Am I Too Late?

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Am I Too Late?

Naho

6 episodes

1 week ago

Discover why pensions might just be the best-kept secret in personal finance — how tax relief, compound growth, and a few smart moves can quietly build your future, even if you’ve started late. In this episode, we pull back the curtain on one of money’s quietest superpowers — your pension. It’s not just a savings pot for later life; it’s a built-in growth engine and a secret tax advantage hiding in plain sight. If you’ve ever wondered how your pension actually grows or why it deserves more at...

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Education

Technology,

Business

Episodes (6/6)

Am I Too Late?

6. Pensions, The Best-Kept Secret

1 week ago

13 minutes

Am I Too Late?

5. Pensions, The Basics

In this episode, we go back to basics and demystify pensions — what they are, how they work, and why they matter more than most of us realise. If you’ve ever thought pensions were just something for “later”, or felt unsure about how yours actually grows, this episode will help you make sense of it all. We’ll cover: What a pension really is (and how it’s different from regular saving)How your money is invested through shares, funds, or bonds — and why that mattersThe three main types of pensio...

3 weeks ago

10 minutes

Am I Too Late?

4. How Much Is Enough?

Have you ever looked at your bank balance, savings, or pension and wondered, “Is this actually enough?” You’re not alone – and in this episode, I share the moment I nearly fell off my chair after seeing the UK’s standard guideline pension figures. We dive into what “enough” really means, not just as a number, but as a feeling shaped by your lifestyle, values, health, and goals. I’ll walk you through: Why “enough” is different for everyone.How lifestyle creep can move your financial goal...

2 months ago

16 minutes

Am I Too Late?

3. Knowing Your Numbers (Part 2) Make It Make Sense

This episode picks up where we left off in Part 1 — but now we’re making sense of your numbers. You’ll learn how to: Calculate your net worth without spirallingRun a spending audit that actually reflects your valuesSpot lifestyle creep before it eats up your progressUse the 50/30/20 rule as a guide (not gospel)Shift your mindset from autopilot to intentional spending💻 Grab the free worksheet here Send us a text Support the show 👉 Follow the show so you don’t miss what’s coming next. 📲 Say hi...

3 months ago

15 minutes

Am I Too Late?

2. Knowing Your Numbers (Part 1) Where Do You Really Stand?

Getting your money sorted starts with knowing where you actually stand. Not just your salary or bills — but the big picture. In this episode, I walk you through the five key numbers everyone should know: Income Expenses Pensions Savings & Assets Debts & LiabilitiesIt’s not about shame or guilt. It’s about clarity. Because once you know these numbers, you can stop guessing, and start focusing on what really matters. 📝 Here’s the free Know Your Numbers wo...

3 months ago

9 minutes

Am I Too Late?

1. So... Am I Too Late?

You know that moment when you realise you probably should’ve started earlier... saving, investing, learning new tech, planning your future? Yeah, me too. In this very first episode, I introduce Am I Too Late?, a podcast for late starters who want to build financial confidence and digital fluency without shame or hype. I share a bit of my own journey: from life in Japan, the UK and now France, to the panic moment that sparked a major mindset shift. We talk money, investing, and how...

3 months ago

11 minutes