This is a story about living an easy life...

Our behaviour is shaped by circumstances far more than free will and conscious decisions. I suddenly stopped using my smartphone, looking at Facebook and writing. Did I decide to stop wasting time, pointlessly reliving old memories and making myself look like a fool on social media? No. I broke my wrist.

My generation, and a few generations before me, found ourselves in the right place at the right time. No skill, hard work, good judgement or other factors are attributable to us other than being born in a rich country during a period of peace.

The Americans wasted a lot of time and talent on the Vietnam War, which allowed Britain to become a world leader in banking software and the global financial markets. Silicon Valley is on the opposite coast of the USA from Wall Street. London has everything you need all in one place.

British men have sheds, in which they tinker and invent things. There's a proud tradition of geekery in Britain, which includes trainspotting, stamp collecting and pipe smoking. I'm a member of the last generation who were able to turn their geeky hobby and wasted youth into cold hard cash.

Most parents have dismally similar plans for their offspring: to pressure them as much as possible to try hard at school, in the hope that they'll survive the onslaught and be able to go on to university and become an accountant or a dentist or something... take up a profession. Medicine, law, architecture, surveying.... basically anything with a Royal Institute. Something to give you letters after your name. Something respectable.

Barrowboys from Essex and the East End made a killing as stock market traders, because they already had an eye for a good deal and a head for numbers. Later, software became something that anybody could stumble into, if they had the aptitude.

All those years at school and college proved a waste of time, when the fast-paced world of technology demanded magicians, wizards, sorcerers: anybody who could conjure up working computer software, no matter what their academic credentials looked like. The curriculum vitae was overlooked in favour of technical tests and whether a candidate knew the latest jargon.

Briefly, the snobbery over Oxbridge graduates and the class of degree that one had attained, was overturned and the prized star employees in the multitude of software houses and consultancies that sprung up, were often self-taught and not considered academically gifted, in the traditional sense.

Filial obedience proved disastrous, when many parent-pleasing academic high-achievers entered corporate law firms, only to find that the remuneration in no way compensated them for the hours that they worked and the pressure they were under. The story was the same everywhere you looked: hard work didn't pay.

Private school fees, university tuition fees and loans for maintenance, would all be far better off simply invested in property. Buy your kid a house and let them sub-let rooms out. They'll be richer and happier in the long-run. House prices are an asset bubble that just refuses to burst: we all need somewhere to live.

Now I find myself in the position where I haven't been dismissed in disrepute from the professional body, to which I belong. I haven't been struck off the GMC's register, or expelled from the Law Society. I can still practice software and nobody gives a fuck, so long as I can make the magic happen.

When it comes to imposter syndrome, and the sense that you can't possibly be worth the money that the market is prepared to pay for your skills, there could be nothing worse than knowing that you took up your particular career, because it was a gift that was handed to you, requiring no effort: you just happened to have an aptitude and be in the right place at the right time. I can't point to a fancy diploma that took me many years to obtain. I can't rely on my membership of an exclusive professional body, to give me a sense that I'm somehow deserving of a certain salary or consultancy day rate.

Following the path of least resistance has allowed me to find my place: where I'm most qualified to work and the market pays the most for my skills. However, I'm full of self-doubt. Am I too old for this game? Have my skills gotten rusty? Have I missed the boat on a new development, and taken myself up a technology cul-de-sac?

I can point to exceptional things I've done as evidence that I'm no slouch, but it's often hard for a salaryman to understand just how hard it is to run your own business, for example. In fact, having run your own business is something that is often held against you.

I find myself somewhat trapped. Nobody will hire me as a permanent member of staff because I've been contract for so long. I can't use my highest achievements to their fullest advantage, because they're things that your 9 to 5 regular guy just won't wrap their head around. I can't even consider escaping and living a simple minimalist life, until I deleverage: I'm financially trapped.

It's strange that the path of least resistance would lead here, with me somewhat able to sit by the riverside, writing, but paying an extremely high price for the privilege.

It's almost the final straw, to break my wrist and be unable to even write.

Tags: #career #banking #london #writing

This is a story about treating every day like it's your last...

My life plan was a fairly simple one: earn loads of money working in IT, marry an attractive & intelligent girl who was into outdoorsy stuff and live happily ever after. I lived by the seaside. I owned my own home. I had masses of savings. I owned everything outright: my car, my boat, the furniture... I paid cash for everything.

When it turned out that the girl I picked was, errr, 'incompatible' with living happily ever after - to phrase it delicately - I didn't really have a plan B.

To be honest, after my marriage went to shit, I hadn't really planned on living very long. I'm really rather surprised to find myself alive and in reasonable health today. I was warned that my new plan - to take copious amounts of drugs and die in a hedonistic blaze of glory - would drive me insane and I'd find myself permanently brain damaged and dying slowly and painfully as my organs shut down one by one, or perhaps I would just suddenly and unexpectedly drop dead.

"Suddenly and unexpectedly drop dead."

Isn't that a risk that we face every single day anyway? There's a certain chance that your heart is just going to stop pumping and go into cardiac arrest at any moment. If you have a cardiac arrest outside a hospital, you're 80% likely to die.

The biggest threat to my life at the moment, statistically - and this goes for any 37 year old man, not just the ones with bipolar disorder and substance abuse issues - is suicide. Suicide is the biggest killer of men under the age of 50.

If I made smart lifestyle choices like not taking copious amounts of dangerous drugs, riding my bike through central London in rush hour traffic with no helmet on, stopping eating and drinking to the point where my organs fail and I piss blood, you'd have thought that I'd be doing a pretty good job of minimising my risk of premature death. NOPE!

What about all those extreme hobbies of mine? Off-piste snowboarding, skydiving, mountain biking, kitesurfing, rock climbing and mountaineering. You'd have thought that it'd be a good idea to give up those dangerous sports, if I wanted to minimise my risk of premature death. NOPE!

I was trying to have this argument with the Royal London Hospital consultant in the Renal High-Dependency Unit, where I was being kept alive by dialysis. I basically said, look, you're going to have to discharge me and let me go and start my new job and I'll just have to take the risk that my kidneys get worse and I drop dead. "You're playing Russian Roulette with your life" she said. Not really. The biggest threat to my life is suicide, and it was inevitable that losing my job would leave me in a psychologically critical condition.

One thing I quite often hear is criticism of risk takers. "How can you climb that mountain and risk your life, when there are people who are terminally ill, who would give anything for just one more day alive?"

"Treat every day as if it's your last."

That fairly innocent sounding platitude actually backfires, when you realise that it's an incitement to maximise your risk in pursuit of hedonistic pleasures and thrillseeking.

Knowing that suicide is the biggest killer of men under 50 is just a meaningless statistic, until you lose a friend or a relative to suicide, or you become suicidal yourself.

That's me in the picture above. I'm stood on a pinnacle of rock that's nearly 3,000 metres above sea level. If I fell - and I'm not tied onto anything - then it would a very long freefall before I went splat into the ground. Why am I not tied on? Why haven't I taken the precaution of attaching myself to a rope? Is it because I was suicidal?

The more you climb; the higher you climb; the more steep and perilous things that you climb, you start to become used to the exposure. The constant threat of falling to your death is something that you just get used to. One slip and it's curtains... but you're not afraid anymore.

I've got rather a toxic mix of psychology. I've got the ability to manage my own fear, stress and adrenalin, so that I can throw myself out of planes or climb frozen waterfalls, but when I become suicidal, I'm acutely aware that I could act on a suicidal impulse very calmly and methodically.

What is this silly little dance we call life anyway? Is it about procreation? Is it about making money? Is it about looking after your grandparents and parents as they get old and die?

Do I 'owe' anybody anything? Do I 'owe' it to my parents to treat the fact I'm alive with respect because they 'gifted' me a life that I didn't ask for? Do I 'owe' it to terminally ill people, to treat my life with respect, because I'm lucky and they're not? Do I 'owe' it to my friends to struggle on through the misery, because they'd be a bit sad if I committed suicide?

There are a couple of families - one in Ireland and one in Bletchley/Suffolk - who have been there for me during my darkest moments. There's a friend who I would've seen over the Christmas break, except for an unfortunate bout of illness laying him low. There are a handful of people in the world who've seen what my friend Laurence calls 'The Horrors' and they've protected me; stuck by me; defended me and been loyal friends. There have been people who've appeared unexpectedly - most welcome - back in my life. I'm not the most predictable of people, having decided to visit an old school friend in San Francisco, booked a flight and boarded it, within the space of just a few hours.

That's how it goes. Here today; gone tomorrow.

The speed with which my kidneys failed was shocking, even for me. The fact I needed dialysis was shocking, even for me. The length of time it took my kidneys to start working efficiently again was shocking, even for me.

Does that sort of stuff make me think "oh wow! that was close!" and "I better be careful and treat my life with respect"? You're asking the wrong question. My suicidal thoughts drive my reckless risk taking behaviour. Suicide was, and still remains, the biggest threat to my life. The shitty stuff that happened was all a consequence of my flirtation with death. I don't quite have the nerve to take the active steps to 'pull the trigger' as it were, because I know that I'm psychologically strong enough to just do it, without hesitation.

My trip to the Golden Gate Bridge was a metaphor for just how quickly, impulsively and with single-minded determination I can reach the point of no return.

My friends who hosted me in San Francisco read some of my recent blogs and asked if there was anything they could do to help. These are some of the people I admire and respect most in the world. They have super busy stressful lives raising little kids on the other side of the Atlantic, on the West coast of America.

What can anybody do? Everybody's got their own problems. Everybody's got their own money worries. Everybody's got a lot of shit on their plate. We've built a society where we are isolated, alone, overstretched by ordinary life to the point where we're just about managing. Who can afford to shoulder part of the burden for somebody who's struggling? Who can afford the time? Where are you going to find the energy when life is already so exhausting? Who has the financial means to help every fuckup with their begging bowl held out?

More fundamentally, under what kind of terms am I prepared to help myself? Arguably, I've thrown away 3 very well paid IT contracts for 3 massive banks, doing work that I can do with my eyes closed. Why the fuck would I do that?

I'm a complex beast. I feel guilty about my role in building systems that were pivotal in the financial crisis of 2007/8. I hired a development team in Mumbai, India, and I led that team to create a trade confirmation system for derivatives that handled over a quadrillion dollars in volume, in its first year. That's immoral. I knew what I was doing. I was busily fixing my own mortgage rate, knowing that there was a credit crunch coming. I invested my money in physical gold, because I had so little faith in the banking systems that I helped build.

I also had a taste of what it's like to own and run my own company. I outsourced. I ran software projects. The only difference was that it was my money and nobody could tell me "no". I could do whatever I wanted, and the ego rub from holding the job title "CEO" is a hard place to come back from. I now wander from company to company, pointing out the things that are on fire, fixing them if they let me or otherwise getting into conflict or suffering incredible boredom and frustration as I try to keep my mouth shut about the impending disasters I can see unfolding. Sure, I get paid a buttload, but it upsets me. I still spend money like it's my own.

That last project I was working on had an annual budget of about £25 million and was handling 30 customers a day. Basically, the cost of customer acquisition was over £2,000. These were not high-net worth individuals. They were simply ordinary banking customers. The project was not very complicated, but the waste was incredible.

What the hell is wrong with me? Am I a prima donna? Am I Goldilocks? Everything's got to be 'just right' for me? Do I consider the kind of work that's available to me to be 'beneath' me?

Certainly, I struggle with the prospect of having to do the kind of job that I mastered 10 or 15 years ago. I sometimes laugh out loud in interviews when somebody asks a question that's the equivalent of asking a master builder if they know what a brick is. Is it arrogant? I don't give a fuck... it psychologically destroys me, running projects for dinosaurs who pay top dollar for the best consultants and then don't listen to them.

I remember quite distinctly in 2001, I was deciding whether to learn a new(ish) computer programming language. I read a book about it. I was already learning another programming language at the time. Then it hit me: I had become a polyglot, somewhat by accident. I was able to read any code and understand its function - its intent - no matter what the actual specific implementation technology was. I knew that me and software had reached the end of the road. I asked my boss for a sabbatical while I considered what I wanted to do with the rest of my life.

It's kinda hard to change career direction and it gets harder with age. You not only have to bankroll yourself through training and getting started in whatever new thing it is that you're doing, but if you're turning your back on one of the most lucrative careers there is, you'd better be pretty damn certain that you picked the right alternative.

I bump along the bottom, being dragged back into god-awful, boring, unambitious, ill-fated and badly run IT projects, whenever my bank balance reaches danger point. But the hardest thing is the dread: the dread about selling my soul; the dread about having to keep a straight face when people are panicking and running around like they've never seen some mundane issue before.

I can't escape. I'm in a deep hole. The hole isn't deep at all for an IT consultant, but for almost any other job, it's an inescapable pit of doom. The reason why I got in such deep shit is divorce, mental illness, and being smeared all over the streets of London, in and out of hospital. Like I said earlier, it's a miracle that I'm still alive.

