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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). 🤝 Want 1:1 help from a finance professional? Answer a few questions to find the right service & book free call: https://makingmoney.email/call-with-will 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney Tide - Get up to 4% AER variable and 3 months of Pro plan for free: https://www.tide.co/offers/makingmoneypro/ New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/. – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. 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’. 🤝 Make the most of your money with our financial adviser service - book a free consultation:  https://makingmoney.email/financial-advisors-audio 🎉Sponsors TaxZap - Do your tax return / self-assessment: ⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. 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. 🎉Sponsors The British and International Franchise Exhibition - go for free: https://makingmoney.email/franchise-exhibition-london TaxZap - Do your tax return / self-assessment: ⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. 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?

Ben Felix has one of the few personal finance channels I watch. Chief Investment Officer at PWL Capital, he also co-hosts  the Rational Reminder podcast. We discuss the finance ‘rules’ to avoid,  why human behavior makes us bad investors, and the questions you need to ask if you want your money to support a better life. Ben also opens up about his cancer diagnosis earlier this year and how it’s changed his perspective. 🎉Sponsors The British and International Franchise Exhibition - go for free: https://makingmoney.email/franchise-exhibition-london TaxZap - Do your tax return / self-assessment: ⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Here are the papers referenced: Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice Anarkulova, Aizhan and Cederburg, Scott and O'Doherty, Michael S.  Finding and Funding a Good Life - Ben Felix Ben’s channel: https://www.youtube.com/c/BenFelixCSIRational Reminder podcast: https://www.youtube.com/c/RATIONALREMINDER Chapters: 00:00 - Franchise Exhibition ad 00:39 - Why finance? 06:29 - Home bias 13:42 - Vanta ad 14:47 - Are you over-exposed? 17:19 - Low US returns coming? 23:06 - 4% rule  27:09 - TaxZap ad 28:23 - Rational investing? 35:00 - Investment approach 38::45 - Money and happiness 41:24 - Funding a good retirement 45:25 - Trade-offs 50:03 - When you shouldn’t save 54:52 - Cancer diagnosis 01:09:09 - Best investment advice 

To kick off the year we asked for your biggest money questions, which we're answering with financial adviser and friend of the podcast, Lisa Conway-Hughes. This is Lisa’s advice firm LCH/WEALTH: https://lchwealth.co.uk Set up a Financial Diagnosis Session with Lisa via her assistant Abi: [email protected] Correction: At 5:06 Lisa misspoke and said Tom would need 12-24k for 3-6 months of expenses as an emergency fund. She meant to say 6-12k (as in her example he'd have 2k expenses per month). 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – If you purchase a product or service using one of the links above (including Lisa's firm LCH Wealth), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Franchise Exhibition ad 00:39 - Happy New Year 03:29 - House or Pension at 30 09:56 - Rent vs Buy  15:08 - Salary Sacrifice rules have changed 16:56 - TaxZap ad 18:10 - How to derisk for retirement 22:10 - Running out of money 27:22 - How to retire early 29:37 - Pensions savings at 30/40/50 33:07 - Self-employed and pensions 38:11 - Vanta ad 39:16 - Will you get a state pension? 42:12 - Tax trick for low earners 46:45 - How to stop worrying about money? 49:55 - Know your number 54:19 - Can you spend more? 59:02 - How to pay less tax in retirement 01:02:33 - Pension or ISA? 01:04:22 - Inheritance tax 01:06:20 - Where to save to pay less tax? 01:07:15  - Basic money principles

It’s our final episode of 2025! To celebrate, we’ve brought back the hat to answer your questions. What’s been our favourite episode? Which guest completely changed our mind? And would we rather fight a duck-sized bear or a bear-sized duck? Plus, watch out for an incredible reveal from T… enjoy! 📩 We want to hear more from you in 2026. If you’ve had a big financial lesson you’d like to share with us, email our producers Ruth and Emma at [email protected] 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – 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 00:39 - Our favourite episode 07:10 - Why we get along 10:35 - Vanta ad 11:39 - 2025 Proudest Moments 14:03 - 2025 Mistakes 21:08 - Long v short term 24:44 -  What we’ve changed 34:43 - TaxZap ad 36:00 - What’s changed our mind? 37:29 - Hair transplant 41:53 - What we want to do in 2026 43:22 - What if we were in charge? 49:23- Duck-sized bear or a bear-sized duck? 51:54 - 2026 market predictions 52:29 - T’s military camp experience 54:57 - 2026 resolutions

