This is a story about the collapse of civilisation...

What is it that causes empires to collapse? Why have fascinating ancient civilisations crumbled into ruins? Well, one prevailing theory seems to be that these societies failed to forgive debts, before there was a popular uprising.

There's a disrespect for working people that's highly prevalent in the world. We have a patronising attitude towards people who get themselves in heaps of credit card debt, or take out mortgages that they can't afford. We seem to assume that the when loans go bad, it's is somehow the fault of the borrowers.

In actual fact, having sat in on phonecalls with many people who are in a distressed debt situation, they did nothing more than try to make ends meet and have a lifestyle that should be considered completely normal in a developed Western country.

Most people who've got into a debt-spiral did so because there's no way to legitimately dig their way out of the hole. They already work the maximum hours that they're able to, but yet their earning potential has maxed out. When the car breaks down, they have to borrow to meet the shortfall, and this tips them into a downward spiral, because they'll never be able to find the extra cash, due to punitive interest rates.

The story is almost always the same. When things start going wrong, people hover up every bit of available credit in order to maintain their perfectly reasonable lifestyle. People still need to replace their clothes, and cheap clothes wear out very quickly. People still need to get to work, and transport costs are significant. People even need to service their addictions. Without tobacco and alcohol, many lives would simply be unbearable. These are not luxuries, and people are not profligate for expecting a minimum standard of living.

If you look at the kind of savings you can make by economising and shopping around, it's fairly depressing. You might be able to save a few pounds by shopping at another supermarket on the other side of town, but what about the extra fuel you burned getting there, and the extra wear & tear on the car? What about the waste of your time, that could have been spent working more hours... if they were offered?

The fact of the matter is, that in free market economics, prices will find a level that is just about affordable for people on an average wage. If you price things too high, then everybody goes bankrupt and just refuses to work because the game is a stupid one. If you price things too low, then there's untapped profits and people rise out of poverty and refuse to do shitty jobs anymore. So, things have to be priced just right so that everybody is looking at their bank balance and eking things out to the end of the month, every month, month after month, year after year.

If you're a politician, landlord or a businessman, you want to find the price elasticity of demand so that you know how much you can charge as taxes, rent and the price of your products, such that demand is not unduly impacted. You want to charge the maximum tax, maximum rent and maximum price for everything, without people saying "fuck this" in huge numbers. Everything is priced based on the limit of what most people will just about put up with.

Unfortunately, people get ground down. Working your whole life just to pay taxes and service debts starts to get pretty irritating. People can see that they don't stand any chance of ever getting ahead in life.

We can see that there's a link between poverty and ridiculous dreams. Where people are poor, gambling is popular, and there's no bigger tax on the poor than a lottery. The lottery is the ultimate con, because it robs the very poorest people of a significant proportion of their income, whilst also giving them false hope that they might one day escape their situation.

Other ridiculous dreams include becoming a professional athlete, and becoming a famous pop singer or movie star. The number of Premier League footballers and TV celebrities is a piss in the ocean. In percentage terms, you're more likely to win a lottery or some kind of accumulator bet.

So many kids these days say that they want to be "famous" but they have no idea what for... singing probably. Vast numbers of people watch singing contests like X-Factor, Pop Idol and The Voice, and unwittingly, they are buying into this fairytale dream that they're going to be plucked from obscurity and poverty one day, and get to live this A-list celebrity lifestyle that's rammed down our throats with shows like Made in Chelsea and The Only Way is Essex, let alone Keeping up with the Kardashians.

Panem et circenses has paved the way for the political class to become ever more powerful, with the proletariat feeling that their vote would make no difference, and their time is better devoted to watching banal wannabe celebrities croon on a television show, as well as spending money to vote on premium rate phone lines.

Banks are "too big to fail" but the ordinary working person receives no government bailout for their financial woes, when it becomes evident that they can no longer service the debt that they have run up. However, there has been no popular uprising yet, because people are resigned to government and corporate control of their lives.

For me, the rioting and looting that we saw in the Tottenham and Croydon riots in London is indicative of a huge portion of society who are taunted with expensive consumer goods that they'll never be able to afford, and offered no jobs or legitimate opportunity, in order to acquire the material things that they desire.

Debt has been the only way that people have been able to get the celebrity lifestyle that's rammed down everybody's throats. All those flashy new cars are on hire purchase. All those gold-plated iPhones are bought with credit cards. All those lovely clothes are purchased on storecards. I don't think these people are idiots, and I don't think they're financially reckless. They've been told their whole lives that they're entitled to these things.

However, the more that people are denied the things that they've been promised - houses, cars, holidays and all the trimmings - the more they're going to wonder why they should work, only to get deeper and deeper into debt, and to have a miserable life where they're just counting down to payday, only for their hard-earned cash to be swallowed by rent, debts, transport, food, clothing and other life essentials.

We are asking too much of our working people, and at some point they're going to realise that it's not the immigrants who are to blame, but the ruling class.

The party never stopped for the elite. The good times just kept rolling. You can't prop things up forever, when working people are so unhappy.

Tags: #capitalism #banking #politics

This is a story about imitation and flattery...

What's through that door? Well, probably my entire career and every golden opportunity that will ever be presented to me, throughout my adult life.

That North Oxford house, if I've identified it correctly, used to be the headquarters of Daily Information. It was here that on one midweek night, computer games ceased to be a solitary bedroom activity, and instead became an opportunity to socialise.

So important was this place in my childhood, that I can still remember the code for the door behind the front door, that would lead up to my friend's parents' office, which was above the offices of Daily Info.

The main office itself was a fascinating place. There were zillions of flyers and posters pinned up on the wall, as examples of the desktop publishing and reprographics business, which also produces a popular "What's On?" guide for the Oxford area. There were also instructions on how to operate the many pieces of equipment and notices for the staff who worked there. It was a complex ecosystem, so unlike a home stuffed full of static ornaments and pictures.

There were piles of photocopier paper, and cardboard sheets in all colours and sizes. Printer cartridges, ink ribbons, toner, and daisy-wheel heads were piled up on shelves, or stacked nearby the cream-plastic machines that they served. Half-finished print jobs lay on the tops of every available flat surface.

But, the main event, and the thing that a group of geeky and otherwise introverted kids, had gathered there for, were the many computers. There seemed to be screens and keyboards everywhere. There were PCs and there were Macs, and they all had mice and colour screens, which was a big deal back in the 1990's, when people still used to do word processing on green-screen terminals that couldn't play games.

Yes, it was the computer games that we were there for, and between my friend, his mum, and a few willing staff members, they had always managed to coerce all the computers into playing amazing computer games. It was like the most fantastic treasure trove of an amusement arcade, with unlimited tokens to play again and again.

There were single-player games, like Shufflepuck, where you had to play air-hockey against a whole host of fascinating characters of increasing difficulty and deviousness. This was an interesting use of the computer mouse, which mirrored your hand's movements with the on-screen mallet, to try and send an air-hockey puck sliding into your opponent's goal.

However, the thing that I enjoyed the most, was co-operating with other kids to try to solve puzzle games. These were mainly of the point-and-click variety, where you guided an animated character through a world that you could interact with, using a number of verbs, like "push", "pull", "open", "close", "pick up", "walk to" and "use". These delightful creations included such titles as The Secret of Money Island and several Indiana Jones inspired games.

We would would pair up, with one of us operating the mouse, while the other pressed keyboard shortcuts to choose the different operations, while you tried to figure out how to solve the puzzles, which generally involved walking around, opening doors and boxes, picking up items, and then figuring out what to use the items on, or how to combine them together to make some new kind of object.

I idolised this friend who ran the event on a midweek evening, and tried desperately to imitate all the things he seemed to do so effortlessly. I read the same books. I tried to write and contribute articles to a school magazine that he had founded. I tried to learn how to become a programmer, and to create music using a MIDI keyboard, plugged into a computer. I wanted to play all the computer games he liked, which were often the Lucasarts point-and-click adventures, rather than 'shoot-em-ups'.

