Money Clinic with Claer Barrett

How to invest when you’re cash-strapped? What to do if you think your landlord is unfairly demanding more rent? Could moving out of the city save money? Host Claer Barrett and a panel of personal finance experts field questions at the ‘Young, Gifted and Broke: how to navigate the cost of living crisis’ event, organised by the FT Financial Literacy and Inclusion Campaign. With expert tips on renting, investing and budgeting from Margot de Broglie, founder of Your Juno app, Dan Wilson Craw, deputy director at Generation Rent, Timi Merriman-Johnson aka Mr MoneyJar, and Jason Butler, FT columnist and former financial advisor.For more free money-mastering resources, check out FT Flic or watch the full recording back here.Money Clinic would like to hear from you. If you have an episode idea or want to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

The past 12 months have not been kind to investors — but will the going get rougher or smoother in the year ahead? Presenter Claer Barrett hears from three of the FT’s most experienced investment writers who pass on tips on how to handle volatility, what’s driving change in the markets and where they think the best opportunities could lie in 2023. With Rob Armstrong, the FT’s US financial correspondent and author of the Unhedged newsletter, Stuart Kirk, the FT’s new Skin in the Game columnist, and Rosie Carr, editor of Investors Chronicle.Please note that Money Clinic is a general discussion around financial topics and does not constitute an investment recommendation or individual financial advice. For that, you’ll need to find an independent financial advisor. If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.  Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

The new year is a perfect time to rethink and reorganise your financial affairs but where should you start? Host Claer Barrett is joined by Iona Bain of Young Money blog, financial educator Timi Merriman-Johnson, aka Mr Money Jar, and Sara Williams of the Debt Camel. They discuss their own new year’s resolutions, whether it’s worth overpaying on your mortgage as interest rates are set to rise, and why paying more into your pension could be a good idea. Plus, advice on how to keep to your new year’s financial goals.Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

How does one of the UK’s most popular comedians handle his money and investments? In a repeat of one of Money Clinic’s most popular episodes, host Claer Barrett interviews Joe Lycett, the consumer campaigner and TV comedian. Joe shares his own personal money story - including his charity shop thrifting, ESG investments and money rules - and explains why he campaigns on consumer issues.If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.  Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb You can follow Joe Lycett on Twitter and Instagram @JoeLycett and FT Money on Twitter @FTMoneyPresented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

More than a million crypto investors around the world stand to be wiped out by the collapse of crypto exchange FTX. Presenter Claer Barrett is joined by Scott Chipolina, the FT’s digital assets correspondent, and Rob Armstrong, the FT’s US financial commentator, to discuss what the collapse means for the future of crypto. What should people still holding crypto investments do? Will crypto recover? What role should regulators play? And is there a way of keeping your crypto investments safe?Want more?Bahamas reels from FTX collapse: ‘Crypto was going to be our way out’More from Scott Chipolina and the FT’s cryptofinance newsletterMore from from Rob Armstrong on crypto regulation: The SEC should not touch cryptoMore from Rob Armstrong and his Unhedged newsletterMoney Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Clips: BBC, CBSRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

With more than 10mn people in the UK set to file their tax returns by January 31, are you dreading the annual nightmare - or have you already got it licked? This week presenter Claer Barrett revisits Money Clinic’s tax return guide from last year, with guests Jacquetta Brown, tax specialist at HMRC, and chartered accountant Deborah Edwards, who runs the money mentoring programme Raised Up Finance. They discuss how much extra income you need to earn before you have to submit a return, how apps can make the whole process easier, and whether it pays to get an accountant. Plus, how freelancers can legitimately reduce their bills by claiming tax-deductible expenses, or negotiate extra time to pay. If you would like to be a guest on the show, email the podcast team [email protected] or follow Claer on Twitter and Instagram @Claerb.You can follow Deborah on Instagram @raisedup.finance Want more?For more about using salary sacrifice to legitimately reduce your tax bills, check out this free-to-read FT piece from Claer: https://www.ft.com/content/ff8021b9-7847-4ef5-9f20-abb2ea2d6d93And if you’re looking for more tips about running a freelance business, this free-to-read piece has plenty of them: https://www.ft.com/content/3462f359-8a1d-4a1e-9098-a14bded3f00dTo check out the HMRC YouTube channel, click hereRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Thirty-year-old Brooke struggles with a shopping addiction and feels as if no one is taking it seriously. With thousands of dollars of credit card debt spent at thrift stores and bargain clothes sales, shopping is an obsession that leaves her both mentally and financially exhausted. Presenter Claer Barrett speaks to financial therapist Amanda Clayman, and addiction specialist Pamela Roberts about why people get addicted to shopping, and what they can do to break the cycle. You can find Amanda Clayman through her website or follow her on Instagram. Pamela Roberts works for addiction and recovery hospital the Priory Group, and her personal website is here.Pamela has recommended the following resources for anyone struggling with a shopping addiction:Counselling Directory UKAddiction Counselling Psychology TodayAddiction ProfessionalsSpenders Anonymous Spent: Break the Buying Obsession and Discover Your True Worth by Sally PalaianMoney Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