I hadn't really planned on living this long and that's a bit of a problem. Because I'm so suicidal and trapped, I guess there's an easy decision to be made. I know that I have absolutely no problem following through and overcoming any psychological hurdle that might stop most ordinary people from killing themselves.

I wrote this, while I was working my last IT contract:

Once he had started, he knew there would be no stopping until it was done.

That's why it had taken him so long before he started his final journey; because he could picture every single step of it. He knew that he would just methodically follow the steps, and then it would be over. He could be cold and clinical when required; rational and calculated; measured in his approach. There would be no panic, no rise in pulse, no hyperventilation. To all outward appearances, there would be nothing that would cause alarm or alert suspicions in anybody, until he was at the very brink; in the final moments.

The imagery of the bridge was so ingrained in everybody's mind, because it was such a major landmark. The bridge had featured in so many films. The bridge had been photographed so many times. The bridge was a prominent part of company logos and corporate branding. The bridge was something you could close your eyes, and picture it in exquisite detail. If you were asked to draw the bridge from memory, you'd be able to make a passable sketch of it. Even if you'd never been to the bridge before, it felt like you had been there.

That's why he had never been to the bridge. He could never be sure if he was there just in his imagination - where there were no irreversible consequences - or if he was there in real life. It would be so easy to follow through with his day dream - his fantasy - in real life. He'd played it all through in his head so many times.

Staring up at the spot on the centre of the bridge, where it was highest above the river below, he could imagine himself walking up to that spot, knowing that when he reached that point, only the chest-high barrier would separate him from the edge. He knew that the hardest part would be the bold step of climbing over the barrier. It would be so easy to peer over the edge, while safely protected by the barrier, and then chicken out. That's why mental preparation was important. That's why visualising the whole thing in advance was important.

He wasn't unfamiliar with the psychological battle of overcoming your fears and hurling yourself over a mental obstacle. Stepping off an edge was something you did every time you stepped off the kerb and into traffic. Vaulting a barrier was something you did when you climbed over fences as a kid, playing with your friends. He had done bungee jumps, where it was up to you - free will - to actually jump. He had done skydives and parachute jumps, where it was up to you, whether or not you hurled yourself out of a perfectly good aircraft. He knew he could overcome the psychological challenge of cutting loose and falling. Falling, not attached to anything, tumbling free in space. Nothing to grab onto. No second chances. No way to change your mind once you throw yourself out into empty space.

People talked about cowardice, selfishness, but they missed the point. People didn't understand that have to be brave to choose to put your life in danger, especially when falling to your death is one of the obvious risks. You also have to be brave to choose death. Who knows what happens when you die? Fear of the unknown is why people cling to life: self-preservation instincts.

He'd been a leader in the mountains and on rock faces. The leader always took the biggest risk of falling. At some point, falling became inevitable. If you roll the dice enough times, your number is going to come up eventually. If you take risks, you have to accept the increased chance of injury and even death. He'd had friends who had been killed or permanently disabled. A certain amount of "it could never happen to me" bravado and gallows humour stopped people from losing their nerve. At funerals, people would say that "he/she died doing what they loved" which was true, but this was mainly to distract from the reminder of our mortality, while doing the things that we - the living - love.

Those psychological skills, as a rock climber, mountaineer, bungee jumper, skydiver... they all now worked against him. He knew what it felt like, to be on the edge of a perilous drop, with nothing holding him safe except his own grip, and his own sanity: to not hurl himself over the edge.
At the top of tall buildings, on a mountain, or at a cliff-top, it troubled him how easily he could just jump off. He had to stay away from the edge; not because he wanted to keep himself safe, but because he didn't know if he could trust himself to not just jump. It would be so easy. It was the ease of it that troubled him. The proximity to a fall that would deliver a swift death called to him like a siren. Instead of being appalled by the fear of death, there was an allure.

When learning to climb, people clung to the rocks with white knuckles. They kept their bodies pressed as close to the cliff face as they could, as if being flat against the surface would mean that they were somehow safer from the pull of gravity. Most people were not psychologically prepared to be climbers or mountaineers. People on mountains collapsed on the flat ground, when sheer drops to either side of them overwhelmed them. Our instincts tell us to lower our centre of gravity, but when you are up high, gravity can only pull you down. It doesn't work, putting yourself closer to the cliff or the ground. You will still fall to your death.

There was something different about him. Sure, he wasn't the only one with the strange mutation of the mind, that allowed him to overcome the self-preservation instincts, but it was rare. Most people dislike heights. Most people are scared of falling. Had he always had this ability to put himself in a position of peril, and to overcome the instinct to simply freeze, to overcome the instinct to not jump out of the aeroplane, or climb up high where you could fall.

Possibly through repeated exposure to perilous situations, he had become immune to the threat of death. He had become comfortable, being in situations that put your own mortality as the immediate and most pressing concern. Sure, you could die crossing the road, but most people aren't thinking about that. Those first few times that you jump out of a plane, you most certainly are thinking "what if my parachute doesn't open?".

But the what ifs can be set to one side. What if I end up in Hell? What if I change my mind, in the split second before I die, when I'm past the point of no return?

Death is the great unknown, and we intrinsically fear the unknown. He had become well practiced at entering the unknown, in mortal peril. Who knows how you're going to feel, plummeting towards the ground at terminal velocity? He knew.

In a way, he had answered too many questions that previously had comforting answers dreamt up by priests, shamen and witchdoctors. The answers of the unknown, and of the intrinsic fear of death that dwells within all mortal creatures, for the purpose of self preservation instinct, had been given by those who sought to profit from believable fairy-tales for simple minded idiots. His rejection of organised religion gave him little comfort, in an uncaring universe.

Science tried to give answers, but it could offer no meaning. Why was anything the way it was? It just was. Even science broke down at some point, demanding that those who studied it just accepted the cold hard equations that revealed themselves in the mathematical patterns that were observed in reality. However, science had nothing to say about how to adjust to the incomprehensible vastness of the universe, the insignificance of existence and the seeming finality of death.

Science demonstrably showed that there was nothing after death. After the neurons of your brain ceased in their electrical dance, you were gone. There is no soul. A person is nothing more than the quantum potential, held in a brain. Consciousness is nothing more than an illusion, an unintended consequence of the vast complexity of an organ belonging to an organism that was only intended to allow genes to replicate.

What had he done, opening Pandora's Box by studying theoretical physics, and all the applied sciences that were derived from the fundamental rules that governed the universe? It was if by pulling back the curtain, and shattering the illusion of the theatre that played out in front of his eyes, he had of course ruined the enjoyment of life.

The willing suspension of disbelief was necessary to get any enjoyment out of any theatrical presentation. For sure, the sets were made of wood, and the birds were painted onto the background and never flapped their wings. For sure, it wasn't really snowing when a stage-hand in the rafters tipped a bucket of white polystyrene balls from above, but the illusion was passable if you didn't pick it to pieces.

He had picked everything to pieces. By relentlessly asking "but why" until the question made no sense anymore, nothing made any sense anymore. When he had reached the realisation that he was nothing more than an insignificant speck in a universe that was as good as infinitely huge, and incalculably complex, it was hard to return to a simpler, happier time, when there was some mystery and joy in things. When you can reason everything from basic principles, there is no more magic in the world. When the magician's trick can be picked apart by logic and reason, he turns from an entertainer bringing joy and delight to his audience, to a con-man.

Everything had turned to shit for him. With a Midas touch, he now applied sharp reason and logic to everything he saw, and the curtain was permanently pulled back. He saw humanity's ugliness. He saw people fighting and fucking each other over, and just vast numbers of total idiots, everywhere he turned. His heart was broken. Where had the beauty and mystery all gone? What questions were there really left to ask, when it seemed like all could be answered on his own, using base principles.
Through extrapolation, he saw no more point in continuing his life, than a scientist would in repeating an experiment that has been proven beyond all reasonable doubt to yield the same results time and time again. Only a fool does the same things expecting different results, he was often fond of saying. If you keep putting garbage in, you'll keep getting garbage out.

The world had exhausted him. In love with ideas of building a utopia as a child and young man, he now accepted that there was no shortage of good ideas, but there was also no shortage of people who didn't want to see them implemented. There were too many vested interests. People had too much to lose. He couldn't fight the world anymore, with reason and logic, and arguments about the greater good. Nobody wanted the greater good. Most people just wanted to be at the top of the pyramid, king of the hill.

Perhaps that's why men climbed mountains, because for a brief moment when you stood on the summit, you could count yourself amongst just a handful of people who had faced great adversity to be higher than almost everybody else on the planet at that moment. Standing alone on the top of Mount Everest, anybody else you could see, with solid ground under their feet, would be literally beneath you. The air passengers and astronauts in the International Space Station don't count: they didn't walk there, on their own legs, and they're not standing on Earth.

That was a brave thing, to get into an aeroplane or a rocket. We have become desensitised to it, now that jet travel is commonplace, but imagine those first adventurers in space flight and aeronautics. Imagine again, how mad it is to put yourself in a position where you could fall to Earth.
So, he supposed it was apt, that he should end his life in this way: falling.

He walked up the steps, to where the bridge departed from the land, crossing the chasm below, held in space by the tensioned steel structure that towered above. He started to cross the bridge to the opposite side, that he had no intention of reaching.

In a dreamlike state now, his vision narrowed. His hearing was dulled. The fine detail of the universe around him seemed to fall away. He no longer noticed the cars driving across the bridge: their engine noise, and the rush of air as they went past. He no longer noticed the people, who were photographing themselves, talking to each other and headed to their own unknown destinations. He no longer noticed the rumble of a jet passing ahead, or the blast of a horn on a giant ship, that passed under the bridge, on the river below. He was now living his daydream, with everything playing out exactly has he had pictured it so many times before.

Reaching the centre of the bridge, he turned to the barrier. He couldn't hesitate for a single moment. If he hesitated, then doubt would enter his mind, and he would start to have thoughts: rational thoughts. He would start to re-analyse things. He would start to talk himself out of what he was going to do next. He would start to think about the "what if?"s He would start to enter some unknown situation, out of control from the destiny he had chosen. Things could easily get out of his hands. Some kindly good Samaritan could step in. The police could become involved. Psychiatrists. People to save him from himself.

He threw his leg over the barrier, and lowered his foot to the little ledge the other side without a pause. He then brought his other foot to meet the other on the ledge. He was now stood with his back to the river, facing onto the bridge, but on the outside of the barrier. He stared dead ahead for just a second, steeling himself to make the final moves.

He twisted his body 90 degrees, and swung his left foot out into space. Now, he swivelled on his other foot on the little ledge, and reached behind himself, grabbing the handrail of the barrier, with the bridge now at his back. He returned his left foot to the little ledge, with his feet now pointing outwards.

Pausing to look down, he didn't really see anything. His vision had glazed over. He knew that to focus on what was below him, and to consider the height that he was at, would be to invite a sense of peril into his mind. He had put himself into a trance-like state. All of the mental rehearsals beforehand had prepared him for this. All of the times he had pre-visualised these steps, meant that he was now following a dance routine, and his mind was quiet and calm. All he had to do was exhale, and make his final move.

His stomach rose in his chest, constricting in his neck, before he even released his grip. His body anticipated the weightlessness, before he had even stepped off the ledge. He knew he was going to jump, before he had even done it. He knew he had passed the point of no return - psychologically - before he had even physically started the process. The decision had been made in his brain, and the signals were being sent to his muscles, but he was already conscious that he had done it. He had jumped, even though his hand still gripped the barrier and his feet were still on the ledge.

Now, he was just a passenger. He felt himself let go of the handrail, and let his arms drop to his side. He felt himself squat slightly so that he could launch himself off the ledge. He felt himself straighten up, springing forward and away from the bridge. He brought his arms up, above him and pushed out his chest, forming a 'Y' shape with his body, as he cut through the air.
He didn't tumble. He fell fairly flat, with a slight incline towards the ground, as he gently rotated towards a head-first plummet to Earth.

He felt the air briefly rushing past his face, and heard the noise of wind get increasingly loud. He didn't see the ground coming towards him. It was all too quick, in the end.

Then, blackness and silence.

Stick that in your pipe and smoke it.

Tags: #suicide

This is a story about comfort zones...

Relax and put your feet up, I'm about to tell you the tale of two sedentary situations.

I'm institutionalised. Put me inside a hospital or a head office, and I'll feel right at home.

Most people don't like hospitals: they associate them with pain, death and stress. Most people don't find hospital relaxing; quite the opposite in fact. Hospitals are places of mysterious rhythms and routines that seem chaotic to most people. There are different sounds that all the machines make when they're working, and when they're making noises that indicate that something is going wrong. There are different NHS staff, in different roles, in different clothes, who appear at different times.

