The phrase invest to acculumate has been around all my life and I can cite instances where it served me well, from the earliest examples when I bought a season ticket to reduce my expenditure on commuting, to buying a house, so that one day I would be able to live rent-free and to the time I was able to use the equity in my property to invest in a business, from which I would be the sole recipient of the profits of my labour. Investing to accumulate though has meant many things throughout history. I was intriged when I read James Clavell's Tai Pan novel as a youngster, in the notion of the broken token thing being a Chinese tradition of investing for the future as a way of trading favours that would need to be hounoured generations later on fear of death if the favours hadn't been returned. I confess I know nothing more about this than I read in the novel, but nobody, let alone a Chinaman has said it was total b.ollox, so it may well be true. I hear stories all the time about third world countries paying to have their children educated in the hope it might be the way of releasing them from poverty and I'm trying to get my head around what happened after 1979, when British people totally lost the plot; and more importantly, how they came to lose it. To get to the point, I was fortunate enough to be brought into a world at a time when Britain was investing in the future of all its citizens and as a result was able to do better than my old man did and thereby be able to accumulate enough to invest further. What changed it all? I have my own views, based on the history I lived through and my opinions, but I'd like to hear from others why they think their children have to pay for the education my generation never had to and why their children are being excluded from being able to afford to own a home of their own.