Amy is a member of the Making Money audience. Many of us have made mistakes in our investing journey but not everyone is brave enough to come on and tell us about it. This episode was first published in November 2024 If you’ve had a big financial lesson like Amy and you’d like to share it with us, email our producers Ruth and Emma at [email protected] 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – If you don’t know Bill’s work here’s where I suggest you start:The Four Pillars of Investing: https://amzn.eu/d/hKCTHVJ  The Intelligent Asset Allocator (recommended by Jack Bogle himself): https://amzn.eu/d/6NKLjTu  The Investor’s Manifesto: https://amzn.eu/d/3kDgo57  – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no 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 - Moneyweek ad01:07 - 15 years in an index fund 09:15 - Pulling out in a crash 17:58 - Taxzap ad 19:12 - Looking for advice online 29:25 - Stock picking 36:26 - Vanta ad  37:40 - Knowing when to sell 44:03 - Making mistakes 54:33 - How much money did Amy lose? 59:19 - Lessons

Most of us just want to know one thing: what’s the best way to invest? Decades ago, William J. Bernstein had the same question, so he decided to find out. That led him to become an early supporter of the simple, evidence-based approach: keeping costs low, diversifying widely, and not trying to beat the market. It’s basically the philosophy behind modern index investing and he shared it through several classic books, including The Four Pillars of Investing. 🤝 Learn about our financial adviser services & book free consultation: ⁠https://makingmoney.email/financial-advisors-audio⁠ 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – If you don’t know Bill’s work here’s where I suggest you start:The Four Pillars of Investing: https://amzn.eu/d/hKCTHVJ  The Intelligent Asset Allocator (recommended by Jack Bogle himself): https://amzn.eu/d/6NKLjTu  The Investor’s Manifesto: https://amzn.eu/d/3kDgo57  – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no 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 - Moneyweek Ad 01:07 - Learning How To Invest 05:07 - What To Read (And What Not To Read) 09:07 - Ignore Forecasts 12:07 - The Biggest Risk In Investing 16:59 - Vanta Ad 18:12 - Should you be in 100% Equities? 24:03 - How To Fight Inflation 29:28 - Bitcoin 32:18 - Learning From History 35:49 - TaxZap Ad 37:03 - Are Too Many People Passive? 43:50 - Don’t Invest To Get Rich 46:07 - Returns Over The Next 100 Years 49:52 - Will You Survive Retirement? 01:00:23 - Why Young People Want A Bad Stock Market

How To Own The World’ was probably the biggest influence on me getting into investing. Its author, Andrew Craig, has now released a new edition tailored for readers under 30 (https://amzn.eu/d/4QqRHdJ).  🤝 Learn about our financial adviser services & book free consultation: ⁠https://makingmoney.email/financial-advisors-audio⁠ 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – 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 Power of Compounding 06:47 - The One Rule For Investing  10:59 - Wealth And Money 16:06 - Vanta ad 17:17 - Capitalism And Prosperity 23:21 - Index Funds  31:18 - TaxZap ad 32:34 - Saving the UK Economy 43:06 - Wealth Inequality 51:13 - Wealth And Value  54:57 - Tax Wealth or Work? 58:35 - What You Should Know at 25

Who are the winners and losers of the Budget? What happened to growth? Will the tax changes actually happen? We sat down with Helen Miller, Director of the Institute for Fiscal Studies (IFS) to answer your questions. 🤝 Learn about our financial adviser services & book free consultation: ⁠https://makingmoney.email/financial-advisors-audio⁠ 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – 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 - What Happened? 06:00 - Doom and Gloom 09:58 - Public Services 16:13 - TaxZap Ad 17:28 - Winners and Losers 21:03 - What About Growth? 27:58 - Mansion Tax 30:23 - Vanta ad 31:34 - Will The Changes Happen? 35:34 - Freezing of Tax Bands 41:00 - Broken Manifesto Promises 44:05 - Salary Sacrifice 48:56 - Tax Complexity 53:40 - Tax Reform 59:44 - Why Don’t Politicians Listen 01:03:34 - ISAs 01:10:40 - What’s The One Thing?

Sorry there's no episode for you to get stuck into yet, that's because we're recording a special budget episode with the Director for the Institute of Fiscal Studies, Helen Miller today. We'll be uploading the episode as soon as it is done so stay tuned!

