Making Money

There's always a nagging question re: index funds - will this long-term trend keep going forever? What about the different market conditions we're now in (with higher interest rates)? Steve Clapham thinks a bit differently to us. He is an ex-hedge fund analyst and the founder of Behind the Balance Sheet, an investment research and investor training consultancy firm. 💬 Do you have a money story yo...

It’s not pleasant thinking about dying or getting seriously ill, but what happens if terrible things happen to us? We chat with Naomi Greatorex, the Managing Director of insurance broker Heath Protection. You can book a free consultation with Naomi and her team here: https://heathprotection.co.uk/making-money/ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.e...

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* 💬 Do you h...

You asked us: How can we efficiently purchase property for children? Or why is it not widely encouraged, likewise with pensions for children? What's better: premium bonds or high interest savings accounts? 💬 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 serv...

You asked us: If your employer will not match anymore than the required 3% - should you put surplus cash in the workplace pension, a stocks and shares isa or a sipp? What % do we save every month? 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Find the right financial adviser service for you & book free chat: ⁠⁠⁠⁠https://makingmo...

There have always been market crashes and there probably always will, so how do we navigate them with our personal finances? We're getting help from Linda Yueh, Professor of Economics at London Business School and a Fellow at Oxford. She’s written a book called The Great Crashes: Lessons from Global Meltdowns and How to Prevent Them. (https://www.penguin.co.uk/books/315580/the-great-crashes-by-yue...

Finance has been used for good and it's been used for evil. We get under the bonnet with Philip Roscoe, Professor of Management at the University of St Andrew’s Business School. He’s written a book called ‘How To Build A Stock Exchange: The Past Present and Future of Finance.’ 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Want 1...

We're not going to lie, there's some pretty depressing analysis here because we learn quite how unequal the UK is - how little social mobility there really is. We're speaking to Sir Paul Collier, a world-renowned development economist, a former UK government advisor and a professor at Oxford University. His latest book is Left Behind: A New Economics for Neglected Places: https://amzn.to/4cRWIIm....

Women are so much worse off with their pensions than men - to the tune of about £100k on average. What is going on and how do we fix it? We're speaking to Emilie Bellet the Founder and CEO of Vestpod, a digital platform and community that empowers women financially through education. 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝...

We think facts are always helpful because they're the truth but that's only half the story when it comes to our finances. Alex Edmans is an economist and Professor of Finance at the London Business School. His book ‘May Contain Lies’ explains how our biases are exploited and what we can do about it.  💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/liste...

We can’t talk enough about the pension’s crisis. Most people aren’t saving enough for the life they are going to want and something has to be done about it. We cover the big questions: why is there a problem, how much we really need to be saving and will the state pension even exist when you retire? Tom McPhail is a pensions industry expert. A former Head of Policy at Hargreaves Lansdown, he now w...

We've got news - we've started a new company called Most and have bought the Making Money podcast from Kindling Media. You can check out Most here: https://getmost.co.uk/. If you want us to come into your workplace to give a financial education, email Will on will@getmost.co.uk.

As a trader, Patrick Boyle spent decades looking at data and using it to try to predict what’s going to happen. Now he is an ex-hedge fund trader and one of the biggest finance YouTubers in the world. He explains what he thinks will happen over the next 10 years in investing and whether Brexit is really to blame for the UK’s economic woes.  💬 Do you have a money story you'd like to share on the p...

You asked us: As parents, how do you cope with cost of parenting? How do we get politicians to listen to our financial concerns? 💬 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...

You asked us: What do you do to stop yourself overly worrying about your financial future? I’d really like to start investing, but I don’t know whether I should use my bank’s ISA plan or maybe open a Vanguard or Trade 212 account? Or both? 🤝 Find the right financial adviser service for you & book free chat: ⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎉 Sponsors Franchise Ex...

You asked us: When I started work the advice was to buy a house and then worry about your pension, is that still true? Is investing in the US is effectively investing globally?  🤝 Find the right financial adviser service for you & book free chat: ⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎉 Sponsors Franchise Exhibition - go for free: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.franchiseinfo.co.u...

You asked us: Is it too late to start investing at 50? How do you save during the cost of living crisis? 💬 Do you have a money story you'd like to share on the podcast? ⁠⁠https://makingmoney.email/listener-story-form 🤝 Find the right financial adviser service for you & book free chat: ⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎉 Sponsors Franchise Exhibition - go for free...

Can you really get rich by cutting costs? Is the 4% rule right for everyone? What are the biggest mistakes we make when it comes to tax? Chris Bourne has worked in the finance industry for over 20 years and is a personal finance YouTuber. We got him on to talk about our biggest misconceptions about building wealth and how we can do it in the most tax efficient way. 💬 Do you have a money story you...

If capitalism continues to go uncontrolled it will destroy democracy, says Martin Wolf, Chief Economics Commentator at the Financial Times. In his book 'The Crisis of Democratic Capitalism' he argues that market capitalism and democracy rely on each other to function but that both are failing. How did we get here, what’s at stake, and is there anything we can do?  Martin’s book: https://amzn.to/3U...

Are Global Index Funds too exposed to the US tech sector? Would it be better to just be invested in those companies and get much higher returns? What happens if everyone was a global index investor? Recently Damo did a video on his channel in response to an increase in articles raising concerns about Global Index Funds (https://www.youtube.com/watch?v=nz0Ecl_QnXk). He talks T through those concern...

Tom Morgan has worked in the financial advice industry for 12 years. Recently he decided to go it alone as a financial advisor because he has big concerns about how the industry works. 🤝 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 ❓Survey - how are you saving for your future? ⁠⁠⁠https://making...

How do younger generations deal with the financial challenges they’ve been dealt? And is it really harder than it was for their parents? Iona Bain is a writer, speaker, broadcaster and author of ‘Own It: How our generation can invest our way to a better future’. She started the Young Money blog in 2011 to help young people get to grips with personal finance and is currently BBC Morning Live’s mone...

How do politicians escape accountability for their lies? Why is there wasteful spending on poorly conceived projects that aren’t based on evidence? How has a tax system been created that is more than confusing? Ian Dunt is a political writer and commentator who's just written a book called ‘How Westminster Works...and Why It Doesn’t’.  Ian’s book: https://amzn.to/4asCi7F 💬 Do you have a money sto...

What does the recent history of crypto teach us about it today? FT Journalist Joshua Oliver won awards for his reporting of the collapse of FTX, the crypto exchange founded by Sam Bankman-Fried, known as SBF, who was sentenced to 25 years in prison for fraud and related crimes in March 2024. Joshua has written a book on it which you can find here: https://amzn.to/3xjRq8B Listen to part one of our...

Where is the value in cryptocurrencies like Bitcoin and Ethereum? Can they help returns without introducing too much risk? Is Bitcoin getting more stable? If you want to invest, where do you do it? Tom Rodgers is a freelance financial writer and analyst specialising in cryptocurrency. He is the former Head of Research for ETC Group, which runs the biggest Bitcoin fund in Europe. For more from Tom:...