money concerns income, expenditure, borrowing, and savings. The financial services sector and its regulator tend to think only of the last two, yet for most people, income and expenditure are the most important variables. For most, the savings bit is going to be small ...