When is it the right time to open a limited company? How should you budget when you're self-employed? And how do you stay as tax-efficient as possible? You sent us your biggest questions about self-employment, so we brought in financial planner and trained accountant Tom Ashworth, who’s also helping T set up his own Ltd company, to answer them.  Book a free chat with Tom: https://makingmoney.email/chat-with-tom 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – 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 – Sole Trader vs Ltd Company 06:21 – Making Tax Digital 09:42 – Setting Up a Ltd Company 13:44 – TaxZap ad 14:58 – Budgeting 23:03 – T-Unlimited Ltd? 25:32 – Investing 28:24 – Expenses 33:47 – Pay Less Tax 36:09 – Vanta Ad 37:19 – Family Member as Shareholder 42:05 – Stocks & Shares ISA or SIPP? 55:01 – Feeling Worried? 38:08 – How 8.75% Tax Works on £100k Income 43:20 – Stocks & Shares ISA or SIPP? 54:03– Feeling Worried?

Nearly half of working-age people are saving nothing for retirement — so what’s gone wrong, and what changes are coming? We sat down with Pensions Minister Torsten Bell at the Pensions UK conference in Manchester to unpack the government’s plan. 🤝 Learn about our financial adviser services & book free consultation: ⁠https://makingmoney.email/financial-advisors-audio⁠ 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – 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. 00:00 - We’ve got to finish the job 05:17 - 45% of people aren’t saving for retirement 08:20 - We can’t get complacent 10:53 - TaxZap ad 11:52 - Big changes are coming 16:36 - Does the pensions industry have a problem? 21:09 - Should your pension be invested in the UK? 24:29 - Vanta ad 25:39 - What age will you get a state pension? 30:47 - Is the triple lock putting future retirements at risk? 33:42 - What will happen over the next 5 years? 35:08 - What we thought about the Pensions Minister 

We’re living longer, saving too little, and the state pension’s under pressure. So, can we actually afford to retire in the future?  Our favourite pensions expert Tom McPhail joins us to chat through what’s changing in the current pension system, what’s not, and what it all means for your future. 🤝 Find the right financial adviser service for you Book free consultation: ⁠https://makingmoney.email/financial-advisors-audio⁠ 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ – 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 - We’re at a crisis point  05:56 - Is it too late? 10:42 - Is change even possible? 13:16 - What could change today? 18:50 - Vanta ad 20:00- Who doesn’t have enough to retire? 23:40 - Will consolidating schemes benefit you? 29:50 - Have you lost a pension pot? 34:25 - TaxZap ad 35:34 - Should the government force schemes to invest in the UK? 43:58 - Is the state pension a ticking time bomb? 53:05 - What actually gets people to save more? 55:35 - Why the triple lock needs to go 58:38 - What’s coming in the Autumn Budget?

The ‘AI Bubble’? The ‘Everything Bubble’?...Is the stock market actually overvalued? And what should you do about it? We’re in Manchester this week,  joined by local friend of the podcast and YouTuber Toby Newbatt for a deep dive into markets. Be one of the first to test our new financial guidance AI (don't worry, we're not robot overlords yet) : https://getmost.co.uk/chat 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠⁠https://www.franchiseinfo.co.uk/franchise-exhibitions/the-british-international-franchise-exhibition/⁠⁠⁠⁠⁠ TaxZap - Do your self-assessment by Jan 31 & use code MONEY10: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant:⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠⁠ – 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 – Why Everyone’s Suddenly Worried 05:05 – Should You Invest At All-Time Highs? 09:30 – Are We Headed for Lower Returns? 12:32 – TaxZap ad 13:42 – Are Markets Too Top-Heavy to Last? 19:39 – What Could Actually Trigger a Crash? 24:45 – Beating the Market: Skill or Just Luck? 29:14 – Should You Be Holding More Cash Right Now? 31:22 – Vanta ad 32:33 – Buying the Dip: Smart or Dangerous? 34:34 – Why This isn't Like The Dot Com Bubble 38:08 – What You Should Actually Do Next 42:05 – Should You Even Care If Markets Drop? 45:00 – The Future of AI and the Market 50:20 – The Psychology Behind Every Investor 53:47 – Got a Lump Sum? Here’s How to Invest It 55:38 – Is Passive Investing Inflating Valuations? 59:57 – Why You Might Be Asking the Wrong Question