Trying out a co-working retreat in the Netherlands

Earlier this year I decided to go to Limburg, a region of the Netherlands that was new to me, but which was the location for a start-up company’s pilot of a co-working retreat. Co-working spaces bring together freelancers and rootless remote workers in a paid-for space that offers the facilities of an office, and allows people to keep a division between work and home.

I tried out three co-working spaces while working away in Barcelona once and each came with its own quirks; including an in-house vegan chef, an entrance built within the scaffold of next door’s building site and frequent power-cuts. Worst of all was the co-working space that allowed pets; animals wandered forlornly between people who paid them no attention, and once I looked over my laptop screen to see a dog be sick in the plant-pot close by.

Co-working retreats are a step further into the unknown. This opportunity in Limburg was an experiment – touted simply as a house in the countryside where professionals could focus on a creative project. Your meals were looked after, there were 90 minute yoga lessons before breakfast, and a coffee pod machine dripped high quality caffeine to us on demand. There was a suggested fee for our four-day stay, not mandatory since this was a pilot.

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We were staying (and working) in a converted barn that backed onto a nature reserve, a big beautiful stretch between the banks of two lakes. There were grazing wild ponies, cattle and rabbits that bounced between tufts of grass and dandelions.  It was a beautiful backdrop to work from, although there were not clearly delineated or private work spaces as such – it was really just the kitchen table or an armchair in the lounge. I was there to continue writing (dusting off a long-worked on piece that needed re-energising) but there were others that needed to edit video, or take Skype phone calls so the lack of distinct work space was an issue.

Our group comprised five other guests and a yoga teacher (whose morning lessons covered his room and board.) In all our various professions would be listed as: online music tutor, mature student in psychology, documentary maker, well-being coach and blogger, project worker, researcher.img_1556

It became quickly apparent that we all had different ideas of what a co-working retreat meant. For myself, I wanted uninterrupted focus time on my particular project. For our Dutch host, however, his vision for the stay seemed to lean more towards a chance for inner reflection on our working selves.

For example, at dinner on the first evening, our host shared an idea on how to make this experience more ‘meaningful’ for us: going around the table, we would share progress on the project we were working on, and any challenges we were facing. We would all ‘set the intention’ by putting a note in a bell jar on which we’d written the one thing we wanted to get out of the week. When the time came to leave, we could empty the bell jar, share the intentions and review our progress.  Ordinarily, I am all for these sorts of initiatives but it felt a little forced. This was perhaps because in our own little bubbles of work, broken only by mealtimes, it was not easy to break through to instant familiarity with people from different countries, who were also working on entirely different projects. Perhaps also, it was because the group was too small, and the stay too short – we were only going to be there for three nights in total.

Our few days passed, very pleasantly, and although I didn’t achieve my writing ‘intention’ completely, I had moved forward – and came away with all the new thoughts that come from being in a new place, and surrounded by new people. However, what also struck me is that we haven’t yet worked out how it is possible to co-work, whether that is on a retreat, or as remote workers in a co-working space. What co-working spaces offer beyond desk space, access to a printer and proximity to other humans, is dependent on the space’s organisational culture – in that respect, like any other office.

We might all find that our work places are characterised by increasingly virtual qualities – the strength of our WiFi connection, or the tidiness of our email inbox, but we will never stop wanting colleagues, team players and work friends.

Longterm money management in a changing economy

Recently, I asked a 31-year-old friend (who works in the charity sector, in case you’re interested) whether she ever talked to anyone about planning for her financial future. “I might ask my dad about pensions and stuff,” she said. “But I just wouldn’t think of going to a bank to talk to someone…That’s what adults do!” I’ve heard this a lot.

Buzzfeed’s 13 Things You Need To Know About Money In Your Twenties zips through nuggets of advice on pensions, first-time mortgages, and how much to save in proportion to your income – with every 100 words separated by some sort of cat gif to keep us going. (It seemed a more strategic use of images than in the average listicle.)

The choice of the word ‘realistic’ in the CAB tweet struck me.

