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. 🤝 Want help planning your future from a financial advisor? Get personal support: https://makingmoney.email/financial-advisors-audi...
Sep 16, 2024•1 hr 6 min
Naomi Greatorex is the Managing Director of insurance broker Heath Protection. It’s not pleasant thinking about dying or getting seriously ill, but what happens if terrible things happen to us? If you have any questions, you can ask Naomi here: contactus@heathprotection.co.uk https://heathprotection.co.uk/ 🎉Sponsors Vanta - Get your company secure and compliant, with $1k off: https://vanta.com/makingmoney. Tide - Get 3.81% AER variable on your business savings. Use this link https://www.tide.co...
Sep 09, 2024•58 min•Season 4Ep. 9
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* 🤝 Want help planning your future from a financial advisor? Get personal support: https://makingmoney.email/fin...
Sep 02, 2024•1 hr 20 min•Season 4Ep. 8
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? 🤝 Want help from a financial advisor? We’ve teamed up with advisors we like so you can get 1:1 support from a professional. Learn more: https://makingmoney.email/financial-advisors-audio 📧 Free guides on personal finance Learn how to build long-term wealth in the UK: https://linktr.ee/making...
Aug 26, 2024•9 min
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? 🤝 Want help from a financial advisor? We’ve teamed up with advisors we like so you can get 1:1 support from a professional. Learn more: https://makingmoney.email/financial-advisors-audio 📧 Free guides on personal finance Learn how to build long-term wealth in the UK: https://linktr.ee/makingmoneypod ...
Aug 19, 2024•12 min
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) 🤝 Want help from a financial advisor planning your future? Get personal supp...
Aug 12, 2024•1 hr 19 min•Season 4Ep. 7
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.’ 🤝 Want help from a financial advisor planning your future? Get personal support: https://makingmoney.email/financial-advisors-audio ⛑️ Free guides & financial health check Learn how to build long-term wealth in the UK: ht...
Aug 05, 2024•1 hr 14 min•Season 4Ep. 6
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. 🤝 Want help from a financial advisor planning your future? Get personal support: https://makingmone...
Jul 29, 2024•1 hr 18 min•Season 4Ep. 5
Women are so much worse off with their pensions than men - to the tune of about £100k on average. What is going on and how do we fix it? We're speaking to Emilie Bellet the Founder and CEO of Vestpod, a digital platform and community that empowers women financially through education 🤝 Want help from a financial advisor planning your future? Get personal support: https://makingmoney.email/financial-advisors-audio ⛑️ Free guides & financial health check Learn how to build long-term wealth in the ...
Jul 22, 2024•59 min•Season 4Ep. 4
We think facts are always helpful because they're the truth but that's only half the story when it comes to our finances. Alex Edmans is an economist and Professor of Finance at the London Business School. His book ‘May Contain Lies’ explains how our biases are exploited and what we can do about it. 🤝 Want help from a financial advisor planning your future? Get personal support: https://makingmoney.email/financial-advisors-audio ⛑️ Free guides & financial health check Learn how to build long-te...
Jul 15, 2024•1 hr 6 min•Season 4Ep. 3
We can’t talk enough about the pension’s crisis. Most people aren’t saving enough for the life they are going to want and something has to be done about it. We cover the big questions: why is there a problem, how much we really need to be saving and will the state pension even exist when you retire? Tom McPhail is a pensions industry expert. A former Head of Policy at Hargreaves Lansdown, he now works for finance consultancy firm Lang Cat. 🤝 Want help from a financial advisor planning your futu...
Jul 08, 2024•1 hr 11 min•Season 4Ep. 2
We've got news - we've started a new company called Most and have bought the Making Money podcast from Kindling Media. You can check out Most here: https://getmost.co.uk/. If you want us to come into your workplace to give a financial education, email Will on will@getmost.co.uk.
Jul 07, 2024•10 min
As a trader, Patrick Boyle spent decades looking at data and using it to try to predict what’s going to happen. Now he is an ex-hedge fund trader and one of the biggest finance YouTubers in the world. He explains what he thinks will happen over the next 10 years in investing and whether Brexit is really to blame for the UK’s economic woes. 🤝 Want help from a financial advisor planning your future? Get personal support: https://makingmoney.email/financial-advisors-audio ⛑️ Free guides & financia...
