04

Press the rewind button and go way back – before Covid, before Brexit – to April 2015, then picture a devastatingly handsome man at home, on the sofa, talking about money with his wife. Well, he has nowt to do with this, but possibly on the telly in the corner, I was on-air at the time urging savers as usual to use their new tax-free cash ISA allowance – because 'money was nicer in an ISA'.

It's hard to believe the Money and Mental Health Policy Institute (MMHPI) charity is now six years old. In that short time, it has established itself as the go-to place for politicians, regulators and firms for help on how to divorce the marriage made in hell that is debt and mental health issues.