In this week's show Damien discusses the upcoming Autumn Budget, providing a summary of the latest rumours and predictions, explaining how likely they are and how they could impact your finances.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
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In this week's episode, Damien discusses the slowing of gilt sales by the Bank of England (quantitative tightening). He explains why it is happening and how it impacts everything from future mortgage rates and pension funds to government borrowing ahead of the Autumn Budget.
Next, he looks at rising annuity rates (one of the major benefits of rising gilt yields) and reveals how much income you can secure from a £100,000 pension pot. He also explains how half of retirees could potentially secure an even higher level of income based upon their health.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
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In this week's episode, Damien discusses a significant rule change that provides UK investors with a new, regulated way to access crypto assets. He explains how crypto ETNs work, the potential tax advantages and the risks you need to be aware of before investing.
He also explores a thought-provoking idea: could simply changing the names of everyday financial products or concepts, such as credit cards or the state pension, improve people's understanding and therefore their finances?
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
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On this week's show Damien explains how the new car mis-selling compensation scheme, announced by the FCA this week, will work. He explains who will be eligible for compensation, the average potential payout and what you now need to do.
Finally, he discusses the soaring price of gold and explains the pros and cons of investing in gold mining stocks.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
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In this week's episode, Damien explains how leaving a gift to charity in your will can significantly reduce your inheritance tax (IHT) bill. He breaks down the rules and explores the most effective ways to structure your donation.
Next, he reveals a little-known legal trap that affects anyone who gets married and could result in your estate being distributed according to the rules of intestacy.
With October being 'Free Wills Month', it's a good opportunity to consider your estate planning. Eligibility is for those aged 55 and over. For those who don't qualify, Money to the Masses has an offer where you can save 20% when you complete your will with Farewill*. Farewill is rated 4.9 out of 5.0 on independent customer review site Trustpilot (from over 18,000 reviews).
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
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In this week's podcast, Damien celebrates a major milestone as his publicly-run £50,000 portfolio approaches £100,000 after just 10 years.
He shares some practical insights on portfolio construction, how he manages psychological biases, and explains why a disciplined, long-term process is the key to successfully growing your wealth.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
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In this week’s episode, Andy reveals the best bank accounts for earning cashback, gives an overview of the top cashback credit cards, and highlights the best apps to boost your everyday spending.
Next, Damien discusses the hidden dangers of financial freedom, including how to recognise when money turns from a tool into a source of anxiety. Finally, Damien shares some practical tips to help you use money to build genuine freedom - not another prison.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
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On this week's podcast, Damien takes a look at Long-Term Asset Funds (LTAFs). With the news that Hargreaves Lansdown will allow retail investors to access these types of funds from next week, he explains how they work and why investors should remain cautious. Next, he provides an overview of trusts, explaining how they can be used effectively before highlighting the potential pitfalls.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
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Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's podcast, Damien provides a comprehensive investment market update, explaining the key factors that are driving markets as we head into Autumn.
Looking ahead, he explains what investors should be keeping an eye on, including upcoming central bank decisions, potential volatility in the bond market and why the "bad news is good news" mentality is currently driving investor behaviour.
Finally, Damien provides an update on his own £50k portfolio, including where he is invested in order to navigate the current market conditions.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
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If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's podcast Damien explains how the rise of short-term 'bonus' rates are creating a price war amongst providers. He reveals how these types of rates can leave you worse off as a saver before explaining how you can calculate the effective annual rate to see what you’re really earning. Next, Damien looks at whether the classic 4% retirement rule is still fit for purpose. With potential inheritance tax changes on the horizon, new research suggests a much higher withdrawal rate for those who want to spend their pension pot in their lifetime.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - MTTM Podcast Episode 517
(04:10) - Understanding Regular Savings Accounts
(06:24) - The Impact of Bonus Rates on Savings
(07:36) - Calculating Effective Interest Rates
(08:39) - Challenges with Short-Term Bonus Rates
(10:54) - Access Restrictions in Savings Accounts
(13:49) - The Impact of Low Rates on Savings
(14:30) - Understanding the 4% Rule and Its Origins
(16:32) - Potential Changes in Pension Taxation and Their Implications
(17:59) - The Spend It All Approach to Pension Withdrawals
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
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We’ve talked before about the incredible power of long-term investing and compounding, particularly when growing wealth for children. I personally use the millionaire strategy, which aims to make my children millionaires when they are older.
The strategy is built upon several key principles discussed in our How to Become a Millionaire podcast episode. We’re excited to announce that we have partnered with Wealthify to create a seamless way for you to implement this strategy.
The new tool allows you to see just how much a regular investment in a Junior ISA could be worth by the time your child turns 18.
