Making Money

How do politicians escape accountability for their lies? Why is there wasteful spending on poorly conceived projects that aren’t based on evidence? How has a tax system been created that is more than confusing?  Ian Dunt is a political writer and commentator. He’s a columnist for the i, former Editor of Politics.co.uk and used to host the Remainiacs podcast. He has written a book called ‘How Westminster Works...and Why It Doesn’t’.  Is the UK political system broken beyond repair?  You can buy Ian’s book here: https://amzn.to/4asCi7F … Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E7 … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine  Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 does the recent history of crypto teach us about it today? FT Journalist Joshua Oliver won awards for his reporting of the collapse of FTX, the crypto exchange founded by Sam Bankman-Fried, known as SBF, who was sentenced to 25 years in prison for fraud and related crimes in March 2024. Joshua has written a book ‘Hype Machine: How Greed, Fraud and Free Money Crashed Crypto’. It covers the biggest names in cryptocurrency; how SBF became one of the most famous CEOs in the world; and why the collapse of his company rippled through the industry and led to the crypto crash of 2022. You can buy Josh’s book here: https://amzn.to/3xjRq8B Listen to part one of our crypto episodes ‘We need to talk about crypto’ here: https://link.chtbl.com/6snSImh1 This is not financial advice. Don’t invest in cryptocurrency unless you’re prepared to lose all the money you invest. You should not expect to be protected if something goes wrong.  … Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E6 … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine  Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Where is the value in cryptocurrencies like Bitcoin and Ethereum? Can they help returns without introducing too much risk? Is Bitcoin getting more stable? If you want to invest, where do you do it? Tom Rodgers is a freelance financial writer and analyst specialising in cryptocurrency. He is the former Head of Research for ETC Group, which runs the biggest Bitcoin fund in Europe. He helps us discuss all those questions and more. For more from Tom: https://chartingfutures.substack.com/ Here is the report referenced in the episode that looks at the impact of a small % of Bitcoin/Ethereum in a multi-asset portfolio: https://coinshares.com/research/a-little-bitcoin-goes-a-long-way This is not financial advice. Don’t invest in cryptocurrency unless you’re prepared to lose all the money you invest. You should not expect to be protected if something goes wrong. … Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E5 … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine  Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 today's capitalism, who truly holds the reins of power? Merryn Somerset Webb is a Senior Bloomberg columnist and former editor of Money Week. In her book Share Power, she argues we, investors, need to take back control of our votes in the companies we own. She also believes that the next decade for investors will be dramatically different to the last. You can buy Merryn’s book here: https://amzn.to/3ToHRg9 … Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E4 … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine  Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 invest in bonds? You might not realise it but you probably do. If you have a workplace pension the default is to invest you in both stocks and bonds. But is this actually the right way to build long-term wealth? Ramin Nakisa from the PensionCraft YouTube channel, and friend of the podcast, is a fan of bonds. That doesn’t mean he thinks they’re always the right choice but he believes they can be more useful than you might think. … Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E3 … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 would you do if you were scammed? Do you know what kinds of things the banks look for when evaluating if you should get your money back? Katie Morley is consumer champion for the Telegraph. She’s won back around 10 million pounds for scam and fraud victims including those who should have been protected but weren’t. Last year Damo was invited to No.10 to talk about fraud because it's such a big issue. We all know we need to be more aware of the techniques used to target us and our rights if we fall victim You can contact Katie at: katie.morley@telegraph.co.uk **You usually have up to 6 years to complain to the financial institution - then you must go to the financial ombudsman within 6 months of getting the final response to your complaint from the financial institution. For more information on time limits: https://www.financial-ombudsman.org.uk/consumers/expect/time-limits** … Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E1 … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

So many things prevent us from being productive: fear, procrastination, boredom…to just name the ones we struggle with. If you could do more with your time, what could you accomplish? Get more money, start that side hustle, or maybe just enjoy your life more? Ali Abdaal started his YouTube channel as a side hustle while he was a medical student. He now has over 5 million subscribers and makes 5 million pounds a year.. An expert in productivity, he’s literally written a book on it, the New York Times bestseller ‘Feel Good Productivity’. You can order Ali’s book here: https://amzn.to/3URBIvg … Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E1 … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 asked us: Are you shooting yourself in the foot by investing in ESG (environmental, social and governance) funds? Should you sell your Pokemon card collection to invest in index funds? -- Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus We'll be back with Season 3 next week.

