Can AI boost living standards like the Industrial Revolution did—or will it be humanity’s last invention? Andrew Leigh is an economist, Australian MP and author of ‘The Shortest History of Economics’ (https://shorturl.at/pT8Wy). 🎉Sponsors Odoo - try their Sign app for free: https://www.odoo.com/r/MM Vanta - Get your company secure and compliant: https://vanta.com/makingmoney Tide - Get up to 4% AER (variable) on your business savings. Use this link https://www.tide.co/offers/makingmoney or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit https://tide.co/savings for full terms and conditions. – 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.

Are you teaching your children the right things about money? What is the impact of poor financial education? Do children who are paid for chores fail to learn responsibility? Louise Hill is the co-founder and CEO of GoHenry, a financial education app that helps children and teenagers manage their money. 📩 80% of what you need to know about personal finance: https://tr.ee/eI-IYXlBn6 🎉Sponsors Odoo - try their Sign app for free: https://www.odoo.com/r/MM Vanta - Get your company secure and compliant: https://vanta.com/makingmoney Tide - Get up to 4.22% AER (variable) on your business savings. Use this link https://www.tide.co/offers/makingmoney or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit https://tide.co/savings for full terms and conditions. – 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 happens when the market changes — and you don’t? Can sticking to your strategy be the biggest risk of all? What can we learn from investors who failed to adapt? Tim Harford is an economist, journalist, author of books such as ‘How To Make The World Add Up’ and host of The Cautionary Tales podcast. 📈Here’s my free investing course: https://makingmoney.email/investing-course-audio 🤝 Want 1:1 help from a financial adviser? ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. – 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.

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* This episode was first published in September 2024 🤝 Want 1:1 help from a financial adviser? ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. – 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.

Do you and your partner disagree when it comes to investing? Are you a saver while they’re a spender — or is it the other way around? Does a 50/50 split feel unfair? Sara Jane Maxwell is a financial coach and founder of Wealth Coach, where she helps individuals and couples work through their money-related issues. Share your visualisation in a comment, and find out more about Sara’s work here: https://www.wealth-coach.co.uk 🤝 Want 1:1 help from a financial adviser? ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. – 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.

Is buy-to-let dead in the UK - and should it be? Rob Dix, one of the founders of Property Hub and both a landlord and tenant, breaks down how various factors have reshaped the market. With landlord numbers falling and returns fading, what role should property play in the UK’s — and investors’ — future? ➕ You can grab Rob’s free tools, including the calculator here: https://www.propertyhub.net/money 🤝 Want 1:1 help from a financial adviser? ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. – 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.

As you know, we’re big fans of passive investing — it’s simple, low-cost, and it works. But with passive funds now making up nearly 60% of US stock funds, what has that done to the market? Could it be causing more volatility? Has it pushed company valuations too high? And what happens if everyone becomes a passive investor? Dimitri Vayanos is Professor of Finance at the London School of Economics and co-author of the award-winning paper Passive Investing and the Rise of Mega Firms. Read Dimitri’s paper here: https://personal.lse.ac.uk/vayanos/Papers/PIRMF_RFSf.pdf 📈Here’s my free investing course: https://makingmoney.email/investing-course-audio 🤝 Get help from a financial adviser to navigate big decisions https://makingmoney.email/financial-advisors-audio 🎉Sponsors Odoo - 45 business apps in one: ⁠https://www.odoo.com/r/MM1 Vanta - Get your company secure and compliant: https://vanta.com/makingmoney Tide - Get up to 4.22% AER (variable) on your business savings. Use this link https://www.tide.co/offers/makingmoney or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit https://tide.co/savings for full terms and conditions. – 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.

Do you have a Defined Benefit (DB) pension but not quite sure how it works? Is there a way to retire early in a DB scheme? Is transferring out ever really worth it? Financial adviser Peter Lawlor, from Expert Pensions Advice, has over 30 years of experience and breaks it all down. You can book a free call with Peter here: https://calendly.com/peter-1138/60min Or you can email him here: peter@expertpensions.com 🧑‍💻DB Pension Decoder - free guide to figure out the value of your pension https://makingmoney.email/DB-decoder-audio 🤝 Want 1:1 help from a financial adviser? ⁠https://makingmoney.email/financial-advisors-audio⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠https://www.odoo.com/r/MM1⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠https://www.tide.co/offers/makingmoney⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠https://tide.co/savings⁠ for full terms and conditions. – 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.

Is getting a prenup just for the ultra-rich? What if it’s just smart planning for everyone? Family lawyer Ursula Danagher says financial conversations early in a relationship could save you big time later. From protecting your pension to avoiding costly legal battles, this is advice every couple should hear. Ursula's details: https://www.spencer-west.com/team/ursula-danagher/ 🤝 Want 1:1 help from a financial adviser? ⁠https://makingmoney.email/financial-advisors-audio⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠https://www.odoo.com/r/MM1⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠https://www.tide.co/offers/makingmoney⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠https://tide.co/savings⁠ for full terms and conditions. – 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.