Jul 01, 2024•1 hr 23 min•Season 4Ep. 1
You asked us: As parents, how do you cope with cost of parenting? How do we get politicians to listen to our financial concerns? 🤝 Want help from a financial advisor? We’ve teamed up with advisors we like so you can get 1:1 support from a professional. Learn more: https://makingmoney.email/financial-advisors-audio 📧 Free guides on personal finance Learn how to build long-term wealth in the UK: https://linktr.ee/makingmoneypod ⛑️ Check your financial health https://makingmoney.email/health-chec...
Jun 24, 2024•8 min
You asked us: What do you do to stop yourself overly worrying about your financial future? I’d really like to start investing, but I don’t know whether I should use my bank’s ISA plan or maybe open a Vanguard or Trade 212 account? Or both? 🤝 Want help from a financial advisor? We’ve teamed up with advisors we like so you can get 1:1 support from a professional. Learn more: https://makingmoney.email/financial-advisors-audio 📧 Free guides on personal finance Learn how to build long-term wealth i...
Jun 17, 2024•9 min
You asked us: When I started work the advice was to buy a house and then worry about your pension, is that still true? Is investing in the US is effectively investing globally? 🤝 Want help from a financial advisor? We’ve teamed up with advisors we like so you can get 1:1 support from a professional. Learn more: https://makingmoney.email/financial-advisors-audio 📧 Free guides on personal finance Learn how to build long-term wealth in the UK: https://linktr.ee/makingmoneypod ⛑️ Check your financ...
Jun 10, 2024•10 min
You asked us: Is it too late to start investing at 50? How do you save during the cost of living crisis? 🤝 Want help from a financial advisor? We’ve teamed up with advisors we like so you can get 1:1 support from a professional. Learn more: https://makingmoney.email/financial-advisors-audio 📧 Free guides on personal finance Learn how to build long-term wealth in the UK: https://linktr.ee/makingmoneypod ⛑️ Check your financial health https://makingmoney.email/health-check-audio This is not fina...
Jun 03, 2024•15 min
Can you really get rich by cutting costs? Is the 4% rule right for everyone? What are the biggest mistakes we make when it comes to tax? Chris Bourne has worked in the finance industry for over 20 years and is a personal finance YouTuber. We got him on to talk about our biggest misconceptions about building wealth and how we can do it in the most tax efficient way. 🤝 Want help from a financial advisor planning your future? Get personal support: https://makingmoney.email/financial-advisors-audio...
May 20, 2024•48 min•Season 3Ep. 12
If capitalism continues to go uncontrolled it will destroy democracy, says Martin Wolf, Chief Economics Commentator at the Financial Times. In his book 'The Crisis of Democratic Capitalism' he argues that market capitalism and democracy rely on each other to function but that both are failing. How did we get here, what’s at stake, and is there anything we can do? Martin’s book: https://amzn.to/3UQgBZM 🤝 Want help from a financial advisor planning your future? Get personal support: https://makin...
May 13, 2024•1 hr 17 min•Season 3Ep. 11
Are Global Index Funds too exposed to the US tech sector? Would it be better to just be invested in those companies and get much higher returns? What happens if everyone was a global index investor? Recently Damo did a video on his channel in response to an increase in articles raising concerns about Global Index Funds (https://www.youtube.com/watch?v=nz0Ecl_QnXk). He talks T through those concerns and answers your biggest questions. You can listen to our step step by step guide to index fund in...
May 06, 2024•39 min•Season 3Ep. 10
Tom Morgan has worked in the financial advice industry for 12 years. Recently he decided to go it alone as a financial advisor because he has big concerns about how the industry works. 🤝 Want help from Tom planning your finances? Email hello@getmost.co.uk for more info. ⛑️ Free guides & tools on personal finance Learn how to build wealth in the UK: https://linktr.ee/makingmoneypod 🎉Sponsors Vanta - Get your company secure and compliant, with $1k off: https://vanta.com/makingmoney Tide - Get 3....
Apr 29, 2024•59 min•Season 3Ep. 9
How do younger generations deal with the financial challenges they’ve been dealt? And is it really harder than it was for their parents? Iona Bain is a writer, speaker, broadcaster and author of ‘Own It: How our generation can invest our way to a better future’. She started the Young Money blog in 2011 to help young people get to grips with personal finance and is currently BBC Morning Live’s money expert. You can get Iona’s book here: https://amzn.to/4d0b0qW 🤝 Want help from a financial adviso...
