Making Money

It's been a few days since the Budget, so there’s been time to get past the headlines and work out what it actually means for you. Timeyin couldn't join me today, so it’s just me and Helen Miller, who's the Director of the Institute for Fiscal Studies (IFS). They're widely seen as the independent referee when it comes to government tax and spending. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to…

We're talking to the Director of the Institute for Fiscal Studies, Helen Miller, this morning so stay tuned for that conversation later today!

Two of the biggest economic shocks we've seen in recent years have come from wars: Russia's invasion of Ukraine and the conflict in the Middle East. But what does that actually mean for you? How can conflicts happening thousands of miles away affect the cost of your mortgage, the value of your investments, or even how much you pay in tax? Duncan Weldon is an economist and historian who's spent years studying the relationship between war and the economy. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you.…

As more of us invest in index funds, is that a good thing? Tim Edwards from S&P Dow Jones Indices, the company behind the S&P 500, joins us to explore whether trying to beat the market pays off, and reveals fascinating data on the cost of waiting for the next stock market crash. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own…

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

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

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

Former trader Tom Hayes was sentenced to 14 years in prison for manipulating LIBOR, which used to be one of the world's most important interest rates. Prosecutors said Tom was the ringleader of a conspiracy to influence the rate. Tom says he was made a scapegoat for the financial crisis and that what he did was commonplace. He ended up spending five and a half years in prison before being released in 2021. Then in 2025 the Supreme Court overturned his conviction. *LIBOR has now been replaced by other benchmarks. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason…

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

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

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

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

Former Premier League footballer Clarke Carlisle has spoken openly about his struggles with mental health, including five suicide attempts, but rarely about the role money played throughout his life. In this episode, Clarke reveals how money became tied to his identity and self-worth, and reflects on the financial decisions he made during and after his football career. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice,…

Most investors are scared about the same thing: what if I invest and the market crashes tomorrow? Ben Carlson is author of the popular investing blog A Wealth of Common Sense and Director of Institutional Asset Management at Ritholtz Wealth Management. In his new book Risk and Reward, he looks at history's biggest market crashes, and what they can teach us about investing when the future feels uncertain. With Damo recovering from his injuries, personal finance YouTuber and friend of the podcast Toby Newbatt kindly steps in to co-host alongside Timeyin. Ben’s book: https://amzn.eu/d/06cqX44V 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results.…

*This episode was originally published in July 2024 - some facts and figures may have changed* We can’t talk enough about the pensions crisis. Most people aren’t saving enough for the life they are going to want and something has to be done about it. We cover the big questions: why is there a problem, how much we really need to be saving and will the state pension even exist when you retire? Tom McPhail is a pensions industry expert. He no longer works for finance consultancy firm Lang Cat. If you want to watch me talk about my accident: https://www.youtube.com/watch?v=BKvUB0ks2BU 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees…

How should you invest in retirement? Are annuities actually a good idea again? What if you’ve only got 5 years to get to your goal? We put your biggest money questions to friend of the podcast and financial adviser Lisa Conway-Hughes. You can learn more about Lisa’s advice firm here: https://lchwealth.co.uk/most/ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with…

On this podcast we speak to investors, economists and money experts. But some of the most interesting perspectives come from people outside the finance industry. Today's guest is Cam, a serving soldier in the British Army and the creator of the Savvy Squaddie YouTube channel. Do you want to share your money stories on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want…

What would happen if someone else got access to your phone? I’d not really thought about how serious that could be until this conversation with Victoria. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it…

One thing we've learned from interviewing hundreds of people about money is that the numbers are only part of the story. Today we’re speaking to Neil, better known as Neil Invests, not just about his portfolio, but the journey that got him there - from sleeping on his sister's floor and battling shame and depression, to building £175k in his ISA over 6 years and being planning to retire at 50. Here’s the link to our compound interest calculator: https://makingmoney.email/compound-interest-calculator You can find Neil on Instagram and Youtube @neilinvests Listen to our episode with Toby here: https://pod.link/1674547187/episode/ZDBiOTRlMjQtZmFhZC0xMWVmLWE4NDktZmY0ZWEyMzBkMDJk 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember…

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

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

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

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

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

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

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

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

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

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

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

Can you actually afford to buy a home right now? And if you can, should you? Eddie Ross is co-founder of Tembo Money, a mortgage broker that helps first-time buyers get on the ladder. He answers your questions about affordability, how mortgages actually work today, what’s happening with LISAs and covers some of the lesser-known options that most people don’t talk about. 🏡 Here’s the link Eddie mentioned to check your affordability online: https://makingmoney.email/tembo *This episode was recorded in March 2026 and some data might have changed since then⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above (including Tembo Money), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may…

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

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

Will your pension actually be enough for retirement? Or are you heading for a shortfall without realising it? Al Miles is an investment actuary who has analysed the UK pension system, and found that millions of workers will fall short of what they need for retirement. But she didn’t stop there. She’s also looked at ways we can fix it. ⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a…