My week in hospital that I'm going to tell you about - although I spent the best part of two weeks in hospital  - sounds kinda nice, because I was never really afraid or outside my comfort zone. I find the functioning of complex organisations to be fascinating. I love observing the systems and the people, trying to second-guess what's going to happen next, and what's going on behind the scenes. I like asking loads of questions and adding whatever I can learn to my growing body of knowledge that allows me to feel more in control of my destiny and more able to know what to expect next, than the tense, anxious and extremely tedious waiting game that most patients face on the National Health Service.

Once one has resigned oneself to the maximum speed that a massive organisation can function at, the whole hospital experience becomes quite meditative. Sitting in Accident & Emergency, you can fill your time sneakily looking at the other patients in the waiting room, and trying to guess what symptoms they reported to the reception staff when they arrived. Shortness of breath, chest pains, numbness in one side, drooped face, earlier seizures, unconscious or otherwise delirious patients will normally arrive by ambulance, but any walk-in presentations will obviously jump to the front of the queue. Then, there are the people with minor injuries who have put up with their trivial ailments for days or even weeks. The reception staff aren't allowed to tell them to fuck off, so these idiots must sit for hours on end, only to be told off for wasting valuable NHS resources, quite rightly. In the middle, there are nasty workplace injuries, DIY accidents and total wildcards. You usually get seen by a triage nurse within an hour.

Having been admitted into Accident and Emergency, there is a brief flurry of activity while routine blood samples are taken, and perhaps you're hooked up to a drip. A barrage of questions is fired at you. Examinations seem to be probing and thorough. Surely these professionals are going to have this problem fixed in no time?

It's always a mistake to believe that important things are happening and it won't be long before the right diagnosis is reached and the right treatment is administered. One should be aware that the function of A&E is to rapidly assess whether you're about to die, whether you might need to be properly admitted to the hospital, or whether you can be discharged swiftly, suddenly and brutally.

Once on a ward, a certain amount of orientation and induction is necessary, but all wards function with great similarity. All nurses are grateful if you don't press the call button all the time, for trivial things, as well as being cantankerous and discourteous. Remembering one's Ps and Qs at all times is a pleasant distraction from boredom, pain and discomfort. There will be shifts, and it's important to be mindful of when these shift changes occur. The NHS staff see so many patients come and go, and many are lucky enough to only have a very short stay in hospital, so there will be a certain initial reluctance to absorb you into the system: the ward wants to spit you out undigested.

Having overcome some initial resistance, you can relax into hospital life. Your day begins with your vital signs being measured. Then blood samples are taken. Then there is the hullabaloo of breakfast, ridiculously early in the morning at 7am. Then, there is nothing. All of that disturbance keeps the night shift staff briefly busy before they hand over to the day shift. The day shift hope to be able to ease their way into the working day gradually. Consultants start to appear at around 10:30am, followed by a gaggle of registrars and junior doctors. The most important time of the day arrives: choosing your lunch and dinner for the next day. By the time that lunch is served, you can't remember what you're going to get because it wasn't long ago you had to choose what to eat tomorrow. The meals are pleasantly bland and easy enough to eat. Mealtimes are something to look forward to, even if the food is far from gourmet. Expecting much to happen during the day, in terms of treatment, is a mistake. Anticipation of treatment that has been promised can only lead to frustration and disappointment. The NHS does what the NHS does, and it does it at its own speed. Things cannot be rushed or expedited. Complaining or asking staff when things are going to happen or what's going on, will only piss them off and ruin their day. Dinner arrives surprisingly early. Treatment can be sprung upon you at the end of the day, just when you thought you were going to have a relaxing evening, or you can have a lengthy wait until you get your pain medication and anything to help you sleep. Dropping off to sleep is not easy, especially as the day shift will hand over to the night shift loudly at the end of your bed, and there will be more vital signs being measured before you'll be left in peace to try to get some rest.

And so, my week in hospital consisted of lying on a bed that had buttons that could make me sit up or lie down, with no effort required at all. I was able to elevate my bad leg, to reduce the swelling. I was brought paracetamol every 4 hours, tramadol every 6 hours, and 2 hot meals a day. There were few unexpected interruptions, and if I was well enough, I would have been able to read, listen to music, browse the internet and watch films & TV, pretty much all day, all evening and as late at night as I wanted. I could stake a piss without even having to get out of bed. Friends travelled to see me. Doctors came to my bedside, and I was wheeled to wherever I needed treatment, by hospital porters. I was under no obligation to do anything, except to get better, and all my basic needs were met. My lovely girlfriend augmented the hospital care, so I wanted for absolutely nothing. Blissful, right? I could have stayed for a month, and I would have even earned £676 (I pay myself minimum wage).

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Why then was I in such a hurry to discharge myself? Why would I leave the lap of luxury, and risk my health and even my life, by leaving the safe confines of hospital?

Well, that's a topic of discussion I've covered at length in prior blog posts, so I invite you to peruse the archives.

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People rarely change their bank. We open current accounts in our teens, and we keep them into adulthood. Some of us even opened special accounts when we were children, and we have a certain nostalgic brand loyalty for the bank that we've been a customer of since we were youths.

The 'big four' or 'big five' high-street banks have not changed for my entire lifetime. We have (in alphabetical order) Barclays, HSBC [Midland], Lloyds [TSB], Royal Bank of Scotland and Santander [Abbey National]. These banks hoover up 85% of all the current account banking customers in the UK.

Just like current account holders, people join these banks when they're young - often their first job - and tend to stay loyal. Many people who I deal with on a day-to-day basis have worked for 15, 20 or 25+ years for the same bank that's been so good to them that they've never felt compelled to leave. Everybody bitches about their job, but a bank employee knows that they're very well looked after and they'd be mad to go off in search of a better job.

I've worked for 3 of the big 5, and they're institutions that I feel very at home in. Some people might think that I work in a rather high-stress environment, where it's imperative that I'm up to date with the latest cutting-edge developments in my field, and I need to perform in an exceptionally demanding role. The truth is, once you're in the door, you're in for good. You get your feet under the desk, and adopt the right kind of jaded resignation, that everything is going to be slow, sloppy, shit and a massive festering pile of neglected crap that nobody gives two fucks about, and you'll fit in just fine. Moan as much as you want - everybody does - but for God's sake don't go on any crusades to change or improve anything. Just settle in, get comfortable and enjoy the masochistic experience of being in a world where not a lot gets done and the right answer is always "no".

A lot of people get into technology and engineering, because they like to fix things and make stuff that works. They like to build stuff. They like the feeling of completing a technical project, throwing the switch and seeing their hard work put into action. A bank is a terrible, terrible place to build anything that will ever see daylight.

Having come to terms with the fact that any ambitions you had of building useful things that people might actually use, will be forever thwarted by a bank, you can begin to enjoy the ridiculous game. You command millions of pounds of budget, and you will achieve nothing. When you estimate how long you think it will take you to do something, you double your original estimate, double it again, and then double it one final time for good luck, and it's still not long enough. When you are asked about the feasibility of doing something, or whether you have any spare bandwidth to perhaps do something extra, you instinctively say no; it can't be done; no chance. Nobody ever got fired for saying no. In fact, people start to love you and think you're great at your job, if you get really good at saying no.

Delivering pieces of important technology, 100% working and of high quality, in short timescales and with hardly any resources, is liable to cost you your sanity. "It can't be true" colleagues will proclaim, even as the results are staring them in the face. From denial, your colleagues will move to the belief that it's a one-off fluke, or they will hate you. Colleagues will mainly hate you for making them look like totally incompetent blundering slowcoach fools. Nobody ever made friends and got ahead in a bank, by doing a good job. Finding yourself burnt out from the exertions of persuading people of the merits of doing things properly, without pointless delays, you find yourself suddenly alone; isolated. You may create some kind of mythical; legendary; cult status around yourself and your achievements, but you have no future with the bank: the bank doesn't want your type, and it will unceremoniously eject you.

You can work for a bank for as long as you like, provided you just go along with things. Never challenge anything. Never push for change. Never go the extra mile. For sure, banking demands that you be seen to be going the extra mile, but it's all just for show; part of the act.

So, if you want to be really successful in your banking career, you learn the rhythm and routine of your department. You learn when your boss arrives at work, and you get to your desk before him or her, and leave with them in the evening, making pathetic small-talk. You learn who's got kids, what ages they are, and what stressful childcare arrangements are a pain in the arse for your colleagues. You learn how everybody gets to work. You learn whether they're morning people or night owls. You learn their interests: topics to get them talking; things that enthuse them. You learn who takes their job seriously; who's ambitious; who's jaded and demotivated. You learn who drinks heavily, smokes, gets stoned. You learn who's lived, and who's been insulated. You learn who's worked hard, and who's had advantages. You learn when to make yourself scarce and blend into the background, and when to promote yourself. You learn the things that need to regularly get done, and you discover many things that don't need doing. You learn how to do just enough to please the handful of important and influential people, and how to avoid having to do any pointless busywork.

You can't prepare yourself for boredom. There is nothing in the world worse than boredom.

My first week back in the office was 4 days of boredom. I've seen it all before, done it all before, and I'm the master of minimal effort. The only problem is that I need to look busy to make a good first impression. I forbade myself from reading the news on my laptop. I tried really hard to not look at my phone too much, and to pretend to be busy.

My boss and his boss, both sit right next to me. My boss is a nice guy who seems to have a paternal nature. The big boss talks too much and doesn't realise that I find him amusingly stupid. I listen, make the right noises and say some encouraging sounding things, but I'm completely failing to disguise my contempt for this fellow, but luckily he's the only one who fails to see my total lack of respect for him, except for my bosss. I endeavour to make my boss feel that my number one priority is in supporting him in making our team look good in the eyes of the big boss. I try to make the big boss feel in control, while diverting any respect he commanded away from him. There's a mutiny in progress, but nobody will realise until it's past the point of no return.

Virtually nothing can be achieved in 4 days in a bank, and I've achieved far more than anybody expects of me, even though I've spent a considerable amount of time in the toilets, browsing Facebook and writing amusing things for my friends to read. I invested as much time as I possibly could in developing a good relationship with my boss and my team, but I have nothing of value to contribute yet. Aside from dazzling my colleagues with my all-round technical knowledge, my main task is to stay the fuck out of their way and not disrupt things too much.

Regrettably, I've had to take Friday off work. Making a good first impression can only be done once, and the lasting image that my colleagues will have of me - the guy wearing the robocop ankle splint - will now be tainted with the fact that I had to take time off work, giving the impression that I'm unreliable and prone to sickness. Damage to your image like that can be irreparable.

Sometimes, it's desirable to be known for being unhelpful, regularly late to work and somebody who leaves on time in the evenings. Being somebody who walks out the office door, even when there's a major crisis, is the sign that you have become perfectly adjusted to bank culture. However, the clever ploy is to try hard at first, to develop an image of being a hard worker, but in actuality, you are avoiding work and responsibilities at all costs. In time, you will have the best of both worlds: being thought of as dedicated and useful, but actually adding no value at all.

My foot has been steadily getting more and more painful through the week, and I've been popping painkillers throughout the day. I've passed the week in a dreamlike state; heavily medicated. Having strong coffee in the morning to make me sharp and alert enough to make a good first impression, has meant that I've been able to stay awake in some horribly boring meetings, but it has made me a little hypomanic, causing me to be far too outspoken at times, but I think I've got away with it.

I've earned more in a single day in the office, than I would for almost a whole month of being in hospital. That kind of cash does motivate you to get out of bed in the morning, and to stay at your desk with your mouth shut, when really you can't stand being in the office.

You'd think it wouldn't be that hard, being a bit bored, going to a few meetings, talking to people, saying fairly standard things that are obvious. Having the exhaustion of being unwell, plus being in pain and discomfort, make things hard for sure, but in a way, it's been an excuse to be fucked up on drugs for 4 days and get paid an obscene amount of money for the privilege.

It seems fairly clear that if I can dial the intensity down to 4 or 5 from 11 - and the dial only goes to 10 - and ease my way into a gentle routine that I can just about cope with, then I'll be able to blend in for years. There's no reason why I wouldn't be liked and respected. There's no reason why I can't be perceived as doing a great job, even though I'm not doing anything useful. That's the main thing I need to remember: I'm specifically there to not do anything.

Saying the right thing at the right moment - being the smartest guy in the room (as someone I know once jibed) - comes easily to me, and it does unfortunately command a disproportionate amount of respect versus doing some real work instead.

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I'm not sure which week was more comfortable. Certainly hospital was more physically comfortable, but I was highly stressed about losing my lucrative hard-won contract and being too tired to be able to function when I started work. My job is extremely easy and I anticipate no problems, except coping with boredom and my propensity to blow a fuse with frustration at the snail-like pace that everything moves at.

Sleeping in my own bed has been far superior to the hospital bed, but getting up in the morning is never pleasant. However, my lie-ins were so ruined in hospital - by irritatingly early breakfast and the like - that I have actually been getting ready for work, relatively painlessly.