UK chancellor Jeremy Hunt’s Autumn Budget Statement spelled out gloomy times ahead for the UK economy, but what does it mean for your money? Host Claer Barrett, the FT’s consumer editor, is joined by political editor George Parker and Chris Giles, economics editor, to discuss taxes, energy bills, mortgages rates and why this Budget will squeeze the finances of lower and middle earners. Plus, why were young people left out of the new Budget plans?Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Want more?Votes for rents as Autumn Statement squeezes younger workersJeremy Hunt offers no jam today and none tomorrowThe FT’s quick guide to the autumn statementA dismal outlook for the UK economyPresented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Should you overpay on your student loan to try and beat rising interest rates? Or are you better off putting your hard-earned salary towards other things? Presenter Claer Barrett hears from recent graduate James who is struggling with these very questions, and speaks to Ben Waltmann, research economist at the Institute for Fiscal Studies. Ben explains how student loan repayments work and what the statistics tell us about repayments. Plus, FT columnist and former financial adviser Jason Butler gives his view on how graduates should approach their loans as part of a long-term financial plan.Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Want more?Student loans: should the bank of mum and dad step in?Don’t raise more hurdles to university entranceEconomic distress lifts stigma of discussing money troublesPresented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner and Jan Sigsworth, with original music from Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Childcare in the UK is among the most expensive in the world, with parents spending an average of two thirds of their salary on nursery costs for children under two. Host Claer Barrett speaks to Joeli Brealey, author and founder of campaign group Pregnant then Screwed, about why the UK childcare system is in crisis. She also hears from Megan Jarvie, the head of Coram Family and Childcare, about how to navigate a complicated system of government support for families with young children. Plus, mother Jess tells Claer how unaffordable nursery costs pushed her out of full-time work..Money Clinic is keen to hear from listeners. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.Want more?England’s childcare in crisis as costs rise and staff leave https://www.ft.com/content/f07886fa-becc-4491-88e0-dbfe2c07c225What’s driving the rich world’s falling fertility? https://www.ft.com/content/2f90b924-3122-4548-85fa-4c5a775c2caeChildcare: female-led social enterprises tackle dysfunctional system https://www.ft.com/content/d576fedd-6577-4c4c-98ac-f3c73fcf6346Joeli Brearley and Pregnant then Screwed can be found at https://pregnantthenscrewed.com/Further details on childcare options in Scotland, Wales and Northern Ireland, can be found here: https://www.familyandchildcaretrust.org/help-your-childcare-costsTo download the FT Edit app, click here https://apps.apple.com/app/apple-store/id1574510369?pt=246269&ct=FT-E-22Q4-HAD-AD-US-Anon&mt=8Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

How can you make the most of your savings at a time when inflation is eating into the value of your cash? Host Claer Barrett, the FT’s consumer editor, speaks to Iona Bain, personal finance writer and author, and Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, and sources, for practical advice about how to get the best interest rates on your savings and how to use savings to achieve your financial goals. Plus, should you use your cash savings to overpay your mortgage?If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media — she’s @Claerb on Twitter, Instagram and TikTok. Iona Bain can be found at https://www.youngmoneyblog.co.uk/Sarah Coles is on Twitter @sarahecolesPresented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Pension funds have been the focus of some worrying news over the past few weeks. But don’t panic! Money Clinic host Claer Barrett is joined by the FT’s global pensions correspondent, Josephine Cumbo, and chartered financial planner David Hearne to explain what’s going on, and to offer some reassurance. Whatever type of retirement fund you have, this episode is packed with information to help you understand your pension better.If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Against the backdrop of market turbulence, investors Jonathan Hollow and Robin Powell explain why they believe investing in broad-based index funds is the cheapest way to increase long-term wealth. This investment masterclass breaks investing down into six simple steps, with tips for those just getting started and those further along their investment journey.If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok. How to Fund the Life You Want: What everyone needs to know about savings, pensions and investments by Robin Powell and Jonathan Hollow is out now. Want more?Why do we still bother with active funds? https://www.ft.com/content/c2e9abd0-0edd-4805-b1ab-d55b661c24dePassive investing has increased US stock volatility, study finds https://www.ft.com/content/818f9e83-52a8-4170-a148-80f9d9139809Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

When former banker Emilie Bellet discovered that an average woman in her twenties would have to work 37 years longer than her male counterparts to accumulate the same pension wealth, she thought it was time to do something about it.She launched Vestpod seven years ago with the ambition of empowering 1mn women financially. In this Money Clinic Investment Masterclass, Emilie talks to host Claer Barrett, the FT’s consumer editor, about how to get started investing, when to start saving for a pension and why some of the myths around women investors are just that.Vestpod is focused on women, but the episode is packed with useful tips for all budding savers and investors.You can listen to Emilie’s podcast, The Wallet, here: https://podcasts.apple.com/gb/podcast/the-wallet/id1520695849And follow her on Instagram here: https://www.instagram.com/vestpod/And if you’re interested in becoming a member of the Vestpod community, check out the website: https://www.vestpod.com/For tips and strategies for investing during market volatility, listen to our previous Money Clinic episode: https://www.ft.com/content/fb93bdbe-957f-4e50-97f5-840d800ddbebIf you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok.Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

What does this mortgage tumult mean for individuals? Will borrowers be able to remortgage? How high could rates go? Will there be a property crash? In this special episode of Money Clinic, host Claer Barrett, the FT’s consumer affairs editor, puts listeners’ and readers’ questions to Andrew Montlake, managing director of mortgage broker Coreco, and James Pickford, deputy editor of FT Money. Please note: This is an updated, corrected edition of an earlier version of the podcast which contained incorrect figures on the interest rate mechanism for Help To Buy properties.Want more? Check out our online mortgage Q&A: https://www.ft.com/content/6dd96b0e-6b39-492e-9040-4f4b4d247a84Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. You can find Andrew Montlake on Twitter, @montysblog, and James Pickford @MrJamesPickfordPresented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

UK Chancellor Kwasi Kwarteng’s mini-budget includes what he claims are the biggest tax cuts in a generation. He’s hailing it as a new era for the UK economy and a way of kick starting growth, but what does this mini-budget mean for your wallet? Who gains and who loses out? Host Claer Barret unpicks the details with George Parker, the FT’s political editor, and Mary McDougall, the FT’s acting tax correspondent.Want more?A mini-budget for those on maxi incomes https://www.ft.com/content/cdbf7a95-8ddf-48df-a9fc-8e40100caac7Traders bet on emergency UK interest rate rise https://www.ft.com/content/c7f815b6-e7f2-43d2-b160-b7b3182e63b4Kwarteng’s ideological approach will leave the Treasury with ‘no money’ https://www.ft.com/content/53709418-7ed6-4b10-b6b0-b2e2d5b77683Kwasi Kwarteng vows to stick with tax cuts despite investor jitters https://www.ft.com/content/5b9d1f87-dc78-4626-bb08-507561c6176aMoney Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Hosted on Acast. See acast.com/privacy for more information.

