Making Money

The NHS now costs around £240 billion a year across the UK. We're spending more than ever before. It employs more people than ever before. So why doesn’t it feel like it’s getting Max Warner is an economist at the Institute for Fiscal Studies who specialises in health and social care. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: https://makingmoney.email/uswitch Vanta - Get your company secure and compliant: https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Marcia is a 45 year old counsellor from Birmingham. Has investing changed your life? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

The Bank of England has a key target: to keep inflation at 2%. Its main tool is interest rates. Dr Swati Dhingra is an external member of the Bank’s Monetary Policy Committee, which she joined in August 2022, making her one of just nine people who decide what that interest rate should be. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. ------- Use the ONS calculator to find out your personal inflation rate: https://www.ons.gov.uk/economy/inflationandpriceindices/articles/howisinflationaffectingyourhouseholdcosts/2022-03-23

Former trader Tom Hayes was sentenced to 14 years in prison for manipulating LIBOR, which used to be one of the world's most important interest rates. Prosecutors said Tom was the ringleader of a conspiracy to influence the rate. Tom says he was made a scapegoat for the financial crisis and that what he did was commonplace. He ended up spending five and a half years in prison before being released in 2021. Then in 2025 the Supreme Court overturned his conviction. *LIBOR has now been replaced by other benchmarks. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. —- You can listen to the BBC Lowball Tapes, which we discuss in the episode, here: https://www.bbc.co.uk/programmes/m0014wtn 

Many of us dream of retiring early, or at least having the option to. Gareth, one of our viewers, retired at just 48. But what happens when the plan you've spent years building is finally put to the test? Check out our AI financial planning tool: https://makingmoney.email/AI  🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Rob Dix says we can’t rely on the rules of the past to get the financial future we expect, and shares some new ideas for what we can do instead. Rob is a finance expert, host of The Property Podcast and has just released a new book called 'Seven Myths About Money: And The Truth About Finding Financial Freedom’.   *This episode was originally published on the 6th of January 2025* Rob’s book: ⁠https://shorturl.at/btaw 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

From performing on the streets at 16 to becoming a stand-up comedian, Stuart Goldsmith has never had a salary.  🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. —----------- You can find out more about Stuart: https://www.stuartgoldsmith.com/ IG : @stuartgoldsmithcomedy LinkedIn: www.linkedin.com/in/stuartgoldsmith —------------ If you’re self-employed, check out our episode with Tom Ashworth: https://pod.link/1674547187/episode/NzVjOGExMzYtYzVlYi0xMWYwLWIzYTctOWI0YmYyZDZlYjcz?view=apps&sort=popularity

Alasdair Walker is a financial planner but he’s also one of the people behind the popular UK Personal Finance flowchart and former moderator of the Reddit community. So we’re not exaggerating when I say he's helped millions of people make better money decisions. Check out our AI financial planning tool: https://makingmoney.email/AI  UK Personal Finance Flowchart: https://ukpersonal.finance/flowchart/  🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. —-----------

Former Premier League footballer Clarke Carlisle has spoken openly about his struggles with mental health, including five suicide attempts, but rarely about the role money played throughout his life. In this episode, Clarke reveals how money became tied to his identity and self-worth, and reflects on the financial decisions he made during and after his football career. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. -------- If you've been affected by anything in today's episode: NHS mental health: https://www.nhs.uk/mental-health/ Mind the mental health charity: https://www.mind.org.uk/information-support/ Bet Know More Gambling charity: https://www.betknowmoreuk.org/ Clarke is the Chair of Mind and works for BetKnowMore UK.

Most investors are scared about the same thing: what if I invest and the market crashes tomorrow? Ben Carlson is author of the popular investing blog A Wealth of Common Sense and Director of Institutional Asset Management at Ritholtz Wealth Management. In his new book Risk and Reward, he looks at history's biggest market crashes, and what they can teach us about investing when the future feels uncertain. With Damo recovering from his injuries, personal finance YouTuber and friend of the podcast Toby Newbatt kindly steps in to co-host alongside Timeyin. Ben’s book: https://amzn.eu/d/06cqX44V  🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. —----------- Ben’s blog: https://awealthofcommonsense.com/  Damien goes into more detail about his accident here:: ⁠https://www.youtube.com/watch?v=BKvUB0ks2BU⁠ 

*This episode was originally published in July 2024 - some facts and figures may have changed* We can’t talk enough about the pensions crisis. Most people aren’t saving enough for the life they are going to want and something has to be done about it. We cover the big questions: why is there a problem, how much we really need to be saving and will the state pension even exist when you retire? Tom McPhail is a pensions industry expert. He no longer works for finance consultancy firm Lang Cat. If you want to watch me talk about my accident: https://www.youtube.com/watch?v=BKvUB0ks2BU  🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

How should you invest in retirement? Are annuities actually a good idea again? What if you’ve only got 5 years to get to your goal? We put your biggest money questions to friend of the podcast and financial adviser Lisa Conway-Hughes. You can learn more about Lisa’s advice firm here: https://lchwealth.co.uk/most/  🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. —----------- Follow T on instagram: https://www.instagram.com/t_is_making_money/  Here are the sites Lisa said to check out when looking for a financial advisor: https://www.vouchedfor.co.uk/  and https://www.unbiased.co.uk/  And as always check if they are on the FCA register: https://www.fca.org.uk/firms/financial-services-register 

On this podcast we speak to investors, economists and money experts. But some of the most interesting perspectives come from people outside the finance industry. Today's guest is Cam, a serving soldier in the British Army and the creator of the Savvy Squaddie YouTube channel. Do you want to share your money stories on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Here's the episode with Dave: https://pod.link/1674547187/episode/ZDFjMDdlYjgtMjc5ZS0xMWYxLWI3NTUtNWIwZWVhZTJmMWY0?view=apps&sort=popularity

What would happen if someone else got access to your phone? I’d not really thought about how serious that could be until this conversation with Victoria. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. — Victoria mentioned an app and checklist she’s built after her experience, you can find it here: https://theftresponse.app/  Rules around fraud reimbursement, crypto regulation and consumer protections vary depending on the provider and the circumstances. If you've been the victim of fraud, contact your financial provider immediately and seek guidance from the relevant authorities.