Commuting is hell, but because I know it's hell, I'm able to impassively observe the shit that I'm going through; detach. Commuting is the price that one must pay, if you wish for your gross income to exceed a year's average salary in the space of just 8 weeks.

How can anybody handle such contrast? It's insane. It's surreal.

How can I walk out of a hospital, against medical advice, and go straight into a brand new job where they're oblivious of just how sick I am and how messed up my brain is by strong medication? Can't they see that they have an imposter in their mix? Obviously not.

That, effectively, sums up the bipolarity of my life. The ups and the downs. The highs and the lows. What more extreme example could I come up with?

Tags: #bipolar #hospital #NHS

This is a story about sick leave...

On my very first week at my very first full-time proper job after college - working for British Aerospace - my friends talked me into pulling a sickie so that we could go to Alton Towers for the day. This was 1997 and I didn't yet have a mobile phone. I had to call my boss from a payphone in the car park of Alton Towers. You could hear people screaming with terror, as a rollercoaster thundered by, not far away from where I was making this tense phonecall.

I didn't make a habit of throwing a sickie. I moved to the town where I worked, so I could wake up late and walk to work. My boss was quite relaxed about me turning up late, as long as the work was getting done.

No sooner had I moved to Dorchester, then BAe decided to send me off to the Defence Evaluation and Research Agency (DERA) on Portsdown Hill, near Portsmouth. A friend and colleague, who became my boss for this project, would come into my maisonette every morning and coax me out of bed. The early morning starts were agonising, especially if I had spent the weekend clubbing in London and was recovering from drug-fuelled all-night dancing. My body clock was sent haywire, but because I was only 18, I suppose I could just about cope.

I didn't have another sick day with BAe or DERA, or with the next company I moved to Winchester to work for. When I worked for Research Machines near Oxford, I even managed to get to work during the petrol crisis. I was allowed a day off when snow pretty much paralysed the country, and I went sledging in Haslemere, Surrey.

As an IT contractor by now, I realised I could use the time off between contracts to do cool stuff. I went on a week-long RYA Day Skipper course, to learn how to sail cruising yachts. I spent time with family in Devon, and did my interviews over the phone.

The dot com crash and 9/11 were rather unsettling events, so I decided to take a permanent job with HSBC, who are one of the more conservative banks. The interview process was exhaustive, testing my literacy, numeracy, reasoning and a bunch of other aptitude tests, and a grilling from various managers. "Why do you want a permanent job when you're earning good money contracting?" they asked. "Why do you want to work in banking, now that the bonuses aren't so good?" they puzzled.

HSBC Asset Management had a very familial feel to it. They had a policy of hiring a lot of former London Irish rugby players, and Surrey and Middlesex cricketers. If you were accepted, they would look after you. There was camaraderie. There was true team spirit. There was also copious amounts of drinking.

Somehow I got through some 4+ years at HSBC without pulling a fake sickie. One weekend, I ate far too many magic mushrooms, and then a team in Hong Kong phoned me up to ask why millions of pounds worth of equities settlement messages were stuck in a queue and were not being processed. The backs of my hands looked like playing cards, the walls were throbbing and swaying and everything was bathed in bright green light. I made my excuses and quickly phoned a trusted colleague, begging him to handle the support call for me, because I had accidentally gotten a bit too pissed. He laughed and I got away with it.

I had a persistent tickly cough that was annoying me. I had read somewhere that dextromethorphan - the cough suppressant - could make you have a psychedelic trip if you took enough, so I rang my boss, and said that my cough was so bad I couldn't come to work. I then downed 3 bottles of cough syrup, containing DXM. I got precisely zero thrills out of that particular mad caper.

Moving to JPMorgan, I had the perfect job. I used to work mornings and evenings, and go kitesurfing during the day. I say 'work' but what I really mean is that I used to turn the volume up really loud on my laptop, so if somebody sent me a message or an email, it would wake me up and I could see whether I needed to deal with it. JPMorgan were really cool with people working from home, especially if you were supporting their live systems, which was mainly my job at first.

I loved that job at JPMorgan, and never pulled any sickies. In fact, I would often work weekends and late nights. I was pissed a lot of the time, and there were plenty of Friday afternoons in the pub where we never went back to the office except to get our coats and laptops on our way home, but that was the culture. Work hard, play hard.

Switching to New Look - the high-street fast fashion clothing retailer - I had a long commute to Weymouth every day and they didn't really know what they wanted me to do. I spent a day working in a store, which was interesting. I spent a couple of days at their distribution centre, watching the boxes of clothes arrive from the sweatshops, and the stock being sent out to the stores. I spent some time trying to understand what the hell they wanted to do as a business, and what the hell I was supposed to do about enabling it. Eventually, I broke down and decided I couldn't face the commute. I couldn't face the job. I couldn't face anything.

Three days off... no problem... just fill in a self-certification of sickness absence form when you get back to the office.

Four or more days off... got to go to the doctor and get signed off: get a sick note.

It started with two weeks off. Then a couple more. Then I couldn't even face going to see the doctor any more.

I found out what happens if you just stop turning up for work, sending in your sick notes, answering your phone... anything. I just disappeared. The company gets scared that they're going to get taken to some tribunal and found guilty of making somebody so stressed and unwell that they can no longer work. The company is scared it's going to cost loads of money and be hard to get rid of you, so they offer you a cash payment to fuck off quietly, promising you a good reference if you just resign.

With my JPMorgan bonus, my payoff from New Look and my iPhone App income, I was having a pretty bloody good year financially, despite being laid low with depression for a couple of months. I would have continued to take time off, but my phone rang and it was an agent with a contract in Poole: about a 20 minute drive from my house. I interviewed and got the job. I was the highest paid contractor in the company, which was a joke because the company mainly did Microsoft work, and I'd specialised in completely different technology. I actually bumped into another contractor I knew - Bob - and I felt bad that I was earning more than he was, because he taught me so much and he was so much older and more experienced. Oh well, the arrogance of youth, eh?

Anyway, my boss was this cool French guy who liked the fact I could speak colloquial French quite well, so he used to send me over to their main office in Besançon very often. It was great in the winter, because I could go snowboarding in a little place just outside Geneva, before flying home. Me and a friend bought a boat and used to go wakeboarding during our lunch hour. I took my boss out on my boat. I took one of my colleagues out sea fishing. Life was pretty sweet. However, I got bored and started claiming I had illnesses like swine flu, so I could take some time off work. I took so much time off sick, that my boss asked if I really wanted the contract anymore. I admitted that I didn't, so we parted company amicably. I partly needed to get away from an annoying guy with a ginger beard who I had to work with, who irritated the shit out of me.

I then became a full-time electrician. At first, I let the customers choose when I would do the work, and filled my diary up with lots of random jobs. Then, I learned that I could block time out, to give myself a break whenever I wanted. I could tell customers that I was booked up in the mornings, so I didn't have to get up early. It should have been a dream job, which allowed me to go kitesurfing whenever I wanted, but by this stage my relationship was on the rocks and I was depressed and stressed as hell. I didn't do much of anything. I sold my share of the boat. I started to get out of my depth with the work that I was taking on.

After becoming too sick to work, I had a couple of months doing nothing, and then a tiny bit of holiday cover work for a friend turned into some iPhone development work, which then exploded into my idea for a startup: Roam Solutions. I decided to create a software house specialising in mobile apps for enterprise. I threw together a hunk of junk proof of concept and we exhibited at the Learning Technologies conference, at Olympia. Somehow, in the space of a couple of months, there was a working app on iPhone and Blackberry, a fancy website and some glossy brochures. A whole exhibition stand had to be designed and built, allowing people to play with the phones but not steal them. There was so much branding to do. So much design.

I wasn't actually that passionate about what Roam Solutions did, which turned out to be mostly digital agency work. Rebranding as mePublish, then Hubflow; rewriting all the software and creating an Android version - those were momentary distractions. Sales meetings were stressful. Supporting your software 24x7 with just you and a mate is stressful. Getting any money out of our customers was like getting blood out of a fucking stone.

We managed to get about £16k out of a couple of customers and raised another £10k by selling a few percent of the company's shares. In return, me and my mate got to go on a 13-week 'accelerator' program. The program was fantastic fun, but exhausting. By the end, I didn't turn up for a couple of days because I was 'sick'. The truth was, I was burnt out.

I should have swapped roles with my business partner. He made a great CEO in the end, when I stepped down. Anyway, I just disappeared for months, and my friend helped to tidy up the mess and calm the shareholders down. I was almost out of cash. I needed a job.

I went to work for a company that helped people who'd got into debt problems. Not one of those debt consolidation places - we actually wrote to the creditors and negotiated debt-write offs, freezing the interest and lower repayments. We helped people avoid bankruptcy or IVAs. It was a cool company, but they wanted me to be IT director without actually vesting me in or letting me sit on the board. I wrote them a brilliant IT roadmap. They ignored it. I had an argument with the CEO. I went off on a sickie. The private equity firm that owned the company liked me and sacked the CEO. But then I got paid off because I couldn't face going back. The following year, I was at a conference, and there was the bloody CEO of the parent company, who'd followed my fucking IT roadmap to the letter, telling the delegates how well it worked. I felt proud, vindicated, but also I know deep down that it would have taken a lot of hard work to implement, and I was no part of that, so I can't really claim credit.

After the London Olympics, I went back to JPMorgan. I was not a well man. I was limping along.

I managed to fix one of JPMorgan's major issues that was threatening to cause a major catastrophe - front page of the Financial Times stuff - and then I disappeared, never to be seen again. I got a phonecall from my boss, saying I'd received an extra bonus in recognition of the important work that I'd done. I felt like a fraud, thanking him for that, but knowing that I was so sick that I wouldn't be able to go back to work.

My GP signed me off for 5 weeks, and my first thought was literally this: "I can get fucked up on drugs for 4 weeks and have 1 week to recover enough to go back to work."

There was The Priory. There was the separation from my wife. There was the realisation that the rumours of my mental health and drug problems were well known to everybody I knew in Bournemouth and Poole. It's a small place. I used to ride a tiny folding bicycle invented by Sir Clive Sinclair, for the 10 minute trip to work, but yet this had not escaped the notice of all kinds of people whose path I crossed. I was becoming known as a rather odd and eccentric character - a nutty professor; a madman; a drunk; a junkie. It was time to go somewhere so big that those kind of labels couldn't follow me around: London.

I put my back out picking up my niece to put her on the swings at the playground, so I had a week working flat on my back at home, while I was working for Barclays. I started to slowly relapse into taking legal highs, and ended up taking another week off, where I rewrote the entire software system we were working on in a nonstop hackathon without sleep. It rather made a mockery of the whole project, as well as terrifying the hell out of the architects.

At HSBC, I had a full on meltdown after my first week, realising that it was impossible to work a demanding contract while living in a hostel. Somehow, I managed to get away with a week off work, thanks to my sister ringing my boss and making excuses for me. I did also have half a day off because I was so dreadfully hung over once. I wasn't going to bother at all, but my boss persistently phoned me. I reeked of booze, as I turned up at my desk at 2:30pm.

At a well-known leading consultancy, working for the world's biggest security firm, I didn't take any time off at all. I was a little late on a couple of occasions, and had to ask one of my team to run my morning meeting on my behalf, but I was mostly a reliable little worker bee. It helped that I had a whole week-long holiday: my first relaxing week-long break for over 3 years.

I was all set to start a new contract with a well known high-street bank, who I once worked for when I was 20 years old and Canary Wharf was mostly just a building site. However, I knackered my leg, which caused my foot to swell up and my kidneys to fail. I had to pull a sickie on the very first day. Thankfully, they've waited two weeks for me to get better; most of which I've spent on a high-dependency hospital ward, having dialysis. My leg is still fucked.

And so, I go back to work tomorrow, limping along with my robocop ankle brace and doped up on tramadol. I've got one reliable reference from the last couple of years. HSBC hate my guts. Most people at Barclays were shocked and appalled that my contract was terminated early, and my boss lost his job over his decision to fire me, but do you think I can get a good reference? Who knows.

I should have paid my rent 10 days ago. I just told the taxman that he's not getting any VAT off me for a whole quarter, and he fucking hates that. I have no idea what my bank balance is, but I'm sure that what little money I have is being frittered away at a frighteningly quick rate.

However.

I could possibly delay a few weeks and get another contract. I could have stayed in hospital, letting them do their blood tests and fretting over my kidneys - which have proven resilient so many times before - and waiting patiently for them to finally take a look at my original complaint: my fucked foot/ankle/leg. It feels like I've torn a bunch of ligaments and muscle. It feels like my old injury has suffered major complications.

But, two weeks work gives me the best part of 3 months rent. If I can limp through the contract, I go from zero to hero. I've been so depressed about having to watch the pennies and not being able to treat my girlfriend to romantic dinners and whisk us off to exotic locations, or at least make plans to have fun. My plans have all been focussed on stopping the ship from sinking.