How much does the way you cook your meals affect how much you are spending? Host Claer Barrett speaks to Suzanne Mulholland, aka The Batch Lady, about how batch cooking can save both time and money. Plus, Archie Lasseter, sustainability lead at energy company Utilita, reveals which kitchen appliances are the most energy- and cost-efficient. How much could switching from oven cooking to an air fryer save?You can find The Batch Lady and many of her recipes on instagram @thebatchlady or on her website https://thebatchlady.com/Don’t forget to check out last week’s episode about how to keep the cost of your food shop down: https://www.ft.com/content/6dc26bb8-55a1-4176-ba15-58cddf73bda0And if you would like to get in touch with us about your experiences of renting property, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

Claer Barrett takes to the supermarket aisles to find the best tips for keeping the cost of the weekly food shop to a minimum. She hears from Laura Gaga aka Reduction Raider on how and where to find bargains, while Richard Walker, managing director of Iceland supermarkets, explains why his chain has introduced interest-free buy-now-pay-later loans for struggling customers.Follow Laura Gaga on instagram @reduction_raider1And if you would like to get in touch with us about your experiences of renting property, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

Forget about being a day trader, you need to let the money come in slowly and take a serious, business-like approach if you want to succeed - that’s the advice of Robbie Burns, better known as the Naked Trader. In this repeat of a popular Money Clinic Investment Masterclass from last year, Robbie gives host Claer Barrett his top tips about trading, still relevant now amid uncertain financial and economic times. Want more?Here is Robbie’s Naked Trader siteListen to our previous episode about the advantages of tax free IsasIf you want to get started in investing, listen to this episodeClaer’s free-to-read column about day tradingPresented by Claer Barrett. Produced by Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

How to match your money to your relationship status. Nearly one in four of us live on our own, but dealing with the financial and emotional strain of handling everything by yourself can be difficult. Jenny, 27, from Leeds, is being hit by the ‘single penalty’ and is exhausted trying to find everyday ways to save money. She’s looking for tips on investing in the stock market, whether to try to buy or stay renting and how to ease the worries that come with financial independence. In this Money Clinic episode, Claer is joined by ‘Alonement’ guru Francesca Specter who champions the single life and Iona Bain, a personal finance author and founder of the Young Money blog. Follow them on social media @ClaerB @chezspecter @ionajbainFurther reading:Here is Francesca Specter’s Alonement site: https://www.alonement.com/Iona Bain’s Young Money blog: https://www.youngmoneyblog.co.uk/Listen to our previous episode about budgeting: https://www.ft.com/content/962982cf-8d63-4d01-bcf1-8304983e8e05If you want to get started in investing, listen to this episode: https://open.spotify.com/episode/3vrvbPLIxReR2ACvgH9q6t?si=WAdkHgdwRlKlLoXa9bAOGg&dl_branch=1A free-to-read column about the costs of dating: https://www.ft.com/content/222445d5-ba61-4161-a900-ed2b7d74dab2Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

We know that investing in crypto is a popular topic with Money Clinic listeners, so we thought you might like to hear the first episode in the new season of the FT's Tech Tonic podcast.A Sceptic's Guide to Crypto asks whether crypto and its supporting technology - the blockchain - have a future following a market crash. In the first episode of this five-part series, FT columnist and host Jemima Kelly casts a sceptical eye on what led to the boom in digital assets and their subsequent collapse. She assesses the damage with the FT’s digital assets correspondent Scott Chipolina (whose voice you'll recognise from Money Clinic's last episode about crypto) and hears from big-time bitcoin investor Michael Saylor, Dogecoin co-creator Jackson Palmer, and crypto YouTuber, Wajahat Mughal.Want to hear more? Subscribe to Tech Tonic here: https://link.chtbl.com/rzVNVcs_?sid=Ep1Check out stories and up-to-the-minute news from the FT’s technology team at ft.com/technology The FT’s Cryptofinance Hub is at https://www.ft.com/cryptofinance Scott Chipolina’s reporting can be found at https://www.ft.com/scott-chipolina For a special discounted FT subscription go to https://www.ft.com/techtonicsale Tech Tonic is presented by Jemima Kelly. Special thanks to Scott Chipolina. Edwin Lane is senior producer. Produced by Josh Gabert-Doyon. Executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. The FT’s head of audio is Cheryl Brumley. News clips credits: CNBC, Saturday Night Live   Hosted on Acast. See acast.com/privacy for more information.

Listen and subscribe to Tech Tonic here.Even after the crypto markets crashed this year, there are still a number of people who believe there’s a future for digital assets and blockchain technology. FT columnist and avowed crypto sceptic, Jemima Kelly, isn’t so sure. On this season’s Tech Tonic, she takes a trip deep into cryptoland to hear from critics, converts and hardcore believers to find out whether crypto technology has a future.Check out stories and up-to-the-minute news from the Technology team at ft.com/technologyPresented by Jemima Kelly. Edwin Lane is senior producer. Produced by Josh Gabert-Doyon. Executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. The FT’s head of audio is Cheryl Brumley. Hosted on Acast. See acast.com/privacy for more information.