One thing we've learned from interviewing hundreds of people about money is that the numbers are only part of the story. Today we’re speaking to Neil, better known as Neil Invests, not just about his portfolio, but the journey that got him there - from sleeping on his sister's floor and battling shame and depression, to building £175k in his ISA over 6 years and being planning to retire at 50.  Here’s the link to our compound interest calculator: https://makingmoney.email/compound-interest-calculator You can find Neil on Instagram and Youtube @neilinvests Listen to our episode with Toby here: https://pod.link/1674547187/episode/ZDBiOTRlMjQtZmFhZC0xMWVmLWE4NDktZmY0ZWEyMzBkMDJk 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

They say our money habits are shaped by our parents, with many of them formed before we're even seven years old. So I wanted to find out where my relationship with money really came from. To do that, I sat down with the one person who's been there from the very beginning. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Patrick Foster is a recovering addict who spent every day for 13 years gambling. It all started with a 2 pound bet... TW: This episode contains discussions of suicide and addiction, which some listeners may find distressing. If you are struggling with addiction in the UK: https://www.nhs.uk/live-well/addiction-support/ Patrick's app: https://reclaimapp.co.uk/ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Does UK politics actually work? Is the system broken? And if it is, what needs to change? We don't often do political interviews, but this felt like an important moment to have one. We spoke to political commentator Ian Dunt two years ago before Labour came to power. He correctly predicted what would happen. So we got him back on. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Modern Britain has been shaped by economic decisions. Was austerity the biggest economic mistake of the last generation? Cahal Moran is an economist and host of the YouTube channel Unlearning Economics. His latest book is Why We’re Getting Poorer (https://amzn.eu/d/0cNLJJDO). 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Ramin Nakisa from PensionCraft is back. Like me he’s spent years explaining why investing 100% in global equities works. But recently, he changed his portfolio, cutting his exposure by almost half. What changed? And what might make him change his mind again? 💬 Get personal help with your money from our AI Sorry, the retirement features aren’t quite ready yet (we had to keep that ending!) but you can still get help from our AI here: https://makingmoney.email/AI 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What’s the best kind of stock market for a new investor? Most people assume you want years of rising prices. But Andrew Clare, who’s spent decades researching investing, says that’s not always true. Here’s Andrew’s paper: https://doi.org/10.3905/jor.2025.1.180 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Megan was in her early 30s when she and her partner finally faced up to more than 14 years of debt. After years of overdrafts, credit cards and quietly spiralling finances, they confronted nearly £40,000 they owed. Megan documented their journey out of debt (@that_girl_in_debt), and now they’ve taken their first steps into investing and hope to save £40,000. Do you have your own story about money, investing, or financial mistakes? We’d love to hear it: ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

The UK has some of the most expensive household electricity in the world. Why are energy bills so high, and will they ever come down? The price you pay is shaped by rules set by Ofgem, the UK’s energy regulator. Neil Kenward is their Interim Director General of Markets. Thank you to everyone who sent in a question!  🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Chris Budd is a former financial planner who believes we’re building wealth in completely the wrong way. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. --- Click here to listen to Pete Matthew's episode with us we mention at the end: https://pod.link/1674547187/episode/YjExYWMyNmUtYmQ0Zi0xMWVmLTg0NmYtMWJiZjQ1NWRhNWJm?view=apps&sort=popularity

70% of people don’t budget which means there’s an opportunity for you to be better than most. A budget helps you navigate from the financial stage you’re at now to the one you want to get to, whatever your goal is. We’re here to find out how to budget, but first of all, let’s find out what Damo and T are wasting their money on... *This episode was originally published in May 2023 Get the budgeting spreadsheet we mentioned: https://makingmoney.email/budget-spreadsheet 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

In 1995, Nick Leeson brought down the UK’s oldest merchant bank, Barings, with £862 million in hidden losses. The final hit to Barings was £827 million, triggering one of the biggest financial collapses in history. He explains how it really happened and how things spiralled over time. Was it fear of failure, the pressure to succeed, or something deeper that kept him going? 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Can you actually afford to buy a home right now? And if you can, should you? Eddie Ross is co-founder of Tembo Money, a mortgage broker that helps first-time buyers get on the ladder. He answers your questions about affordability, how mortgages actually work today, what’s happening with LISAs and covers some of the lesser-known options that most people don’t talk about. 🏡 Here’s the link Eddie mentioned to check your affordability online: https://makingmoney.email/tembo *This episode was recorded in March 2026 and some data might have changed since then⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above (including Tembo Money), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Finance professor Mo Milevsky explains why your “human capital” (your career, income, and life choices) should shape how you invest both when you're building wealth and when in retirement and why most people are taking the wrong kind of risk. ⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Have you ever felt it is too late to start investing? Dave is 46, and he started investing at 44. He’s just managed to max out his ISA this year. How did he do it? Thank you to everyone who entered the competition, the winners have now been contacted. Thank you so much for listening and also a big thanks to Andrew Craig, the author, for kindly providing an additional five copies. Do you have a story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Will your pension actually be enough for retirement? Or are you heading for a shortfall without realising it? Al Miles is an investment actuary who has analysed the UK pension system, and found that millions of workers will fall short of what they need for retirement. But she didn’t stop there. She’s also looked at ways we can fix it. ⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Here are the papers we reference: Retirement Reimagined: https://aca.org.uk/wp-content/uploads/Retirement-reimagined-securing-lifelong-financial-independence-for-all.pdf How Much Could You Lose? https://actuaries.org.uk/media/zdhn5xl3/how-much-could-you-lose-report.pdf 

