In today's gig economy, where jobs have been replaced by 'portfolios of projects,' most people find themselves doing more things less well for two-thirds of the money.

To people I know in the bottom income brackets, living paycheck to paycheck, the Gig Economy has been old news for years. What's new is the way it's hit the demographic that used to assume that a college degree from an elite school was the passport to job security.

I'm for people bettering themselves, no matter who they are and where they are, doing all they can to be all they can be.

People talk of the new economy and of reinventing themselves in the workplace, and in that sense most of us are less secure.

One phrase I would dearly like to consign to the can is 'Out of the Box.' The thinking that told us we should invade Iraq and that house prices never decline may have been out of the box, but it put us into the ditch. We have been badly misled by people who persuaded us that they understood things we didn't.

If people want to find things, they find them themselves.