Making Money

What can history teach us about investing? Is there a right way? Russell Napier—financial historian, author of The Anatomy of the Bear, and founder of the Library of Mistakes—shares what centuries of market behavior reveal about asset allocation, financial repression, and why even the smartest investors get it wrong. 📖 Here’s my free investing course if you don’t fancy reading all the books https://makingmoney.email/investing-course-audio 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 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 Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Living standards have stalled — you're worse off than 20 years ago. How do we fix it? David Willetts is a Conservative Member of the House of Lords and President of the Resolution Foundation, where he looks at intergenerational fairness, the theme of his book The Pinch. One of the foundation’s more controversial ideas? Capping ISAs at £100k. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 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 Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What are annuities and are they worth it in 2025? With interest rates rising, annuities, which give you a guaranteed retirement income, have been making a comeback. Mark Ormston from Retirement Line, one of the UK’s leading annuity brokers, explains how they work, what returns you can expect and whether they make sense for your pension strategy. ✖️ Check out this annuities calculator Mark gave us to see what you can get⁠https://makingmoney.email/annuities-calculator 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form ⁠ 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠- If you purchase a product or service using one of the links above (including Retirement Line), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Why isn’t the UK growing — and can it be fixed? Venture capitalist Jon Moynihan, appointed to the House of Lords by Liz Truss, lays out his case for what’s holding Britain back. In his two-volume work Return to Growth: How to Fix the Economy, he argues the UK needs lower taxes, less regulation, and a smaller state to return to prosperity. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What if the market crashes or a recession hits just as you stop working — could you afford it? Financial planner George Agan breaks down the risks many people overlook when planning for retirement. We discuss how much you might really need, why rules of thumb like the 4% rule can fall short, and what to do if returns don’t go as expected. 🗝️ Want George's help planning your retirement? This is his firm: https://fcadvice.co.uk/about-us/meet-the-team/george-agan/⁠ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above (including George's firm), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We answer some of your top investing questions. We’ve seen massive drops this year—are we in for another crash? What should you do when the market is volatile? What’s the easiest way to invest in gold? How should you approach investing vs saving? Get my free course on investing in index funds 📨 ⁠https://makingmoney.email/investing-course-audio Watch our free webinar on how to invest a lump sum💰 https://makingmoney.email/lump-sum-recording 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What is going on with the world's economy? It all started way before 2025 says Ha-Joon Chang, one of the world’s leading economists. He joins us to unpack the deeper causes of today’s instability and inequality. Get Edible Economics here: https://shorturl.at/kZM7f 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

*This episode was published in December 2023* It feels like we pay a lot of tax in the UK but is that really true? Where do our taxes actually go? Are they wasted? And are we going to have to pay more in the future? Paul Johnson is the Director of the insanely well respected Institute for Fiscal Studies and in this episode he explains how we’ve got into this pickle, how we can get out of it - and why our feelings about paying too much tax might not be rooted in reality. Paul’s book Follow The Money: https://amzn.to/41aOqXa 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What happens if you die tomorrow? Do you have a will? 60% of people don’t — creating legal and emotional chaos. Meanwhile, 1 in 3 Brits are relying on inheritance to fund their future. It’s no surprise inheritance disputes are rising fast. Martin Holdsworth, a lawyer with 20 years' experience, explains why — and how to avoid them. Martin's firm is IDR Law: https://idrlaw.co.uk/ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above (including Martin's firm IDR Law), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Do you think you're paid fairly? Yota Trom says you're probably not, but how do you get a pay rise? Yota's a career coach who's built a system that's already helped over 500 people climb the ladder - including taking one client from £35k to £150k in 2.5 years. Here's how you can do it too. 🤝Want Yota's help getting what you’re worth? Apply for 1:1 coaching: https://www.yotatrom.com/mm-coaching Join her accelerator (group coaching): https://www.yotatrom.com/mm-rise Free workbook to figure out your real value: https://yota-trom.kit.com/workbook 📈 Get a free email summary so you can do what Yota suggested https://makingmoney.email/yota-newsletter 😜 Do T a flavour and follow his Insta: @t_is_makingmoney https://www.instagram.com/t_is_making_money/ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above (including Yota's company), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