On this week's podcast we chat with Simon Holland, Chief Operating Officer of Wealthify where we discuss how Wealthify helped Money to the Masses provide readers with a seamless journey to setting up a Junior ISA and implementing annual contribution increases quickly and efficiently.
Check it out for yourself: How to help your child become a Millionaire
Pay no management fees for the first 12 months if you open or transfer a Junior ISA to Wealthify via the new Junior ISA tool. This offer cannot be used in conjunction with any other offer and is for new customers only. Terms and conditions apply
With Investing, your capital is at risk. The tax treatment of your investment will depend on your individual circumstances and may change in the future. Wealthify Limited is authorised and regulated by the Financial Conduct Authority (FCA No. 662530). Leadenhall Learning Limited (trading as Money to the Masses) is an appointed representative of Wealthify Limited which is authorised and regulated by the Financial Conduct Authority. Money to the Masses acts as an appointed representative for the purpose of promoting Wealthify products and introducing customers to Wealthify.
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
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Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's podcast Damien explains the latest development in the car finance mis-selling scandal and what action you need to take. He also discusses the latest Bank of England base rate cut. While it was widely anticipated, he explains why the market was caught off guard by what was contained in the accompanying meeting minutes.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - MTTM Episode 515
(04:07) - Car Finance Mis-selling Scandal Overview
(07:06) - Supreme Court Ruling and Its Implications
(09:31) - Action you can take to check if you had a DCA
(12:30) - Bank of England Rate Decision and Market Reactions
(15:18) - Impact of Base Rate Cuts on Mortgages
(17:19) - Market Predictions for Base Rate Changes
(19:03) - Understanding the Monetary Policy Committee's Decisions
(22:06) - Inflation Trends and Their Effects on Interest Rates
(24:37) - Personal Mortgage Decisions and Market Reactions
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
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If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's podcast Damien provides a complete buy-to-let guide, including the latest tax rules and recent legislative changes. Next, Andy reveals some of the little-known state benefits you might be entitled to. Finally, Damien answers some of the most popular questions you've been asking DaMoney, the new AI guidance tool from Money to the Masses.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 514
(03:11) - Complete Buy-to-Let Guide
(08:30) - How to Manage a Buy-to-Let
(10:58) - Buy-to-Let Mortgage Rates
(11:46) - Average UK Buy-to-Let Rental Yields
(13:33) - How does Tax on Buy-To-Let work?
(15:33) - Buy-to-Let Rules and Regulations
(19:02) - Little-known benefits you may qualify for
(25:52) - Most popular 'DaMoney' questions
(27:12) - How to check if you are on the right tax code?
(28:20) - What are the latest ISA transfer offers at the moment?
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
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If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode, Damien discusses the sustainability of the UK state pension, explaining why younger generations are likely to experience significant increases in state pension age.
Damien and Andy then discuss the likely 30% increase in water bills over the next five years due to necessary infrastructure upgrades and what you can do to combat the rise.
Finally, having answered over 3,000 questions in its first week, Damien reveals the most popular topics being answered by DaMoney, our purpose-built AI guidance engine.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 513
(02:58) - Overview of the UK state pension system, eligibility, sustainability concerns, the triple lock, and future projections
(10:54) - Planning for retirement, checking your state pension age, and filling National Insurance gaps
(12:38) - Retirement planning tips
(15:51) - Water Bills: Why Are They Rising and What Can You Do?
(19:38) - Reducing water usage, seeking support if struggling to pay
(24:01) - DaMoney (our AI guidance tool) Overview of the most popular topics and questions asked by users
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode Damien unveils his purpose-built AI guidance engine "DaMoney". Powered by 15 years of Money to the Masses guidance, DaMoney uses the vast library of unbiased knowledge built by Money to the Masses since 2010 including thousands of fact checked articles and hundreds of podcast and YouTube videos.
The tool is the first of its kind in the UK and is designed to provide immediate, easy-to-understand answers to your money questions, whenever you need them and without the confusing jargon. It combines AI technology with ongoing reviews of answers by financial experts at Money to the Masses to ensure DaMoney’s answers stay accurate, up-to-date, and genuinely helpful as markets and situations change.