Apr 22, 2024•1 hr 6 min•Season 3Ep. 8
How do politicians escape accountability for their lies? Why is there wasteful spending on poorly conceived projects that aren’t based on evidence? How has a tax system been created that is more than confusing? Ian Dunt is a political writer and commentator who's just written a book called ‘How Westminster Works...and Why It Doesn’t’. Ian’s book: https://amzn.to/4asCi7F 🤝 Want help from a financial advisor planning your future? Get personal support: https://makingmoney.email/financial-advisors-...
Apr 15, 2024•1 hr 25 min•Season 3Ep. 7
What does the recent history of crypto teach us about it today? FT Journalist Joshua Oliver won awards for his reporting of the collapse of FTX, the crypto exchange founded by Sam Bankman-Fried, known as SBF, who was sentenced to 25 years in prison for fraud and related crimes in March 2024. Joshua has written a book on it which you can find here: https://amzn.to/3xjRq8B Listen to part one of our crypto episodes ‘We need to talk about crypto’ here: https://link.chtbl.com/6snSImh1 This is not fin...
Apr 08, 2024•1 hr 8 min•Season 3Ep. 6
Where is the value in cryptocurrencies like Bitcoin and Ethereum? Can they help returns without introducing too much risk? Is Bitcoin getting more stable? If you want to invest, where do you do it? Tom Rodgers is a freelance financial writer and analyst specialising in cryptocurrency. He is the former Head of Research for ETC Group, which runs the biggest Bitcoin fund in Europe. For more from Tom: https://chartingfutures.substack.com/ Here is the report referenced in the episode that looks at th...
Apr 01, 2024•1 hr 13 min•Season 3Ep. 5
In today's capitalism, who truly holds the reins of power? Merryn Somerset Webb is a Senior Bloomberg columnist and former editor of Money Week. In her book Share Power, she argues we, investors, need to take back control of our votes in the companies we own. She also believes that the next decade for investors will be dramatically different to the last. You can buy Merryn’s book here: https://amzn.to/3ToHRg9 🤝 Want help from a financial advisor planning your future? Get personal support: https...
Mar 25, 2024•1 hr 6 min•Season 3Ep. 4
Do you invest in bonds? You might not realise it but you probably do. If you have a workplace pension the default is to invest you in both stocks and bonds. But is this actually the right way to build long-term wealth? Ramin Nakisa from the PensionCraft YouTube channel, and friend of the podcast, is a fan of bonds. That doesn’t mean he thinks they’re always the right choice but he believes they can be useful in particular scenarios. 🤝 Want help from a financial advisor planning your future? Get...
Mar 18, 2024•1 hr 9 min•Season 3Ep. 3
What would you do if you were scammed? Do you know what kinds of things the banks look for when evaluating if you should get your money back? Katie Morley is consumer champion for the Telegraph. She’s won back around 10 million pounds for scam and fraud victims including those who should have been protected but weren’t. You can contact Katie at: katie.morley@telegraph.co.uk **You usually have up to 6 years to complain to the financial institution - then you must go to the financial ombudsman wit...
Mar 11, 2024•46 min•Season 3Ep. 2
If you could do more with your time, what could you accomplish? Ali Abdaal started his YouTube channel as a side hustle while he was a medical student. He now has over 5 million subscribers and makes 5 million pounds a year.. An expert in productivity, he’s literally written a book on it, the New York Times bestseller ‘Feel Good Productivity’. You can order Ali’s book here: https://amzn.to/3URBIvg 🤝 Want help from a financial advisor planning your future? Get personal support: https://makingmon...
Mar 04, 2024•1 hr 8 min•Season 3Ep. 1
You asked us: Are you shooting yourself in the foot by investing in ESG (environmental, social and governance) funds? Should you sell your Pokemon card collection to invest in index funds? -- 🤝 Want help from a financial advisor? We’ve teamed up with advisors we like so you can get 1:1 support from a professional. Learn more: https://makingmoney.email/financial-advisors-audio 📧 Free guides on personal finance Learn how to build long-term wealth in the UK: https://linktr.ee/makingmoneypod ⛑️ Ch...
Feb 26, 2024•16 min