You asked, we answered: Were either of our parents financially savvy or has everything been self taught? SUV at 5.49% for 60 months. Brain says pay if off or do I continue investing/saving for baby OTW? --------- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney … Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 questions are all about pensions this week: What are our thoughts on a ‘pension crisis’ for Millennials/Gen Z when retirement comes around? Should you reduce pension contributions in order to pay off debt quicker? What % of your income should you pay into your pension? We will be back with Season 3 of Making Money in a few weeks. --------- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney … Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Gary Stevenson is a former city trader who made millions from betting on growing inequality. With his Youtube Channel @GarysEconomics he now campaigns to end the very thing he made money from and he's written a book called ‘The Trading Game: A Confession’ about his experiences in finance and what drove him to leave a life where he earnt millions a year. Understanding the economic system we are in is important, in many ways it defines how much money you can make. And Gary has spent a lot of time thinking about where our economy is heading. He warns, without a tax on the super rich, wealth inequality will continue to increase, leaving the majority of us much worse off. You can order Gary’s book here: https://amzn.to/3SJGXeM … Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S2E14 … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 secret behind beating the market? It's a question many ask, but who really knows the answer? James Taylor, co-author of ‘Invested: How Three Centuries of Stock Market Advice Reshaped Our Money, Markets, and Mind’, looks at why, despite the rise of passive investing, so many people are still obsessed with active investing, outperforming the market, and how the same marketing strategies that were used all those years ago are still enticing people today. James's book: https://amzn.to/3OiSlvJ … Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S2E13 … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 all want to get paid more but how do you get a salary increase out of your company? What steps should you take to build your case before asking? And how do you approach that pay rise meeting with your manager? To help us figure out a plan, we’re speaking to HR expert Wayne Clarke, author of How to Become a World-Class Manager. Wayne’s book: https://amzn.to/3RW2YFC … Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S2E12. … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 ever look back and think where did the time go? It’s a horrible feeling, life passing you by, but it’s natural because we have to spend most of our lives operating in subconscious mode. To learn how to get what we want from life, particularly how to change career, we’re speaking with Dr Grace Lordan, author of Think Big and an Associate Professor in Behavioural Science at the London School of Economics. How do you decide what you really want, and how do you get it? Think Big on Amazon: https://amzn.to/3RTinGT … Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S2E11. … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 want financial independence by the time you're 40? 50? 60? Do you know how to get there? That’s why we started the podcast - to give you the knowledge and confidence to change your financial future. So how do you end 2024 in much better shape? Well, that’s why we’re speaking with Financial Advisor Lisa Conway-Hughes who’ll map out the key things you need to get done in 2024 to get better with money and build wealth. ... Other key episodes you can learn from: Can anyone get rich: https://www.makingmoneypodcast.co.uk/episodes/2-can-anyone-get-rich-andrew-craig-how-to-own-the-world How to budget: https://www.makingmoneypodcast.co.uk/episodes/5-how-to-budget-to-get-the-most-from-what-you-earn How to sort your pension: https://www.makingmoneypodcast.co.uk/episodes/12-how-to-sort-your-pension-and-retire-well-lisa-conway-hughes-miss-lolly How to invest in a global index fund (where Damo puts most of his money): https://www.makingmoneypodcast.co.uk/episodes/15-how-to-pick-investment-platform-and-broker Deep dive on investing: https://www.makingmoneypodcast.co.uk/episodes/14-the-one-thing-you-should-invest-in-to-beat-investors-ramin-nakisa ... Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney ... Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S2E10 Watch this episode on YouTube here: https://youtu.be/tYN6y1Qjh14 … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 asked us: Would you rather have a million pounds or five thousand pounds a month until you get to a million? What would you do if you lost all your savings and had to start again? We are going to be back in January with our full-length episodes. --------- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney … Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 asked us: What is the one key lesson we can learn from Charlie Munger’s legacy? Were either of your parents financially savvy or has everything been self taught? What are the true risks of doing nothing with money? … Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney … Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 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.  Get Paul’s book Follow The Money: https://amzn.to/41aOqXa … Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney ... Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S2E9. … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Smart people make bad decisions all the time. That’s because intelligence (IQ) has no bearing on our ability to make rational, unbiased decisions. If you can be aware of your biases and investigate your intuitions then you will make better decisions which can have a profound effect on your finances. In this episode, David Robson, author of The Intelligence Trap, lays out the key biases stopping you from getting richer - and how to combat them. You can find David's book here: http://bit.ly/3T04h8F … Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney … Newsletter If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S2E8. Watch this episode here: https://youtu.be/rcf0pGYkdxs … What's your financial health?  Take our quiz: https://makingmoneypod.scoreapp.com/ … Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Most people shouldn’t invest in single stocks - they’d be better off investing in index funds - but that doesn’t stop a lot of people trying. That’s the view of Sasha Yanshin, YouTuber, Damo’s friend and nemesis - and it’s Damo’s view too. Despite that, Sasha does invest in individual companies and Damo does keep up to 10% of his allocation for investing in specific stocks (because he enjoys it). In this episode, Sasha explains his process, as well as some best practices in case you want to chance your arm. But please be mindful of the risks and consider capping your exposure if it is something you want to try. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney … Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep20 You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Credit scores...there's a lot of misunderstanding about them. So in this episode, which is a beginner's guide to credit scores, we explain the fundamentals, how to improve them and debunk some common myths. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep19. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 average person in the UK earns … yeah, we just teased you with that, but who doesn’t want to know if they’re doing better than the person next door? In this episode we talk with Timi Merriman-Johnson, an author, creator and founder of Mr MoneyJar, a financial education charity, to get under the bonnet of wealth gaps - averages, gender, ethnicity - and to lay out some key steps to help you climb the ladder.  This episode was recorded in October 2023. The data we reference may have changed. Damo's video (What Salary Puts You In The Top 10%) is here: https://www.youtube.com/watch?v=rMo6Cxmfq1A. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep18. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 property market has changed for good but we have a lot of questions. Interest rates have soared but what does that mean for you long term? How do you navigate the mortgage crisis? What will happen to house prices? Will interest rates go down again? Is it worth getting into property investing now? To help us read the crystal ball we’re speaking to Rob Dix, a property investor and host of The Property Podcast. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep15. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Once you’ve decided to invest, you still need to pick which platform to use, and which fund to invest in from the many similar looking options. It can be very confusing - that’s what you’ve told us and we agree - so in this episode Damo explains to T how to do it. For Damo this has been 12-13 years in the making, finally getting T to take the plunge, open an ISA and pick a global index fund. Here’s how. If you want to watch the video version of this episode you can find it on our Youtube channel here: https://youtu.be/Gu66rpxjLy4 (available from 4pm on Monday the 23rd of October) -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep16. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- 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.

