Making Money

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 epis...

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: http...

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/mon...

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? 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...

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@exper...

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/ 💬 Do you have a mone...

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. 💬 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? Answe...

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 eco...

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...

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.  💬 Do you have a money story you'd like to share on the...

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...

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. 💬 Do you have a money story you'd like to share on the pod...

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? This is his...

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💰...

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 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial...

*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...

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/ 💬 Do you have a mo...

Do you think you're paid fairly? Yota Trom says you're probably not, but how do you get a pay rise? Yota's a career coach who's built a system that's already helped over 500 people climb the ladder - including taking one client from £35k to £150k in 2.5 years. Here's how you can do it too. 🤝Want Yota's help getting what you’re worth? Apply for 1:1 coaching: https://www.yotatrom.com/mm-coaching Jo...

From housing to wages to stability – younger generations are facing a very different situation to their parents. Were the baby boomers just in the right place at the right time, or have they shaped the system in their favour? We're learning from YouTuber Tom Nicholas(@Tom_Nicholas) who's made a feature-length film called Boomers: The Rise of the Gerontocracy. Watch the film: https://go.nebula.tv/b...

Is AI going to solve our productivity problem? Diane Coyle is an Economist and Professor at the University of Cambridge where she looks at the economic impact of the digital economy, including artificial intelligence. Her new book is called ‘The Measure of Progress: Counting What Really Matters’ (https://shorturl.at/PuHgF). 🤝 Want 1:1 financial help from us? Answer a few questions to find the rig...

Can anyone learn to be good at investing? Toby Newbatt, a personal finance YouTuber (@TobyNewbatt), certainly thinks so. When he first started investing, he knew next to nothing and definitely made some mistakes. But over time, he taught himself what he needed to know—even reading over 40 books on the subject! 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.e...

How often do you question your money habits or what your saving or investing for? Anne-Laure Le Cunff is a neuroscientist and author of Tiny Experiments and she thinks we need to question whether our financial goals are really what we want. (https://profilebooks.com/work/tiny-experiments/). 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-...

What is happening to China? With a massive property market collapse, unsustainable levels of debt, and widespread data manipulation, is this the end of growth for the world’s second-largest economy? And what steps should we take to protect ourselves from a country that doesn’t play by the rules? Ian Williams spent over 20 years as a foreign correspondent covering China. He has written a book title...

The wealth transfer from baby boomers to their children is set to be the largest in history. This has created an unfair system—where parental wealth is the main determinant of success in life—says generational historian Dr Eliza Filby. She has written a book called Inheritocracy: It’s Time to Talk About the Bank of Mum and Dad. She travelled around the UK to explore who wins, who loses, and what w...

We often focus on companies like Tesla or ARM, but we rarely think about the materials that make their technology possible. Ed Conway is the Economics Editor for Sky News and author of Material World: A Substantial Story of Our Past and Future. Where does the battery in your phone or an electric vehicle come from? Why are materials like lithium and copper so critical to achieving net-zero? These a...