Did they mean that the Buzzfeed piece was pitched at the right level of understanding for its target readers, or because it was short enough that people might actually finish it? Or even, was it realistic because the saving targets the article suggested were achievable for a generation that faces an increasingly precarious employment market, overpriced housing and a retirement age that’s perpetually retreating into the distance?

Another article in the FT: ‘Why Millennials go on holiday, instead of saving for a pension’. The friend who shared this article jokingly commented underneath his post: ‘What’s a pension?!’ Although it is unsettling to be held up as a vaguely alien species, the piece captured some insights about the choices 25-to-35-year olds are making in terms of their money.

Reading this, I felt proud of my age-group. Yeaah! Millennials. We must be so frustrating for the financial experts, us lot. We just don’t want to settle down and make the ‘safe’, reliable and regular investments that satisfied our parents’ generation and maintain the status quo in banking terms. We try to make objective decisions about what providers are on offer; we prefer methods that have some kind of social impact; and we want to take out our money when we feel like it. All very disruptive.


A report titled “Generation Lost: Engaging Millennials with retirement saving” carried out by multinational financial service providers BNY Mellon in collaboration with researchers (also self-identified as millennials) at Cambridge Judge Business School, argues that many young people feel disconnected from the realities of their financial futures. The report emphasized that millennials were not disinterested in the subject of pensions, but felt the salient points had not been communicated to them in a way that they understood.

  • According to the report, 77% of millennials surveyed in the US, UK, Japan, Brazil Netherlands and Australia want to be told “the stark truth” about the amount of money they need to save for their longer-term future.
  • 46% of millennials in the UK get no financial information about pensions through their workplace or educational establishment. According to BNY, millennials need to be saving a total of ten times their current average salary to be able to retire.

One tweet from the Buzzfeed article really stayed with me:

“After my 11 years of education I still don’t know how mortgages or taxes work but hey at least I know about the cells inside a fucking leaf.”


In England, lessons in handling money or ‘financial capability’ have only been included in the primary and secondary school curriculum in England since September 2014. At Key Stage 3, students learn about the functions of money, personal budgeting and managing risk. At Key Stage 4, generally taught to pupils aged between 14-16, the study programme includes credit and debt, pensions, insurance and income.

Therefore, only a small number of the people in the millennial bracket have had the chance to even idly doodle around the word ‘pension’ in a classroom. Those who missed out will continue staring blankly at the letters about pensions auto-enrolment, until crumbling and paying to see a financial advisor.


Through working on Means of Exchange, I probably know more about pitching a successful crowdfunding project than about different types of mortgages, or my best pension options, or what the words involved in the boxes around my tax return really mean.

Is this because ideas like crowdfunding are relatively new, so that the concepts have been explained to me from the outset? Or are they just more intuitive in general? Whatever the reason, one exciting aspect about ‘new economy’ tools like local currencies is that it is relatively easy to grasp the concepts behind them. This probably helped by websites and technology tools designed by people who had thought about what I needed to know, and when (aka my ‘user journey’).

Following the financial crisis of 2008, we have seen a welcome number (try Positive Money and Ecnmy) of initiatives that try to help people understand how our economy works. These projects could help reduce the numbers who knock at Citizens Advice Bureaux doors on the brink of homelessness, looking for debt and money advice. Recent research has even suggested that understanding how our economy works could affect the way we vote.

But alongside this, we need better tools that help adults work out individual money management in a changing economy: for example, how to work out their credit rating for example, or manage their debts before they become insurmountable.

In thirty years time, I’ll be approaching 60 years old (all being well), just a few years before many people currently start to think about retirement. Hopefully, I’ll have thought more about my pension before then. But a lot can happen in thirty years. In 1986, I don’t think many of us expected that we would have sophisticated cameras in our pockets, could video-call Bhutan without really thinking twice, and get our groceries without leaving home. As the number of those registered as self-employed reaches its highest point in forty years, and students start to consider peer-to-peer loans to finance their £9,000+ tuition fees, I hope that alongside new economy tools comes a renewed movement to become financially literate in an economy that is both old and new.