In all walks of life there is a gap between what is said and what is understood. But it is in the world of finance that the gap is arguably greatest, and with it the potential dangers. This attitude to finance - that it is necessarily complex and hard to understand - is everywhere and it is corrosive.
It's not very often that I, or in fact anyone gets to say it, but thank goodness for a smidgen of common sense from an MP - namely, deputy Prime Minister, Nick Clegg. His decision to perform a u-turn on the contentious issue of increasing childcare ratios - which would have been to the absolute detriment of children and the profession - comes as a massive sigh of relief.
I'm hurtling towards my 42nd birthday. It's not even around the corner, it's standing right in front of me with a mean look on it's face and it's punching one fist into the palm of it's other hand. It looks like trouble, it looks like it means trouble and for all intents and purposes, it most probably is trouble.
The future is a scary concept. Whether you're a school leaver, the family breadwinner in the prime of your career, or about to enter retirement, it's natural to have concerns about the years to come. Money is the primary area of worry for most people, but there are simple and painless ways to prepare without winning the lottery.
I've nothing against Winston Churchill popping up on our money - it's not actually the first time, having previously appeared on 1965 five-shilling pieces. Although it seems a little rude he's kicking off the only woman, the Queen not withstanding, who currently appears on any British banknote, social reformer Elizabeth Fry. Still, if the public had its way, it could be David Beckham staring back at us as we fork over our fivers, or even Robbie Williams. Those being just two of the more contemporary figures offered up by well-meaning Brits.