Are you working to live, or living to work? Followers of the FIRE movement (Financial Independence Retire Early) budget carefully so they can invest a greater proportion of their take-home pay. Is a life of extreme frugality worth the extra years of financial freedom later on - and how could you apply the principles of FIRE to your own finances? This week, Claer helps listeners Amy and Rory on their FIRE journey, with expert tips from Mr Money Mustache, AKA the US blogger Pete Adeney, and Kristian Danielson, the person behind the r/FIREUK subreddit. Money Clinic is presented by Claer Barrett and produced by Persis Love. Manuela Saragosa is the executive producer and the sound engineer is Breen Turner. The original music is by Metaphor Music.Further reading:Mr Money Mustache’s blog: https://www.mrmoneymustache.com/You can get involved in the FIREUK subreddit here: https://www.reddit.com/r/FIREUK/If you want to get started in investing, listen to our previous episode: https://open.spotify.com/episode/3vrvbPLIxReR2ACvgH9q6t?si=WAdkHgdwRlKlLoXa9bAOGg&dl_branch=1&nd=1Claer’s free-to-read column about the problems with FIRE is here: https://www.ft.com/content/f4283596-c967-11e9-a1f4-3669401ba76fAnd her column about active vs. passive funds is here: https://www.ft.com/content/c2e9abd0-0edd-4805-b1ab-d55b661c24dePresented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

Increasing rents, bidding wars and queues to view properties – for 28-year-old Will, finding a place to live is proving very difficult. He moved out of his last flat because the landlord increased the rent, and has just two months to find his next place. Greg Tsuman, president-elect of Propertymark, a trade body for UK estate agents, offers insider tips on how prospective tenants can get ahead of the competition. He also explains why rental properties are in such low supply at the moment. Plus, presenter Claer Barrett gets a rundown of renters’ rights from Shelter policy manager Ruth Ehrlich – when can your landlord increase your rent and what can you do if you are served an eviction notice?To listen to our previous episode about why it pays to check your credit score, click here: https://www.ft.com/content/3fb08997-b49f-4e14-b283-9abd1a648b1f And here’s a free to read link for Claer’s FT column “Why should I let my landlord spy on my finances?” https://on.ft.com/3c1cq6f And if you would like to get in touch with us about your experiences of renting property, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

Do you ever long for an extended period of time off? Maybe you’d travel the world, try out a new career, or just put your feet up for some proper R&R. While the prospect of taking six months off work to do something completely different may well appeal to you, could you afford to do so? Thirty-four-year-old podcast listener Ali has reached a crossroads in her career and is keen to plan some time off. Presenter Claer Barrett speaks to Isabel Berwick, the host of the FT’s Working It podcast, on the career implications of taking a sabbatical - both good and bad. Plus, financial planner Joanna Little, chief executive of Emery Little, talks listeners through how to prepare for six months without an income - and what flexibility could be on offer. If you would like to be a guest on the podcast, email the team [email protected] or send Claer a DM on social media - she’s @ClaerB  Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

The cost of living is rising at its fastest pace for 40 years, and economists warn prices will increase further this autumn — with some fearing annual inflation could hit 15 per cent.On this week’s episode, presenter Claer Barrett hears how the soaring cost of fuel, energy bills and food is causing podcast listeners to cut back in other areas in order to balance their budgets. Chris Giles, the FT’s economics editor, explains what’s causing the price rises and why this in turn is pushing up interest rates — and how effective this might be in getting inflation under control.Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, notes how all of these pressures are being reflected on world stock markets, as well as looking at strategies people are taking with cash savings and mortgages on their homes.If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media — she’s @Claerb on Twitter, Instagram and TikTok.Follow Chris Giles on Twitter @ChrisGiles_Follow Sarah Coles on Twitter @SaraheColesTo listen to our previous episode “How to get a pay rise” https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

There’ve been thousands of flight cancellations and scenes of chaos at UK airports, so this Money Clinic episode is packed with advice about your consumer rights if your travel plans go wrong. Host Claer Barrett, the FT’s consumer editor, hears from listeners battling to get their money back from airlines and third-party booking sites, including one listener who was forced to wear her husband’s underpants after her suitcase went missing! Can she help them obtain compensation - and track down the missing suitcase? Claer sources tips about air passenger rights, travel insurance and Covid cancellation cover from veteran travel journalist Simon Calder, and Harry Kind, a Which? consumer expert.Want more?Claer’s latest FT column is packed with more tips for travellers, including how to get the best deal on holiday currency: https://www.ft.com/content/0044cce2-d9e3-4599-9615-5c2546830071Simon Calder hosts an Instagram Live on his account @Simon_Calder answering travel questions every Saturday and Sunday at 3.30pm UK time, and also has his own travel podcast - You Should Have Been There.If you would like to be a future guest on Money Clinic, email the team via [email protected] or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

Record numbers of people are falling victim to online fraud attempts, but there are no guarantees that your bank will refund the lost money. Thirty-one-year-old Jenny was distraught when fraudsters impersonating her bank made off with her life savings of £17,000. Money Clinic helped her to take her case to the UK’s Financial Ombudsman, and in this episode host Claer Barrett explains how listeners could use the free ombudsman service to obtain compensation themselves. Plus Pat Hurley, the lead ombudsman at the Financial Ombudsman service, and Katy Worobec, managing director of economic crime at the banking trade body UK Finance, pass on valuable fraud prevention tips. Want more?Claer’s column on record online fraud in the UK: https://www.ft.com/content/a6c5ab95-7be4-432c-83a5-79b7471afc1aHow to make a claim using the Financial Ombudsman service: https://www.financial-ombudsman.org.uk/To stay on top of the latest scams being reported: https://www.actionfraud.police.uk/ If you would like to appear as a future guest on Money Clinic podcast, email the team via [email protected] or send Claer a message on Instagram, Twitter or TikTok - she’s @ClaerbPresented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