The S&P 500 once delivered 17 years of zero real returns. Could it happen again? Jim Reid is the Global Head of Macro Research at Deutsche Bank. In a recent report, The Ultimate Guide to Long-Term Investing, his team analysed data from 56 countries over 200 years. You can read the full report on the Deutsche Bank Research Institute website: https://www.dbresearch.com/PROD/RI-PROD/PDFVIEWER.calias?pdfViewerPdfUrl=PROD0000000000607211&rwnode=REPORT *All figures were correct at time of recording but may have changed. 💬 Do you have a money story you'd like to share on the podcast? https://makingmoney.email/listener-story-form⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

More than half of adults in the UK don’t have a will. So what happens if you die without one?  Sam Grice is CEO of Octopus Legacy. If you don't have a will like T, you can get one here: https://makingmoney.email/OctopusLegacy Correction: Outside of the free wills campaign, the cost for a simple will is £150, and a will with trust is £450⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above (including Octopus Legacy), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Susan wrote into us: What do you think of the ‘Die with Zero’ philosophy by Bill Perkins? I know many people who work so hard that they never get to enjoy retirement. There are three widows in my gym group in their 50s. I also know many people hoarding money in their late 70s, frightened to spend anything. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Timothy Armoo was twenty seven when he sold his company Fanbytes for tens of millions of pounds. He’s written the book he wish he’d had when he was starting out (https://amzn.eu/d/05juET3K) 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. --- If you want to listen to the episode on how to get a payrise, you can listen here: https://pod.link/1674547187/episode/M2YxYjlmNTItMGJkNC0xMWYwLWE2ZDUtODc4YzU3NDEwYzY2?view=apps&sort=popularity *Jesse Itzler is the founder of Marquis Jets not Net Jets

What if you live longer than you expect? Can you make your money last in retirement? Marianna Hunt is a personal finance specialist at Fidelity International. She’s looked at how you can actually plan for it. Here’s our compound calculator: https://makingmoney.email/compound-interest-calculator⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. I mention my video featuring Marianna - here it is: https://youtu.be/hfS9LRCOzik?si=IR8PzDmX0p9DMqzZ Fidelity's report on longevity: https://www.fidelity.com.sg/news-and-insights/the-longevity-revolution-preparing-for-a-new-reality Chapters: 00:00 - Do You Need Help With A Financial Decision? Promo 01:05: How To Live To 100 07:54 - The Chance You Live To 100 11:02 - The Longevity Problem  16:49 - Tide Ad 17:46 - Can You Work Longer? 21:17 - Making Your Money Last 24:30 - Inflation Is The Silent Killer 30:35 - What If You Can’t Work Longer? 33:41 - Vanta Ad 34:48 - How Many Are Healthy Years? 39:19 - What Kind Of Care Do You Want?  46:09 - Longevity Isn’t A Problem 51:16 - How To Prepare For Living Longer

Is slow population growth going to change your retirement? Amlan Roy is an expert in demographics and has advised governments all over the world. He says the way our population is changing is at the heart of all the big issues we’re facing today, not just pensions.  You can get Amlan’s book ‘Demographics Unravelled’ here: https://a.co/d/0gyPSQbi 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Is Age The Only Factor? 05:25 - Vanta Ad 06:30 - The Ageing Time Bomb 11:57 - Immigration As A Tool 15:20 - Tide ad 16:20 - Fertility Rates 20:27 - Staying In Work Longer 23:10 - Means-Tested State Pension 28:10 - How Much Does a 20 Year Retirement Cost? 33:00 - When Will The Problem End? 35:58 - Where Will You Retire?

Are you being misled about the state of the UK economy? What really went wrong? And how do we fix it? Vicky Pryce was a top economist inside the civil service, and worked for years in the private sector. Her latest book is Mismanaged Decline: What Politicians Won't Tell You About the Economy (https://amzn.eu/d/0kD8EVO). 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Ad - Do You Need Help With A Financial Decision?  01:07 - Why Do Politicians Lie? 11:15 - Investment 17:21 - Tide ad 18:31 - Productivity 26:25 - Austerity and Brexit 31:51 - Vanta ad 31:56 - How To Fix The UK 41:13 - How Much Waste Is There? 49:16 - The Taxpayer Always Pays 01:02:14 - What’s Going To Change It?

What if personal finance wasn’t just complicated, it was actually rigged against you, Tarun Ramadorai, professor of financial economics at Imperial College London, has advised central banks and sovereign wealth funds. And he’s co-written a book ‘Fixed: Why Personal Finance Is Broken and How to Make It Work for Everyone’. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - The System Is Fixed 12:21 - The Broken UK Mortgage Market 20:39 - Vanta Ad 21:44 - How To Fix This? 31:21 - Who This Affects The Most 39:43 - TaxZap ad 40:58 - How To Beat The Insurance Industry 51:01 - Get The Basics Right 59:45 - Financial Education Isn’t Enough 01:05:37 - The Countries We Need To Learn From

Ask anyone who the world’s best investor is, chances are, they’ll say Warren Buffett. Every move he makes makes headlines. Together with Charlie Munger, he built Berkshire Hathaway, one of the biggest names in the S&P 500. Now that he’s stepped down as CEO, we’ve invited Glen Arnold, who literally wrote the book, in fact, all four books of The Deals of Warren Buffett. 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Franchise Exhibition ad 00:40 - His First Investment 04:44 - 3 Rules 09:45 - High Reward But Low Risk 13:00 - Taxzap ad 14:15 - Charlie Munger 20:39 - Circle of Competence 26:02 - Vanta ad 27:09 - Diversification 31:45 - His Biggest Mistake? 40:13 - Barrier To Entry 46:40 - Warren Buffett’s Failure 52:11 - A Fragile Ego? 57:36 - How Would He Invest Now? 01:01:49 - Who Is The Greatest Investor?

