Episodes

  • 8 Million UK Workers Won’t Have Enough to Retire

    8 Million UK Workers Won’t Have Enough to Retire
    Mar 23 2026
    Will your pension actually be enough for retirement? Or are you heading for a shortfall without realising it? Al Miles is an investment actuary who has analysed the UK pension system, and found that millions of workers will fall short of what they need for retirement. But she didn’t stop there. She’s also looked at ways we can fix it. 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney Tide - Get up to 4% AER variable with their Instant Saver Account: https://www.tide.co/offers/makingmoney 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. Here are the papers we reference: Retirement Reimagined: https://aca.org.uk/wp-content/uploads/Retirement-reimagined-securing-lifelong-financial-independence-for-all.pdf How Much Could You Lose? https://actuaries.org.uk/media/zdhn5xl3/how-much-could-you-lose-report.pdf
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    1 hr and 10 mins
  • ⁠Every Tech Boom Ends the Same Way

    ⁠Every Tech Boom Ends the Same Way
    Mar 16 2026
    The S&P 500 once delivered 17 years of zero real returns. Could it happen again? Jim Reid is the Global Head of Macro Research at Deutsche Bank. In a recent report, The Ultimate Guide to Long-Term Investing, his team analysed data from 56 countries over 200 years. You can read the full report on the Deutsche Bank Research Institute website: https://www.dbresearch.com/PROD/RI-PROD/PDFVIEWER.calias?pdfViewerPdfUrl=PROD0000000000607211&rwnode=REPORT *All figures were correct at time of recording but may have changed. 💬 Do you have a money story you'd like to share on the podcast? https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney Tide - Get up to 4% AER variable with their Instant Saver Account: https://www.tide.co/offers/makingmoney 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.
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    1 hr and 1 min
  • What Happens to Your Money if You Die Tomorrow?

    What Happens to Your Money if You Die Tomorrow?
    Mar 9 2026
    More than half of adults in the UK don’t have a will. So what happens if you die without one? Sam Grice is CEO of Octopus Legacy. If you’re like T and you don’t have a will you can currently get a free will through Octopus Legacy (offer expires 9th of April 2026): https://will.octopuslegacy.com/making-money Correction: Outside of the free wills campaign, the cost for a simple will is £150, and a will with trust is £450 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney Tide - Get up to 4% AER variable with their Instant Saver Account: https://www.tide.co/offers/makingmoney 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.
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    1 hr and 14 mins
  • Are You Wasting Your Life Saving Money?

    Are You Wasting Your Life Saving Money?
    Mar 2 2026
    Susan wrote into us: What do you think of the ‘Die with Zero’ philosophy by Bill Perkins? I know many people who work so hard that they never get to enjoy retirement. There are three widows in my gym group in their 50s. I also know many people hoarding money in their late 70s, frightened to spend anything. 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney Tide - Get up to 4% AER variable with their Instant Saver Account: https://www.tide.co/offers/makingmoney 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.
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    1 hr and 7 mins
  • Don't Wake Up to Make Rich People Richer

    Don't Wake Up to Make Rich People Richer
    Feb 23 2026
    Timothy Armoo was twenty seven when he sold his company Fanbytes for tens of millions of pounds. He’s written the book he wish he’d had when he was starting out (https://amzn.eu/d/05juET3K) 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney Tide - Get up to 4% AER variable with their Instant Saver Account: https://www.tide.co/offers/makingmoney 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. --- *Jesse Itzler is the founder of Marquis Jets not Net Jets
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    1 hr and 15 mins
  • Your Retirement Plan Has a Fatal Flaw

    Your Retirement Plan Has a Fatal Flaw
    Feb 16 2026
    What if you live longer than you expect? Can you make your money last in retirement? Marianna Hunt is a personal finance specialist at Fidelity International. She’s looked at how you can actually plan for it. Here’s our compound calculator: https://makingmoney.email/compound-interest-calculator 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney Tide - Get up to 4% AER variable with their Instant Saver Account: https://www.tide.co/offers/makingmoney 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. I mention my video featuring Marianna - here it is: https://youtu.be/hfS9LRCOzik?si=IR8PzDmX0p9DMqzZ Fidelity's report on longevity: https://www.fidelity.com.sg/news-and-insights/the-longevity-revolution-preparing-for-a-new-reality Chapters: 00:00 - Do You Need Help With A Financial Decision? Promo 01:05: How To Live To 100 07:54 - The Chance You Live To 100 11:02 - The Longevity Problem 16:49 - Tide Ad 17:46 - Can You Work Longer? 21:17 - Making Your Money Last 24:30 - Inflation Is The Silent Killer 30:35 - What If You Can’t Work Longer? 33:41 - Vanta Ad 34:48 - How Many Are Healthy Years? 39:19 - What Kind Of Care Do You Want? 46:09 - Longevity Isn’t A Problem 51:16 - How To Prepare For Living Longer
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    1 hr and 7 mins
  • Retiring at 65 Makes No Sense

    Retiring at 65 Makes No Sense
    Feb 9 2026
    Is slow population growth going to change your retirement? Amlan Roy is an expert in demographics and has advised governments all over the world. He says the way our population is changing is at the heart of all the big issues we’re facing today, not just pensions. You can get Amlan’s book ‘Demographics Unravelled’ here: https://a.co/d/0gyPSQbi 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney Tide - Get up to 4% AER variable with their Instant Saver Account: https://www.tide.co/offers/makingmoney 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 - Is Age The Only Factor? 05:25 - Vanta Ad 06:30 - The Ageing Time Bomb 11:57 - Immigration As A Tool 15:20 - Tide ad 16:20 - Fertility Rates 20:27 - Staying In Work Longer 23:10 - Means-Tested State Pension 28:10 - How Much Does a 20 Year Retirement Cost? 33:00 - When Will The Problem End? 35:58 - Where Will You Retire?
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    43 mins
  • What Politicians Won't Tell You About the Economy

    What Politicians Won't Tell You About the Economy
    Feb 2 2026
    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 financial help from us? Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠ 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?
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    1 hr and 11 mins