Would you fall for a £17,000 scam? You might think you are too smart, but criminals keep coming up with frighteningly convincing ways of parting us from our hard-earned cash. Figures released last week showed that online fraud hit a new record in 2021, with under-35s increasingly the target of ‘impersonation scams’. Fewer than half of those tricked into transferring cash to criminals ever get their money back from their bank. Victims include 31-year-old Money Clinic listener Jenny. In this repeat episode, she tells presenter Claer Barrett about how professional scammers conned her out of £17,000 in April 2021 after she clicked on a text message — and the compensation battle she’s been fighting since then. Bank fraud expert Steven McMillan provides practical advice on how to spot scams and Gareth Shaw from Which? tells listeners how to get compensation if they fall victim. Next week, we will reveal what happened when Claer helped Jenny to take her case to the financial ombudsman.For more on the online fraud ‘epidemic’ in the UK:https://www.ft.com/content/df5c61b1-3430-45c3-976a-3af8789a2daeClaer’s column on record online fraud in the UK:https://www.ft.com/content/a6c5ab95-7be4-432c-83a5-79b7471afc1aTo learn more about making a claim using the Financial Ombudsman service:https://www.financial-ombudsman.org.uk/To stay on top of the latest scams being reported:https://www.actionfraud.police.uk/ If you would like to appear as a future guest on Money Clinic podcast, email the team via [email protected] or send Claer a message on Instagram, Twitter or TikTok - she’s @ClaerbPresented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

The FT just launched a new podcast on porn, power and profit. When FT reporter Patricia Nilsson started digging into the porn industry, she made a shocking discovery: nobody knew who controlled the biggest porn company in the world. Now, she and her editor, Alex Barker, reveal who is behind it and much more. This eight-part investigative podcast reveals the secret history of the adult business and the billionaires and financial institutions who shape it. Brought to you by the Financial Times and Pushkin. To listen to new episodes, search ‘Hot Money’ wherever you listen. Hosted on Acast. See acast.com/privacy for more information.

Most people know that you need a good credit score to be able to borrow money, but how to start building one up is a bit of a mystery. Money Clinic listener Emma, 22, has never been in debt before, apart from her student loans. However, she has heard that getting a credit card could increase her chances of being able to take out a mortgage in the future. Before she applies for one, what does she need to consider? Plus, if your credit score isn’t great, how can you improve it and why is this worth doing? Claer Barrett, Money Clinic presenter and the FT’s consumer editor, scrutinises Emma’s credit score, with help from Katie Watts, a consumer expert at moneysavingexpert.com and debt adviser Sara Williams, who runs a blog called The Debt Camel (@debtcamel on Twitter and Instagram). Together, they explain the hidden world of credit scores, credit files and tips on how to use credit responsibly. Want more?This free-to-read FT article How to Improve Your Credit Score includes lots more tips and pointers:https://www.ft.com/content/24b2df98-2bae-11e9-9222-7024d72222bcIf you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

Global stock markets have suffered their biggest weekly drop since the start of the pandemic, and cryptocurrencies have crashed. As younger investors struggle to absorb the losses, they also have the rising cost of living to contend with. This week, Money Clinic host Claer Barrett speaks to Ashley, a 28-year-old investor who has lost thousands of pounds, about how he’s weathering the financial storm, and two of the FT’s top investment brains unpick exactly what has been happening in world markets and where things could go from here. Katie Martin, the FT’s markets editor, and Robert Armstrong, the FT’s US financial commentator and author of the Unhedged newsletter, have plenty of ideas for new investors thinking about their next move.Want more?Claer’s most recent FT column offers pointers to young investors: https://www.ft.com/content/83aa143b-1f84-48e9-a6f7-6c21deef278dThe financial advice that older FT readers would pass down to younger investors:  https://www.ft.com/content/1d71cdc1-5a7d-464a-9d82-bbf7b29a4656If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

Who taught you the most about money — your dad, your mum or the internet? Traditionally, parents had the biggest influence on how people managed money in their adult lives. But all that is changing. In an unofficial Money Clinic poll ahead of Father’s Day this Sunday, while 20 per cent of listeners said their dads had been the strongest financial influence in their lives, the vast majority (71 per cent) said it was the internet, raising important questions about the role of online influencers and the lack of financial education in schools. Presenter Claer Barrett discusses with Aimée Allam, director of the FT’s Financial Literacy and Inclusion Campaign (FLIC), and millennial financial educators Andreea Ion and Jamie Galvin, who run the Stocks and Savings pages on Instagram and TikTok. If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. To follow Andreea and Jamie on social media, look for @stocksandsavings To learn more about FLIC, and read lots of free FT articles about financial literacy, visit www.ft.com/flic Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music Hosted on Acast. See acast.com/privacy for more information.