Ben Felix has one of the few personal finance channels I watch. Chief Investment Officer at PWL Capital, he also co-hosts  the Rational Reminder podcast. We discuss the finance ‘rules’ to avoid,  why human behavior makes us bad investors, and the questions you need to ask if you want your money to support a better life. Ben also opens up about his cancer diagnosis earlier this year and how it’s changed his perspective. 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Here are the papers referenced: Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice Anarkulova, Aizhan and Cederburg, Scott and O'Doherty, Michael S.  Finding and Funding a Good Life - Ben Felix Ben’s channel: https://www.youtube.com/c/BenFelixCSIRational Reminder podcast: https://www.youtube.com/c/RATIONALREMINDER Chapters: 00:00 - Franchise Exhibition ad 00:39 - Why finance? 06:29 - Home bias 13:42 - Vanta ad 14:47 - Are you over-exposed? 17:19 - Low US returns coming? 23:06 - 4% rule  27:09 - TaxZap ad 28:23 - Rational investing? 35:00 - Investment approach 38::45 - Money and happiness 41:24 - Funding a good retirement 45:25 - Trade-offs 50:03 - When you shouldn’t save 54:52 - Cancer diagnosis 01:09:09 - Best investment advice 

To kick off the year we asked for your biggest money questions, which we're answering with financial adviser and friend of the podcast, Lisa Conway-Hughes. This is Lisa’s advice firm LCH Wealth: https://lchwealth.co.uk Set up a Financial Diagnosis Session with Lisa via her assistant Abi: abi@lchwealth.co.uk Correction: At 5:06 Lisa misspoke and said Tom would need 12-24k for 3-6 months of expenses as an emergency fund. She meant to say 6-12k (as in her example he'd have 2k expenses per month). ⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above (including Lisa's firm LCH Wealth), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Franchise Exhibition ad 00:39 - Happy New Year 03:29 - House or Pension at 30 09:56 - Rent vs Buy  15:08 - Salary Sacrifice rules have changed 16:56 - TaxZap ad 18:10 - How to derisk for retirement 22:10 - Running out of money 27:22 - How to retire early 29:37 - Pensions savings at 30/40/50 33:07 - Self-employed and pensions 38:11 - Vanta ad 39:16 - Will you get a state pension? 42:12 - Tax trick for low earners 46:45 - How to stop worrying about money? 49:55 - Know your number 54:19 - Can you spend more? 59:02 - How to pay less tax in retirement 01:02:33 - Pension or ISA? 01:04:22 - Inheritance tax 01:06:20 - Where to save to pay less tax? 01:07:15  - Basic money principles

It’s our final episode of 2025! To celebrate, we’ve brought back the hat to answer your questions. What’s been our favourite episode? Which guest completely changed our mind? And would we rather fight a duck-sized bear or a bear-sized duck? Plus, watch out for an incredible reveal from T… enjoy! 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Franchise Exhibition ad 00:39 - Our favourite episode 07:10 - Why we get along 10:35 - Vanta ad 11:39 - 2025 Proudest Moments 14:03 - 2025 Mistakes 21:08 - Long v short term 24:44 -  What we’ve changed 34:43 - TaxZap ad 36:00 - What’s changed our mind? 37:29 - Hair transplant 41:53 - What we want to do in 2026 43:22 - What if we were in charge? 49:23- Duck-sized bear or a bear-sized duck? 51:54 - 2026 market predictions 52:29 - T’s military camp experience 54:57 - 2026 resolutions

Amy is a member of the Making Money audience. Many of us have made mistakes in our investing journey but not everyone is brave enough to come on and tell us about it. This episode was first published in November 2024 If you’ve had a big financial lesson like Amy and you’d like to share it with us, email our producers Ruth and Emma at ruth@getmost.co.uk⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you don’t know Bill’s work here’s where I suggest you start:The Four Pillars of Investing: https://amzn.eu/d/hKCTHVJ  The Intelligent Asset Allocator (recommended by Jack Bogle himself): https://amzn.eu/d/6NKLjTu  The Investor’s Manifesto: https://amzn.eu/d/3kDgo57  – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Moneyweek ad01:07 - 15 years in an index fund 09:15 - Pulling out in a crash 17:58 - Taxzap ad 19:12 - Looking for advice online 29:25 - Stock picking 36:26 - Vanta ad  37:40 - Knowing when to sell 44:03 - Making mistakes 54:33 - How much money did Amy lose? 59:19 - Lessons