The bitterness that is so evident at times in my writing, could have ended up repressed and perhaps revealing itself in even more ugly forms, had computing not become a social experience for me, as well as a creative outlet.

Writing has never been my strong suit. When I was about 13 years old, I wrote an article about a computer game that I'd never played, in a desktop publishing program that I was learning to get to grips with. It got horribly mangled as paragraphs got moved around. "Were you on drugs when you wrote that?" my friend asked me, having reviewed it with another friend of his who I never met, on account of him going to a different school. I was put in my place, although not maliciously.

Everything I ever did was a pale imitation of what my childhood friend did, however, it was still immensely fortuitous that I had this role model in my life.

By writing computer programs nearly every day throughout my teens, I gained enough experienced to get a job as a junior programmer, some 3 years ahead of my peers. A few years later, there was a skills shortage because of the Y2K millennium bug, and I was able to get a very lucrative contract. Having held a graduate position for a prestigious corporation, and also been an IT contractor before the age of 21, I was then able to break into financial services and banking, which is normally off-limits to anybody without a good degree from one of the top Universities.

It should be remembered that there are many talented geeks, plugging away at code in their bedrooms. The difference between those who are 'tame' and able to play nice with others, is whether they have had adequate social contact. I was certainly rather removed from healthy social bonds by too much screen time, spent in isolation in a darkened bedroom, hunched over a keyboard.

Through people like the friend I idolise, the joy of computing became a joy of using technology to have a shared experience, to use computers as a mechanism for social bonding. Even though I had to move away from Oxford because my parents relocated the family, I was able to reproduce a little of the magic I learned at Daily Information and the social group that clustered around this one charismatic friend.

I learned how to connect computers together using coaxial cable, and I used to have groups of friends get driven over to the family home, with their PCs. We used our paper rounds and washing-up jobs, in order to buy the equipment necessary to allow our computers to 'speak' to each other, and so we were able to play co-operative games, with each of us operating our own computer.

As a bunch of 14/15 year old spotty nerds, having these early "LAN" (network) parties was amazing, even if we were cooped up indoors for whole weekends, waging virtual warfare against each other. Games like Doom were popular with us, where we just attempted to kill each other, but the pecking order was soon established, and the one-on-one combat soon grew tiresome.

We moved onto games like Command and Conquer where we could have two teams, each in their own "war room" connected by an extra-long cable that I had bought for the specific purpose of separating us, so that we couldn't hear each other's tactical discussions. A game would last over 12 hours, with us playing right through the night.

Because of the inspiration to write and to publish, plus the few social skills I had developed and the exposure to the reprographics and 'typesetting' industry, as a teenager I was confidently able to get a Saturday job for a little company that was like a smaller version of Daily Information, in Lyme Regis, called Lymteligence (yes, it had one 'l' missing, which wasn't very intelligent).

I had used money from my washing-up job at a local hotel to purchase my first modem and get connected to the World Wide Web (Internet) after a rather crappy old modem had completely failed to give a connection to my friend back in Oxford, who I was desperate to stay in contact with. For hours, my friend had patiently allowed his phone line to be tied up, while I tried to coerce some antique piece of hardware that I had bought at a car boot sale, into connecting with my distant friend's computer, but alas, he finally convinced me to give up.

At Lymteligence I learned how to author websites, writing the code by hand. I created a website for The United Kingdom Men's Movement. I remember feeling ethically challenged, as I typed up some of the bitter words of men who had suffered painful divorces. Thinking about it now, I feel that I myself could have been driven into the arms of this movement, had I not had a healthy social outlet for my technological skills.

Although it's shameful to admit, and a little creepy, I would try to keep tabs on my friends I had left behind in Oxford, by being a bit of a lurker on the rapidly developing Internet. However, by doing this, in a way I was able to stay abreast of advancements and trends that would otherwise have passed me by.

"Social media" means Facebook, Twitter and Instagram, today, and perhaps Snapchat and Vine. In fact, there is probably a movement that's already begun that's going to kill these technology giants, that I'm not even aware of yet. I've always been a bit behind the curve.

However, back in the day, social media meant bulletin boards, forums and websites like Friends Reunited. I have no idea how I managed to maintain a toe-hold of social connection with old friends, throughout the disruption of moving away and then our adult lives, but the Internet always provided a way.

It used to be the case that the search engines, of which Google didn't feature prominently until surprisingly recently, used to be very good at digging out which particular corner of the Internet your friends were hiding in, provided they were using their real name, and that name is quite uncommon... and my role model friend is blessed with quite a unique name.

Now that we tend to do most of our Internet social activities on Facebook, you'd be surprised to learn that your privacy is actually very well protected, and you have a reasonable level of control over what people can and can not find out about what's going on in your world.

In 1999/2000 I was living in Winchester in Hampshire, UK. Things were going well with my career, but I was struggling socially. Through a housemate, we ended up in the NUS (student) bar at Winchester University. I was leaning up against the table football table, when somebody behind me challenged me to a game. I turned around and realised that it was one of my fellow Daily Information computer club friends, and a guy who I went to school with since about the age of 5.

Reconnecting with an old schoolfriend was great. I had been back to Oxford, in order to show off my company car and boast about how well my career was going, but it was crushing inadequacy and a sense of loneliness that had driven me to go back there. I had even been quite evil and immature, and had wanted to exclude certain friends and monopolise other friends' time, in order to try to salve my insecurity. I was still a deeply troubled, lonely person, expressing that in very unhealthy ways.

Shortly after that chance meeting, I picked up a local newspaper and read that somebody had been electrocuted, while trying to take a short-cut underneath some parked railroad carriages, in order to get back to his University halls of residence. It was our childhood friend. Killed, through a momentary lapse of judgement, while under the influence of alcohol and the excitement of a fun night out in town. Tragic.

This put me - the lurker - in a really strange position, in terms of grieving. I later discovered through the Internet that my friends were attending the funeral, but because of the sense of distance and the shame of admitting that I had been somewhat jealously following our old social group from afar, like a stalker, I didn't know what to do. I procrastinated until it was too late, and the funeral was over.

There used to be so much stigma associated with using the Internet as a means of human connection. Admitting that you met your partner through Internet dating was likely to instigate stifled sniggers and snide remarks about axe-murderers and weirdos. I guess I am a weirdo though.

I don't know whether it's a British thing, or perhaps a function of a lonely childhood and being a needy, oversensitive person, but I'm kinda always struggling to articulate my needs and ask for what I want. I don't even admit to myself, what my fears and unmet needs are.

Writing this blog has been a journey for me, but it's taken me further than I would have ever expected. One leg of the journey was 5,351 miles, and took me to the hometown of a bunch of my idols and role models.

Is it creepy, is it weird, is it an unpleasant amount of pressure, knowing that in some sense, a friend is looking to you for guidance and direction? It must be, a little. Why the hell do I never seem to have grown up and gotten over childhood infatuations?

For me and at least one other friend, our mutual friend has provided at least some of the inspiration for our careers. In a way, I at least owe this friend a debt of gratitude for my financial security and the fact that a lot of doors are open to me, for career opportunities. I know that he shared with me at least a twinge of regret for having perhaps nudged one of our friends down one particular technology path.

Who knows what are going to be the knock-on effects of the connections we make with one another. Who could have foreseen that I would have taken the wealth that I generated so effortlessly in the highly paid tech sector, and use it to implode so spectacularly in my mid-thirties.

Of course this is not about blame, but instead, I feel this great sense of responsibility. I feel that there are certain individuals who I am crippled with shame, to imagine reading my sorry tale and thinking "what kind of monster has this guy turned into". I imagine their disappointment, and it slays me.

Where do we look for guidance and inspiration from in the world? Our parents? Well what if your parents don't provide it? In fact, what if your parents provide a cautionary tale for how not to live your life? I don't want to go into the details again, of why I don't want to follow in the footsteps of either of my parents, but suffice to say, I've always been looking to people outside of my family, to provide feedback and inspiration in my life.