As the cost of living rises, securing a pay rise is likely to be the top item on your financial to-do list. So how can you maximise your chances of getting one?  This week on Money Clinic, we’ve joined forces with the FT’s Working It podcast to return to one of our most popular episodes: “How to ask for a pay rise - and get one!” Back in November, podcast listener Max told presenters Claer Barrett and Isabel Berwick about how he hoped to negotiate a raise with his current employer after being approached by headhunters offering more money elsewhere. In this special episode, Max tells us what happened next, and whether the experts’ advice paid off. Plus, Isabel explores what managers can do to help their teams asking for higher pay, especially if there is no budget for it. This episode will help you gather the tools and tips you need – and also tell you what not to do. Want more?  Listen again to the advice from Claer, Isabel and Jonathan Black, the FT’s “Dear Jonathan” careers agony uncle, on the Money Clinic podcast from November  https://www.ft.com/content/04b1176f-b6c8-4488-971b-9ded3358a324Two FT features by a behavioural economist on how to craft a case for a pay rise and how to use storytelling to make your argument https://www.ft.com/content/09ce507b-914a-4988-9a56-cf5181e1678dhttps://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1c How to ask for a raise: HBR tips and video https://hbr.org/2021/11/christine-vs-work-how-to-ask-for-a-raise FT subscriber? Sign up for the weekly Working It newsletter. We cover all things workplace and management — plus exclusive reporting on trends, tips and what’s coming next. One-click sign up at www.ft.com/newsletters We love to hear from you. What do you like (or not)? What topics should we tackle? Email the team at [email protected] or Isabel directly at [email protected]. Follow @isabelberwick on Twitter. Subscribe to Working It wherever you get your podcasts — please listen, rate and subscribe! Presented by Isabel Berwick. Editorial direction from Renée Kaplan and Manuela Saragosa. Assistant producer is Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music. Produced by Novel. Hosted on Acast. See acast.com/privacy for more information.

Introducing Behind the Money. This is part 1 of 2 in a mini-series on crypto. Part 2 is available now here: https://link.chtbl.com/BTMMCFirst up, we're wondering: is a crypto vibe shift underway? Bitcoin’s price has been dropping for weeks and earlier this month, a popular stablecoin collapsed. FT reporter Ethan Wu explains how the effects of that rippled into other areas of the crypto universe. Michela and Ethan will talk about what stablecoins are and why they matter — even for people who aren’t crypto investors. Hosted on Acast. See acast.com/privacy for more information.

Rishi Sunak has just unveiled a £15bn support package to help households as the average UK energy bill is predicted to hit £2,800 a year. Even with the chancellor’s help, plenty of people will still be feeling the pinch - but this episode is packed with practical tips and advice to help you save on your energy bills. Presenter Claer Barrett hears from Bella who is renting a draughty Victorian flat, and wants to know her rights before she tackles her landlord. Homeowner Sam has seen his bills skyrocket, and wonders if insulating his property would be a wise investment. On hand with tips for Bella and Sam are Gemma Hatvani, founder of the Facebook group, Energy Support and Advice UK, and Brian Horne, a senior advisor at the Energy Saving Trust.If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media - she’s @ClaerB on Twitter, Instagram and TikTok. To read a free FT.com article about how the new energy help measures will work, click here: https://on.ft.com/3lQlGPz Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Hosted on Acast. See acast.com/privacy for more information.

This month’s crash in the value of cryptocurrencies has wiped out investments for people all over the world. In Bangalore, 29-year-old Subbaiah watched in horror as his $7,000 crypto holdings in luna and terra collapsed. Even investors holding other cryptocurrencies as part of a diversified portfolio are feeling the sting.Scott Chipolina, the FT’s digital assets correspondent, and Ilan Solot, a partner at crypto group Tagus Capital, discuss what the future could hold for crypto as an asset class, what more could be done to protect consumers — and the steps investors can take to protect themselves.If you’ve lost money in the crash and need to talk to someone, here’s a link to the Reddit thread containing all of the national helplines you could turn to for support: https://www.reddit.com/r/terraluna/comments/un57df/for_everyone_panicking_here_are_some_national/Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

Behind the Money is back with all-new episodes! From hostile takeovers to C-suite intrigue, Behind the Money takes you inside the business and financial stories of the moment with reporting from Financial Times journalists around the world. The podcast returns May 25. You can follow the show now! Hosted on Acast. See acast.com/privacy for more information.

If you hated maths at school, does it follow that you’ll be bad at managing money as an adult? Money Clinic host Claer Barrett hears from Jade, a 21-year-old self-employed graduate, who says even thinking about numbers makes her feel anxious, bringing back memories of not knowing the answer in school maths lessons. In her adult life, it’s affecting Jade’s ability to manage her finances, particularly as the cost of living rises. But Jade’s problem is far from uncommon — half of working-age adults in the UK have the numeracy skills expected of a child at primary school – and ahead of National Numeracy Day on Wednesday May 18, Money Clinic hears from a trio of experts on how to improve your numeracy skills. They are Bobby Seagull, the TV personality and Britain’s most famous maths teacher, Mr MoneyJar, aka Timi Merriman-Johnson, and Suzanne Dale, who teaches adult numeracy in the workplace.To take the 10-minute National Numeracy Challenge and download many other free resources, visit the National Numeracy website: https://www.nationalnumeracy.org.uk/challenge/Got a money issue that you’d like to talk to us about? Please email the team via [email protected] or send Claer a DM on social media - she’s @ClaerB Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

A year ago, 24-year-old Evvia, a full-time care assistant in Norwich, started a vintage knitwear business from her bedroom. Today, her Loupy Studio label has more than 40,000 followers on Instagram, and she’s receiving orders from all over the world. Evvia’s creations are in such hot demand she’s going to have to scale back her hours at her day job — but she wonders how this might knit together financially.Money Clinic host and FT consumer editor Claer Barrett gets advice from Jo Ellison, editor of the FT’s How to Spend It, about whether Evvia should increase her prices, and the financial challenges facing young designers. Plus, chartered accountant Deborah Edwards from Raised Up Finance unravels important questions about tax, different company structures and how entrepreneurs like Evvia can develop a growth mindset for their businesses.To listen, click on the link above, or search for Money Clinic wherever you get your podcasts.If you would like to be a future guest on the show, please email [email protected] or follow Claer on social media @ClaerB Check out last season’s episode about side hustles here and here Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Hosted on Acast. See acast.com/privacy for more information.

