The Formative Economy

A mortgage doesn't just shape a monthly payment - it shapes how much room people feel they have to act.On this episode of The Formative Economy, Jinesh Vohra, CEO & Founder of Sprive, discusses what long-term debt does to people emotionally, why homeowners need more control after the mortgage is signed, and how better money education could shape decisions far earlier in life.A mortgage can look like a monthly budgeting question on the surface.In practice, it can shape confidence, risk appetite, and how much room people feel they have to act for years - the conversation around it, and its impact, goes beyond rates and repayments.We ask what debt does to behaviour, how much friction people should have to overcome to make progress, and what a more liveable mortgage market could look like.Learn more: https://www.beyondencryption.com/blog/mortgage-freedom-sprive

Financial education often fails before the lesson begins, because too many people decide the subject is dry, distant, or simply not meant for them.On the first episode of our new podcast series, The Formative Economy, Emily Boxall, Cofounder at 2mins (parent company MicroFact), makes the case for a different approach: one that treats financial education as a design challenge as much as a knowledge challenge.Emily’s central argument is that people are far more likely to engage with money when the material feels approachable, relevant, and human. That idea sits behind 2mins, MicroFact’s bite-sized financial education app, but it also points to a broader opportunity for employers, educators, and institutions trying to improve financial confidence in the real world.Learn more on our website: https://www.beyondencryption.com/blog/financial-education-better-stories