Episodi
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Ramin Nakisa from PensionCraft is back. Like me he’s spent years explaining why investing 100% in global equities works. But recently, he changed his portfolio, cutting his exposure by almost half. What changed? And what might make him change his mind again?
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Sorry, the retirement features aren’t quite ready yet (we had to keep that ending!) but you can still get help from our AI here: https://makingmoney.email/AI
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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’s the best kind of stock market for a new investor? Most people assume you want years of rising prices. But Andrew Clare, who’s spent decades researching investing, says that’s not always true.
Here’s Andrew’s paper: https://doi.org/10.3905/jor.2025.1.180
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–
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’s the best kind of stock market for a new investor? Most people assume you want years of rising prices. But Andrew Clare, who’s spent decades researching investing, says that’s not always true.
Here’s the paper we discuss: https://doi.org/10.3905/jor.2025.1.180
🤝 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
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Vanta - Get your company secure and compliant: https://vanta.com/makingmoney
Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney
-
If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.Andrew's book 'The Old Lady': https://amzn.eu/d/04k9AsrO -
Episodi mancanti?
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Megan was in her early 30s when she and her partner finally faced up to more than 14 years of debt. After years of overdrafts, credit cards and quietly spiralling finances, they confronted nearly £40,000 they owed. Megan documented their journey out of debt (@that_girl_in_debt), and now they’ve taken their first steps into investing and hope to save £40,000.
Do you have your own story about money, investing, or financial mistakes? We’d love to hear it: https://makingmoney.email/listener-story-form
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–
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 UK has some of the most expensive household electricity in the world. Why are energy bills so high, and will they ever come down? The price you pay is shaped by rules set by Ofgem, the UK’s energy regulator. Neil Kenward is their Interim Director General of Markets. Thank you to everyone who sent in a question!
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–
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. -
Chris Budd is a former financial planner who believes we’re building wealth in completely the wrong way.
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–
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.
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Click here to listen to Pete Matthew's episode with us we mention at the end:
https://pod.link/1674547187/episode/YjExYWMyNmUtYmQ0Zi0xMWVmLTg0NmYtMWJiZjQ1NWRhNWJm?view=apps&sort=popularity -
70% of people don’t budget which means there’s an opportunity for you to be better than most. A budget helps you navigate from the financial stage you’re at now to the one you want to get to, whatever your goal is. We’re here to find out how to budget, but first of all, let’s find out what Damo and T are wasting their money on...
*This episode was originally published in May 2023
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–
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 1995, Nick Leeson brought down the UK’s oldest merchant bank, Barings, with £862 million in hidden losses. The final hit to Barings was £827 million, triggering one of the biggest financial collapses in history. He explains how it really happened and how things spiralled over time. Was it fear of failure, the pressure to succeed, or something deeper that kept him going?
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–
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 you actually afford to buy a home right now? And if you can, should you? Eddie Ross is co-founder of Tembo Money, a mortgage broker that helps first-time buyers get on the ladder. He answers your questions about affordability, how mortgages actually work today, what’s happening with LISAs and covers some of the lesser-known options that most people don’t talk about.
🏡 Here’s the link Eddie mentioned to check your affordability online: https://makingmoney.email/tembo
*This episode was recorded in March 2026 and some data might have changed since then
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–
If you purchase a product or service using one of the links above (including Tembo Money), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may 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 professor Mo Milevsky explains why your “human capital” (your career, income, and life choices) should shape how you invest both when you're building wealth and when in retirement and why most people are taking the wrong kind of risk.
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Vanta - Get your company secure and compliant: https://vanta.com/makingmoney
Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney
–
If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. -
Have you ever felt it is too late to start investing? Dave is 46, and he started investing at 44. He’s just managed to max out his ISA this year. How did he do it?
Thank you to everyone who entered the competition, the winners have now been contacted. Thank you so much for listening and also a big thanks to Andrew Craig, the author, for kindly providing an additional five copies.