So, I'm fessing up. That's what this whole blog has been about. I'm playing up like a kid and wanting to test my boundaries. When is some parent-like figure going to stand up and say "stop that!" so that I know I've gone too far? When is some authority figure going to step in, and tell me that I'm out of line, and give me some guidance on how I should think, act, speak?

Being given stacks of cash, relatively few responsibilities and no social structure around you, to tell you when you're taking things too far, when you're getting yourself into trouble, when you're wandering too far from the flock, when your ideas are getting too outlandish, when unpleasantness is rearing its ugly head. You probably take it for granted, the checks and balances that exist around you.

So, I'm making an appeal, to people from every period in my life, from every stage in my development: from childhood to adulthood, from Oxford, to Dorset, to London, to Cambridge, to San Francisco, to Prague, to France, to Brazil, to New Zealand. I'll travel round the world a million times, if somebody can just reach out and give me some kind of reality check.

I'm pouring my heart and soul out into the chasm of the Internet, hoping to make a connection with people, hoping to trigger some kind of response. I have no idea how I'm received. I have no idea how I'm perceived.

Yes, it's needy and yes, it's kinda pressuring people to say something where it seems impolite to even ask for feedback. We have lots of phrases that kinda shame people into keeping their mouths shut, like "emotional blackmail" and "attention seeking". If somebody even came out and accused me of such things, at least I'd have something to reflect on.

Everytime I ask somebody a direct question, they seem to think that the kindest thing to do is to spare my blushes, but I don't know whether to trust my own instincts, or actual concrete feedback that I've received.

For example, I was living with some friends, and it was only over dinner one night, when I had moved out of their house, that my friend finally let me know what he really thought and felt. The fact that the truth was suddenly unleashed was brutal. There was real pent-up frustration and having it all released all at once was too much to bear.

I just contradicted myself, didn't I? What an awful, needy, demanding person. I want honest feedback, but I want it little and often. I'm asking for people to give me a reality check, but I'm also admitting that the last time that a close friend fired both barrels at me, I nearly committed suicide. Who wants that kind of responsibility?

But, you know, the takeaway from this is that I didn't commit suicide, and even though that friendship was really badly damaged, at least it moved things along. I was in limbo before... really unsure of what was real, what I'd overheard, what was being said behind my back. It's an impossible way to live, like that.

I'm adrift in a vast ocean, with no tether to any fixed objects. I have no point of reference. I couldn't tell you which direction is which, and where I'm travelling from or to. I'm rather lost.

A friend got in contact earlier in the week, and offered their impression of something I wrote - noting that I had become bitter again - as well as some advice. I can't stress enough how this was like gold dust to me.

I'm not sure you realise how disconnected from the world I've become. I don't have any normal healthy friendships anymore, or regularly see people who I've had a long-term relationship with, knowing me for years, so they can comment on how I've changed. So many people have become just another 'like' on Facebook.

As a friend who I chatted to via Facebook messenger today said, we know what all our Facebook friends position on Britain leaving the EU is, but we don't know what's going on in the lives of those who are not sharing anything personal, except political opinions. There's a vast difference between the occasional reminder that somebody is still alive, because they're active on social media, and actually looking somebody in the eye, when they give you the British knee-jerk reaction of "I'm fine" when you ask how they are.

I appreciate I've written a lot, and huge amounts of it is virtually unreadable. Also, long bitter rants are not exactly pleasant reading, nor do they paint myself in a particularly favourable light. Who wants to know that angry venomous twisted person, hunched over their keyboard, blindly firing resentful and blame-filled missives into the void.

If you've persevered this far, I'm ashamed of myself. I think about all the stuff you must've read, and what you must think about me, but of course this is conjecture. I admit, I am trying to cajole you into giving me some feedback.

You know, I often think about how immature and childish I am. I often think that everybody is in the same boat, and we're always going to be left wondering how other people perceive us, and what people really think about us, to some extent.

It's easy to dismiss a lot of what I'm wrestling with, as just a standard part of the human condition. I'm also reflexively programmed to offer up neutralising statements, as standard, such as "I don't think I'm special and different" and "I know that my life is no more stressful and turbulent than yours".

The engine that drives this verbal diarrhoea is the fact that I do feel insignificant and worthless. I'm driven to try to anchor myself back into the world of the living, given that I have been hospitalised so many times with suicidal and self-harming behaviour. In a lot of ways, I feel justified in telling people who want to guilt-trip me into suffering in silence to shove their "you're not special, shut up" statements up their arses.

How does one go about fixing the very real and practical things, such as figuring out how to live amongst your friends once again? Sure, I can reconnect with people, but if they don't like who I am and what I say, what hope is there of there being any lasting relationship?

Anyway, this stuff is always cringeworthy and difficult to read, so I'm going to leave it there, as an open letter to my friends and acquaintances. An appeal to human connection, and the feedback that is essential for social bonds.

It's mighty cold when you're out in the thin atmosphere of the outsider, frozen and clinging onto life.

Tags: #friends #childhood #oxford #career #computing #socialmedia #suicide #depression

This is a story about ingratitude...

Give me liberty, or give me death!

How do you like living in the free world? Freedom of speech, not that anybody's even listening and you'll never get into print. Freedom to work, if you can get a job, and you'll have to pay exorbitant taxes. Freedom to do what you want, if you're not dead and have any spare time and energy after working a job until you're nearly 70 years old. Freedom to buy what you want, except you probably can't afford it.

There: that's the ingratitude part out of the way. Do I actually think like that? Some people think I do. You'll have to read between the lines to see where I am being self-mocking, humorous, sarcastic and even a little farsical in the interests of courting controversy.

This talk of death and suicide sounds a little flippant, a little melodramatic, but in actual fact, it's shaped my mindset.

I was always impossible to manage, and fearless talking to people of all ranks and status. I refuse to be cowed by credentials and hierarchy. I refuse to know my place.

If you were to just dip into part of my story, and try to make a knee-jerk assumption about me, you might assume that I think I'm better than other people. You might think I'm an entitled snob, a spoiled little brat. You would have misjudged me, and instead you've failed to understand that I'm coming at things from a totally different end of the spectrum.

I'm not claiming that I'm hard done by and that I've made my own luck and worked my way up from the bottom. On closer examination, these claims always prove to be horse-shit. When we look at people who claim to be self-made success stories, the tale is always ridiculous. For starters, many of the ones I've encountered came from loving homes in middle-class families, with parents who had a profession, a job for life. There has been financial security and a good education, even if they paint themselves as some sort of working class hero.

My tale is slightly different. I'm judging things based on the experiences I had when I had nothing. No roof over my head, and no money. I'm judging life based on how close I came to death. I literally made a life-or-death decision... actually on a couple of occasions.

So, I write from a position of knowing how it feels to have nothing. I write from a position of knowing how it feels to have to choose to act to stay alive, or else inaction would lead to death.

Based on this standpoint, I judge things very differently. You might think I'm ungrateful to have a "good" job. You might think I'm ungrateful for my opportunities. In actual fact though, I'm just judging things relatively. I think to myself "am I more or less happy than when I had nothing" and "am I more or less inclined to die, than the time that I nearly died before".

There's a cold hard rational core within me, that could quite easily slice my veins open, in a sudden brutally decisive act, if I decided that the effort of maintaining myself in a state of perpetual unhappiness and struggle would be ridiculous.

As a subject of Her Majesty the Queen of England, I was indoctrinated in the state schools of the United Kingdom, to become a loyal wage-slave, contributing to stability, increase and ornament of British commerce. Does it give me any pleasure or pride to say that? No, not really.

My very first job was for a Ministry of Defence subcontractor, and I actively contributed to Great Britain's military capability, as a naval power, to further their imperialist ambitions. Should that give me a lump in my throat when I see the Union Jack and hear the national anthem? Actually, no, it makes me think about the high price that is paid by the nations we have subjugated, in order to pay for the lifestyle I enjoyed.

Do people enjoy their lifestyle? Huge numbers of ordinary working age people can't afford a house, a family, a wedding. Most ordinary working folks hate their shitty jobs and their long commutes. Most ordinary working folks fret about getting ahead in the work rat race, or getting their kids good exam grades so that they can die an early death due to stress-related illness. But the good news is that you're not going to have to die in poverty if you drop dead at your desk, given that the pensions are in a meltdown.

