It's All Relative with Dr Eliza Filby

Birth rates are collapsing. Fertility rates are falling. Populations are ageing. And governments around the world are starting to panic. I sit down with world-leading demographer Dr Paul Morland, author of No One Left, to explore one of the most important and misunderstood issues shaping our future: demographic decline.Together we unpack what falling birth rates really mean for economies, welfare systems, pensions, healthcare, housing, work and the future of generations to come.FOLLOW FOR MOREIf you enjoy conversations about generations, demographics, work, wealth, technology, and social change, follow It's All Relative on Spotify.📩 SUBSCRIBE TO MY SUBSTACKWeekly essays and analysis on generational change, work, wealth and society📚 BUY MY BOOK: INHERITOCRACYInheritocracy: It's Time to Talk About the Bank of Mum and Dad🌍 FIND ME ONLINEWebsiteLinkedInInstagram

I'm joined by youth culture expert and researcher Konrad Collao to unpack one of the most analysed, stereotyped, and misunderstood generations on the planet: Gen Z.Everyone seems to have an opinion about Gen Z.They're either saving the world or destroying it.They're activists or apathetic.Entrepreneurs or work-shy.Progressive heroes or victims of the manosphere.But what if most of what we think we know about Gen Z is wrong?Drawing on three years of research, thousands of interviews and one of the most comprehensive studies of young people in Britain, we explore what it's actually like to be Gen Z today.🔔 Follow on SpotifyA weekly show exploring generational change, work, technology, culture, and the forces shaping modern life.📩 Subscribe to My SubstackGet my weekly essays on generations, work, wealth and social change:📚 Buy InheritocracyMy book on inheritance, family wealth and the Bank of Mum and Dad:🌍 Find Me HereWebsiteInstagramLinkedIn

Multiple income streams, side hustles, moonlighting, portfolio careers, AI disruption, and remote work. Why are more professionals working two jobs, building side businesses and preparing for an increasingly uncertain economy?This week on It's All Relative, I explore the end of the one-salary life and the rise of the moonlighting middle-class professional.For years, we've associated multiple jobs with financial hardship. But something has changed.Increasingly, it's not just gig workers or low-income households juggling multiple sources of income. It's lawyers, teachers, doctors, consultants, creatives, and knowledge workers. It's the professional middle class.And that tells us something important.In this episode, I unpack why more people are hedging their bets, diversifying their income and questioning whether a single employer can still provide the security it once did.00:00 Intro01:53 Middle class moonlighting03:48 Multi income data surge05:04 AI enables overemployment05:53 Portfolio career benefits08:32 Employers and distrust11:11 Side hustle openness14:48 Public sector moonlighting17:05 Platform capitalism risks20:57 Community questionsFollow this ChannelA weekly show exploring generational change, work, wealth, technology, and the forces shaping modern life.Subscribe to my SubstackBuy InheritocracyMy book on inheritance, family wealth and the Bank of Mum and DadFind Me HereWebsite | Instagram | LinkedIn

This week on It’s All Relative, I sit down with Financial Times columnist Clare Barrett to unpack one of the defining generational questions of our time:What happens when an entire generation grows up expecting economic instability?Unlike millennials, who came of age during a consumer boom, Gen Z were shaped by the aftermath of the 2008 financial crisis, stagnant wages, unaffordable housing, and the collapse of the old promise that hard work guarantees security.And it’s changed how they think about money completely.In this episode, we explore:00:00 Intro02:34 Meet Clare Barrett03:40 Student Debt Reality Check05:15 Savvy Workplace Power06:19 Side Hustles New Normal08:44 Tuition Fees And Career ROI10:27 Deposit Versus Debt13:19 Happiness Curve Flattening14:20 Is University Still Worth It16:43 Gen Z Investing Boom22:15 Trading Apps And FinTok Risks23:44 Finance Influencers Rules24:21 Brands Chase Gen Z25:32 How Gen Z Learns Investing26:29 Frictionless Spending Debt28:07 Buy Now Pay Later Reality30:04 Housing Dream Slips Away31:11 Renting Landlord Ethics31:54 Help To Rent Debate33:49 Shared Ownership Pitfalls36:45 Money Talks Relationships38:10 Protect Yourself Legally40:59 Gen Z Money Openness43:50 Savvy Or Screwed Finale44:29 Episode Wrap And Outro🔔 Follow this ChannelA weekly show unpacking generational change, money, work, technology, and modern life.Follow so you don’t miss the next episode.🌍 Find Claer Barrett hereWebsiteFinancial Times ColumnInstagramLinkedIn📚 Buy InheritocracyMy book on inheritance, wealth and the Bank of Mum and Dad🌍 Find Me HereWebsiteInstagramLinkedIn

This week on It’s All Relative, I explore one of the defining cultural questions of the 2020s: Who gets to be creative anymore?Because increasingly, traditional creative careers are becoming the preserve of the financially secure.The children of affluent families. The beneficiaries of the Bank of Mum and Dad. Those who can afford unpaid internships, unstable income and years of uncertainty. And that raises a bigger question:What has happened to working class creativity?In this episode, I explore:00:00 Intro00:53 Premise Explained02:05 Romanticising Struggling Artist03:52 Postwar Meritocracy in the Arts05:46 Access to Arts Closing07:57 Creative Industry Cuts And Class Data08:53 Creator Economy Shift12:34 Monetising Is A Slog14:12 Keep Creativity Private16:46 Arts Culture Beyond The West22:05 Community Questions🔔 Follow on SpotifyA weekly show exploring generational change, work, culture and the forces shaping modern life.Follow so you don’t miss the next episode.📩 Subscribe to My Substack📚 Buy InheritocracyMy book on inheritance, class and the Bank of Mum and Dad🌍 Find Me HereWebsiteInstagramLinkedIn