Episode Details

Money chats are awkward enough… but money you didn’t earn? That’s next-level uncomfortable.

In this episode, Soph sits down with Dr Eliza Filby, author of Inheritocracy, to unpack the Bank of Mum & Dad and how it’s quietly reshaping everything from the housing market to our friendship groups. We dig into why “inheritocracy” makes people squirm, how Eliza defines it (starting with her own story), and the less obvious privileges that come with family support: free rent, childcare, career safety nets, and the ability to take risks without everything collapsing. We also talk about why you can’t always spot who has family money, what a financial backstop does to your choices, when help can become too much (strings, guilt, and guardrails), plus Eliza’s take on raising resilient kids, what Gen Alpha is up against, why entrepreneurship is the new rock’n’roll, and her best advice for building financial independence, whatever your starting line.

Eliza’s book: Inheritocracy: It’s Time to Talk About the Bank of Mum and Dad (https://www.penguin.co.uk/books/476298/inheritocracy-by-filby-eliza/9780753561904)

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

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Chapters

• 00:00:00 Episode preview
• 00:00:56 Meet Dr Eliza Filby
• 00:01:35 Why “inheritocracy” makes everyone squirm
• 00:05:53 Eliza’s story + what “inheritocracy” actually means
• 00:12:05 The quiet perks: childcare, free rent, safety nets
• 00:15:00 You can’t always “tell” who has family money
• 00:17:51 The power of a financial backstop
• 00:23:19 When help becomes harmful: money, guilt, and guardrails