It looks so hypocritical. The Westeners sit there in their sedentary jobs, comfort-eating themselves to death through obesity-related illness and giving themselves repetitive strain injury from their mouse and keyboard, cataracts from their computer screen and a bad back from slouching in a chair all day. Our short life expectancy is a function of stress, depression and poor lifestyle 'choices'. Meanwhile, the developing world slaves away, with the dream of attaining a western-style lifestyle. Supposedly, the West is the model the world should follow.

However, maybe we got it wrong. In other cultures, the smartest member of the family gets sent away to study and work, so that they can send money back to their family to support them. Isn't that something to get out of bed in the morning? Being the breadwinner for your family.

Instead of the young, fit and active people being the economic providers, we have instead tipped our society on its head, where we worship the 'grey pound'. Since the pension funds became the biggest investors in all our companies, and all the wealth pooled in the accounts and property portfolios of the baby boomers, we now have an impoverished youth, who have a much lower quality of life than their mothers and fathers, and far fewer opportunities to provide for even themselves and their own offspring, let alone feathering the nest still further of their elderly relatives.

I went to the Southampton Boat Show last year, and instead of successful young businessmen treating themself to a toy, as a reward for their hard work, ambition and ingenuity, it was baby-boomers who were spending their kids and grandkids inheritance, as a reward for having created an asset bubble that has meant crashes in both the stock market and the housing market.

I know that all the pounds of economic output that I generate will simply disappear into a pensions black hole, to pay out final-salary schemes for a generation who have nothing but contempt for their kids and grandkids.

Would you toil and toil, if you had no prospect of ever being self sufficient? If you were simply working for ungrateful masters who called you lazy and stupid? If the wealth that you generated simply inflated asset prices further out of reach, concentrated in the hands of the idle coffin-dodgers who didn't work to create the very assets that they own?

Since when did it become a bad thing to be motivated to work? Why should we be so fearful of immigrants, who are young, fit and economically active? The very language smacks of greedy hoarders who are like a dog in a manger.

Every year we have more students than ever before achieving the top exam grades, yet we print headlines and stories asking if exams are getting easier. Homework and the pressure to succeed is driving ever increasing numbers of young people to suicide, but yet it isn't good enough.

The prospects for young people are awful. The minimum wage is lower, and they'll never be able to get married, have kids and buy a house like their parents did. Why do we label them as 'gangs', 'hoodlums' and 'thugs' and mock them for their materialistic attachments to modestly priced bling, like gold cellphones and other trinkets that cost a fraction of the homes and cars that their parents had as their status-symbols?

Why do we not see the link between demanding endless dividends on our shares and ever-increasing capital gains, and the need for corporations to suppress wage inflation, which impoverishes our working-age people?

There are many people who would say that I'm not entitled to ask these questions, given my six-figure income. There are many people who think I should just shut up and take the money, because it's there.

In actual fact, I'm going further than just asking difficult questions. I'm actually putting my job on the line.

I lost two big money contracts because I refuse to be bought. I refuse to stay my tongue, just because I'm being paid a lot of money. Is it unprofessional, arrogant, reckless, stupid? Actually, it's none of those things.

I struggled a lot with middle-class guilt, but predictably, I did very little about it. I used to wring my hands and say "but what can I do?" while reading the Observer and The Guardian newspapers, and having passionate discussions about putting the world to rights, while quaffing expensive wine in fine restaurants in North London. This was hypocrisy. The final straw would have been going on a sponsored run and doing some kind of gift-aid contribution out of my salary every month, to salve my conscience and give me some kind of sense of smug satisfaction that I'd played my part.

Instead, I went on a journey. I've been to the bottom and back again. You might think that my risk was underwritten by my middle-class family, but they actually turned their back on me, when I had apparently left my social rank and become 'untouchable'. I was disowned, disinherited.

I can never claim to know what it was like growing up in abject poverty. My parents might claim that they never had any money, what with my mum being a student and my dad working behind a bar in a caravan site, when I was born. However, my granddads were both professional men with good pension provisions, who were able to bail out my drug-addled hopeless parents whenever they really hit hard times. The same privilege was never extended to me. Perhaps I should have recklessly sowed my wild oats, and then pled poverty when there were extra mouths to feed, like they did.

A parent's relief that their child is alive and physically healthy has no bearing on whether a person feels grateful to be alive. I didn't choose to be born and I don't want to go on living, if life is just endless misery and suffering. If you expect your kids to love you unconditionally, you're just plain wrong. It totally depends on how you treat them, and there's a real generational problem.

Handing over a planet and an economy that's absolutely fucked, and then retiring, is pretty ridiculous if the generation who are going to have to clean up the mess, accept austerity measures and live a lifestyle that is unimaginably frugal, in order to allow pollution to return to safe levels. It's a bad deal, by anybody's reckoning.

It's in my nature to question everything and anything. There are no taboos for me. There is no 'respect your elders' bullshit, because the first question is "why?". Why should I respect the generation that proliferated nuclear armaments, caused global warming, deforestation, pollution of the water table, an asset bubble that's priced ordinary working people out of the market, an unprecedented increase in the rich:poor gap and widespread economic calamity and didn't think about how they were going to afford their retirement, except by mortgaging the future of their children and grandchildren.

Why do I work? I can't tell you, but I can tell you what damage working does to humanity.

The wealth that I generate goes to corporations, who pay it out in the form of dividends or use it to inflate asset prices, to generate growth for their majority shareholders, who are institutional investors - asset managers - whose job it is to generate yet more wealth for an idle elite who expect to receive final salary pensions and an amazing lifestyle, in return for having wrecked the world.

And you wonder why I struggle to get out of bed in the morning and get excited about going to work?

People that I've worked with throughout my career have read what I've written, and I'm slowly making myself unemployable. How could you employ me, knowing that I don't subscribe to the groupthink? How could you employ me, knowing that I speak my mind, and have no respect for the instruments of power? How could you employ me, knowing that I'm not cowed by fear and insecurity?

I'm impossible to control, using the millstone of debt and the threat of destitution. For me, destitution is freedom. Freedom from the oppression of working a job that only serves to line the pockets of an ungrateful elite who have no respect for the workers of the world, and are only interested in a comfortable retirement at the expense of over 50% of the world's people.

Obviously, I think to myself "I must take this down" or "I must cover this up" or "I must keep my mouth shut". There's a part of me that just wants to take the king's shilling and let him call the tune, no matter how maddened I am by degrading myself as the court jester.

There is so much false promise. Work today and be happy tomorrow. Fritter away my cash on good times to forget about the soul-less day-to-day existence and futility of it all, is what I could so easily do. I've done it before.

I sometimes laugh at myself, so full of middle-class angst, but there's a deep seriousness here. It's just bullying groupthink to call somebody a hypocrite or a champagne socialist. The fact of the matter is, somebody has to do something, because we're sleepwalking towards disaster. The middle classes are just about comfortable enough to write letters and furrow their brows with concern, but not enough to actually risk their jobs or their reputations and good social standing.

Every day I sit at my desk, unable to not think about the bigger picture, unable to put the futility of it all out of my mind. I think "what the hell am I doing here?" and even though I'm good at my job and I am perfectly capable of toeing the line and keeping my bosses happy, I inevitably start to rock the boat, just because I have so much barely concealed contempt for a system that so obviously fails to serve the bulk of humanity.

I've let a genie out of the bottle, by considering the wider questions that we face as a species. I've gone down a rabbit-hole of thought, and I can't stop chasing that rabbit, even though I'm throwing away golden opportunities that people would love to have themselves.

Please try not to get caught in the trap of thinking this is a simple case of ingratitude.

My values and my work are really not at all aligned, and it grates with me, to the point where I really don't give a shit if I lose my job, but I'm not stupid... I know that I only have to play by the rules for a short amount of time, and then I can let the world know what I really think and who I really am, before my horrified bosses get rid of me. Please just kill me.