Deborah Meaden is a living legend in this country. Famous from her nearly two decades on Dragons’ Den, she became an entrepreneur at 19 years old. Her family didn’t have much money when she was growing up so she figured out how to get it - and grafted. Deborah explains how you should think about money, what she looks for in a business and how to teach kids about it so they can achieve their dreams. You can find Deborah's book 'Why Money Matters' here: https://amzn.to/3RXF3aB -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep15. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Everyone talks about diversification, but how diverse do you really need to be? Can you just invest in one fund? Ramin Nakisa is personal finance YouTube royalty in the UK. He’s one of the OGs who showed Damo that it can be done. But he’s also a ridiculously smart, former investment banker who left that world to teach ordinary people how to build wealth because, like us, he thinks there’s a ridiculous financial education hole in this country. Ramin walks us through some of the major assets classes, and their pros and cons - but also why one investment might just be enough for you to beat most professional investors, forever. This episode was recorded in July 2023 so some information may have changed since then.  -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep14. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 asked us: Do we step in when we see friends/family making terrible financial decisions? How does Damo plan to get to £2 million in an ISA? What is the worst stock we've ever invested in? -------------------- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- What would you like to ask us? Email makingmoney@kindling.media -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 asked us: What is the secret to quick wealth? When should you set up a limited company? Where should you store your emergency fund? Here's Damo's video where he talks about money market funds: https://www.youtube.com/watch?v=i0bBcjNyPWQ Here's Ramin Nakisa's Pensiocraft video on money market funds if you want more detail: https://www.youtube.com/watch?v=hnFnm-HPjGw&t=627s -------------------- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- What would you like to ask us? Email makingmoney@kindling.media -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 biggest questions: Is overpaying your mortgage a good investment compared to other things like a pension or an ISA? Should you transfer your ISA out of a managed fund to get out of paying a 1.5% fee? -------------------- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- What would you like to ask us? Email makingmoney@kindling.media or slide into our DMs. -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 asked us your biggest questions: Rishi Sunak says wages are driving inflation: is that really the case?  Should the government raise interest rates or taxes? What will interest rates be in 2/5 years?  -------------------- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What would you like to ask us? Email makingmoney@kindling.media or slide into our DMs. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 asked us your biggest questions: Should you stop investing in UK gilts? Is it better to save or invest right now? What do we think of AI investment tools? Here's Damo's video on cash vs investing. -------------------- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What would you like to ask us? Email makingmoney@kindling.media or slide into our DMs. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 asked us your biggest questions: What have Damo and T changed about their own approaches to personal finance since starting the pod? Do you need a financial adviser? What would you like to ask us? Email makingmoney@kindling.media or slide into our DMs. -- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 asked us your biggest questions: Has being a parent affected the kinds of decisions we make?  Where should a higher rate taxpayer who has maxed out ISAs and premium bonds put their money? What would you like to ask us? Email makingmoney@kindling.media or slide into our DMs. -- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 your biggest questions: Alfie has £45k of student debt at 7.1% interest. He asks "Should I focus on trying to take chunks off this debt, with my yearly bonus, or invest it?" Adam asks "T, what kind of work do you do in crypto? And how do you see crypto/Blockchain space in the coming years in terms of uses?" What would you like to ask us? Email makingmoney@kindling.media or slide into our DMs. -- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 your biggest questions: How do you handle finances with your partner, especially if one of you earns a lot more than the other? Can I just keep balance transferring my interest free credit cards forever? What would you like to ask us? Email makingmoney@kindling.media or slide into our DMs. -- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 your biggest questions: i) What should kids be taught about money? ii) What to do with a lump sum right now to make it grow? What would you like to ask us? Email makingmoney@kindling.media or slide into our DMs. -- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 your biggest questions: i) when should you get out of an investment? ii) why is your money not growing quickly enough? What would you like to ask us? Email makingmoney@kindling.media or slide into our DMs. -- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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 your biggest questions: i) when is enough, enough? ii) is gold a good investment? iii) will the stock market keep rising? What would you like to ask us? Email makingmoney@kindling.media or slide into our DMs. -- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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.