Is a wealth tax the answer to fixing an unfair tax system? Tax expert Dan Neidle says no — and reveals why wealth taxes don’t work, how a land tax could be fairer, what real reform would look like, and why no politician has the guts to do it. 💼 If you’re a company owner or self-employed and looking for some tax help https://makingmoney.email/company-owner-episodes 🤝 Want 1:1 help from a financial adviser? ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. – 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 really going on with the global economy? Is the U.S. heading for a recession — and could the UK be among the worst hit? Anatole Kaletsky, Chief Economist at Gavekal and author of Capitalism 4.0, argues that both the U.S. and UK are stuck in outdated, pre-2008 economic thinking. He warns of a U.S. recession before year-end, a potential fiscal crisis in the UK, and a major shift in global economic power. 🤝 Want 1:1 help from a financial adviser? ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. – 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 can history teach us about investing? Is there a right way? Russell Napier—financial historian, author of The Anatomy of the Bear, and founder of the Library of Mistakes—shares what centuries of market behavior reveal about asset allocation, financial repression, and why even the smartest investors get it wrong. 📖 Here’s my free investing course if you don’t fancy reading all the books https://makingmoney.email/investing-course-audio 🤝 Want 1:1 help from a financial adviser? ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it: https://youtu.be/BVVZhrM0LVQ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link: https://www.trading212.com/join/MM InvestEngine  Get up to a £50 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard Minimum investment of £500 or £100/month. https://www.vanguardinvestor.co.uk/ – 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.

Living standards have stalled — you're worse off than 20 years ago. How do we fix it? David Willetts is a Conservative Member of the House of Lords and President of the Resolution Foundation, where he looks at intergenerational fairness, the theme of his book The Pinch. One of the foundation’s more controversial ideas? Capping ISAs at £100k.  🤝 Want help from a financial adviser planning your future? ⁠https://makingmoney.email/financial-advisors-audio⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠https://www.odoo.com/r/MM1⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠https://www.tide.co/offers/makingmoney⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠https://tide.co/savings⁠ for full terms and conditions. – 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 are annuities and are they worth it in 2025? With interest rates rising, annuities, which give you a guaranteed retirement income, have been making a comeback. Mark Ormston from Retirement Line, one of the UK’s leading annuity brokers, explains how they work, what returns you can expect and whether they make sense for your pension strategy. ✖️ Check out this annuities calculator Mark gave us to see what you can get⁠https://makingmoney.email/annuities-calculator⁠ 🤝 Want help from a financial adviser planning your future? ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. - If you purchase a product or service using one of the links above (including Retirement Line), 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.

Why isn’t the UK growing — and can it be fixed? Venture capitalist Jon Moynihan, appointed to the House of Lords by Liz Truss, lays out his case for what’s holding Britain back. In his two-volume work Return to Growth: How to Fix the Economy, he argues the UK needs lower taxes, less regulation, and a smaller state to return to prosperity. 🤝 Get help from a financial adviser to navigate big decisions ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. – 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 if the market crashes or a recession hits just as you stop working — could you afford it? Financial planner George Agan breaks down the risks many people overlook when planning for retirement. We discuss how much you might really need, why rules of thumb like the 4% rule can fall short, and what to do if returns don’t go as expected. 🗝️ Want George's help planning your retirement? You can email him here: gagan@fcadvice.co.uk This is his firm: https://fcadvice.co.uk/about-us/meet-the-team/george-agan/ ⛑️ Free guides, courses and financial health check Learn how to build long-term wealth in the UK: ⁠https://linktr.ee/makingmoneypod⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠https://tide.co/savings⁠⁠⁠ for full terms and conditions. – If you purchase a product or service using one of the links above (including George's firm), 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.

We answer some of your top investing questions. We’ve seen massive drops this year—are we in for another crash? What should you do when the market is volatile? What’s the easiest way to invest in gold? How should you approach investing vs saving? Get my free course on investing in index funds 📨  ⁠https://makingmoney.email/investing-course-audio Watch our free webinar on how to invest a lump sum💰   https://makingmoney.email/lump-sum-recording 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠⁠ https://www.trading212.com/join/MM⁠⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠⁠https://www.vanguardinvestor.co.uk/ 🤝 Get help from a financial adviser to navigate big decisions ⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠https://tide.co/savings⁠⁠⁠ for full terms and conditions. – 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 is going on with the world's economy? It all started way before 2025 says Ha-Joon Chang, one of the world’s leading economists. He joins us to unpack the deeper causes of today’s instability and inequality. Get Edible Economics here: https://shorturl.at/kZM7f 🤝 Get help from a financial adviser to navigate big decisions ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ – 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.

*This episode was published in December 2023* It feels like we pay a lot of tax in the UK but is that really true? Where do our taxes actually go? Are they wasted? And are we going to have to pay more in the future? Paul Johnson is the Director of the insanely well respected Institute for Fiscal Studies and in this episode he explains how we’ve got into this pickle, how we can get out of it - and why our feelings about paying too much tax might not be rooted in reality.  Paul’s book Follow The Money: https://amzn.to/41aOqXa 🤝 Get help from a financial adviser to navigate big decisions ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. – 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 happens if you die tomorrow? Do you have a will? 60% of people don’t — creating legal and emotional chaos. Meanwhile, 1 in 3 Brits are relying on inheritance to fund their future. It’s no surprise inheritance disputes are rising fast. Martin Holdsworth, a lawyer with 20 years' experience, explains why — and how to avoid them. Martin's firm is IDR Law: https://idrlaw.co.uk/ 🤝 Get help from a financial adviser to navigate big decisions ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ – If you purchase a product or service using one of the links above (including Martin's firm IDR Law), 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.