Most of us just want to know one thing: what’s the best way to invest? Decades ago, William J. Bernstein had the same question, so he decided to find out. That led him to become an early supporter of the simple, evidence-based approach: keeping costs low, diversifying widely, and not trying to beat the market. It’s basically the philosophy behind modern index investing and he shared it through several classic books, including The Four Pillars of Investing. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you don’t know Bill’s work here’s where I suggest you start:The Four Pillars of Investing: https://amzn.eu/d/hKCTHVJ  The Intelligent Asset Allocator (recommended by Jack Bogle himself): https://amzn.eu/d/6NKLjTu  The Investor’s Manifesto: https://amzn.eu/d/3kDgo57  – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Moneyweek Ad 01:07 - Learning How To Invest 05:07 - What To Read (And What Not To Read) 09:07 - Ignore Forecasts 12:07 - The Biggest Risk In Investing 16:59 - Vanta Ad 18:12 - Should you be in 100% Equities? 24:03 - How To Fight Inflation 29:28 - Bitcoin 32:18 - Learning From History 35:49 - TaxZap Ad 37:03 - Are Too Many People Passive? 43:50 - Don’t Invest To Get Rich 46:07 - Returns Over The Next 100 Years 49:52 - Will You Survive Retirement? 01:00:23 - Why Young People Want A Bad Stock Market

How To Own The World’ was probably the biggest influence on me getting into investing. Its author, Andrew Craig, has now released a new edition tailored for readers under 30 (https://amzn.eu/d/4QqRHdJ).  🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - The Power of Compounding 06:47 - The One Rule For Investing  10:59 - Wealth And Money 16:06 - Vanta ad 17:17 - Capitalism And Prosperity 23:21 - Index Funds  31:18 - TaxZap ad 32:34 - Saving the UK Economy 43:06 - Wealth Inequality 51:13 - Wealth And Value  54:57 - Tax Wealth or Work? 58:35 - What You Should Know at 25

Who are the winners and losers of the Budget? What happened to growth? Will the tax changes actually happen? We sat down with Helen Miller, Director of the Institute for Fiscal Studies (IFS) to answer your questions. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - What Happened? 06:00 - Doom and Gloom 09:58 - Public Services 16:13 - TaxZap Ad 17:28 - Winners and Losers 21:03 - What About Growth? 27:58 - Mansion Tax 30:23 - Vanta ad 31:34 - Will The Changes Happen? 35:34 - Freezing of Tax Bands 41:00 - Broken Manifesto Promises 44:05 - Salary Sacrifice 48:56 - Tax Complexity 53:40 - Tax Reform 59:44 - Why Don’t Politicians Listen 01:03:34 - ISAs 01:10:40 - What’s The One Thing?

Sorry there's no episode for you to get stuck into yet, that's because we're recording a special budget episode with the Director for the Institute of Fiscal Studies, Helen Miller today. We'll be uploading the episode as soon as it is done so stay tuned!

When is it the right time to open a limited company? How should you budget when you're self-employed? And how do you stay as tax-efficient as possible? You sent us your biggest questions about self-employment, so we brought in financial planner and trained accountant Tom Ashworth, who’s also helping T set up his own Ltd company, to answer them.  📞 Book a free chat with Tom: https://makingmoney.email/chat-with-tom 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 – Sole Trader vs Ltd Company 06:21 – Making Tax Digital 09:42 – Setting Up a Ltd Company 13:44 – TaxZap ad 14:58 – Budgeting 23:03 – T-Unlimited Ltd? 25:32 – Investing 28:24 – Expenses 33:47 – Pay Less Tax 36:09 – Vanta Ad 37:19 – Family Member as Shareholder 42:05 – Stocks & Shares ISA or SIPP? 55:01 – Feeling Worried? 38:08 – How 8.75% Tax Works on £100k Income 43:20 – Stocks & Shares ISA or SIPP? 54:03– Feeling Worried?

Nearly half of working-age people are saving nothing for retirement — so what’s gone wrong, and what changes are coming? We sat down with Pensions Minister Torsten Bell at the Pensions UK conference in Manchester to unpack the government’s plan. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. 00:00 - We’ve got to finish the job 05:17 - 45% of people aren’t saving for retirement 08:20 - We can’t get complacent 10:53 - TaxZap ad 11:52 - Big changes are coming 16:36 - Does the pensions industry have a problem? 21:09 - Should your pension be invested in the UK? 24:29 - Vanta ad 25:39 - What age will you get a state pension? 30:47 - Is the triple lock putting future retirements at risk? 33:42 - What will happen over the next 5 years? 35:08 - What we thought about the Pensions Minister 

We’re living longer, saving too little, and the state pension’s under pressure. So, can we actually afford to retire in the future?  Our favourite pensions expert Tom McPhail joins us to chat through what’s changing in the current pension system, what’s not, and what it all means for your future. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - We’re at a crisis point  05:56 - Is it too late? 10:42 - Is change even possible? 13:16 - What could change today? 18:50 - Vanta ad 20:00- Who doesn’t have enough to retire? 23:40 - Will consolidating schemes benefit you? 29:50 - Have you lost a pension pot? 34:25 - TaxZap ad 35:34 - Should the government force schemes to invest in the UK? 43:58 - Is the state pension a ticking time bomb? 53:05 - What actually gets people to save more? 55:35 - Why the triple lock needs to go 58:38 - What’s coming in the Autumn Budget?

The ‘AI Bubble’? The ‘Everything Bubble’?...Is the stock market actually overvalued? And what should you do about it? We’re in Manchester this week,  joined by local friend of the podcast and YouTuber Toby Newbatt for a deep dive into markets. Be one of the first to test our new financial guidance AI (don't worry, we're not robot overlords yet) : https://getmost.co.uk/chat 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