You can visit Damoney.ai now to try it out for yourself. You will also find it powering the newly launched AI chat on the Money to the Masses homepage and articles.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Introduction to the 'Damoney' a new AI Guidance Engine from Money to the Masses
(01:51) - How DaMoney Works and Its Unique Features
(04:21) - Expert Review and Quality Assurance
(05:07) - User Interaction and Real-World Applications
(05:07) - Addressing Common Financial Questions
(09:20) - Example Question 1- Understanding the Marriage Tax Allowance
(11:05) - Example Question 2 - Navigating Child Benefit and High Income Charges
(12:09) - Example Question 3 - Life Insurance with Pre-existing Conditions
(14:08) - Example Question 4 - Planning for Retirement at Age 60
(15:03) - Example Question 5 - Exploring Property Ownership in London
(17:09) - Example Question 6 - The Best Stocks & Shares ISAs in 2025
(18:21) - Example Question 7 - The Best Pet Insurance for an older cat
(20:18) - Example Question 8 - Can using Buy Now Pay Later (BNPL) impact a mortgage decision
(22:17) - Example Question 9 - Maximising Savings with Easy Access Accounts
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's podcast, Damien reveals whether Renting or Buying a property is best using his own purpose-built calculator. Next, he discusses two ways you can make money from your credit card. Finally, Andy reveals the details of a widespread holiday scam, explaining how to avoid becoming a victim.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 511
(02:58) - Renting vs Buying - Which is best?
(04:34) - Analysing Real-World Scenarios with our own purpose-built calculator
(09:09) - Market Dynamics: The Impact of Timing on Buying
(13:47) - The Financial Landscape of Home Buying
(17:22) - Understanding Leverage in Property Investment
(20:35) - The Wealthy Investor's Dilemma - Should you buy or rent?
(23:12) - The Future of Property Investment
(24:38) - Making Money with Credit Cards
(27:15) - Exploring 0% Purchase Credit Cards and Stoozing
(31:35) - Latest Holiday fraud warning
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
This week Damien explains why saving your first £100,000 is the crucial milestone if you want to be wealthy. He then looks at Premium Bonds, revealing the possible returns you can expect if you have the maximum £50,000 holding. He also explains how to improve your chances of winning a £1 million prize. Finally, Andy discusses the proposed changes to how council tax payments are collected.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 510
(02:42) - How to Build Wealth: The Power of Compound Interest and the £100,000 Savings Milestone
(15:42) - Premium Bonds Explained: Returns, Odds, and Are They Worth It in 2025?
(27:04) - Council Tax Payment Changes in England: What Homeowners Need to Know
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's show Damien explores the proposed changes to Inheritance Tax (IHT) on defined contribution pensions, set to begin in April 2027. He also discusses strategies that could be used to mitigate the potential impact. Next, he takes a look at how much money you'll need in retirement in order to achieve a minimum, moderate and comfortable lifestyle. Finally, Andy explains how you can use a 'Notice of Correction' to improve your chances of securing credit if you have any negative marks on your credit report.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 509
(05:50) - Proposed Changes to IHT and the Implications
(07:42) - Strategies for Mitigating Inheritance Tax
(09:16) - Gifting and Charitable Contributions
(11:32) - Gifting from Income Exemption
(13:49) - Life Insurance and Other Mitigation Tools
(15:03) - Conclusion and Future Considerations
(16:12) - How much do you need to retire? Minimum, Moderate and Comfortable pension lifestyles revealed
(21:18) - Navigating Retirement Planning
(22:40) - Credit File Management and Notices of Correction
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In this week's podcast, Damien examines the latest wealth data, which reveals the average wealth of UK households by age and region, looking at everything from property and pensions to savings and investments. Damien also covers the significant update to the Winter Fuel Payment for the upcoming winter, explaining the new rules, who will be eligible, and how a new income threshold will affect higher-earning pensioners.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Episode 508
(05:44) - Understanding Wealth in the UK
(06:41) - Household Wealth by Age
(08:55) - The Importance of Median Wealth
(12:10) - Wealth Distribution in the UK
(18:06) - Geographical Variations in Wealth
(18:55) - Savings Trends and Rates
(22:43) - Changes to Winter Fuel Payments
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's podcast, Damien provides a comprehensive update on the UK property and mortgage market. He reveals the latest Bank of England interest rate predictions, provides a snapshot of the best mortgage deals currently available and how you can lock in a mortgage rate in advance of your existing one ending.
He also discusses the re-emergence of 100% (zero-deposit) mortgages, detailing the newly launched products and eligibility requirements. Next, he provides an update on changes to affordability, with lenders offering higher income multiples and relaxing stress-testing rules.
Finally, Damien takes a look at what is happening with house prices using the latest data from the UK's main house price indices.
This episode is sponsored by Coinbase - Visit Coinbase* to learn more. Crypto comes with unique risks, take 2 minutes to learn more
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 507
(04:47) - Understanding Interest Rates and Their Impact
(08:26) - Current Mortgage Rates and Best Deals
(15:49) - Options if yiy are Struggling to Get on the Property Ladder
(18:16) - Zero Deposit or '100%' Mortgages and Their Implications
(20:36) - Navigating Income Multiples and Affordability Changes
(20:40) - The Impact of Stress Testing on Borrowing Capacity
(24:21) - Analysing UK House Prices and Market Trends
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Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.