Britain has become a freeloader’s paradise. A working family of four will fork out £111 for a trip to the Tower of London, or £108 to visit London Zoo. With one parent on Universal Credit (UC), however, that drops to just £4 and £26 respectively. Welfare-advice websites expose how the public sector is ‘geared permanently to making welfare an increasingly attractive way of living’. Those on welfare are not enduring the cost-of-living crisis in the same way as the rest of us, with successive governments fiddling with prices and prioritising claimants. On its own, UC is not particularly generous by international standards, but health-related top-ups transform the picture, while it is our failure to incentivise people back to work that really makes us stand out. Michael Simmons has the story.

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What has the war in Iran got to do with Britain’s house buyers? Michael Simmons takes a look at conflicting predictions from economists and the markets on the impact rising oil prices could have on interest rates. 2026 was expected to be one of the best years for first-time buyers to finally get on the property ladder. Now it looks as if Trump’s war could bring that to an end. But there is a small window for optimism – are the markets wrong?

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Today Rachel Reeves promised ‘support for those who need it most’ as she updated MPs on measures the government is taking as the Iran war risks increasing energy bills. Michael Simmons is joined by Spectator writer Ross Clarke to discuss why energy bailouts won’t work, why Reeves is unfair to pile the blame on Liz Truss and understand the complexities behind a means tested method to target those that need help most.

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