Tom McKenzie is Professor of Economics at CBS International Business School, Germany and Honorary Research Fellow at the University of Dundee, Scotland. Other institutions where he has taught and conducted research include the University of Cologne, Bayes Business School and Antalya Bilim University. Often wondering, ‘who pays for that and why?’ in the different places where he has lived and worked, Tom has developed a keen interest in public economics and the competing and complementary roles of the private, public and voluntary sectors. In 2019, he collaborated with Peter in the IEA award-winning proposal to create ‘nest egg’ funds for young people in the UK for their lifetime learning. Tom holds degrees in the economic sciences from the universities of Bonn and Cologne.