Buying your first home is one of the biggest financial decisions you’ll ever have to make, so how can you prepare for it? On the Money Clinic podcast this week, presenter Claer Barrett meets a couple  — 29-year-old Alex and her partner 31-year-old Sarah — who are midway through their property buying journey. They have lots of questions: Did they get the right kind of mortgage? Should they prepare for unexpected costs? And what other financial questions should they consider before signing on the dotted line? Claer sources advice from Daniel Knott, the mortgage broker who posts as @DanDoesMortgages on Instagram, as well as Jo Little, who runs chartered financial planning firm Emery Little. If you would like to be a guest on a future episode, you can email the team at [email protected] or drop @ClaerB a DM on Twitter, Instagram or TikTok.Follow Dan on social media @DanDoesMortgages You can read Jo Little’s blog here: https://emerylittle.com/author/joannalittle/This free to read FT article goes into more detail about the legal aspects of joint property ownership: https://www.ft.com/content/f321264f-bb8e-472b-9f95-a4bd26b6d89bThis will help you find out how much you might have to pay in stamp duty: https://www.which.co.uk/money/mortgages-and-property/home-movers/stamp-duty/stamp-duty-calculator-ar7uu5s1fycxPresented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

How financially compatible are you as a couple? On Money Clinic podcast this week, presenter Claer Barrett meets newly-weds Sahil and Priya, who have very different attitudes to money.Sahil is a spender and a high-risk investor. Priya is a diehard saver who finds it hard to enjoy spending her hard-earned cash. The couple want to iron out their financial differences, but confess that conversations about money often end in arguments or nagging.Financial psychotherapist Vicky Reynal examines the roots of the couple’s attitudes to money and suggests how they could move forward. Ken Okoroafor, money expert and co-founder of The Humble Penny website, advises how couples can communicate and work towards shared financial goals. If you have a money question you’d like to see tackled on the show, email [email protected] or send Claer a DM on social media - she’s @Claerb on Instagram, Twitter and TikTok. Follow Ken on Instagram https://instagram.com/thehumblepenny and visit his website at https://thehumblepenny.com. Find Vicky here: https://www.reynal-psychotherapist.co.uk/And for more ideas, check out Claer’s free to read FT column: Six ways to manage money - and not fall out with your partner: https://on.ft.com/35qQJZdPresented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Hosted on Acast. See acast.com/privacy for more information.

Record inflation! Soaring energy prices! Tax rises! Those are the gloomy economic and financial headlines, but three-quarters of the readers who answered an FT poll said they expected their bonus to be bigger, or substantially bigger, than last year’s.  If you’re lucky enough to be one of those people, this episode is for you, because the squeeze on living standards and turbulent world markets mean it’s even more important to use your bonus wisely.Claer is joined in the FT studio by three experts, FT columnist and former investment banker James Max, Nimesh Shah, chief executive of tax specialists Blick Rothenberg, and Susannah Streeter, senior investment and markets analyst at Hargreaves Landsdown. The three of them give their views on the comments from the FT readers who bravely bared their financial souls to tell us whether they intended to spend, save or invest their bonus.If you would like to be a future guest on Money Clinic podcast, please email the team via [email protected] or follow Claer on social media @Claerb. Read the results of Claer’s bonus season survey here: https://www.ft.com/content/4deb9688-5c35-4d4b-a364-a43e0d000995James Max on how to get a bigger bonus: https://www.ft.com/content/aacbd190-535c-47dc-8046-b9ea31415acaWant advice getting a pay rise? Listen to this episode of Money Clinic: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837dPresented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Hosted on Acast. See acast.com/privacy for more information.

Why does the crew of the world’s biggest rock band have its own financial literacy programme? Well, life in the music industry is rife with financial instability - workers are often on short-term contracts, missing out on employee benefits such as pension savings and health insurance. A tour can stop at the drop of a hat - when a rockstar breaks their leg, or a pandemic hits - and workers are left without any income.That's why, when the retirement planning nonprofit, Alliance for Lifetime Income, became the Stones tour's latest sponsor, production manager Dale Skjerseth came up with an idea for helping the younger roadies manage their money better. This episode is packed with financial tips for budgeting and long-term saving, especially for gig and short-term contract workers. Featuring Stones roadies Nick and Dale, and Alliance for Lifetime Income chief executive Jean Statler.If you would like to be a future guest on Money Clinic podcast, please email the team via [email protected] or follow Claer on social media @Claerb. Check out Claer’s column ‘The mere thought of retirement stresses me out’ ​​https://www.ft.com/content/d44f0e55-5726-47f3-af31-bfc49aae0e16And her free to read retirement planning guide for readers of all ages - How Covid-19 rebooted retirement: https://www.ft.com/content/2984f010-3496-4859-875d-deb23edcd2baCIf you’re in the US, you can access loads of information about saving for retirement on the website of the Alliance for Lifetime Income - https://www.protectedincome.org/You can also delve into the Money Clinic back catalogue. Our previous episodes include getting started in investing: https://www.ft.com/content/e035ebf1-a9ff-4057-a1bb-591f2be296e4Sorting out your pension: https://www.ft.com/content/99d962b7-dd15-4a7c-a3c8-40ba883ea1beAnd financial tips for the self employed: https://www.ft.com/content/9889e9c6-1168-4a5d-b5a6-8ab84ea36c92 Hosted on Acast. See acast.com/privacy for more information.