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–
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. -
Will your pension actually be enough for retirement? Or are you heading for a shortfall without realising it? Al Miles is an investment actuary who has analysed the UK pension system, and found that millions of workers will fall short of what they need for retirement. But she didn’t stop there. She’s also looked at ways we can fix it.
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–
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.
Here are the papers we reference:
Retirement Reimagined: https://aca.org.uk/wp-content/uploads/Retirement-reimagined-securing-lifelong-financial-independence-for-all.pdf
How Much Could You Lose? https://actuaries.org.uk/media/zdhn5xl3/how-much-could-you-lose-report.pdf -
The S&P 500 once delivered 17 years of zero real returns. Could it happen again? Jim Reid is the Global Head of Macro Research at Deutsche Bank. In a recent report, The Ultimate Guide to Long-Term Investing, his team analysed data from 56 countries over 200 years.
You can read the full report on the Deutsche Bank Research Institute website: https://www.dbresearch.com/PROD/RI-PROD/PDFVIEWER.calias?pdfViewerPdfUrl=PROD0000000000607211&rwnode=REPORT
*All figures were correct at time of recording but may have changed.
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–
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. -
More than half of adults in the UK don’t have a will. So what happens if you die without one?
Sam Grice is CEO of Octopus Legacy.
If you don't have a will like T, you can get one here: https://makingmoney.email/OctopusLegacy
Correction: Outside of the free wills campaign, the cost for a simple will is £150, and a will with trust is £450
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–
If you purchase a product or service using one of the links above (including Octopus Legacy), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, 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. -
Susan wrote into us: What do you think of the ‘Die with Zero’ philosophy by Bill Perkins? I know many people who work so hard that they never get to enjoy retirement. There are three widows in my gym group in their 50s. I also know many people hoarding money in their late 70s, frightened to spend anything.
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Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney
–
If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. -
Timothy Armoo was twenty seven when he sold his company Fanbytes for tens of millions of pounds. He’s written the book he wish he’d had when he was starting out (https://amzn.eu/d/05juET3K)
💬 Do you have a money story you'd like to share on the podcast?
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🎉 Sponsors
Vanta - Get your company secure and compliant: https://vanta.com/makingmoney
Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney
–
If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.
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If you want to listen to the episode on how to get a payrise, you can listen here: https://pod.link/1674547187/episode/M2YxYjlmNTItMGJkNC0xMWYwLWE2ZDUtODc4YzU3NDEwYzY2?view=apps&sort=popularity
*Jesse Itzler is the founder of Marquis Jets not Net Jets -
What if you live longer than you expect? Can you make your money last in retirement? Marianna Hunt is a personal finance specialist at Fidelity International. She’s looked at how you can actually plan for it.
Here’s our compound calculator: https://makingmoney.email/compound-interest-calculator
🤝 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
❓Survey - how are you saving for your future?
https://makingmoney.email/survey
🎉 Sponsors
Vanta - Get your company secure and compliant: https://vanta.com/makingmoney
Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney
–
If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.
I mention my video featuring Marianna - here it is: https://youtu.be/hfS9LRCOzik?si=IR8PzDmX0p9DMqzZ
Fidelity's report on longevity: https://www.fidelity.com.sg/news-and-insights/the-longevity-revolution-preparing-for-a-new-reality
Chapters:
00:00 - Do You Need Help With A Financial Decision? Promo
01:05: How To Live To 100
07:54 - The Chance You Live To 100
11:02 - The Longevity Problem
16:49 - Tide Ad
17:46 - Can You Work Longer?
21:17 - Making Your Money Last
24:30 - Inflation Is The Silent Killer
30:35 - What If You Can’t Work Longer?
33:41 - Vanta Ad
34:48 - How Many Are Healthy Years?
39:19 - What Kind Of Care Do You Want?
46:09 - Longevity Isn’t A Problem
51:16 - How To Prepare For Living Longer -
Is slow population growth going to change your retirement? Amlan Roy is an expert in demographics and has advised governments all over the world. He says the way our population is changing is at the heart of all the big issues we’re facing today, not just pensions.