Tags: #career #capitalism #banking #suicide #depression #parents #family #childhood

This is a story about being a contrarian...

I remember sitting down with a mortgage broker in 2007, and he said "just focus on the teaser rate, don't worry about the interest rate after the initial 2 year discount. When your 2 years is up, we'll get you another great deal!". I said to this guy "you do realise I work with Credit Default Swaps, don't you?". Naturally, I ignored his advice and went for a deal that I could afford if there was a credit crunch.

I didn't even want to buy a house anyway. I wanted to put all my money into gold, in 2005/6, and I had opened an account at a bullion vault and bought a small amount... at $550 a troy ounce. The dollar was also really weak so it was a cheap buy.

I thought the housing market looked massively dodgy and the amount of money I saw flying around at JPMorgan, in the credit markets, was ridiculous. Clearly, the bubble was about to burst and a store of wealth in a scarce commodity looked like the best bet. There were plenty of dumbasses around though.

In Cambridge in 2011, I read the original paper on Bitcoin. I thought it looked a damnsight more interesting than my startup. By the end of that year, I had started buying Bitcoins. I bought hundreds.

By the spring of 2012, I wanted to pump all of my wealth into Bitcoin. I was buying Bitcoins at $5 a pop. I was certain that there were big capital gains to be made in the emerging Cryptocurrency. Again, dumbassses didn't see the potential, but even I frittered away those first Bitcoins that I bought, rather than keeping them as an investment. Unless I was going to make a sizeable bet I wasn't interested.

Come the summer of 2013 I was running out of money. My solution: invest in Bitcoin miners and buy bitcoins at $100. I borrowed every penny I could lay my hands on and sank it all into Bitcoin. I offered to cut friends and family in on the potential rewards. Two friends let me manage an investment for them. My family wouldn't give me a cent, even to help me keep a roof over my head.

An idiot - my father - called me "lucky" when I sold my Bitcoins for well over 1,000% return, later that year. I sold my bitcoin miners for a profit. I made money for my friends.

At some point, you've been "lucky" so many times that it's statistically improbable that it's luck, and in actual fact, all the analysis and reading, and time spent thinking about the macroeconomic environment, somehow seems to beat "luck".

If I'd taken the advice of the idiots, I'd be working in a factory in the provinces for minimum wage, or I'd be dead, although the two things sounds pretty much the same to me. Is it "luck" that means I'm not? Well, I'm not arrogant enough to believe that it was smart choices or hard work that mean I am where I am. I know that I'm "lucky" to be alive, to have functioning kidneys, to have enough brain cells left to not be left as a vegetable.

How do you unpick luck from your story?

There's a snobbery that's coming across, and perhaps you even think I imagine myself as some kind of smarty pants. Well, it's pretty clear from this tale that I've taken some pretty dumb risks and done some staggeringly dumb stuff, lately.

I like to think of it as some kind of karma. If your family treat you like a worthless piece of shit and a know-nothing waste of space, then why shouldn't the wider world be a little kinder to you, and gift you the occasional lucky break when you really need one?

These are my fundamental rules for life:

• Be nice to your kids
• Invest in scarce commodities

That is all.

Tags: #banking #capitalism #parents #family

This is a story about how to lose friends and alienate people...

It's remarkable what we assume, and what we're unaware of. It's remarkable how our opinions can be coloured, and prejudices triggered, which completely change our impression of a person, and the way we treat them.

I had declared myself as "fighting mental health stigma" but in actual fact, things like Clinical Depression are so damn commonplace that nobody bats an eyelid if you say you're taking powerful psychiatric medication to stop you from killing yourself. In actual fact, I get more criticism for being medication free and letting my brain achieve its own homeostasis.

When I moved back to London, one of my oldest friends was incredibly sweet and understanding about the fact that I was struggling with my mental health. He took time out to read a bit about what Bipolar Disorder was, and was actively concerned with my wellbeing.

My friends are always playing catch up. By the time I was diagnosed with Clinical Depression, I was already having hypomanic episodes that were beyond the 'healthy' and 'normal' range of moods. Spending copious amounts of money, working ridiculously long hours, hypersexuality, risk taking... these things are not conducive to good health, wealth and stable relationships.

By the time I was diagnosed with Bipolar Disorder, I was already trying various forms of self medication. Depressions had gotten so severe that suicide was a very real risk, and hypomania had reached the point where I was starting to get delusions of grandeur, and was at risk of getting into money problems.

By the time I got free from the horrible relationship that was stoking my mood disorder, substance abuse was a big threat. When my divorce sapped my energy and sucked me back into the nightmarish world that I was trying to escape, I gave up and just decided to be a total junkie.

By the time I got cleaned up and back on my feet, word had been spread by my unpleasant family, that I was somehow untrustworthy, a waste of space, a lost cause.

So, I'm pre-empting all of that. This is a pre-emptive strike. I'm telling the world my very worst things, so everybody can get all that prejudice out of the way. I'm putting my worst foot forward.

I'm still here.

My friends and family are still stuck in the position of trying to deal with their prejudice, even though I've already moved on. I'm dealing with depression and suicidal thoughts, while people think I'm probably scoring heroin on a street corner and injecting drugs in some crack den.

This 'lag' is extremely annoying. It means I have to deal with a shocked silence. It means I'm isolated, alone, with people who should know me better, thinking terrible things about me. The culture of fear that we've grown up in is powerful, and all those images that the media has put into your mind are suddenly applied to me... it wouldn't surprise me if my own family has imagined me stealing car stereos or mugging grannies.

There's a lag with me too. It messes with your mind, being homeless one minute, and then working for a massive bank on a really important project, all dressed up in your suit with people giving a shit about your opinion.

How can you go from being the lowest of the low, to the point where there are people who actually think that death's too good for you, to suddenly one of the highest paid people in one of the world's most profitable enterprises, because the market value for your skills and experience is so high?

Is it any wonder that it messes with your mind? Is it any wonder that your brain doesn't know whether you're a worthless piece of shit, and the world would be better off if you were dead, or if actually you deserve a 6-figure salary, and people are telling you that what you're doing is really important and you're a key figure in the delivery of a super important project. How are you supposed to reconcile that?

Just saying that I should remain "grounded" is ridiculous. I have no frame of reference. I have no evidence to suggest that any possible conclusion I could reach would be the right one. Everything that my experience has taught me has been counter-intuitive.

Working hard, being humble, keeping my head down has gotten me nowhere. It hasn't led to greater happiness, more stable mental health, nor has it repaired damaged friendships and improved my relationship with my family.

Equally, taking reckless risks with my health & wealth has brought surprising results. Instead of being dead or destitute, I actually ended up making a fantastic group of friends, as a result of winding up homeless on Hampstead Heath, just after my birthday in 2014. In actual fact, being chucked onto the street by Camden Council ushered in one of the happiest periods of my life in many recent years, probably since I was in Cambridge in 2011.

I don't see any of what I've done as wrong. I've not resorted to lying, cheating, stealing. I've not screwed people over, manipulated them or in any way committed any offensive act against anybody.

However, people seem to take it very personally, when I apparently screw up my opportunities. One of my closest friends was absolutely besides himself when I lost my contract one Christmas. He thought I had deliberately sabotaged it. He was angry that I had seemingly chucked away a golden opportunity.

Things aren't so clear-cut. I'm rarely in a fit state to work. Either I'm suffering from depression, hypomania, or the exhaustion and cognitive impairment of recovery from stimulant abuse. I just don't have the time and money to properly prepare my mind and body for work, so my colleagues and bosses get a rather fucked up version of me, with all the weird highs and lows associated with an extreme mood disorder.

It's not a moral choice, whether I work, whether I relapse, whether I just collapse in a heap and don't do anything.

I know that people like to judge, and I've given away so much ammunition that it's really easy to think you know my character, my morality. I'm very easy to label, to criticise, and to apply your prejudices to.

I'm fed up of feeling guilty, just because people are shocked and unable to see beyond their prejudice and preconceived notions. I'm fed up of having to carry the can for a load of blame and scapegoating that doesn't even apply to me.