The S&P 500 once delivered 17 years of zero real returns. Could it happen again? Jim Reid is the Global Head of Macro Research at Deutsche Bank. In a recent report, The Ultimate Guide to Long-Term Investing, his team analysed data from 56 countries over 200 years. You can read the full report on the Deutsche Bank Research Institute website: https://www.dbresearch.com/PROD/RI-PROD/PDFVIEWER.calias?pdfViewerPdfUrl=PROD0000000000607211&rwnode=REPORT *All figures were correct at time of recording but may have changed. 💬 Do you have a money story you'd like to share on the podcast? https://makingmoney.email/listener-story-form⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is…

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

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

Timothy Armoo was twenty seven when he sold his company Fanbytes for tens of millions of pounds. He’s written the book he wish he’d had when he was starting out (https://amzn.eu/d/05juET3K) 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything…

What if you live longer than you expect? Can you make your money last in retirement? Marianna Hunt is a personal finance specialist at Fidelity International. She’s looked at how you can actually plan for it. Here’s our compound calculator: https://makingmoney.email/compound-interest-calculator⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything…

Is slow population growth going to change your retirement? Amlan Roy is an expert in demographics and has advised governments all over the world. He says the way our population is changing is at the heart of all the big issues we’re facing today, not just pensions. You can get Amlan’s book ‘Demographics Unravelled’ here: https://a.co/d/0gyPSQbi 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to…

Are you being misled about the state of the UK economy? What really went wrong? And how do we fix it? Vicky Pryce was a top economist inside the civil service, and worked for years in the private sector. Her latest book is Mismanaged Decline: What Politicians Won't Tell You About the Economy (https://amzn.eu/d/0kD8EVO). 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As…

What if personal finance wasn’t just complicated, it was actually rigged against you, Tarun Ramadorai, professor of financial economics at Imperial College London, has advised central banks and sovereign wealth funds. And he’s co-written a book ‘Fixed: Why Personal Finance Is Broken and How to Make It Work for Everyone’. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As…

Ask anyone who the world’s best investor is, chances are, they’ll say Warren Buffett. Every move he makes makes headlines. Together with Charlie Munger, he built Berkshire Hathaway, one of the biggest names in the S&P 500. Now that he’s stepped down as CEO, we’ve invited Glen Arnold, who literally wrote the book, in fact, all four books of The Deals of Warren Buffett. 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The…

Ben Felix has one of the few personal finance channels I watch. Chief Investment Officer at PWL Capital, he also co-hosts the Rational Reminder podcast. We discuss the finance ‘rules’ to avoid, why human behavior makes us bad investors, and the questions you need to ask if you want your money to support a better life. Ben also opens up about his cancer diagnosis earlier this year and how it’s changed his perspective. 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your…

To kick off the year we asked for your biggest money questions, which we're answering with financial adviser and friend of the podcast, Lisa Conway-Hughes. This is Lisa’s advice firm LCH Wealth: https://lchwealth.co.uk Set up a Financial Diagnosis Session with Lisa via her assistant Abi: abi@lchwealth.co.uk Correction: At 5:06 Lisa misspoke and said Tom would need 12-24k for 3-6 months of expenses as an emergency fund. She meant to say 6-12k (as in her example he'd have 2k expenses per month). ⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above (including Lisa's firm LCH Wealth), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not…

It’s our final episode of 2025! To celebrate, we’ve brought back the hat to answer your questions. What’s been our favourite episode? Which guest completely changed our mind? And would we rather fight a duck-sized bear or a bear-sized duck? Plus, watch out for an incredible reveal from T… enjoy! 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building…

Amy is a member of the Making Money audience. Many of us have made mistakes in our investing journey but not everyone is brave enough to come on and tell us about it. This episode was first published in November 2024 If you’ve had a big financial lesson like Amy and you’d like to share it with us, email our producers Ruth and Emma at ruth@getmost.co.uk⁠⁠⁠ 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you don’t know Bill’s work here’s where I suggest you start:The Four Pillars of Investing: https://amzn.eu/d/hKCTHVJ The Intelligent Asset Allocator (recommended by Jack Bogle himself): https://amzn.eu/d/6NKLjTu The Investor’s Manifesto: https://amzn.eu/d/3kDgo57 – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no…

Most of us just want to know one thing: what’s the best way to invest? Decades ago, William J. Bernstein had the same question, so he decided to find out. That led him to become an early supporter of the simple, evidence-based approach: keeping costs low, diversifying widely, and not trying to beat the market. It’s basically the philosophy behind modern index investing and he shared it through several classic books, including The Four Pillars of Investing. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you don’t know Bill’s work here’s where I suggest you start:The Four Pillars of Investing: https://amzn.eu/d/hKCTHVJ The Intelligent Asset Allocator (recommended by Jack Bogle himself): https://amzn.eu/d/6NKLjTu The Investor’s Manifesto: https://amzn.eu/d/3kDgo57 – If you purchase a product or service using one of the links above, we may receive a commission. There will…

How To Own The World’ was probably the biggest influence on me getting into investing. Its author, Andrew Craig, has now released a new edition tailored for readers under 30 (https://amzn.eu/d/4QqRHdJ). 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your…

Who are the winners and losers of the Budget? What happened to growth? Will the tax changes actually happen? We sat down with Helen Miller, Director of the Institute for Fiscal Studies (IFS) to answer your questions. 🎉 Sponsors: Uswitch - See if you can save by switching to solar: ⁠⁠https://makingmoney.email/uswitch⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more…