Ashley dreams of owning his own home, but is well aware that the cash he is saving for a deposit is at the mercy of rising inflation. Would he be better off investing his money in his pension, in stocks and shares, or should he stay focused on getting on the property ladder?Expert guests Paul Johnson, director of the Institute for Fiscal Studies, and Jason Butler, financial guru and FT columnist, have lots to say about the challenges facing younger investors, and offer tips for devising a long-term financial strategy.If you would like to be a future guest on Money Clinic podcast, please email the team via [email protected] or follow Claer on social media @Claerb. To read Claer’s FT column about how 20-somethings are being forced to choose between targeting property or pensions, click on this link: https://www.ft.com/content/2815d35d-2297-4712-a4c5-0178de343eb1 To hear Claer chatting to Paul Johnson in-depth about the pensions challenges facing young people on the IFS podcast, click here: https://ifs.org.uk/podcast/should-people-be-saving-more-for-retirement To listen to our previous episode ‘How to get a pay rise’, click here: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d You may also be interested to hear our previous episode about using the Lifetime Isa or Help to Buy Isa to save up for a property: https://www.ft.com/content/bf08da37-7901-4446-811b-ceef108824b4 Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

With so many investing options out there, getting the right balance for your portfolio can be difficult. So this week presenter Claer Barrett has invited two listeners in for a portfolio makeover. Thirty-seven-year-old James holds UK-focused equities in his stocks and shares Isa. He was doing well, but market movements and rising inflation have made him think he might need to diversify. Thirty-four-year-old Gillian has taken a different approach, investing as much as she can into her company pension. However, she hasn’t paid much attention to what her pension is actually invested in.Investment experts Rosie Carr, editor of the Investors Chronicle, and Russ Mould, investment director at AJ Bell, give their views on how James and Gillian can get the best out of their investments. Tips include how investors can manage the threat of rising inflation, different ways of approaching asset allocation and building a diversified portfolio.If you want to hear more about how to get started on your investment journey, try this episode of Money Clinic:  https://www.ft.com/content/e035ebf1-a9ff-4057-a1bb-591f2be296e4Want to talk to Claer on the show? Email [email protected] or drop her a line on Instagram @ClaerbFinally, Money Clinic is a general discussion about investment topics, and does not constitute an investment recommendation or individual financial advice. Your capital is at risk when you invest.Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Hosted on Acast. See acast.com/privacy for more information.

Investors traditionally turn to gold as a ‘haven investment’ during volatile times so it will come as no surprise that Russia’s invasion of Ukraine, as well as rising global inflation, have caused a jump in its price. But there are many ways to invest in gold and in this episode, presenter Claer Barrett, the FT’s consumer editor, visits the vault of a gold shop in Mayfair and speaks to FT columnist Merryn Somerset Webb about what role gold can play in an investment portfolio.Read Merryn’s column at https://www.ft.com/merryn-somerset-webbPresented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.  Hosted on Acast. See acast.com/privacy for more information.

Next month has been dubbed ‘Awful April’ as the cost of pretty much everything is going up — but is your budget ready to withstand the strain? 22-year-old podcast listener Lil is worried about how she’ll cope with higher energy bills, rising rent and bigger food bills at the supermarket — not to mention National Insurance increases and changes to her student loan repayments. She’s already pretty thrifty — so can presenter Claer Barrett come up with more ways that Lil could stretch her money further?Charlotte Jessop, founder of the website Looking After Your Pennies, explains easy ways everyone can get to grips with budgeting and saving money, as well as ideas for boosting your income. Plus, Claer visits the home of Miguel Barclay, better known on Instagram as the £1 chef, to see what budgeting tips he’s been cooking up in his latest book.You can follow all of the podcast experts on Instagram: @Claerb, @lookingafteryourpennies, @miguelbarclay To make the fried rice recipe Miguel cooked up for Claer, click here: https://www.youtube.com/watch?v=JT2bzS-vnF4Here’s the link to claim tax relief worth up to £125 if you’ve worked from home in the UK: https://www.gov.uk/tax-relief-for-employees/working-at-homeTo listen to our previous episode How to get a payrise, click here: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837dCharlotte’s recommended websites that offer small payments for completing consumer surveys include YouGov, Prolific and UserTesting.Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Hosted on Acast. See acast.com/privacy for more information.

From the highs and lows of crypto, to weathering the cost of living crisis, to your financial compatibility with your partner - Money Clinic is here to help you feel more in control of your finances.New episodes every Tuesday from March 15.Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Hosted on Acast. See acast.com/privacy for more information.

REPEAT: This week, Money Clinic is having a pay rise takeover - we’ll be pulling apart that big, scary box labelled ‘Asking for a pay rise’ - and unpacking the dos, the don’ts, the tips and tricks for getting the salary you think you are worth.Visiting our pay-rise clinic today are three podcast listeners with three different financial predicaments: Natalie keeps getting knocked back when she asks for a raise; Max knows that he could get paid more elsewhere, and Charlotte is trying to negotiate a bonus that really matches the effort she puts into her job. With expert advice from Isabel Berwick, the Financial Times’ work and careers editor and presenter of the Working It podcast, and Jonathan Black, director of the University of Oxford’s careers service and the brains behind the FT’s popular ‘Dear Jonathan’ advice column, this is a podcast you can’t afford to miss. Listen and subscribe to the Working It podcast: https://link.chtbl.com/0mRZG4fxCheck out the Dear Jonathan column: https://www.ft.com/dear-jonathanPlus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1cWant to be a future guest? Email us at [email protected] or reach out to Claer on Instagram and Twitter: @ClaerB. Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner. Hosted on Acast. See acast.com/privacy for more information.