In some ways, I'm tempted to rob, to steal, to lie, to cheat... I'm being treated as if I do those things already. If I'm already 'the bad guy' then I guess I should act the part?

People are more sympathetic to mental health problems like depression and bipolar than they are to substance abuse, even though the latter can be a feature of both of the former. I think the problem is the fact that people try and view it as a moral issue

Tags: #depression #bipolar #suicide #homeless #career #banking #friends #family

This is a story about seeking attention...

How many likes can I get? How many times will my content be shared? How many Twitter and Instagram followers do I have? It's easy to transfer an 'addictive personality' into the world of social media, although it's obviously a lot more physically healthy than drinking, smoking or drugging yourself to death.

I've actually been pushing people away. I've been writing the most gruesome gory details about my life, in an attempt to sort the wheat from the chaff. Who will disown me? Who will recoil in horror? Who will judge me and decide to distance themselves from me? It's a test.

But what is it about people who are seeking external validation? Why am I driven to reach for something outside of myself to feel a connection with the world, a reason for living? Clearly there's something missing in my life. I'm incomplete.

How long have I been bleating on about my distress for? Surely I should have rectified things by now? What about those lengthy periods where I was making things worse not better?

Well, what actually happened is that I was barely coping before Christmas, and I was perhaps being a bit un-subtle. I mean, I only spent a week in a locked psychiatric ward of a hospital. I only travelled 5,351 miles in order to make a point about how suicidal I was feeling. They were things that could clearly be misinterpreted. I mean, Christ, even my own sister thought I was having a jolly holiday.

Anyway, that's something you should know about me: when I reach the end of my rope, I don't run away from danger, I run towards it.

Why should I be risk-averse and act in some predictable way, when cold hard rational sums tell me that there's no way that things can get any better? If you're mentally unwell, completely unable to work and you've got no financial security, you're looking at bankruptcy and living on the streets. Bankruptcy means no more being a company director and an IT consultant working in banking, which is almost all I know in my career of nearly 20 years. Why on earth wouldn't I go out in a blaze of glory?

Loss of status is a big deal. I've lost my wife, loads of friends, my house, my cars, my boats... all that material shite that you don't really need, but is a hell of a millstone around your neck. Just getting rid of heaps of shite is stressful. I've only just emptied my self storage unit, but I needed it, as it's the only way that a homeless person can at least keep a few valuable things safe.

"What do you do?" is the middle-class dinner party cliché question. What do I do? Well, my family's impression is that I'm on a jolly fucking holiday/drug binge. Actually, if people were to extrapolate from the breadcrumbs that I've given them, they'd have to assume that I'm either dead, in hospital, or sleeping rough on the streets. How do you think I survive from day to day? How do you think I pay my bills and avoid addiction? The truth is, you don't really know, which means you don't care.

Perhaps I live in an airport terminal, like Tom Hanks in that movie? Perhaps I'm on benefits... how else would I survive for over 6 months with no income?

The fact is, that the only window you have into my life is what I tell you in this blog, and it doesn't make for pretty reading. According to my sister, my mum did try phoning a few London hospitals, when I said that I needed to be admitted because I was suicidal. Too little too late, I have to say.

Yes, this is an aggressive angry lecture, but it's also a goodbye in a way. Either it's goodbye because it's good riddance, or it's goodbye because I've reached the limit of what I can stand. Rebuilding my life is a major challenge, and I'm tired. I'm exhausted by being nickel & dimed, strung along, and let down by people.

What struck me was the interviews with the people who knew the suicide victims, when I watched the film The Bridge, which is about people jumping off the Golden Gate Bridge. What was most striking were the people who said that they got used to the person saying how unhappy they were, before they took their own life.

I have a friend who lost another friend to suicide, and he 'gets it': the fact that you don't get to influence the outcome anymore after somebody is gone. He realises that the time to act is now. Hand wringing and mumbling "but what shall we do?" to yourself in lame procrastination is just pathetic.

There's an arse-covering culture, and we are sure to give ourselves loads of excuses, most of which are victim-blaming. "I blame the drugs" or "he drank too much" or "he never told us what he needed until it was too late" look pretty silly when a person makes a big effort to try and show themselves as worthy.

You would have thought that 115 days abstinent from alcohol or 6 months abstinent from drugs would be applauded, but instead there is hostility that you're not more normal, that you're not suddenly the world's best son, brother, uncle, friend... whatever.

Abstinence is bullshit. Once an addict, always an addict, seems to be the bullshit attitude of people.

Quitting substances is meaningless anyway. It just proves that I have far more willpower than many people will ever know in their lives. Abstinence is just a lifetime penance for other people's guilt. Yes, I do want a fucking medal for what I've been through. Yes, I do want a fucking parade. Not a lot of people come back from the horrors of the war on drugs, and I'm a fucking veteran.

There's a clear frustration here, an impatience. That's because sobriety is not recovery. I've managed lengthy periods of abstinence - like the first 30+ years of my motherfucking life - and yet, it somehow isn't a life: breathing fresh air. We need food, shelter and social contact. In modern society, we need clothes and money too, which means we need a job. I've tried the fresh air only thing... it leads to starvation.

Currently I'm socially starved. It might seem unhealthy and strange to have this attachment to writing, and use it as a means to reach out to the world, but I'm so fearful of more knockbacks, more rejection. I feel enough rejection as it is, given that my family know how much distress and danger I'm in, but roundly ignore it.

You've got to ask yourself, do you really want a person to survive, to thrive, or do you just want them to shut up and die?

Maybe I live on a fucking train. Choo! Choo! You must be fucking loco.

Tags: #suicide #depression #mentalhealth #career #drugs #addiction #homeless

This is a story about being an open book...

I'm having a crisis of confidence. I've written the best part of a quarter of a million words, but now I'm starting to feel like it's all garbage. I'm losing my audience, and I'm losing my way... where am I going with this?

I've got experience of writing every day. I used to do it on a forum, and it brought very positive things to my life. Having that connection with a group of people formed the basis for friendships that later developed in to proper face-to-face relationships. It was also really confidence inspiring, finding out that people had read my stuff and found it interesting.

So, this could be seen as something immature. I've gone back to the things that I was doing in my early twenties, in an attempt to recapture some long-lost happiness and security. I've moved back to London, I'm working back in banking IT, I aspire to get back into kitesurfing and I'm writing every day... albeit in isolation.

When I started writing on the British KiteSurfing Association (BKSA) forum, the internet was a very different place. There was no Facebook. There was no Twitter. The internet had not yet been colonised by an army of bloggers, churning out a banal wall of white noise, as they attempted to fill the void in their boring isolated lives.

It was interesting that a friend said he had to take down his forum website because it was simply killed by spammers, trying to generate links to their crappy sites, in an attempt to push up their Google ranking. In an article he shared yesterday, a woman wrote about most of the comments in her blog being other bloggers trying to do the same: to generate traffic on their sites.

Fundamentally, the message is clear: nobody reads your boring shit. Stop writing. Don't bother.

However, I'm not writing because I want the advertising revenue or product sponsorship deals. I'm writing because some crazy shit happened to me in recent years, and I want people to empathise. I can no longer carry the burden of having all these secrets. I can no longer handle having a load of experiences that I've never told to my friends and family.

A year ago, I was paranoid about being 'found out' as somebody who came off the rails and had a tough time. I felt that my professional reputation would be ruined. I felt that people would recoil in horror, and that I would lose friendships, respect. The jury is still out, and I've pushed pretty hard into territory that makes me look really really bad, but I'm still here... pushing through it.

There is a kind of catharsis in sharing some stuff that's eating you up inside. I guess it doesn't have to be done so publicly, but my attempts to discuss this stuff over email fell on deaf ears. My attempts to discuss this stuff with my parents ended with them just wanting to avoid the topics. I don't really see any friends on a regular basis, so I've been trapped all alone with my thoughts.

What I know about stuff online is that there are a lot more 'lurkers' than you're aware of. Far more people are reading than writing. People struggle to find the words of their own, and instead they try and find voices that echo their own sentiments. We find it much less scary to share something that was written by somebody else, that matches our own opinion, than to write down our own opinion. We almost feel as if our own opinion isn't worthy, isn't valid.