From housing to wages to stability – younger generations are facing a very different situation to their parents. Were the baby boomers just in the right place at the right time, or have they shaped the system in their favour? We're learning from YouTuber Tom Nicholas(@Tom_Nicholas) who's made a feature-length film called Boomers: The Rise of the Gerontocracy. Watch the film: https://go.nebula.tv/boomers?ref=tomnicholas 📩 Get the free newsletter on sorting your pension we mention at the end https://makingmoney.email/pension-tom-nicholas 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Is AI going to solve our productivity problem? Diane Coyle is an Economist and Professor at the University of Cambridge where she looks at the economic impact of the digital economy, including artificial intelligence. Her new book is called ‘The Measure of Progress: Counting What Really Matters’ (https://shorturl.at/PuHgF). 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Can anyone learn to be good at investing? Toby Newbatt, a personal finance YouTuber (@TobyNewbatt), certainly thinks so. When he first started investing, he knew next to nothing and definitely made some mistakes. But over time, he taught himself what he needed to know—even reading over 40 books on the subject! 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 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 Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

How often do you question your money habits or what your saving or investing for? Anne-Laure Le Cunff is a neuroscientist and author of Tiny Experiments and she thinks we need to question whether our financial goals are really what we want. (https://profilebooks.com/work/tiny-experiments/). 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What is happening to China? With a massive property market collapse, unsustainable levels of debt, and widespread data manipulation, is this the end of growth for the world’s second-largest economy? And what steps should we take to protect ourselves from a country that doesn’t play by the rules? Ian Williams spent over 20 years as a foreign correspondent covering China. He has written a book titled Vampire State: The Rise and Fall of the Chinese Economy. Get Ian’s book: https://birlinn.co.uk/product/vampire-state/ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

The wealth transfer from baby boomers to their children is set to be the largest in history. This has created an unfair system—where parental wealth is the main determinant of success in life—says generational historian Dr Eliza Filby. She has written a book called Inheritocracy: It’s Time to Talk About the Bank of Mum and Dad. She travelled around the UK to explore who wins, who loses, and what we should be doing about it. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We often focus on companies like Tesla or ARM, but we rarely think about the materials that make their technology possible. Ed Conway is the Economics Editor for Sky News and author of Material World: A Substantial Story of Our Past and Future. Where does the battery in your phone or an electric vehicle come from? Why are materials like lithium and copper so critical to achieving net-zero? These aren't just commodities; they are the fundamental building blocks of the technologies that shape our world and our future. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠ - If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What will the next year bring for global markets? What impact will Donald Trump’s tariffs have? Will inflation rise? Katie Martin is a markets columnist for the FT and host of the Unhedged podcast. We often discuss how long-term investors must be prepared to weather economic cycles. If you haven’t experienced a market crash yet, Katie believes this year might put your resilience to the test. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