Test your knowledge to make sure you’re absolutely clear about the fundamentals of building wealth. We’re bringing together the basics in one episode because we’ve covered a lot in our first season. If you want to dive deeper on any topic you can check out our feed. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep13. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Most people don’t realise how much money they need to retire the way they want, nor how to build that pot. Hell, our Producer Will had opted out of his workplace pension before this podcast. To figure out what to do, we’re speaking to the wonderful Lisa Conway-Hughes, also known as Miss Lolly, who's a financial advisor and author.  -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep12. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Most people in the UK know of Kerry Katona but not many people know about the wild ride she’s had with money. This episode might not be suitable for all listeners. Kerry is incredibly open about her life and that means there are references to drugs, suicidal thoughts and violence. If you are affected by anything mentioned in this episode please call the Samaritans for free on 116 123 on or check them out at https://www.samaritans.org/.  -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep11. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Financial institutions like banks have sometimes failed, so we want to know what happens to your money if they do. It’s a legitimate fear so we’re sitting down with Emma Barrow from the Financial Services Compensation Scheme (FSCS). The FSCS are the ‘last resort’ who will pay you back your money if your bank fails, up to £85,000 per person per bank - but it’s a bit more complicated than that. Your bank has to be regulated in the UK and a bank is defined by the organisation that has a banking license which can cause problems. The FSCS don’t just cover banks though and there are plenty of important nuances, so let’s get to the bottom of it - when is your money protected? -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6. -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep10. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