You might think I'm mad to take such a risk with my health, but mental health is part of it. Stress is part of it. Money and the need to not run out of it, is something that has to be considered. I don't trust myself: that I'm able to knuckle down and get on with the job. I did a good job of keeping my mouth shut in my last contract and it sorted me out financially a bit. This is my chance to continue that streak of improvement, if I can hold my shit together despite my health being a bit iffy. This is my chance to get in front. This is my chance to reduce all that stress and those worries and that anxiety and that depression about having to be super careful with money.

Anyway, let's see what happens tomorrow, eh? Let's see how sympathetic people are, about the fact that I've just been discharged from a high-dependency hospital ward, where I narrowly avoided chronic kidney failure, which would have meant having to have a kidney transplant and all the rest of that kind of shit. My leg is fucked, but I've found some contraption that allows me to get around without crutches. Still though, it looks like I broke my ankle or something. Surely, I've got to get cut a bit of slack, given what I've been through.

But, it doesn't work like that with IT contracting. Nobody owes me anything. The contract is between my company and another company. It's not an employment contract. It's a contract that says my company will provide consultancy services to their company - I could send anybody I think is qualified. I could hire somebody on minimum wage, train them, and send them to go do the job in my place, and I'd earn just as much money. However, the client doesn't really want somebody like me. They want me and they want me tomorrow at the latest, otherwise they'll just find somebody else. London's not short of talent. It was an extremely kind personal favour, that they waited this long for me to get better.

It's going to be horrible, starting work in pain and so exhausted from the nights in hospital where you're repeatedly disturbed by patients yelling out in pain, nurses coming to measure your blood pressure and take your temperature, and phlebotomists coming to take blood samples. They wake you up at 7am for the crappy breakfast of dry bread and marmalade. It's going to be a struggle to stay awake at my desk, especially with all the pain medication I'm taking.

So, it might all go to shit anyway, but at least I tried. I could have taken my sweet time over everything, and let the hospital string me along, but eventually, I can't cope with the frustration anymore: the lack of control, when your destiny is in the hands of somebody who doesn't even know what they're looking at. Somebody who's hiring because there's a knowledge gap in their organisation: they're hiring somebody who knows what they don't know, so how can they know that the person they're hiring knows what they know? So many stupid interviews, where the interviewer just wants to talk about the lame crap that they have just about managed to memorise. So tedious. In the end, intolerable.

I'm falling asleep and it's 5 o'clock and I didn't wake up until after 10:30am. Tomorrow's going to be fucking awful. But, think of the money. Just think of the money.

Tags: #career

This is a story about artistic integrity...

He who pays the piper calls the tune. Does the piper ever get to play, for their own amusement and freedom of expression?

If you look at my life strategy, it's pretty insane. I've picked a career that uses skills that I mastered as a child, and I now find the job mind-numbingly boring, easy and soul-destroying. I've picked an industry which is essentially just keeping a running total of who owes who what: simple addition and subtraction. I've chosen maximum income, for minimum effort. My life is constrained - certain rules have to be adhered to - but I have set things up so that I can jump through the pointless hoops as effortlessly as possible.

My theory is, that if I were to mix work and pleasure, then it would break my heart whenever I had to compromise. Let's imagine my passion in life is painting. I'd like to paint 1970's sci-fi inspired futuristic cityscapes, clinging to the rocky surface of distant planets. Those paintings are very intricate; detailed. The attraction of that art, for me, is the sense of scale that's given when you paint thousands of tiny windows on the buildings, and lots of tiny people in space suits, wandering around in their futuristic world. However, there's probably only a niché market for such paintings, and they'd take hundreds of hours to paint. Commercially, I'd be far better off splattering a canvas with bright primary colours and calling it abstract modern art - it would take far less effort and would have a much broader appeal. In order to pay my rent, I'd be economically incentivised to produce crap that I hated, because it would be much more profitable.

My strategy is to earn a lot and not work very hard, so I have lots of money and spare time to pursue whatever passions I have, without compromise.

Of course, there is always compromise.

Luckily, there is a Nick Grant who is a rapper, a Nick Grant who is a photographer, a Nick Grant who is an expert in sewerage processing, a Nick Grant who is a lecturer in American Studies at the University of East Anglia, a Nick Grant who's a toastmaster, a Nick Grant who's an expert in credit risk management, a Nick Grant who's a researcher in the Elementary Particle Physics department at the University of Warwick, a Nick Grant who's the CEO of Severn Trent, a Nick Grant who's a Labour Party candidate, barrister and head of legal services for Sainsbury's, a Nick Grant who's the concertmaster of the San Diego Symphony Orchestra, a Nick Grant who's the strategy director for Cancer Research UK, and there's even a series of fictional Nick Grant Adventure books by Jamie Dodson.

This means that I can pretty much write whatever I want on the public Internet, under my real name, without the fear that most salary earning wage slaves would have, that our employers will discover our deepest darkest secrets, prejudicing our career progression and perhaps even jeopardising our employment.

However, ex-colleagues from places like JPMorgan and HSBC occasionally visit this site, and pick up juicy tidbits about the implosion of my life and see the thrashing of my legs, beneath the surface of the water, when I'm swanning about trying to look as serene as possible in my professional capacity. I have old bosses as friends on Facebook and following me on Twitter.

I took an insane gamble. Instead of locking down my social media to only friends who can be trusted to not gossip with anybody connected with my former employers; instead of editing and censoring myself; instead of setting up a pseudonym - a pen name - I write under my real name, with real details that leave me no plausible deniability, to say "it isn't me" and "it must be another Nick Grant".

I guess there aren't that many people who leave the privileged and highly paid world of financial services and IT, in pursuit of the risky dream of doing something more rewarding in an intangible way. Earning bucketloads of cash is all the reward you'd want, right? Why would you want to earn less money being an electrician? Why would you want to have all that stress and risk your life savings, trying to start your own company? Why would somebody who's been a steady dependable 9 to 5 worker, with decades of dedicated service under their belt, suddenly lose their mind and end up in psychiatric hospitals, drug rehab and homeless?

So many of us dream of making a big change in our lives, but when we face up to the reality of the risks, sacrifices and effort involved, we decide that maybe the timing's just not quite right... maybe we'll do it next year, or the year after. We end up boring our friends and family with our grand plans that will never be implemented: forever on the drawing board.

When somebody is mad enough to unshackle themselves from the golden handcuffs and give something a proper go, it's big news. There are hundreds, if not thousands of bored office-working drones, who are fascinated to know the details of the trials and tribulations of anybody who had the guts to follow through on a plan to retrain in a completely different field, or start a business. When you quit your soul-destroying job, you're the underdog; David taking on Goliath - your former colleagues want to live your exciting life, vicariously. Former colleagues are rooting for you to succeed. Former colleagues want to know if you fail spectacularly, to re-affirm that they made the right decision, staying in their nice safe boring jobs.

Bootstrapping means taking on projects where you're not beholden to somebody for the funding. The whole point of me doing a job I hate, is that it's provided the dosh to do whatever I want without having to kiss ass, kowtow and do things in a way that they approve of. The whole point of founding my businesses with my own money, was so that I could run things exactly how I wanted, without investors and lenders breathing down my neck and making stupid suggestions about my business plan.

When it comes to a personal memoir type project, where I'm pouring my guts out, I'm somewhat burning the bridge back to the straight-laced world of boring jobs for boring people with boring lives. I have a CV that says I've worked for various companies and I have various qualifications. People who get salaried jobs by sending off their CV and going for interviews, are not allowed to have exciting lives where they do things that don't neatly fit into boxes. The world that provides my income has a strict rule: fit in or fuck off.

So, I made a decision. I decided FUCK IT. I decided that I would just write whatever I wanted, whenever I wanted. I would be myself, I wouldn't censor, I wouldn't edit and waste time considering what the drones of the corporate world of wage slavery would think about my unorthodox life.

And so, with practice, my passion and - dare I say - my skill, is to document my innermost thoughts and feelings, publicly. It might not be art and it might not be commercial, but it sure as hell isn't compromised. I have moments of fear, where I think that I need to hide my blog, put a sticking plaster over the semicolon tattoo behind my ear, find out just precisely what my former colleagues are prepared to say about me: put them on the spot and say "look, do you judge me on the good work that you saw, or on the secret life that I chose to reveal to you?"

It drove me paranoid and crazy, trying to maintain a squeaky clean perfect professional image, whilst also dealing with all sorts of awful things in my private life. It exhausted me to the point where I lost my mind, covering up the fact that life outside the office was chaotic and unstable, and I didn't want anybody to know that I was just about surviving in grotty student flats, hostels, hotels and friends' sofas. I didn't want anybody to know that my engine had run out of petrol and was running on fumes. I didn't want anybody to know that I had no margin for error, no safety buffer: my finances were on the brink of total disaster.

Why should anybody know these things? If I get stuff fixed up and pick up where I left off, then who would be any the wiser? What people don't know can't hurt them, can it?

However, it hurt me. It hurt me every time a friend thought it was hilarious to tell my ex JPMorgan colleagues things that considerably damaged my reputation. It hurt me every time the grape vine managed to spread gossip about my attempts to find job satisfaction. "I heard you're an electrician now!" a colleague from HSBC who I hadn't spoken to for 6 years, said to me when we connected on LinkedIn. How the fuck do people find this stuff out?

"Oh you were in The Priory... like some kind of rock star. So cool!"

Not cool. That kind of stuff colours people's opinion of you. They make assumptions and whisper behind your back. "Shall we invite Nick to the pub at lunchtime?" somebody says. "No, better not... he's a recovering alcoholic, isn't he?" [I'm not, by the way]

What I write is repetitive. I have no idea what chapter of my life you're going to walk in on. I have no idea what I'm going to be writing about when you dip into my private world. So, I cover the same theme over and over again: I am me.

I'm no longer the straight-laced perfect employee with the immaculate CV. What are those gaps in my employment history? Well, in the context of me being your wage slave, that's none of your fucking business. You don't pay me enough to bribe me to act a certain way and to gag me. You don't pay me enough for me to compromise my integrity, my identity.

I've suffered enough boredom and I've been patient for long enough to have earned the right to be myself; the right to be creative; the right to express myself without hesitation; the right to not have to wear a mask; the right to not live in fear of negative judgement.

What happens if and when the worlds collide? Well, I've set the challenge: it's up to other people to decide whether to judge me on what they see in the office versus what they discover through my candour, in a totally unrelated context.

I'd love to make it into print. I have a penchant for debate, and strong views about government and society. At some point, my ambitions to be an author and to get involved in politics are going to be realised. Every word I write on the public Internet makes me more discoverable to somebody, somewhere, on some topic or other. If I simply wanted a book deal or to raise my profile, I could compromise and conform; I could channel my energy into being commercial and popular.

What does it mean to be authentic? You think it's some fucking option that we all have? You think it's a fucking lifestyle choice?

To be authentic is a risk and it's a privilege. You could lose friends and fall out with your family. You could lose your job. How are you going to find your true voice? The voice that speaks with childlike honesty; fearlessness; tapping into your live stream of thoughts, rather than the lines you've memorised; the act you've learned to play. It takes practice, to be able to express what you feel, rather than say what you think people want to hear. Many of us are disciplined to engage our brains before our mouths: to hesitate, withhold and communicate in a manner that conforms to social norms. We are coached and bullied into hiding our unique outlook and personality.

If I make myself unemployable, I'll be forced to try and monetise the things that I have a natural aptitude for. At the moment, writing is effortless, but I could push myself to write with more purpose, spend time editing and reconnect with some literary agents I started conversations with last year.

If I find myself barred from the land of boring jobs and immaculate CVs, then my energy - my creative output - will have to be expressed in ways that come naturally to me, not just easily. In a way, I'll be unbounded; unleashed; unchained. Of course, it invites hypomania to come and destabilise everything, but at least my crazy projects usually result in cold hard cash in my pocket and something else to add to my portfolio.

I'm scared. I can't play the game any more. I have a contract - ink dried on paper - and I can do the job with my eyes closed. I've been in hospital enough times with kidney problems to know when I'm in trouble, and to know when I can look after myself. I can't humour everybody with this "my health comes first" bullshit anymore. I'm the guy who's pissed copious amounts of blood on more than one occasion, and done the calculations: how long have I got before total organ failure will kill me? I'm the guy who knows when I'm in deep shit, and when I can take a calculated risk.

What scares me more than anything is going through all the same old shit I've been doing since I was a teenager. What scares me more than anything is playing the same fucking games, wearing the stupid fucking mask, and acting and speaking the lines I've learnt and spoken a zillion times before.