The free market hasn’t made us free — that’s the case Nobel Prize-winning economist Joseph Stiglitz makes in his latest book 'The Road to Freedom'. So how do we fix it? 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Maybe being good with money isn’t about never making mistakes — it’s about learning from them. Jessica McGawley helps ultra-wealthy parents teach their kids about resilience and responsibility — lessons she says every family needs to learn too. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Why aren’t we taught about money — and who benefits from keeping it that way? Abigail Foster wants to fix the UK’s financial literacy problem. A trained accountant, she’s built a massive Instagram following (@abigailrosefoster) and taught over 50,000 schoolchildren through her company Elent. She’s now written a book, The Money Manual — but despite working with institutions like HMRC and the Treasury, she’s frustrated by how little has actually changed. Be one of the first people to test our new financial guidance AI: https://getmost.co.uk/chat 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Are tax rises on the way? With taxes already at record highs but public services still under strain, the government faces tough choices. Helen Miller, the new director of the IFS (Institute for Fiscal Studies), warns that politicians aren’t being honest with voters and makes the case for bold tax reform. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Around 70% of people have no retirement plan, and most aren’t saving enough, says Joe Dabrowski, Deputy Director of Policy at Pensions UK. They are the people behind the Retirement Living Standards, which outline the annual cost of a minimum, moderate, or comfortable retirement. Here’s our pension provider cheat sheet: https://makingmoney.email/pension-cheat-sheet  🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What happens if you start investing late? Georgie Frost was in significant debt in her 20s and had only £1,500 in her pension at 31. Now she’s Editor-at-Large at Times Money Mentor and one of the hosts of the Daily Mail’s This Is Money podcast. 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Whenever you see long-term stock market averages quoted, chances are they come from Elroy Dimson’s research. Together with Mike Staunton and Paul Marsh, Dimson co-authored The Triumph of the Optimists, the landmark study of 101 years of global investment returns—now expanded to cover more than 125 years of market history. He also helped create the FTSE 100 Index and advised Norway’s sovereign wealth fund. So, what does their research tell us about future returns? Can we really trust the numbers? And is American exceptionalism over? Here’s our compound calculator: https://makingmoney.email/compound-interest-calculator Here’s the video I made that Elroy talks about in the episode: I Analysed 100 Years of Index Funds, This Is What I Found 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

It’s our 100th episode—has the podcast changed how we invest? What was our favourite episode? Who’s taller? We’re picking your questions out of a hat and answering some from past guests, including Meaningful Money’s Pete Matthew and Toby Newbatt. 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Is gold a good investment? It recently hit its highest price in real terms since the 1980s, but is it worth it? Ramin Nakisa is host of Pensioncraft and a friend of the podcast.  *We made a small mistake in that episode, 920 is 22 carat not 20! 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Are you making the most of your pension? Most people aren’t — and it could be costing them thousands. Journalist Alice Guy is former Head of Pensions at Interactive Investor and a qualified chartered accountant. She breaks down how to get the most from your DC pension: from salary sacrifice and tax relief, to checking out how you’re invested and boosting your long-term pot.  Here’s our pension provider cheat sheet: https://makingmoney.email/pension-cheat-sheet  If you have a DB pension listen to our episode with expert Peter Lawlor: https://makingmoney.email/DB-pensions  💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Can AI boost living standards like the Industrial Revolution did—or will it be humanity’s last invention? Andrew Leigh is an economist, Australian MP and author of ‘The Shortest History of Economics’ (https://shorturl.at/pT8Wy). 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Are you teaching your children the right things about money? What is the impact of poor financial education? Do children who are paid for chores fail to learn responsibility? Louise Hill is the co-founder and CEO of GoHenry, a financial education app that helps children and teenagers manage their money. 📩 80% of what you need to know about personal finance on 2 pages: https://tr.ee/eI-IYXlBn6 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What happens when the market changes — and you don’t? Can sticking to your strategy be the biggest risk of all? What can we learn from investors who failed to adapt? Tim Harford is an economist, journalist, author of books such as ‘How To Make The World Add Up’ and host of The Cautionary Tales podcast. 📈 Here’s my free investing course: https://makingmoney.email/investing-course-audio 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Vicky Reynal is a financial psychotherapist who deals with a wide range of issues, from overspending to money secrets and self-sabotage. Her book, ⁠Money on Your Mind⁠ looks at how we can develop a better relationship with money, because it pervades everything we do. *Warning: We discuss some issues in the episode such as anorexia that some listeners might find it difficult listening to* This episode was first published in September 2024 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Do you and your partner disagree when it comes to investing? Are you a saver while they’re a spender — or is it the other way around? Does a 50/50 split feel unfair? Sara Jane Maxwell is a financial coach and founder of Wealth Coach, where she helps individuals and couples work through their money-related issues. Share your visualisation in a comment, and find out more about Sara’s work here: https://www.wealth-coach.co.uk 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Is buy-to-let dead in the UK - and should it be? Rob Dix, one of the founders of Property Hub and both a landlord and tenant, breaks down how various factors have reshaped the market. With landlord numbers falling and returns fading, what role should property play in the UK’s — and investors’ — future? ➕ You can grab Rob’s free tools, including the calculator here: https://www.propertyhub.net/money 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

