Mouthy Money: Building wealth with long term investing and saving strategies

Every month, Ed and Chris put real money into their own strategies, run them live on Stratiphy and compare results with an expert on hand to explain the damage. If you want to explore Stratiphy or build your own rules-based portfolio, you can use our referral link: 🔗 https://www.stratiphy.io/referrals?code=INVESTINGSTAKES Disclosure : This is a referral link. We may receive a benefit if you sign...

Somewhere in Britain, someone has £40,000 in a savings account and can't tell you why. It crept up a pound at a time, each one buying a little more peace of mind. And most of it is now going backwards. We're taught that saving is the safe choice. But past a point, cash stops protecting you and starts costing you — and almost nobody can tell you where that point sits. This week, Ed and Chri...

Most of us treat our monthly budget like a fixed thing: money comes in, bills go out, and whatever's left is what's left. But that's rarely the whole story. In this episode, Edmund and Chris dig into how to sweat every pound in your budget — the five rules they actually use themselves, where they're getting it right, and where they're (cheerfully) getting it wrong. No "ski...

Mortgage rates were supposed to be climbing — Middle East tensions, inflation creeping back, every reason for lenders to get nervous. So how has Chris just secured a deal cheaper than the one he's on? In this episode he walks through exactly how he did it: the rate he's reserved, why he hasn't signed yet, the fix-vs-tracker decision we couldn't quite agree on, and how long he's got before the Sept...

Chris has just passed £100,000 in his pensions — the "tipping point" where, in theory, your investment growth starts doing more work than your own contributions. In our last episode we explained what the tipping point is. This time it's personal: Chris has hit it, and the question is what comes next. Ed and Chris talk through the three big questions that follow the milestone. How did...

Anthropic — the company behind Claude — has filed confidentially for an IPO, with OpenAI and SpaceX circling public markets too. The valuations are staggering. But when expectations run this high, the debut itself becomes a test: is this a once-in-a-generation boom, or are the warning signs already flashing? If you want to explore Stratiphy or build your own rules-based portfolio, you can use our...

Politicians keep saying they don't want to be "in hock to the bond market" — but what does that actually mean, and who is the bond market anyway? In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite (MRM) pull back the curtain on UK gilts: what government bonds are, how they work, who really owns Britain's £2.9 trillion national debt, and why all of it matters for normal peo...

Inflation is falling in the UK, at least, according to the official numbers. But for a lot of people, the cost of living still feels painfully high. Petrol prices are rising again, energy bills could jump later this year, and households are still feeling the aftershocks of the inflation spike that followed the Ukraine war. In this episode of the Mouthy Money Podcast, Ed and Chris dig into the late...

Are you staring down the barrel of a remortgage? You aren't alone. In this episode, Ed and Chris tackle the ultimate UK homeowner’s dilemma: do you lock in the safety of a fixed-rate mortgage, or roll the dice on a tracker in a completely unpredictable market? With his own remortgage deadline looming, Chris pulls back the curtain on his options, the maths behind his strict new household budget...

In this episode of Mouthy Money, Ed is joined by Sahar Nazir to tackle the ultimate financial dilemma: should you spend your hard-earned cash on an annual holiday, or invest it for your future? With the average Brit planning to drop over £5,500 on holidays this year, we break down the staggering maths of compounding interest. Could that week in the sun actually be stealing half a million pounds fr...

The stock market just keeps going up, but with ongoing global uncertainty and volatility, why ? In this episode of Investing Stakes, in partnership with Stratiphy, Ed, Chris T, and Chief Investment Officer Chris Ling. consider the psychology of market reversals and why earnings are currently outshining geopolitical tensions.  If you want to explore Stratiphy or build your own rules-based portfolio...

Are you exposing your money to the wrong kind of risk without even realising it? Everywhere you look online, people are talking about the power of investing—even the government has launched a "savvy squirrel" campaign to encourage it. But what happens when you skip step one? In this episode of Mouthy Money , we dive into a brand-new report from Leeds Building Society that reveals a massi...

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251 This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more. Are you exhausted by the "Perma-Crisis"? Here is how to fight back.   Does it feel like we are living in a constant state of emergency? From supply cha...

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251 This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more. Has the golden era of the UK buy-to-let market come to an end? The headlines might say yes, but the reality is much more complex. In this episode of the Mouthy M...

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251 This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more. In this episode of the Mouthy Money podcast, Edmund Greaves sits down with Lisa Kelly, a claims expert at protection insurance broker LifeSearch, to examine the...

The Middle East conflict is sending shockwaves through the market. While most investors are panicking, Stratiphy expert Chris Ling explains why "sitting on your hands" is the ultimate power move for your ISA. If you want to explore Stratiphy or build your own rules-based portfolio, you can use our referral link: 🔗 https://www.stratiphy.io/referrals?code=INVESTINGSTAKES Disclosure: This is a refer...

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251 This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more. Most people treat their pension as a passive "set and forget" savings account. They are wrong. In this episode, Edmund Greaves and Chris Tuite are join...

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251 This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more. Are you building wealth, or are you just "managing a slow-motion crisis"? In this episode, Ed and Chris pull back the curtain on the "Middle-Class...

Stop aiming for a retirement age that doesn't exist anymore.  🛑 If you have "55" in your head as your magic number to quit work, you’re aiming for a ghost target. Between the private pension age rising to 57 in 2028 and the State Pension creeping toward 70, your money might be locked away much longer than you planned. In this episode of the  Mouthy Money  podcast, Edmund Greaves and...

In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite break down how the escalating Iran crisis could ripple through energy markets, inflation, interest rates and ultimately your mortgage. While we’re not a geopolitics show, the financial consequences of global instability are impossible to ignore. Rising oil and gas prices are already shifting market expectations around Bank...

In Episode 2 of Investing Stakes, Edmund Greaves and Chris Tuite review their live £500 investment portfolios on the Stratiphy platform, two weeks after launch. One portfolio is up 3.13%. The other is trailing the market. But the real story isn’t short-term returns, it’s what’s happening beneath the surface of global markets. If you want to explore Stratiphy or build your own rules-based portfolio...

Why are so many Brits still afraid to invest? And can an AI squirrel really change that? In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite look at the Government’s push to get more people investing, including a controversial marketing campaign reportedly built around a “savvy” AI-generated squirrel. Will a multi-million pound advertising drive boost retail investing in th...

Politicians keep telling us the economy is improving. GDP is growing. Inflation is falling. So why does it still feel like we’re getting poorer? In this episode of Mouthy Money, we dig into the widening gap between headline economic data and everyday reality. Polling expert Scarlett Maguire, founder of Merlin Strategy, explains why voters don’t associate economic growth with improvements in their...

After securing £50,000 on BBC Dragon’s Den, fintech founder Jinesh Vohra joins us to discuss a question facing millions of homeowners: should you be paying off your mortgage early? In this episode, we explore the fundamentals of mortgage overpayments, how interest is front-loaded in the early years of a loan, and whether it makes more sense to reduce debt or focus on long-term investing — particul...

Solo living leaves people with far less disposable income, lower investing rates and weaker financial safety nets.  But why does being single cost so much more? In this episode of Mouthy Money, we count the costs of the “single person financial penalty”. With insights from Hargreaves Lansdown’s Helen Morrissey, we look at what singles (and couples) can do to protect their financial futures. *On th...