I guess I don't really have that problem. I'm outspoken in any area that takes my interest. If I don't have an opinion on something, I'll think about it and then develop an opinion of my own. I like to think that my opinions have not been easily swayed, but are instead the rational conclusions drawn from the available evidence.

When I write some pieces which are pure opinion - like my rants about the pensions crisis, or how shitty young people's prospects are - then I do kind of feel like I'm writing garbage. I don't treat it as an academic exercise, and put in loads of references and quotes. I simply set out my opinion in strongly emotive language, because I obviously care deeply enough to write about it.

However, when I think about why I wrote something, it's often because I'm bitter and angry about something else. It's been quite clear from my writing that I'm pretty pissed off with my parents, and so these strong emotions start to express themselves in thinly veiled attacks on their politics and lifestyle choices. The fact that they sit in wealthy comfort while my sister and I struggle turns into an attack on rich Cotswold-dwelling upper middle class Conservative twits, like David Cameron... completely ignorant of the struggles of inner city and suburban ordinary people.

Why I have chosen to shame myself, and write about deeply embarrassing personal stuff and mistakes that I have made, is somewhat more complicated.

There's a huge risk that I'm going to slip backwards into the traps that threatened to destroy my life, during the last few years. I'm scared about how chaotic my life was, how close I came to death, life-changing injury and permanent madness. I want to have some kind of record of my ups and downs, to put things into my own words and demystify what's been going on.

My perception is that I'm currently fairly healthy. I'm struggling with depression and anxiety, but all my feelings of paranoia, my jumbled up disordered thoughts and the really strange ideas and terrible plans or schemes... they've all subsided. Now, I feel quite practical, quite realistic, quite sane. I feel mostly normal.

It's not healthy to regard yourself with suspicion, to think of yourself as unwell. I'm pretty sure I'm not unwell, but it's taking time to get back on my feet. Repairing the damage caused by traumatic events in your life is not quick and it's not easy. If you've read any of my story, you'll know that I've had a remarkable turnaround from where I was, at my lowest ebb.

I've got no idea who's still reading this, and what their perception is of me, but my objective now is to try and demonstrate that I'm stabilising, that I'm getting back to normal. I want to try and reassure people that I'm not a lost cause, and that I'm on top of the scary things that threatened to consume me. I want people to see me as somebody worthwhile, somebody worth being friends with, somebody interesting, not just as a gruesome jester, not just as a fizzing, bubbling, seething mass of self-destructive insanity.

It would be nice if I can write a new, happier, more normal chapter in my story. It would be nice if that chapter included some supporters, but I appreciate that my story has been very hard to follow. I've been hard work, but I hope I'm worth it in the end.

Fundamentally, I'm humbled, even if it doesn't come across very well.

I'm starting to get a bit paranoid about my employers finding this blog, but if I keep writing, all the madness is going to get buried under far too much text for them to bother reading

Tags: #writing #mentalhealth #career

This is a story about conspiracy theories...

Can a homeless person with a drug abuse problem get off the streets and make a better life for themself, or are they a lost cause? Are we right to discriminate? Are we right to only let the 'right sort' of people get ahead in life?

What would happen if we were entirely honest in our job applications? What would happen if we put our darkest secrets onto our CVs and were completely transparent about the chaos and turmoil in our private lives? Would employers be understanding? Would we find our opportunities to work, to earn money, and to restore our self esteem, were abruptly curtailed?

I was speaking to a film-maker friend about the high rates of burnout & alcoholism in the banking community. It was hard for me to be overtly critical, because my experience is that once you're 'in the club' banking does tend to look after its people.

Drinking culture used to be ubiquitous in banking. Having a hangover in the morning, being tipsy in the afternoon, getting absolutely smashed out of your mind with your boss... these things were quite normal, and indeed encouraged. Everything and anything would be celebrated with copious amounts of alcohol, and virtually all sins were forgiven.

My first proper job in the City was with HSBC, and while I was there, a colleague was so drunk that he collapsed in the revolving doors and passed out, blocking the entrance. While the story was well known to everybody, this colleague suffered no disciplinary action. The tale simply entered folklore, and would be recounted to tease our colleague.

I was once running a team for JPMorgan, and I was so often drunk myself that I was unable to smell the vodka on the breath of my team member who sat opposite me. It was well known that he was an alcoholic, which is a bit like giving out speeding tickets at a Formula One race. He did eventually lose his job, but it took many years before he had spiralled downwards enough to have become completely ineffectual at his job. There were many, many second chances.

I myself, benefitted from having most understanding employers, in the banks. I have been rescued from fairly dire situations, not once, not twice, but three times now by these generous institutions. It should be a case of 3 strikes and you're out, perhaps. Besides, I have been biting the hand that feeds me.

I'm conflicted over the banks. I had felt like they were acting with immorality, kind of like a big conspiracy. However, on reflection, I think they just employ the best people they can get, and because they pay well they get great people who are very efficient at making money. There's no conspiracy: people are simply incentivised to help their employers profit, and the companies do better if they help their employees to prosper.

The banks have helped me, despite mental health problems, homelessness and drug abuse. Without them, I would be dead and buried or swigging methylated spirits on a park bench.

Obviously, my former employers don't know how charitable they have been. What would be their reaction if they did know?

Tags: #homeless #alcohol #addiction #drugs #banking #career #london

This is a story about brain damage...

Look at me, eating brains for breakfast. Actually, it's obviously porridge, but I've clearly lost the plot. I'm a few sandwiches short of a picnic. I'm a few cards short of a deck. I'm not the sharpest knife in the drawer, at the moment.

I've been job hunting again this week, after a lengthy hiatus, and it's remarkable how badly affected by stress I have been. In the grand scheme of things, 4 or 5 months out of action is really nothing at all, but having to jump through the recruitment hoops is my idea of hell.

It was only a little over a month ago that I was completely bat shit insane and life was headed down the tubes, so I guess it's natural that this first week back in the swing of things should come with some trepidation.

I wonder how I will answer that question, in an interview: "what have you been doing with yourself since Christmas?". I wonder how well it would go down if I told them I had mainly been locked in my en-suite bathroom, suffering extreme paranoid psychosis, out of my head on bath salts, or in a slurring semi-comatose state induced by legal benzodiazepines, that meant that it took me 15 minutes to explain to a friend that I was eating a slice of toast. Another friend thought I had suffered a stroke.

Oh, I'm making my family very proud, eh? But what can you do? There was really very little hope for me after my brief efforts to keep the wheels of the machine turning, ended up being blocked by the holiday season. Faced with a cashflow crisis and the slow January job market, I backslid, I relapsed, I self-sabotaged.

How much damage does it do, to get so messed up for 3 months? I mean seriously messed up. At one point I believed that window cleaners were spying on me at 11pm at night, on a bank holiday, with horrible winter weather lashing the building.

You only have to look back to some of my blog posts from around that period to see that the whole bath salts & pink/blue pills from the internet combo wasn't the greatest thing for my mental health. You can see the disjointed thinking, but yet my mind had failed to stop whirring away, so instead the complete garbage running around in the hamster wheel of my brain was just spewing forth onto the pages of this website.

In a way, I'm tempted to go back and edit what I wrote, or even erase it from history. However, it's an interesting record of everything that happened to me, in 8 months and counting. Here's a brief recap:

• I was living in a hotel
• I was working a contract for HSBC
• I was really enjoying my work
• I was well liked and respected at HSBC, and a valued member of the team
• I wasn't drinking any caffeinated drinks
• I wasn't taking any drugs (i.e. bath salts) and hadn't taken any since June
• I decided to quit alcohol for 100 days
• I got a flat, and said my friend John could live with me rent free if he did some work for me
• After 30 days without any alcohol, I became suicidal, unable to cope with extreme stress
• I went into a secure psychiatric unit of a hospital, voluntarily, for my own safety, for a week
• My friend Klaus and me did a Man on a Mission scouting mission to Devon/Cornwall
• I then went to San Francisco and caught up with one of my oldest schoolfriends and some of my startup friends
• I then threatened to whistleblow on HSBC because their Customer Due Diligence project was being completely mismanaged
• Naturally, HSBC then terminated my contract
• I then travelled round London, doing my #notanonymous thing
• I went on a load of political demonstrations
• I started doing my advent calendar, leading up to the deliberatly ironically named Cold Turkey on Boxing Day
• I sliced both forearms open with a razor blade, along the length of multiple veins
• I did 101 days without alcohol, then relapsed heavily onto bath salts and benzos (sleeping pills) and pretty much destroyed my bed and generally made a right mess of myself and my bedroom/en-suite
• I got better (or did I?)