As you know, we’re big fans of passive investing — it’s simple, low-cost, and it works. But with passive funds now making up nearly 60% of US stock funds, what has that done to the market? Dimitri Vayanos is Professor of Finance at the London School of Economics and co-author of the award-winning paper Passive Investing and the Rise of Mega Firms. Read Dimitri’s paper here: https://personal.lse.ac.uk/vayanos/Papers/PIRMF_RFSf.pdf 📈Here’s my free investing course: https://makingmoney.email/investing-course-audio 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Do you have a Defined Benefit (DB) pension but not quite sure how it works? Is there a way to retire early in a DB scheme? Is transferring out ever really worth it? Financial adviser Peter Lawlor, from Expert Pensions Advice, has over 30 years of experience and breaks it all down. You can book a free call with Peter here: https://calendly.com/peter-1138/60min Or you can email him here: peter@expertpensions.com 🧑‍💻DB Pension Decoder - free guide to figure out the value of your pension https://makingmoney.email/DB-decoder-audio 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Is getting a prenup just for the ultra-rich? What if it’s just smart planning for everyone? Family lawyer Ursula Danagher says financial conversations early in a relationship could save you big time later. From protecting your pension to avoiding costly legal battles, this is advice every couple should hear. Ursula's details: https://www.spencer-west.com/team/ursula-danagher/ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Is a wealth tax the answer to fixing an unfair tax system? Tax expert Dan Neidle says no — and reveals why wealth taxes don’t work, how a land tax could be fairer, what real reform would look like, and why no politician has the guts to do it. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What’s really going on with the global economy? Is the U.S. heading for a recession — and could the UK be among the worst hit? Anatole Kaletsky, Chief Economist at Gavekal and author of Capitalism 4.0, argues that both the U.S. and UK are stuck in outdated, pre-2008 economic thinking. He warns of a U.S. recession before year-end, a potential fiscal crisis in the UK, and a major shift in global economic power. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What can history teach us about investing? Is there a right way? Russell Napier—financial historian, author of The Anatomy of the Bear, and founder of the Library of Mistakes—shares what centuries of market behavior reveal about asset allocation, financial repression, and why even the smartest investors get it wrong. 📖 Here’s my free investing course if you don’t fancy reading all the books https://makingmoney.email/investing-course-audio 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Living standards have stalled — you're worse off than 20 years ago. How do we fix it? David Willetts is a Conservative Member of the House of Lords and President of the Resolution Foundation, where he looks at intergenerational fairness, the theme of his book The Pinch. One of the foundation’s more controversial ideas? Capping ISAs at £100k.  💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What are annuities and are they worth it in 2025? With interest rates rising, annuities, which give you a guaranteed retirement income, have been making a comeback. Mark Ormston from Retirement Line, one of the UK’s leading annuity brokers, explains how they work, what returns you can expect and whether they make sense for your pension strategy. ✖️ Check out this annuities calculator Mark gave us to see what you can get⁠https://makingmoney.email/annuities-calculator 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠- If you purchase a product or service using one of the links above (including Retirement Line), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Why isn’t the UK growing — and can it be fixed? Venture capitalist Jon Moynihan, appointed to the House of Lords by Liz Truss, lays out his case for what’s holding Britain back. In his two-volume work Return to Growth: How to Fix the Economy, he argues the UK needs lower taxes, less regulation, and a smaller state to return to prosperity. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What if the market crashes or a recession hits just as you stop working — could you afford it? Financial planner George Agan breaks down the risks many people overlook when planning for retirement. We discuss how much you might really need, why rules of thumb like the 4% rule can fall short, and what to do if returns don’t go as expected. 🗝️ Want George's help planning your retirement? This is his firm: https://fcadvice.co.uk/about-us/meet-the-team/george-agan/⁠ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ ❓Survey - how are you saving for your future? ⁠⁠⁠https://makingmoney.email/survey⁠⁠⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠ Xero accountancy software - get 90% off for 6 months: ⁠⁠⁠https://referrals.xero.com/makingmoney ⁠ ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above (including George's firm), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We answer some of your top investing questions. We’ve seen massive drops this year—are we in for another crash? What should you do when the market is volatile? What’s the easiest way to invest in gold? How should you approach investing vs saving? Watch our free webinar on how to invest a lump sum💰   https://makingmoney.email/lump-sum-recording 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What is going on with the world's economy? It all started way before 2025 says Ha-Joon Chang, one of the world’s leading economists. He joins us to unpack the deeper causes of today’s instability and inequality. Get Edible Economics here: https://shorturl.at/kZM7f 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

*This episode was published in December 2023* It feels like we pay a lot of tax in the UK but is that really true? Where do our taxes actually go? Are they wasted? And are we going to have to pay more in the future? Paul Johnson is the Director of the insanely well respected Institute for Fiscal Studies and in this episode he explains how we’ve got into this pickle, how we can get out of it - and why our feelings about paying too much tax might not be rooted in reality.  Paul’s book Follow The Money: https://amzn.to/41aOqXa 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What happens if you die tomorrow? Do you have a will? 60% of people don’t — creating legal and emotional chaos. Meanwhile, 1 in 3 Brits are relying on inheritance to fund their future. It’s no surprise inheritance disputes are rising fast. Martin Holdsworth, a lawyer with 20 years' experience, explains why — and how to avoid them. Martin's firm is IDR Law: https://idrlaw.co.uk/ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above (including Martin's firm IDR Law), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Do you think you're paid fairly? Yota Trom says you're probably not, but how do you get a pay rise? Yota's a career coach who's built a system that's already helped over 500 people climb the ladder - including taking one client from £35k to £150k in 2.5 years. Here's how you can do it too. 🤝Want Yota's help getting what you’re worth? Apply for 1:1 coaching: https://www.yotatrom.com/mm-coaching Join her accelerator (group coaching): https://www.yotatrom.com/mm-rise Free workbook to figure out your real value: https://yota-trom.kit.com/workbook 📈 Get a free email summary so you can do what Yota suggested https://makingmoney.email/yota-newsletter 😜 Do T a flavour and follow his Insta: @t_is_makingmoney https://www.instagram.com/t_is_making_money/ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above (including Yota's company), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