You can get Amlan’s book ‘Demographics Unravelled’ here: https://a.co/d/0gyPSQbi
💬 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
❓Survey - how are you saving for your future?
https://makingmoney.email/survey
🎉 Sponsors
Vanta - Get your company secure and compliant: https://vanta.com/makingmoney
Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney
–
If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.
Chapters:
00:00 - Is Age The Only Factor?
05:25 - Vanta Ad
06:30 - The Ageing Time Bomb
11:57 - Immigration As A Tool
15:20 - Tide ad
16:20 - Fertility Rates
20:27 - Staying In Work Longer
23:10 - Means-Tested State Pension
28:10 - How Much Does a 20 Year Retirement Cost?
33:00 - When Will The Problem End?
35:58 - Where Will You Retire? -
Are you being misled about the state of the UK economy? What really went wrong? And how do we fix it? Vicky Pryce was a top economist inside the civil service, and worked for years in the private sector. Her latest book is Mismanaged Decline: What Politicians Won't Tell You About the Economy (https://amzn.eu/d/0kD8EVO).
💬 Do you have a money story you'd like to share on the podcast?
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🤝 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
❓Survey - how are you saving for your future?
https://makingmoney.email/survey
🎉 Sponsors
Vanta - Get your company secure and compliant: https://vanta.com/makingmoney
Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney
–
If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.
Chapters:
00:00 - Ad - Do You Need Help With A Financial Decision?
01:07 - Why Do Politicians Lie?
11:15 - Investment
17:21 - Tide ad
18:31 - Productivity
26:25 - Austerity and Brexit
31:51 - Vanta ad
31:56 - How To Fix The UK
41:13 - How Much Waste Is There?
49:16 - The Taxpayer Always Pays
01:02:14 - What’s Going To Change It? -
What if personal finance wasn’t just complicated, it was actually rigged against you, Tarun Ramadorai, professor of financial economics at Imperial College London, has advised central banks and sovereign wealth funds. And he’s co-written a book ‘Fixed: Why Personal Finance Is Broken and How to Make It Work for Everyone’.
💬 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
❓Survey - how are you saving for your future?
https://makingmoney.email/survey
🎉 Sponsors
Vanta - Get your company secure and compliant: https://vanta.com/makingmoney
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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.
Chapters:
00:00 - The System Is Fixed
12:21 - The Broken UK Mortgage Market
20:39 - Vanta Ad
21:44 - How To Fix This?
31:21 - Who This Affects The Most
39:43 - TaxZap ad
40:58 - How To Beat The Insurance Industry
51:01 - Get The Basics Right
59:45 - Financial Education Isn’t Enough
01:05:37 - The Countries We Need To Learn From -
Ask anyone who the world’s best investor is, chances are, they’ll say Warren Buffett. Every move he makes makes headlines. Together with Charlie Munger, he built Berkshire Hathaway, one of the biggest names in the S&P 500. Now that he’s stepped down as CEO, we’ve invited Glen Arnold, who literally wrote the book, in fact, all four books of The Deals of Warren Buffett.
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Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes
❓Survey - how are you saving for your future?
https://makingmoney.email/survey
🎉 Sponsors
Vanta - Get your company secure and compliant: https://vanta.com/makingmoney
Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney
–
If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.
Chapters:
00:00 - Franchise Exhibition ad
00:40 - His First Investment
04:44 - 3 Rules
09:45 - High Reward But Low Risk
13:00 - Taxzap ad
14:15 - Charlie Munger
20:39 - Circle of Competence
26:02 - Vanta ad
27:09 - Diversification
31:45 - His Biggest Mistake?
40:13 - Barrier To Entry
46:40 - Warren Buffett’s Failure
52:11 - A Fragile Ego?
57:36 - How Would He Invest Now?
01:01:49 - Who Is The Greatest Investor? - Mostra di più