Perhaps I should put this website on my CV and link to it from LinkedIn. I've obviously given a great deal of consideration to who is likely to read this. I expect that at some point, some people from JPMorgan, HSBC and my startup days have read things that must be quite eye opening for them.

I remember on the first Friday at my most recent contract at HSBC, a couple of the guys took me out for a beer and the conversation was steered onto the topic of drugs. I had my game head on, so I didn't go into exquisite detail about my colourful past, but I did later fall asleep at the bar and get told by security staff that I couldn't take a nap on my stool. I wasn't on any drugs at the time, but my alcohol tolerance was quite low.

It should be remembered that I wasn't abusing drugs for that whole time I was working at HSBC, and I was actually sober for the whole of October, as the first 31 days of my 101 day sober challenge to myself, which I achieved.

Well, that's not strictly true. After a week at HSBC, I realised that my cashflow was completely screwed and living in a hostel whilst working on the number one project was not going to work, but I didn't have any money. I mean no money at all. I wasn't going to be able to travel to work, eat, or even afford to pay for my hostel bed anymore.

What a ridiculous situation. I was earning many many times more than the average wage, but yet my cashflow was in bits. I was employed doing some very very important work, but I couldn't afford to get the tube to work or buy a sandwich. The money was there, but it was trapped in the system: waiting for my invoices to be paid.

Can you imagine that? You were living in the park, then you were living in a hostel bed, you start work with your one suit and your one pair of shoes, and you don't have any money, but you're working on the number one project for the biggest bank in Europe, and the CIO names you in front of the entire team, at the townhall meeting, as the guy responsible for a certain important piece of work... but you haven't got two pennies to rub together.

So, I ask you, where do you think some of my 'madness' comes from? Is it all due to genetics, to a disease... or do you think some of it comes from the extreme stress and pressure, and the lack of a proper safety net? How hard do you think it is, to fall between the cracks, and try to rescue yourself from destitution? How much of a toll does it take on your body and mind to have to fight your way back from the brink of death and dereliction?

I pretty much slept at the office, because there was nothing for me to go home to

Tags: #career #banking #bipolar #addiction #depression #suicide #homeless

This is a story about returning to normality...

One week from today I'm going to start circulating my CV and generally getting back in touch with my network to try and find some work. It's been a surprisingly long road, getting back on my feet.

I've picked an arbitrary date to try and get back into the swing of the working world. I certainly don't feel very well. I'm tired all the time. I still need help and support to deal with things, which are otherwise overwhelming to me.

However, I seem to have an on/off switch inside me. When I'm powered down in the 'off' position, you would barely believe how dysfunctional I am. Just getting out of bed and getting some food is considered a highly productive day. Pathetic, I know.

Something triggers me to switch gears from neutral, to top speed. The 'on' switch gets thrown and then the only problem is slowing me down enough to try and stop me from burning out. Next week is going to be a blur of activity, and if things go right, then there will be at least 3 or 4 months of frenetic activity before the circuitboards melt.

There are lots of bits of data that are graphable to see these two poles in my behaviour. Whether it's my bank balance or my activity data, collected by the movement sensors in my watch & phone, they all show the same thing: peaks and troughs.

Sadly, I would say that the peaks and troughs are getting more and more extreme though. I was certainly having some very odd thoughts and ideas when I was getting really tired last year, but I was in the middle of a highly productive phase. I had great difficulty biting my tongue, and thinking about the medium to long term benefits that would selfishly suit me best.

It's quite possible that I've totally busted my brain by just asking way too much of it. I've tried to be really kind to it for long periods, to see what difference that makes, but it's a bit like a tube of toothpaste that's open at both ends... you can put the cap on one end, but the toothpaste still oozes out of the other end when you squeeze it.

There's so much pressure in modern life. There's no opportunity to stop and catch your breath. Just as soon as I'm physically able to drag myself into an office for 8 hours a day, and not fall asleep in every meeting, I have to get back in the saddle and earn another load of cash, knowing that my episodes of stability are increasingly rare.

It's really strange, but I think that I used to know what was best for my health, and be really strict with employers, way before I got sick. The idea of working weekends was really offensive to me, and having to do on-call work, or late nights was something I'd only do very occasionally, and there had to be the bait of a big bonus or promotion on the table if I was going to do it.

I used to be really good at managing my long-term health. I made sure I took all my holiday allowance every year, and I made sure I always had something to look forward to. I was also really strict about maintaining a good work:life balance. I was fit and active, spending most weekends at the beach, kitesurfing. I was sociable and had all the right elements to create a fulfilling healthy life.

Nowadays, if I can work, I work. I live for work. When I'm not working, I'm just eating and sleeping. My existence is isolated, unhealthy. I dare not spend any money. I dare not take a holiday. I don't feel like a whole, functional person... and I don't see my friends. I feel worthless.

Frankly, when I am working, I'm way too intense at the moment. It doesn't take me very long to get a handle on an organisation and its objectives, and to understand the team and technology. From there, I seem to fall into my old pitfalls of becoming cynical and overly outspoken. Plus, I'm always in such a rush to get everything done... there isn't an IT project in the world that isn't late or overbudget.

It's hard when you've worked at a particularly demanding level, managing your own team or department, or even running your own company... and then you've got to slot into a massive corporate environment. It's hard to get back into the mindset of the wage-slave. It's hard to remember how to achieve the difficult balance between getting stuff done, and just terrifying the hell out of senior management, because things are happening at breakneck pace.

There was one particular piece of work that I was doing, and I knew there was a really important deadline to hit. There was a TV screen setup, which would light up green when we had succeeded and hit our deadline. I was working away in one of the meeting rooms, away from distractions on the open office floor. I knew that there was going to be a really tricky period to navigate with some of the senior management, who didn't understand what I was doing.

My very worst fears were confirmed when the senior management came rushing into the meeting room to say that there had been cheering in the office, because I'd made the screen go green. I then had to tell them that it was only because I had done some contingency work in preparation for the proper work. The pained and stressed look on their faces was unbearable, but I knew I only had 10 or 15 minutes to wait until the real 'green light' popped up, hopefully.

There then followed a very strained 10 minutes where I attempted to explain that I had done something to give us a retreat route, in case there were problems further down the line. The senior managers felt that I had done something cavalier, they felt misled, they were confused, they were disappointed, they didn't understand... this continued for 12 or so minutes.

Then the screens went green again, much to my relief. There we go. Job done, that was the event that they should be cheering. I had just been killing time explaining what I'd done, because I had a great deal of confidence that everything was going to be OK.

Such is the way with IT. The explaining takes the time. The work is normally trivial.

It takes time to get used to working with me. I tend to work on the principle that it's easier to ask forgiveness than ask for permission. I just put a great deal of pressure on myself to make sure that I get things right when I'm sticking my neck out.

I'm pretty unencumbered by fear, especially now I've been to hell and back a few times. This could be part of the general broken brain problem I've got. I have absolutely no fear of being reprimanded... I stick to my guns when I know I'm right, and my hunches are normally right too. There are so many times when there is enormous pressure to say or do the wrong thing, and the middle ground is to simply button your lip, say nothing, go along with some madness.

I'm not very good at going along with amateur hour.

I was working such long hours that I was staying in a hotel just minutes away from the office. I even had to take my washing to work with me

Tags: #career #banking #computing #london #bipolar