I've got a fairly simple plan: conform and comply just enough to get what I want out of some rich fucking banks who I don't give two shits about. The last thing I want to be doing in the world is help some dinosaur of a bank run a simple software project at snail's pace, but they're going to pay me a king's ransom to do it, and it gives me a tiny taste of freedom... I put up, shut up, suffer the boredom, and the reward for my patience is that I keep a bit of integrity; a bit of dignity; a bit of identity.

Maybe I should do this job or that job, people suggest. Wouldn't I be great as a carpet salesman, or a tyre fitter? Isn't my natural calling in life to be a supply chain analyst or a fork lift truck driver?

Maybe it's the mission of the company that I need to get right. Selling people financial products they don't need or want, and profiting on the margin between the borrowing rate and the lending rate, using fractional reserve banking, is hardly going to give you a warm fuzzy feeling, is it? Perhaps I should work for a charity that's managed to help a handful of individuals and a large number of donors to feel better about how disgustingly wealthy they are and ignore the fact that the gap between the rich and poor is growing. Perhaps I should simply find my place in the whole fucked up mess, where I can delude myself into thinking I'm making a positive difference.

But, I've seen too much. I know too much. I know that things are rotten to the core and it sickens me to emotionally involve myself, when everybody wants you to just STFU, keep your head down, do what you're told, not rock the boat and don't for god's sake solve any problems at the root cause.

Writing's the only time I can let rip and not get bogged down by the wilful ignorance and DGAF attitude of those around me. I'm not saying I'm superior and I've got all the answers, but I'm saying that when I get a hunch and I set out to prove my point, I've got plenty of examples of things I've done that have worked, when I'm free from constraints and naysayers.

I love this quote:

"People who say it can't be done should not interrupt those who are doing it"

Somebody's gotta be positive. Somebody's gotta do the math, calculate the risks and take a chance. Somebody has to be brave and stick to their guns. Somebody has to persevere through the setbacks. Somebody has to keep going when the way ahead looks blocked, to figure out how to overcome the obstacles.

I also love this quote:

"It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes up short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat" -- Theodore Roosevelt

I feel gagged. I feel cheated out of the opportunity to demonstrate the best of my abilities; to tap into my creativity and problem solving skills. I feel jealous of those people with inherited wealth, trust funds and other advantages that allow them to dispense with the wearisome world of bullshit jobs, and instead they can flounce around reading interesting things, writing, debating & discussing, composing, painting, drawing, sculpting and generally expressing themselves.

To have those prizes just out of reach, because of the demands of societal conformity, is agonising to the point where it makes me want to give up. I've worked hard enough for long enough that I should be in a different position. I'm left miming the same actions that I've done a thousand times before, in order to keep the money flowing, the rent paid and the food on the table, which is like some kind of psychological torture.

I know it sounds ridiculous, but I knew I would get a contract fairly quickly, and I know that I will be able to run the project really well, very easily. I've seen it all before; done it all before. I can see all the way to the end: no surprises. Because it's all just a means to an end, it makes it that much harder. I've got nothing to prove, and the fact that I'm employed to solve the same old problems in the same old way, time & time again, simply proves that they might as well just give me the money and not bother with the project, if they're not going to listen to the experts who know how to build better systems than these follies; these white elephants.

I've got this easy money contract all lined up. I know what the hell is going on with my kidneys. I've been in hospital enough times with rhabdomyolysis to know when the numbers say I'm fucked, and when the numbers say I've dodged another bullet and I'm fine & dandy. I know when I'm in big trouble and in desperate need of assistance, and I know when my tough little body is patched up and working again.

It's been agonising, to string this client; this consultancy; this agent along, while I've been in limbo: who could have predicted that it'd take nearly 15 hours of dialysis before my kidneys rebooted? Was I ever worried about my life, my health? You're asking the wrong question. You'd have thought that if you pissed absolute jet black liquid and you couldn't feel your foot or your calf, you'd be straight over to A&E, but it doesn't work like that if you're already at the limit of what you can take.

I phoned my client and said I wasn't going to make the 30 minute induction and I was too sick to start work that week. Chances are, that was the end of that: they'd just cancel the contract.

Things in my life are either there to be endured, they're an adventure, something good that's happening, or I've had enough and I'm going to self destruct.

Being in hospital again has been part adventure - I've never had dialysis before - partly something good, in terms of her seeing first hand the shit that I've been through a bunch of times. But there's the actual boring work that has to be endured if I still have a contract by the time I get discharged. There's the self destruct threat, because I've solved all these problems before. Everything's been overcome, so far as I can see. My client will wait until Monday for me to start work, my blood tests are stable and my kidneys are definitely working.

I had no control over whether the client would wait for me to get well. I had no control over when my kidneys would reboot. To discharge myself would have been suicide, so it didn't matter whether I lost the contract or not.

Nobody can see that the recent acute kidney failure is not the root cause of the problem here. Why did I let the problem get so bad? Why am I not afraid of a catastrophic chain of life-changing or life-ending events? My kidneys are working AND the client says I can start work on Monday, but why would I trust my knowledge, experience and the blood test data, and discharge myself, when I could just get another job in a few weeks or months? Why don't I avoid all risk, act like a sensible normal person, and just do everything I'm told?

There's a delicate chain here: I was lucky that my client has waited this long for me to get well, I was lucky that my kidneys recovered quickly, I'm lucky that I have a job that's easy money, I'm lucky that I don't have to suffer more agents and interviews, I'm lucky that I've got a financial lifeline that fixes my cashflow, I'm lucky that this contract keeps me within touching distance of the day when things are stable again, and I have the opportunity to think about doing something rewarding, challenging, creative and everything else I need as the antidote to 20 years of office boredom.

The ticking time bomb exploded, but it was unseen. I couldn't hang on any longer. I couldn't take any more delays and setbacks. My patience for being depressed, stressed and running out of runway, without success at securing a job (that I didn't really want anyway) had expired. I'd been strung along too long. Christmas and New Year slowed everything down and stopped progress, so the agony was drawn out longer than I could take.

Somebody's going to end up not getting what they want.

The doctors want to discharge me with blood tests that show my kidneys are clearing the remaining backlog of toxic crap out of my blood on their own. They want me to have an operation to have a dialysis line put in my jugular vein. They want to do more observation, without dialysis, to know how my kidneys are doing without any assistance.

Her and our friends want me to follow the doctor's advice, and treat my health as if my life hangs by a thread. They care about me. They don't care about my client. They know that there will be other jobs.

I want good quality sleep in my own bed for a couple of nights. I want to try on my ankle splint and get used to getting around on crutches. I want to make a plan for how I'm going to get to work during the tube strike. I want to figure out my medications so I'm not fuzzy-headed and sleepy during the day. I need to not have to start all over again. I need to balance the small risk that my kidneys might take a long time to clear the backlog of creatinine, against the big risk that I can't be out of work any longer, and I can't face starting the job hunt all over again, without depression and stress destroying me.

Yeah, I'm going to feel shit. I was always going to feel shit. I'm going to wish I was more well rested. I'm going to wish things worked out differently. I'm going to wish I could just press the fast forward button and be 6 months further through the year, and everything's gone exactly how I know it's going to go, but I don't have to suffer the boredom, the monotony and the ridiculous deja-vu of solving the same problems in the same way, over and over again.

What's the alternative? I can't cut & run. I can't switch career. I can't chase some stupid pipe dream.

Some people think I'm a know-it-all. Some people think I'm reckless and stupid. Some people think the answer to all my problems is to do the things I've tried before: regular salaried jobs, doctor's advice, safe & sensible behaviour, conformity to the norm.

All I can tell you is, I can make dumb decisions and get myself into deadly situations, but I'm also a bit of an expert in recovering from some very harrowing shit.

It's a bit unfair to ask people who care about me - both loved ones and professionals - to allow me to take what they see as an unnecessary risk, but the flip side is a complex web of psychological risks and consequences that are almost too hard to explain.

If I seem impatient, foolish, arrogant, entitled or somehow like I deserve different treatment and life opportunities to everybody else, all I can say is this: at some point you can't keep trying anymore, you give up and you slip away. At some point, it doesn't seem worth the struggle and the stress, just to line somebody else's pockets and allow them the freedom to pursue their artistic creative ambitions and generally waft around having a lovely time.

If I get what I want, start my job tired and in pain, work for at least 6 months, bored out of my mind and upset that I wasn't well rested and properly prepared; but at least the cashflow hole is plugged, my stress starts to go down, I start to relax about the purse strings, I can show my love and appreciation for the people who I care about and who care about me, I can start to improve my work:life balance and I can start to dream about longer-term ambitions, without torturing myself because things are so far out of reach.

If you think I expect this to happen overnight, you're wrong. I'm forecasting 6 months to stabilise, 6 more months to build up a healthy safety cushion, and another year before I can even dare to dream and start to think about a less soul-destroying life.

As I wrote before, I've got some amazing pieces of the puzzle in place - more love and support than I've ever had in my adult life - but I still can't afford to have other important things slip away for the sake of an acceptably small risk and some short-term pain, discomfort, exhaustion and a bit of extra stress. There is no perfect solution.

There is one thing that nobody can take away from me right at the moment: I'm a penniless writer.

Tags: #writing #art #hospital #career

This is a story about the wanker of the wharf...

London's financial services sector is the gift that keeps on giving. Through Y2K, the dot com bubble bursting, 9/11, 7/7 and the credit crunch, the good times never stopped rolling.

I'm now experiencing deja vu. My very first contract in Docklands was at Harbour Exchange, working for Lloyds TSB. I wore a shirt with cufflinks shaped like taps. I thought I epitomised the height of business fashion. In my defence, I was only 20 years old.

As I look around the glimmering tower blocks on the wharf, and look at their revolving doors leading into their fancy foyers, I realise that I've done at least two tours with so many of the companies: HSBC, JPMorgan, Barclays, Lloyds and others too.

It's good that these places will have me back. Why wouldn't they? I left on good terms, with great references and a bunch of people who'd remember me and some of the things I did when I was there.

But, I've started to burn bridges.

I know how to play the game and keep my mouth shut; not rock the boat. I know that the whole banking world keeps you hostage with golden handcuffs. You're ridiculously well paid, so you try to silence the voices in your head that say: what we're doing here is just not ethical.

You can immerse yourself in the propaganda, that says that the financial products that we offer are greasing the wheels of commerce, but you know that deep down, most of what you're doing is helping the rich to hide their wealth and shield it from taxation. When you ask your customer what their source of wealth is, they're not exactly going to say that it's sweatshops and drugs, are they? They're not exactly going to confess that their family is wealthy because they embezzled a load of money, leaving their fellow citizens starving.

Even a close friend, who seems reasonably ethical banker, has helped his father - a judge - to hide the family wealth in an offshore trust. They had some problems proving that they controlled the money, in order to get a mortgage, but the bank was eventually satisfied. The people who work in banks are outsmarting the ones who work for the regulators and the taxman, so that's why the rich pay very little tax, while the poor shoulder the burden of social programs. Socialism for the rich and capitalism for the poor.

Am I a hypocrite? Am I ungrateful, when I bite the hand that feeds me? Well, the easy defence is just to say that if I didn't do my job, somebody else would. Isn't it better that I'm on the inside, trying to make things better, than on the outside where I would have very little power and influence. I could easily throw my clogs into the loom, if I thought that was the right thing to do.

Fintech is a conflation of financial and technology. Fintech tends to mean the challenger banks and ecosystem that exists outside of the long-standing institutions. Arguably, I've been working on Fintech - financial services technology - since 1998, but yet I might get mocked by my startup buddies as working for dinosaurs. Indeed, one well-respected friend from the venture capital world, even wrote a blog post which suggested that my return to Canary Wharf was an admission of defeat; a failure.

I do feel like a failure. Even though I just secured yet another contract for yet another massive bank, doing some cool stuff with AI and other bleeding-edge tech, and I'm going to be exceedingly well remunerated, I still feel like I sold out. I'm also really worried about my chequered past catching up with me. Instead of popping a champagne cork in celebration of my new role, last night, instead I have butterflies in my tummy and I'm incredibly anxious about getting everything signed, starting the job and making a good first impression, without any hiccups.

My self-assured manner and my self-confidence has all been destroyed, replaced instead with self-doubt. I started looking for a new contract on the 30th of November, and it took all this time to get one. I take that pretty personally, and I worry that I'm not a competitive candidate anymore: I'm not making the grade, amongst the other contractors in the market.

Obviously, when I actually start working these contracts, I realise that there's a real lack of tech pedigree and good leadership. I realise that there is a need for my skills and experience, and I can add value.

However, I struggle to play the game anymore. I struggle to keep my mouth shut for the benefit of my career and my bank balance. I struggle to let things go, for my own personal benefit. When I see wrongdoing and incompetence, I feel that I have a responsibility to the general public, to not just turn a blind eye. I feel like I have to act ethically... not because the regulators are watching, but because it's the right thing to do.

