David McWilliams: Ireland is awash with money. Sitting on it would be a monumental waste

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David McWilliams: Ireland is awash with money. Sitting on it would be a monumental waste
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David McWilliams: If you look at money as an energy, a potent elemental force that animates human ingenuity & enterprise, surplus of cash looks like a huge opportunity, and sitting on it a monumental waste. Saving at this rate is a failure of imagination

Studying first year economics in such a country was like playing a bad joke on yourself, living in some surreal parallel universe, like a Cuban kid studying accountancy or a North Korean studying democracy. We’d schlep into university to be hit with a blizzard of graphs telling us what could be possible in some never-neverland of plenty, where money wasn’t a problem. Meanwhile back in Ground Zero, Ireland exported its people cheaply and imported other people’s money expensively.

This is crucial – when a country or a person is poor, they live in the present. But when you are rich you can live in the future, you can plan. When you have no money, you need it now, so you have to live in the present. Poverty obliterates the future. Money has a magical quality because it motivates humans to strive, innovate and turn ideas into reality

Today, as we experience surpluses that are, in relative terms, far more dramatic, we are not hearing much about this conundrum. But agonising about what to do with money is as important as worrying about not having any. Defaulting to accruing rather than deploying is too easy. Money is not just about balance sheets.

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