1 in 4 people in the UK are in danger of falling into financial difficulties - a single shock like their car breaking down will result in them falling behind on bills or credit payments. Getting into debt can lead to a vicious cycle and massive problems - just ask Damo. He nearly went bankrupt in his 20s and in this episode he tells T for the first time how bad it got. It’s important to sort out problem debts before you can start doing wealth-building things like investing, so we explain when you’re most likely to get into debt and what to do to get out of it. You are not alone. For free advice, which we can’t recommend enough if you’ve got debt problems, please check out StepChange: https://www.stepchange.org/. By the way, Damo refers to the Consumer Credit Counselling Service in this episode. They are now called StepChange. This is the site Damo mentions (What’s The Cost) but so you know, it’s a slow and old school site: http://whatsthecost.com/. And this is our ‘how to budget’ episode (budgeting is a key tool for getting out of debt). -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6. -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep9. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 it like suddenly becoming rich? Entrepreneur Timothy, or Timo, Armoo grew up poor. But having got a scholarship to a private school, he realised there was “helicopter-level wealth” so decided to win at the “game” of getting rich by building businesses. He sold his latest company Fanbytes last year which suddenly catapulted him up the wealth ladder at 27 years old. The next day, everything felt different… -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6. -- Making Money Masterclass Sign up to the Masterclass: https://makingmoney.mykajabi.com/joinus -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep8. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Owning your home is a core part of the British identity, but does it still make financial sense? Is it actually a good investment? To find out, we’re sitting down with Jason Butler who was a financial advisor for 25 years and is now a financial wellbeing speaker, author, consultant and property investor. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6. -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep7. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Studies show that basic economic literacy means doing better with money over the long-term. So we invited Bank of England economists, Rupal Patel and Jack Meaning, round to tea to ask them the big questions: Why does inflation feel higher than it is? Is raising interest rates the best way to bring inflation down? Do politicians understand economics? Should we be optimistic about the UK's future? Thank you to everyone who sent us their questions. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6. -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep6. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

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... -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6. -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep5. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

ISAs are a godsend. Most countries don’t have a system like it. They’re basically a tax-free way to save and invest in the UK, so we’re talking to Paloma Kubiak, Editor of YourMoney.com, to find out how to use them to build wealth. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6. -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep4. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. -- 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.

Kalpana Fitzpatrick is the Senior Digital Editor of MoneyWeek and the author of a few finance books including Invest Now. She’s here to explain how to get started with investing because it’s a key wealth building tool. In fact, as we learnt in Episode 2 with Andrew Craig, it’s how most rich people became rich. So, how do you do it? Let’s find out. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6. -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep3. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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.

Andrew Craig is the author of arguably the most useful British personal finance book of all time - How To Own The World. It was the book that opened up Damo’s eyes to what’s possible, laying out the steps for building wealth. Can anyone really get rich?  Yes, you can… if you have enough time. Andrew explains how. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep2. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too.  Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. 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. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM  If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account. … 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 even the basics then it will change your life.

*The first step to building wealth is figuring out your relationship with money.* That’s why we’re speaking to Claer Barrett, the Consumer Editor of the Financial Times and author of the book What They Don’t Teach You About Money. Claer isn’t good at maths and had periods when she wasn’t good with money but she’s managed to turn that around. At the heart of that change has been her growing understanding of her money personality. This is where you should begin too. -- Sponsors Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- *We’ve added the money personalities from Claer’s book below. You need to be honest with yourself - which ones describe you?* -Spendy Wendy: could be you if you know the three numbers on the back of your bank card off by heart as you do so much online shopping -YOLO (you only live once): could be you if you have ever uttered the words ‘To the moon’ without irony - Goblin: could be you if you get more of a kick from saving money than spending it -Spreadsheet Slave: could be you if you have ever dreamed in Excel -Jitterbug: could be you if you have a constant state of underlying anxiety about money -Ostrich (stick your head in the sand): could be you if you say a silent prayer every time you tap your card to pay -- *Here are some decent budgeting tools (Damo is actually making one but it’s not ready yet) but there are loads out there which may suit you better:* -Good old fashioned spreadsheet, Excel or Google Docs -Budget planner, a free government tool: https://www.moneyhelper.org.uk/en/everyday-money/budgeting/budget-planner -You Need A Budget (YNAB), a paid for tool with all the bells and whistles: https://www.ynab.com/ -- *If you want more learnings and next steps:* Subscribe to our newsletter: https://makingmoney.email/ You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- *Let us know what you think - what would make the show better?* makingmoney@kindling.media. -- 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.

Welcome to the financial education we should've had. It's crazy we're not taught about money in the UK, but the good news is that getting good with money is no harder than learning to drive a car. What are the key steps? That's why we're here.