A personal-finance obsessed former jazz musician, who speaks eight languages, and now runs one of the most successful education businesses in the country, Olly Richards (@storylearning) is the perfect example of why you should never stop learning. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Do you have a workplace pension? If so, there's a good chance it's with Nest, one of the UK’s largest pension schemes, with over 13 million members. We're speaking with Paul Todd, the COO of Nest Invest, to understand how they invest all that money. Are they delivering? And why did they remove the option for a 100% equities fund? Do you have something you want to say Nest? If you're a member, you can contact them through your account, or you can use the contact us section of their website. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We answer all your biggest questions for 2025: How do you know if you’re on track with your finances? How much do you need for retirement? What to look for in a pension fund? How to diversify to reduce risk? Email us your questions: [email protected]. 📧 Get the free newsletter series we mentioned And other guides on personal finance: https://linktr.ee/makingmoneypod 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What will the world look like in 2050? Will the US remain the largest economy, or will China or India take the lead? Can AI solve the challenges posed by an ageing population? And will asset prices deliver the returns we expect? Hamish McRae, an economics columnist for The i and the Mail on Sunday, is the author of The World in 2050: How to Think About the Future. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form ⁠ 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Your pension should be your top priority this year. Tom McPhail, pensions expert at The Lang Cat and former Head of Policy at Hargreaves Lansdown, explains how to calculate what you’ll need to retire, whether you can count on a state pension, and maximise returns without extra contributions. This is what we think you need to get your pension sorted out. Our previous episode with Tom is called ' Will you be hit by the pensions crisis?' listen here: https://open.spotify.com/episode/6gJm3v9d9K6cEiAzcfI8Z9?si=5fae24feba054ca3 📧 Get the free newsletter series Damo mentions Learn how to build long-term wealth in the UK: https://makingmoney.email/series-tom-audio 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠– If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Your career and earnings massively impact your financial future, but with skills fast becoming obsolete, how can we make sure we succeed? Helen Tupper, author of The Squiggly Career, suggests ditching the career ladder mindset - progress and more pay can come from moving sideways, not just up. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Looking to sort your financial life out in 2025? Financial advisor and podcast favourite Lisa Conway-Hughes shares a bunch of small changes that could make a big difference to your financial future. 🤝 Want Lisa's help planning your finances? Check out her services here: https://lchwealth.co.uk/⁠ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above (including Lisa's firm, LCH Wealth), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Rob Dix says we can’t rely on the rules of the past to get the financial future we expect, and shares some new ideas for what we can do instead. Rob is a finance expert, host of The Property Podcast and has just released a new book called 'Seven Myths About Money: And The Truth About Finding Financial Freedom’. Rob’s book: https://shorturl.at/btaw 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Pete Matthew believes our mindset about money shapes every decision we make with it. Without the right attitude and perspective, even the best financial plans can fall apart. So Pete, a Chartered Financial Planner and Founder and host of Meaningful Money, asks - how can we avoid making the wrong decisions? ✉️ 80% of personal finance on 2 pages Get guide: https://makingmoney.email/80-guide-pete-matthew 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 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 Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.

For Christmas we've gone into the archive to dig out one of our favourite episodes. 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 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. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.

Erik Angner is a PhD economist, philosopher, and author of ‘How Economics Can Save the World’. He says economics holds the answers to how we solve the world’s biggest problems, including how you can get rich. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.

Vivi Friedgut is CEO and founder of Blackbullion, a fintech business that helps students sort out their finances. We say it a lot and it’s true, the earlier you can get started with personal finance the better, and Vivi’s advice isn’t just for students, it’s for anyone who wants to know give themselves the best chance in life. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.

Lionel Barber, former editor of the Financial Times, explores the story of SoftBank CEO Masayoshi Son, known as Masa, in his book ‘Gambling Man’. Masa, a venture capitalist who has made and lost hundreds of billions through bold bets on technology, calls himself the world’s "craziest investor." Lionel’s book: https://www.penguin.co.uk/books/451627/gambling-man-by-barber-lionel/9780241582725 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.

Edward Chancellor is a financial historian, journalist and investment strategist. In 2008 central bankers brought interest rates to their lowest level in five thousand years. Unaffordable housing, the collapse of productivity, rising inequality are just some of the things Chancellor says are results of those decisions and he argues the worst could be yet to come. Edward’s book: (https://www.penguin.co.uk/books/448594/the-price-of-time-by-chancellor-edward/978180206015) 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We get loads of questions about mortgages so we thought we’d ask an expert and cover some other key things you should know about. We're speaking to Anthony Emmerson, Director at mortgage broker Trinity Financial. Whether you’re getting a mortgage for the first time or looking to remortgage, what should you look out for? 🏡 Want help from Anthony with your mortgage? Email: [email protected] Website: https://www.trinityfinancialgroup.co.uk/ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of these links (including Anthony’s firm Trinity Financial), 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.

Making Money listener Amy followed 'the right' steps investing for 15 years, but a few bad decisions ended up costing her tens of thousands of pounds. Here's what happened and what she learnt from it. Want to share your story with us? [email protected] 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.

UK public companies are trading at 50p on the £1. We've decimated our public markets, which has a huge effect on the economy, stagnating wage growth. How did we get here and what do we do about it, asks an impassioned Andrew Craig, author of How To Own The World and founder of Plain English Finance. His new book is ‘Our Future Is Biotech’. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

In this session we streamed live. I break down the Budget with Paul Johnson, Director of the Institute for Fiscal Studies (IFS), and Claer Barrett, Consumer Editor at the Financial Times. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.