I struggle to do the work anymore. I don't enjoy tech for tech's sake. Often times I don't really believe that tech is improving anything. Most projects are doing the same kinds of things that have been done time and time again, for years. You'd have thought that if we were solving real problems, we'd have solved them already and moved on to something more useful, like finding a cure for cancer. The banking problem - debit account A and credit account B - is not a hard one to solve.

Who the hell am I, to sit idle for the whole month of November, writing a novel instead of trying to get a job. Who am I to arrogantly assume that I'll be able to win another lucrative contract, instead of getting a regular job like everybody else does? Who am I to only work 4 or 5 months of the year? Who the hell do I think I am?

Well, you're welcome to hate me if you like. I'm a banker; a capitalist pig; a lickspittle of the wealthy elites who cause so much human misery.

However, I'm an ideological misfit. I know that I'm well remunerated, but I don't confuse that with value. I don't feel valuable, I feel like I'm wasting my time building stuff that doesn't help; it hinders. I feel bribed into doing a job, because I need the money. Aren't we all? Yes, so why work a job that's just as pointless, but get paid a lot less? Do you think that by depriving that massive corporation of yourself, you're hurting them?

Arguably, if we were to all take an ethical stance with our employment, and refuse to work for weapons manufacturers and banks, we would starve them of the manpower they need to function. However, humanity responds to incentives: if you couldn't buy guns, somebody would start sharpening pointy sticks and selling them; if you couldn't get a bank loan, loan sharks would lend money.

The problem is when you follow a set of rules to their ultimate conclusion, you get some undesirable outcomes. Free-market capitalism might work when you're conquering the Wild West and building all the critical infrastructure to colonise the New World, but what about when it's all done, and populations start exploding? Is it right that being born into wealth or poverty is not a choice: inherited wealth and ownership determine everything.

If we pressed the 'reset' button and set all the bank balances to be the same, how many would lose and how many would gain? Yes, it's unfair that some who've worked very hard would lose out, but what about those who think it's unfair that their inherited wealth shouldn't be subjected to a Robin Hood tax? Surely it's more unfair that some people have a lifelong trust fund income, while others have to flip burgers and still can't afford to raise their families. Surely, there are more people who would benefit, than lose.

So, eventually I arrive at the conclusion that we need to have debt forgiveness, or else civilisation will be destroyed. I mean, what are the wealthy even doing with all their ill-gotten gains? It's dog in a manger behaviour that's the problem here, not jealousy.

In the rigged system we've built, success is not about hard work. The fable of the girl who swept the factory floor being promoted up the career ladder until she was eventually the CEO, is total horse-shit. We know that all the best jobs go to wealthy men from a handful of powerful families. You could bust your ass your whole life, and still have nothing to show for it except the little plastic stars on your McDonalds name badge.

To say "twas ever thus" and blame human nature, is disingenuous. You don't have to look very hard to see that civilisations rise and fall, based on the satisfaction of the hoi polloi. It doesn't matter how high you build the walls: when enough people want to smash down your defences, you'll find that even the most robust barriers are too flimsy to protect you.

What do we really believe in? What cause are we fighting for?

The top echelons of society are wealthy enough to have their every whim catered for, but what do they believe in? How many of our rulers are passionately engaged in the pursuit of something more meaningful than money?

I wanted to save up and buy a house. I wanted luxury holidays and fine dining. I had become totally bourgeois.

If we leave noble causes - like the search for scientific knowledge, world peace and hunger - to a handful of charity workers, while we ourselves fret about buying a bigger house or another boat, then our most educated and powerful portion of society is consumed by the consumer economy, which is intent only on separating fools from their money.

Western civilisation will fall, as if knocked over by a feather, because we believe in nothing.

Tags: #politics #capitalism #career #banking

This is a story about the precariat...

Here I am, in psychiatric hospital with underpants on my head and pencils up my nose. I think you will agree that this makes me perfectly qualified to run the country.

Having a manifesto is something that we associate with nutters who commit mass murder. The end justifies the means, in the minds of people consumed by their political ideologies.

Admitting to having political ambitions is laughable for an ordinary British citizen. The route into politics is through namedropping, brown-nosing and suffering the bullying & infighting of the dominant political parties, as you rise through the ranks. Going into politics is not about campaigning on a manifesto which comprises your deeply held political beliefs. Going into politics is not about a commoner being elected to the House of Commons. There's no room for the riff raff in politics and you're going to need wealthy donors to back you. You'd have to be stark raving mad to think you could get into politics as a representative of the constituents in your local area.

Politics is a career; it's not about improving the lives of your fellow citizens. There's no room for anybody who hasn't made politics their specialism. An interest in government is a fetish for three-line whips.

Political office is granted in recognition of a complete lack of empathy for the proles that a prospective MP has spent their whole life exploiting. Our ministers should be selected from a pool of wealthy elites, who have no concept of life without a trust fund and the advantages of nepotism. The benches of parliament should reflect the people who helped win those seats: the wealthy donors.

Pretending that political parties are given an equal campaigning platform, and that we don't have a two party system, is a hilarious prank that's being played on the electorate. Who could possibly compete with the big two parties, who hoover up so much political donation money? If you're looking to buy yourself a peerage, are you going to waste your hard-earned cash on a party that stands no chance of winning a majority? What a joke!

The top three manifesto promises of the Tories are: plutocracy, plutocracy and plutocracy. Crush the proles. Smash their unions. Keep them insecure and divided. Oh, what a glorious thing, to see the landed gentry literally lording it over the riff raff.

Posh little girls and posh little boys grow up dreaming about the day when they'll get to destroy the welfare state and lower the living standards of ordinary people. "On yer bike!" the jumped up little twits shouted when they were youngsters, and now they're ushering in the Britain they always wanted: where the only fucking job you can get is being a Deliveroo takeaway food bicycle delivery rider.

We don't want anybody getting into politics, who has any idea what life's like for the vast majority of British citizens. We need people who live and breathe the Westminster bubble, to think about real issues, like where they're going skiing this year with their barrister chums.

- ALTERNATIVELY -

I know what it's like to claim benefits, be homeless, suffer mental illness and have to navigate an under-funded National Health Service. I know how digital transformation will affect every aspect of the world around us, and I've worked in education, retail, defence, financial services, security, transport, housing & construction and a host of other sectors too. 

I've studied the dismal science - economics - as well as starting several profitable businesses. I have in-depth knowledge of almost every tax we have: from income tax to capital gains tax; from Value-Added Tax (VAT) to corporation tax; from import duties to stamp duty. I understand trade deficits, fractional reserve banking, financial instruments and the national debt.

With a background in science and technology, I have a big-picture view that broadly encompasses every aspect of modern life. This is not stuff I've read about and only understand theoretically: I'm a practitioner and I have real-world hands-on experience. I have a worldview that starts in the subatomic realm of particle physics and finishes in the intergalactic universe of cosmology, with a geopolitical overview of terrestrial matters somewhere in-between those two extremes.

I'm not a specialist. I have no desire to study the minutiae of anything, like a stamp collector or a train spotter would, but instead I've gathered knowledge of how all the different component parts fit together. It's no co-incidence that I've been able to write game of life type software simulations: computer models.

Anybody involved in politics would benefit from being a generalist not a specialist. When all you've got is a hammer, everything looks like a nail. It's impossible to reconcile the competing views of thousands of specialists, because they all have a very narrow worldview. It's all very well being an expert in your field, but where's the balance?

If I was going to pick a bunch of people to run the country, they would be the fiction writers and the computer game designers. Without an enticing vision of the future, reactionary forces will drag us back into the dark ages. Without a working virtual world, how are you ever going to test your ideas, without your mistakes inflicting untold misery on real people?

As a prerequisite for becoming a minister, you should be able to build a thriving happy metropolis in Sim City and complete a game of Civilization through cultural influence, not war. If you're a failure in those virtual worlds how can you think you're even remotely qualified to wreak havoc on the lives of the electorate? We wouldn't turn you loose on the roads without a driving license.

All minsters and their children should attend state school and be treated by the National Health Service: you've gotta eat your own dog food. There should be a means test, that excludes wealthy families, trust fund babies and any nepotism: only a single generation of any family may enter into politics.

In fact, some of those who govern should be selected randomly, like jury service. Wanting to exercise any kind of power over your peers should be an automatic disqualification. The House of Commons should be balanced out with ordinary people, who have no interest in politics per se: it's the civic duty of every British citizen to muzzle the dangerous megalomaniacs.

Housing, transport, education, healthcare and a host of other essential services, are public services and as such, they should never be profitable. The state should have a monopoly on the things our citizens need. To allow a private firm to profit from our population's needs is a crime. The private sector is welcome to compete in the world of wants, but not needs. Simple economic theory will tell you that prices have upwardly inflationary pressure on things that you have to have: are you going to skip getting cured of that deadly disease, because it's too expensive?

Do you want to live in a world of zero-hours contract McJobs, insane house prices, stress, long hours, insecurity and indentured servitude, for the benefit of big business? That's what you're getting when you allow the country to be run by commercial interests.

We need to smash the plutocracy. We need to have dignity in labour. We need to be united, not divided by those who tell us that we're easily replaced and make us crawl over broken glass for a few mouldy crumbs. Inequality and the arrogance of the elites has reached unsustainable levels. We can't afford the rich any more.

If you think these are just the immature words of a bleeding-heart liberal who never grew up, and I don't understand the complexities of the world, I think you're being a mouthpiece of the elites when you say that it's not as simple as just dividing the wealth. It's easy to be an intellectual snob, because you believe you're destined for greatness. Just because it's not you, going with your cap in your hand to the mill owner to ask for a bowl of gruel, you could easily fall from grace at any moment. Just because you can't imagine what it's like to be poor and struggling, doesn't mean that it couldn't happen to the likes of you. Your fancy education and your expertise won't save you, when the working classes rise in anger and strike down the bourgeois rentier parasite class.

The irony of me writing this, while sipping champagne and looking out over the River Thames and the London skyline, from the balcony of my luxurious home, is not lost on me. The working-class heroes and self-made millionaires can be some of the most awful people. There's absolutely nothing humbling about rising up through the ranks and being successful; quite the opposite in fact.

I write as somebody who's been incredibly fortunate - getting propelled into a life of privilege and wealth - only to lose it all and have to rebuild from scratch. I write as somebody who knows that there's a fast track, as well as how hard it is to overcome prejudice and adversity. I write as somebody who can have delusions of grandeur as much as a sense of worthlessness. I know I'm flawed and I know I can fail, as much as I know how to succeed.

Worshipping power and status has led to layers of sycophantic courtiers, each one existing only to polish the egos of old men. Do you really want your whole country run, just so some exploitative megalomaniacs can be called Sir or Lord? Do you really think anybody deserves your respect, when they preside over the destruction of living standards in an epidemic of mental health issues, caused by the stressful modern life they created?

A central tenet of my desire for political influence, is my first-hand experience of depression, misery, exhaustion, stress and anxiety, which is an intolerable situation, created unnecessarily by unrestricted free-market capitalism. Are these the pillars that you want our working world built on? Should British citizens suffer as much as they do, just to have a crust of bread, a roof over their head and the hope of one day being able to pass on the suffering to the next generation? My answer is: no.

I don't necessarily believe that the state should own the means of production, but the workers should benefit most from the fruits of their labour. Wealth needs to be distributed, not concentrated in a few idle hands. Trickle down economics is a terrible lie.

I think that without social reform, eventually people will put down their tools and violently protest at their exploitation.

Obviously, I'm just a maniac up on my soapbox, shouting absolute nonsense, but who do you believe more: the wealthy elitist who tells you that everything's fine, or the person who's suffering at the hands of those elites?

Tags: #politics

This is a story about referees...

Here's me travelling to work by boat during the tube strike. But why do you even have to go to work anyway? Why do we need the fancy towers of glass, steel and concrete? Why do we need to move millions of people away from their homes and into the cities every day? Why do we need to inflict untold agony on a huge proportion of humanity, just so we can keep some office chairs warm?

Imagine the global economy to be a game of football: the defenders are the police, army and healthcare professionals; the midfielders are the builders, farmers and fishermen; the attackers are the engineers and scientists. So, who's the referee?

The banks are the referee: they're the ones keeping score.

Banks are simply supposed to keep a tally - a balance - of who's winning the game. That's it. Nothing more, nothing less. You can play football without a referee, but it's supposed to be a fairer game if you have somebody impartial to be in charge of the match, running it according to the rules and without cheating.

Why the hell would over 80% of our economy be given to the people keeping score?

If you think about it, most of what goes on at head office is administration. Administration never put food on the table or a roof over anybody's head. Administration is an unnecessary overhead, not a business in its own right.

For sure, administration is hard and complex, but that doesn't mean it's valuable. Just because you've been to business school and got your Masters in Business Administration (MBA) doesn't mean you know fuck all about building a profitable business that adds value to humanity. In fact, you probably got a bit confused and you started to think that administration is the same as business.