From housing to wages to stability – younger generations are facing a very different situation to their parents. Were the baby boomers just in the right place at the right time, or have they shaped the system in their favour? We're learning from YouTuber Tom Nicholas(@Tom_Nicholas) who's made a feature-length film called Boomers: The Rise of the Gerontocracy. Watch the film: https://go.nebula.tv/boomers?ref=tomnicholas 📩 Get the free newsletter on sorting your pension we mention at the end https://makingmoney.email/pension-tom-nicholas 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Is AI going to solve our productivity problem? Diane Coyle is an Economist and Professor at the University of Cambridge where she looks at the economic impact of the digital economy, including artificial intelligence. Her new book is called ‘The Measure of Progress: Counting What Really Matters’ (https://shorturl.at/PuHgF). 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Can anyone learn to be good at investing? Toby Newbatt, a personal finance YouTuber (@TobyNewbatt), certainly thinks so. When he first started investing, he knew next to nothing and definitely made some mistakes. But over time, he taught himself what he needed to know—even reading over 40 books on the subject! 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

How often do you question your money habits or what your saving or investing for? Anne-Laure Le Cunff is a neuroscientist and author of Tiny Experiments and she thinks we need to question whether our financial goals are really what we want. (https://profilebooks.com/work/tiny-experiments/). 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What is happening to China? With a massive property market collapse, unsustainable levels of debt, and widespread data manipulation, is this the end of growth for the world’s second-largest economy? And what steps should we take to protect ourselves from a country that doesn’t play by the rules? Ian Williams spent over 20 years as a foreign correspondent covering China. He has written a book titled Vampire State: The Rise and Fall of the Chinese Economy. Get Ian’s book: https://birlinn.co.uk/product/vampire-state/ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

The wealth transfer from baby boomers to their children is set to be the largest in history. This has created an unfair system—where parental wealth is the main determinant of success in life—says generational historian Dr Eliza Filby. She has written a book called Inheritocracy: It’s Time to Talk About the Bank of Mum and Dad. She travelled around the UK to explore who wins, who loses, and what we should be doing about it. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ ❓Survey - how are you saving for your future? ⁠⁠⁠https://makingmoney.email/survey⁠⁠⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠ Xero accountancy software - get 90% off for 6 months: ⁠⁠⁠https://referrals.xero.com/makingmoney ⁠ ⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We often focus on companies like Tesla or ARM, but we rarely think about the materials that make their technology possible. Ed Conway is the Economics Editor for Sky News and author of Material World: A Substantial Story of Our Past and Future. Where does the battery in your phone or an electric vehicle come from? Why are materials like lithium and copper so critical to achieving net-zero? These aren't just commodities; they are the fundamental building blocks of the technologies that shape our world and our future.  🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠ - If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What will the next year bring for global markets? What impact will Donald Trump’s tariffs have? Will inflation rise? Katie Martin is a markets columnist for the FT and host of the Unhedged podcast. We often discuss how long-term investors must be prepared to weather economic cycles. If you haven’t experienced a market crash yet, Katie believes this year might put your resilience to the test. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

A personal-finance obsessed former jazz musician, who speaks eight languages, and now runs one of the most successful education businesses in the country, Olly Richards (@storylearning) is the perfect example of why you should never stop learning. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Do you have a workplace pension? If so, there's a good chance it's with Nest, one of the UK’s largest pension schemes, with over 13 million members. We're speaking with Paul Todd, the COO of Nest Invest, to understand how they invest all that money. Are they delivering? And why did they remove the option for a 100% equities fund? Do you have something you want to say Nest? If you're a member, you can contact them through your account, or you can use the contact us section of their website. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We answer all your biggest questions for 2025: How do you know if you’re on track with your finances? How much do you need for retirement? What to look for in a pension fund? How to diversify to reduce risk? Email us your questions: makingmoney@getmost.co.uk. 📧 Get the free newsletter series we mentioned And other guides on personal finance: https://linktr.ee/makingmoneypod 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What will the world look like in 2050? Will the US remain the largest economy, or will China or India take the lead? Can AI solve the challenges posed by an ageing population? And will asset prices deliver the returns we expect? Hamish McRae, an economics columnist for The i and the Mail on Sunday, is the author of The World in 2050: How to Think About the Future. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Your pension should be your top priority this year. Tom McPhail, pensions expert at The Lang Cat and former Head of Policy at Hargreaves Lansdown, explains how to calculate what you’ll need to retire, whether you can count on a state pension, and maximise returns without extra contributions. This is what we think you need to get your pension sorted out.  Our previous episode with Tom is called ' Will you be hit by the pensions crisis?' listen here: https://open.spotify.com/episode/6gJm3v9d9K6cEiAzcfI8Z9?si=5fae24feba054ca3 📧 Get the free newsletter series Damo mentions Learn how to build long-term wealth in the UK: https://makingmoney.email/series-tom-audio 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Your career and earnings massively impact your financial future, but with skills fast becoming obsolete, how can we make sure we succeed? Helen Tupper, author of The Squiggly Career, suggests ditching the career ladder mindset - progress and more pay can come from moving sideways, not just up. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ ❓Survey - how are you saving for your future? ⁠⁠⁠https://makingmoney.email/survey⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Looking to sort your financial life out in 2025? Financial advisor and podcast favourite Lisa Conway-Hughes shares a bunch of small changes that could make a big difference to your financial future. 🤝 Want Lisa's help planning your finances? Check out her services here: https://lchwealth.co.uk/⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above (including Lisa's firm, LCH Wealth), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Rob Dix says we can’t rely on the rules of the past to get the financial future we expect, and shares some new ideas for what we can do instead. Rob is a finance expert, host of The Property Podcast and has just released a new book called 'Seven Myths About Money: And The Truth About Finding Financial Freedom’.   Rob’s book: https://shorturl.at/btaw 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Pete Matthew believes our mindset about money shapes every decision we make with it. Without the right attitude and perspective, even the best financial plans can fall apart. So Pete, a Chartered Financial Planner and Founder and host of Meaningful Money, asks - how can we avoid making the wrong decisions? ✉️ 80% of personal finance on 2 pages Get guide: https://makingmoney.email/80-guide-pete-matthew 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.