"My name is David Collins. I'm 69 years old and I live in an almshouse." Everyone tells us we are living in tough times, so three guests explain what that means for them. David Collins is an actor who has found a medieval sounding solution - an almshouse - to the big squeeze. Laurie Penny is a 23 year-old recent graduate who writes for free on her blog Penny Red, and until recently was living in a house she described as a scene from 'Withnail and I.' And Pauline Black, the lead singer of the Selector, resists the charge that it was her baby boomer generation that has spent all the money and messed up the economy for everyone else. Fresh, provocative writing and fiery debate. The presenter is Dominic Arkwright, the producer Miles Warde.