If you don't pay your taxes, the government will shut you down. If you don't follow the trading laws, your business is going to get big fines and may be forced to cease trading. However, following the regulations isn't actually the same as running a business.

It's easy to believe that because your business is well administered, your book-keeping is well done and your taxes are all paid, that you're doing a great job. In fact, that's utter horse-shit. What does your business actually do?

So much money is wasted building fancy head offices and filling them full of administrative drones. One office block I worked in actually had a worm farm in the basement in order to eat all the useless paper that was generated by the bean counters.

Do we really need all these people doing bullshit jobs? Do we really need all these records and processes? Is it really helping humanity? Is it making anybody happier?

Today, London was paralysed by a tube strike, but what's the fucking point of those miserable journeys into the office anyway? What got done today? What wouldn't get done if nobody turned up? Would the world end? Would people go hungry or not have a place to live?

"But what about money? What about mortgages?"

Fuck those things.

There are plenty of resources. There's plenty of land to build houses and grow food. There are plenty of rivers and reservoirs. There's plenty of wind and solar energy to be harvested. Fuck sitting at a desk shuffling paper around. Fuck kowtowing to some bean counters.

You've been mortgaged. The reason why you have to do a pointless bullshit job that adds no value to humanity, is because the natural world is being destroyed to create more phallic towers of concrete, full of administrative drones, to add some more fucking zeros onto the digital bank balance of a small-penised oligarch. Does that sound like a useful endeavour to you? Is that how you want to say you spent your life?

It maddens me that we have to get up early in the morning in the middle of winter and struggle to get to 'work' on overcrowded commuter trains, because our bullshit economy worships the referees; the bean counters. The banks are supposed to grease the wheels of commerce, not hoover up all the fucking wealth.

It disgusts me that the lawyers, accountants, bankers and other financial service leeches are wallowing in cash, doing precisely fuck all of any value, and mandating that humanity has to commute across the country twice a day in order to shuffle paper around a desk and move digital money in increasingly pointless complex ways.

In financial markets, we talk about 'naked' positions. That is to say, the trading of a financial product with no need to do so except to try and make a quick buck in the global casino. Futures contracts were invented so that a farmer could sell his corn before it was harvested, in order to buy a combine harvester, and so that the corn flake factory knew exactly what the cost of their raw materials would be. Futures contracts were NOT invented so that some wanker who flies a desk could make an easy buck without so much as breaking a sweat.

The whole fucking system has gone berserk. Money is supposed to be exchangeable for labour or scarce goods, but instead money's just casino chips that have no use outside the global financial markets. We're all paying a heavy human price for our financial services, accounting, legal and administrative world, where we've ended up toiling over ever-growing mountains of worthless paper, instead of trying to build a better life for ourselves and future generations.

What the fuck are we doing, when our most brilliant minds go off to work in head offices, doing administrative and accounting type jobs, writing legal contracts, banking and other kinds of referee type bullshit? What the fuck are we doing, running a football match with 22 referees and a kid with two left feet who can't kick a ball?

Referees don't make a football match. Head offices don't make an economy.

Tags: #capitalism #banking #economics

This is a story about being well presented...

It was gone two o'clock in the afternoon and I was woken up by my phone ringing.

"You've forgotten haven't you?"

It transpired I had an interview in the tower of broken dreams for a contract with Megabank Plc. I was late and I had to get from Camden to Canary Wharf. A journey that would take at least 40 minutes.

"Get going and I'll make an excuse for you."

There was no way I was going to be able to get showered, put on my suit and get across London in an acceptable amount of time. There's only so long that a recruitment agent can stall for. There's late and there's ridiculously late. I went back to sleep.

The phone rang again.

"OK, they're going to wait for you. Are you on your way?"

I lied, saying that I was. I collapsed back on my bunk. How had I managed to keep my suit pristine? How had I managed to have a neat line pressed into my trousers? How had I managed to keep a shirt freshly laundered and uncreased? How had I managed to keep a pair of leather shoes so shiny? My interview outfit was hanging on the bunk bed in the hostel dormitory, ready to go. Reluctantly, I hauled myself off to the communal shower, shared with 13 other people. It was the middle of the day, so at least I didn't have to wait.

How long have I been doing this for?

Surviving by the skin of my teeth.

When you get ejected from the system, it doesn't know how to cope with you. There are valves, barriers, gatekeepers. It's a one way street. You can fall from grace, but there's no way back. Entrepreneurs brag about their bankruptcies. Startup founders brag about the mistakes they made. The world of career, reputation, CVs, references, credit checks, proof of address and security clearance doesn't have any way of coping with somebody who's going through hell. You're doomed to slide all the way down the greasy pole to the bottom, and stay there.

You literally have no idea how hard it is to get yourself off the streets and back into the system.

I've papered over the cracks pretty well. It's remarkable how beneficial it is having a place to live, but it still takes a huge amount of time to restabilise. You might take it for granted that you've got all your Direct Debits set up, your stuff all in one place and unpacked, and your life running fairly smoothly, but my life was smeared all over London's streets. I moved around so many times. So many things were lost or damaged.

Just renting an apartment was exhausting and destabilising. Living out of a suitcase and working on an incredibly stressful project, I was skating on thin ice. The added stress of the London rental market and dealing with a letting agent tipped me over the edge. I had a place to call home, but it cost me my health and my job.

Anyway, this isn't a sob story.

The point is, that when I pulled my overcoat out of the wardrobe for an interview, I could see very visually just how worn down I am: I'm in need of replacement parts. There are scars and war-wounds. The evidence of a very shit few years is still there, if anybody examines my life with any close scrutiny.

I'm wondering, just how obvious is it that I'm out of place? I'm not supposed to come back from the dead. People who've gone through what I've been through are not supposed to dust themselves down and resume their careers.

My suit -- that I proudly wore on Demo Day at the end of the Springboard technology accelerator program in Cambridge -- is now so threadbare that the dry cleaner told me they couldn't wash it more than a couple more times. I need a new pair of black shoes. I need a new overcoat. I need some new shirts.

I'm banking on the fact that scruffy engineers usually have their mind on the job rather than their appearance. I'm banking on my skills and experience carrying the day. I'm banking on people not looking too closely, and seeing that I'm looking a little worn out.

My fatigued business attire is a metaphor for me: past it; has-been; burnt out wreck; failure; loser.

Obviously, I don't believe that. It's nothing that a shopping trip couldn't solve, but if I'm doomed to failure, splashing cash on fancy clothes and shoes would be a waste of money. I can't quite bring myself to have the double-whammy of having the office doors slammed in my face, and having to look at a lovely new suit and overcoat gathering dust in the wardrobe.

I managed to get a good contract earlier in the year, despite my shitty business attire. I considered covering up the semicolon tattoo behind my ear with a sticking plaster, but I risked it. Nobody ever commented on my tattoo for that whole project. Perhaps we only see what we want to see. The superficiality making smalltalk and pretending to get along with our work colleagues: we barely take in what we're seeing.

Why on earth would anybody suspect that I have some secrets? Why would they think I have a dark past? What reason would they have to believe that the man in a suit and a 19+ year career in IT might have had a troubled period?

"So, tell me about mental illness, divorce, drug addiction, homelessness, near-bankruptcy, the loss or destruction of nearly everything you own and the other shit that doesn't seem to have made it onto your CV."

That just hasn't come up... yet.

Tags: #career

This is a story about real life, far from the Internet...

Are you familiar with the acronym "IRL"? By some definitions, it stands for: In Real Life. Many people believe IRL is a synonym for any human interaction that occurs face-to-face. Did you also notice that I always capitalise the word Internet? Ever wonder why I do that?

If I speak to somebody on the phone, is that real life? If I send them a handwritten letter, is that real life?

The distinction between 'real' life, and the life we live with technology mediating our interactions with each other, has become rather pointless. I'm no great fan of video chat, but it's certainly an advancement on the telephone. All telephone calls are routed through digital exchanges, and the same infrastructure that carries your voice also carries the data of your Internet connection. There's nothing much more real about having a face to face conversation, shouting through a wall at your neighbour, making a Skype call (who does that anymore anyway?) or phoning somebody on their mobile.

The Internet is a real place, hence the noun. People can meet there, trade goods, gossip. "But you can't physically interact" I hear you wail. "What about touch, smell, taste?" Yeah yeah yeah. Are you saying that the phone-calls you used to make on that old rotary-dial telephone weren't real life?

This is the beginning of a piece I've been wanting to write for ages. I made a note on my smartphone of the title, but I'd already been mulling the topic since a friend - who I've seen in real life only twice since childhood - made the very good point about the Internet being a real place. I was thinking about writing this well before a different friend - who I hadn't seen in real life for nearly 20 years - posted an article on this topic on Facebook. The timing is too perfect.

I've lived 'online' since I saved up my money from my job washing up in a hotel kitchen in order to buy a modem. When I bought my modem, the Internet wasn't yet a big thing. Instead, I used to get magazines that had loads of phone numbers in them of dial-up bulletin boards. Using technology that predated the Internet in the guise we know it today, I used to be text-chatting online, electronically mailing people and playing online computer games, via bulletin board systems (BBSs).

Then, I took to Internet newsgroups which were a popular fore-runner to the forums and social media pages we have today. I even met a rock climbing partner on a newsgroup. If you don't think that putting your life in the hands of a random stranger off the Internet is real life then I don't know what is.

I spent thousands of hours reading and contributing to three kitesurfing forums. People who I first met online had countless evenings spent drinking, weekends away and holidays to exotic locations together. All of which occurred away from keyboard but it was very much real life. It was real when we were all talking to each other on the Internet all week long, during our dull office hours, waiting for the next time we could go to the ocean together.

This is where things get super blurry. I have so many friends I've made through social media (newsgroups, forums) and a lot of old friends I'm able to still remain in some kind of contact with because we are connected via Facebook. Would I have been able to pick up an old friendship with school/college friends who I hadn't seen for circa 20 years, if there hadn't been some real and somehow tangible tie together, even if it was mediated by binary ones and zeros in the ether of the 'cloud'?

The dust has been gathering on my keyboard since I completed the first draft of my novel. I haven't been blogging regularly for a while. I miss writing and I miss having an open dialogue with everybody and anybody on the Internet. The Internet has brought me friends and fortune. I've never regretted the investment of time I've made in channelling my creative energies into a public space that creates nothing tangible per se. What is software? What does it mean to publish a blog or a book online? If you can't hold it, sniff it, lick it... if it doesn't gather dust, does it really exist?

There was one slightly embarrassing moment in my recent adventures Away From Keyboard.

I was out for dinner with another friend. You could say I know him in real life because the first time I met him was face to face... or you could say I know him through the Internet, because he was introduced to me by somebody I know from an Internet discussion forum. Either way, it's immaterial to the embarrassing story.

Over dinner, my friend expressed his incredulity at the fact that the value of all the coal bought and sold is a tiny fraction of the total value of all the financial contracts (securities) that are created off the back of the physical commodity. So many more coal futures and options contracts are bought and sold by speculators, hoping to profit from a movement in the price of the commodity, versus anybody who actually wants the real coal. The dirty black lumps of carbon are almost unimportant... the 'value' in the financial markets dwarfs the heavy industry that mines coal out of the ground and ships it to power stations and for people to heat their homes.

The embarrassing thing was that I went to speak and then I realised that I had nothing to add. I was left speechless. I've written at length on my blog about the staggering 'value' of the derivatives contracts versus the real economy. Is it me who's splitting hairs, expecting us to care about food and housing and water and healthcare and transport? Is it me who's the luddite, saying that the global financial markets are utter horse shit because it's all just digital money in the Fintech 'cloud'?

Maybe the real embarrassment is that I'd had that conversation before, with a hedge fund manager and a director of an investment bank. We were on our way home from the airport, having been kitesurfing in real life with 20 people from an Internet discussion forum. I was just about to start work for JPMorgan, dealing with Credit Default Swaps. We thought that the financial markets were overleveraged and that there was going to be a crash. That was 2005.

Did I put my money where my mouth was? Yes. I bought dollars at nearly $2 for every £1 I paid, and bought gold at $550/oz. One ounce of gold cost £225 back then. One ounce of gold is worth £920 today.

The point is not to be a doom-monger or gloat in a "told you so" kind of way, but to try and express how tired I am by everything. Being Cassandra is shit. Churning out my thoughts into the ether has allowed me to say everything that needed to be said, but it left me kind of breathlessly shocked to encounter anybody who'd arrived at the same rational and reasonable analysis of a ridiculous situation. That's one thing you don't get when you're lecturing the Internet: any kind of feedback that anybody agrees with you.

So, what's my closing conclusion? I'm back blogging, because I love writing, but aside from setting out my position clearly for posterity, some time away from keyboard is pretty handy to remind oneself that there are a lot of people out there in the real world who share my values and concerns.

Tags: #socialmedia #writing #computing #banking #capitalism