George Agan is a Chartered Financial Planner who’s helped thousands of people plan for their financial future. Can you afford the retirement you want? If not, how are you going to get there? ☕ Want help from George planning your finances? You can email him here: [email protected] His company is Flying Colours Advice: https://fcadvice.co.uk/about-us/meet-the-team/george-agan/⁠ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above (including George's firm FC Advice), 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.

Liam Byrne is the Labour MP for Birmingham Hodge Hill & Solihull North. He’s written a book called ‘The Inequality of Wealth’. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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 asked us: How do you stay motivated to save and invest when are years away from your goals? What do we think about the future growth for the UK? How do you make the most of your workplace pension? 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- 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: How should those of us who have learned about investing and understand the meaning of these terms go about explaining these things to close friends and family who haven’t? How can I be more patient? I want to be a long-term, passive investor but find it difficult not to want to tinker. How we can effectively save for our children's future? 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Disclaimer: 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.

Richard Coffin is the host of the Plain Bagel YouTube channel and one of the biggest financial content creators in the world. He’s a trained financial planner and by day works as an investment analyst so he really knows his stuff. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We answer your biggest money questions - there's extra info below for some of the things we talk about in the episode. Yes, Trading 212 offer a flexible ISA. You can learn more about this in Trading 212's FAQs at the bottom of their ISA page: https://www.trading212.com/isa Btw if you want to sign up for a Trading 212 account then if you use our code MM you'll get a free share worth up to £100 if you deposit at least £1. If you do then we'll receive a small commission from Trading 212. 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. How could we forget the gluten-free bagel recipe: https://www.theglutenfreeblogger.com/gluten-free-bagels/ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- 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.

There's always a nagging question re: index funds - will this long-term trend keep going forever? What about the different market conditions we're now in (with higher interest rates)? Steve Clapham thinks a bit differently to us. He is an ex-hedge fund analyst and the founder of Behind the Balance Sheet, an investment research and investor training consultancy firm. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

It’s not pleasant thinking about dying or getting seriously ill, but what happens if terrible things happen to us? We chat with Naomi Greatorex, the Managing Director of insurance broker Heath Protection. You can book a free consultation with Naomi and her team here: https://heathprotection.co.uk/making-money/ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above (including Naomi's firm, Heath Protection), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Vicky Reynal is a financial psychotherapist who deals with a wide range of issues, from overspending to money secrets and self-sabotage. Her book, Money on Your Mind looks at how we can develop a better relationship with money, because it pervades everything we do. *Warning: We discuss some issues in the episode such as anorexia that some listeners might find it difficult listening to* 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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 asked us: How can we efficiently purchase property for children? Or why is it not widely encouraged, likewise with pensions for children? What's better: premium bonds or high interest savings accounts? 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Find the right financial adviser service for you & book free chat: ⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ … 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: If your employer will not match anymore than the required 3% - should you put surplus cash in the workplace pension, a stocks and shares isa or a sipp? What % do we save every month? 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Find the right financial adviser service for you & book free chat: ⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ … 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.

There have always been market crashes and there probably always will, so how do we navigate them with our personal finances? We're getting help from Linda Yueh, Professor of Economics at London Business School and a Fellow at Oxford. She’s written a book called The Great Crashes: Lessons from Global Meltdowns and How to Prevent Them. (https://www.penguin.co.uk/books/315580/the-great-crashes-by-yueh-linda/9780241988084) 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.

Finance has been used for good and it's been used for evil. We get under the bonnet with Philip Roscoe, Professor of Management at the University of St Andrew’s Business School. He’s written a book called ‘How To Build A Stock Exchange: The Past Present and Future of Finance.’ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We're not going to lie, there's some pretty depressing analysis here because we learn quite how unequal the UK is - how little social mobility there really is. We're speaking to Sir Paul Collier, a world-renowned development economist, a former UK government advisor and a professor at Oxford University. His latest book is Left Behind: A New Economics for Neglected Places: https://amzn.to/4cRWIIm. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.