Vignes

Plouta: For Financial Wellness

Business EN ↓ 6 episodes

ABOUT PLOUTA Our mission at Plouta is to empower you with clear, impartial knowledge to help you protect your money, safeguard your future, and achieve financial independence. Subscribe for more expert guides on personal finance, investing, and pensions in the UK. DISCLAIMER This podcast contains general information and is for informational and educational purposes only. It does not constitute financial advice. The suitability of any savings rate or financial product depends on your individual circumstances and goals. The value of investments can go down as well as up. Always seek professional...

Author

Vignes

Episodes

When Do I Need a Financial Adviser? 05.11.2025 11:50

Most people think financial advice is only for the wealthy but that’s not the case. In this episode, Vignes (Founder of Plouta) talks with FCA-regulated Independent Financial Adviser Joshua Shepherd about when and why you might consider working with a financial adviser, what it really costs and how they can help you achive finanical independence. What you will hear in this podcast: ✅ What’s the d...

Why Most Budgets Fail (and How to Fix Yours) | UK Money Tips by Plouta 22.09.2025 6:19

Feel like money’s vanishing from your account? You’re not alone. In this episode, Vignes (Founder of Plouta) sits down with FCA-regulated financial adviser Joshua Shepherd to explore why budgeting often fails — and how you can finally make it work. We’ll cover: ✅ Why budget planning is key to financial freedom ✅ The psychology of overspending and emotional triggers ✅ Why most budgets don’t stic...

ISA vs Pension: Which Should You Use in the UK? 13.09.2025 5:43

Both ISAs and pensions have tax benefits, but which is right for you? In this episode, Vignes (Founder of Plouta) is joined by FCA-regulated financial adviser Joshua Shepherd to break down the pros and cons of each option, and when to use them. We cover: ✅ When to choose an ISA over a pension and vice versa ✅ The current ISA allowance and different types available ✅ Is the Lifetime ISA still wo...

How Much Pension Do I Need to Retire in the UK? | Pension Planning Explained 13.09.2025 14:06

Most UK adults don’t know if they’re saving enough for retirement. In this episode, Vignes (Founder of Plouta) is joined by FCA-regulated financial adviser Joshua Shepherd to explain everything you need to know about UK pensions. We discuss: ✅ Why pension planning matters ✅ The State Pension — who qualifies and how much it pays ✅ How much you need to retire at 60 or 65 ✅ Workplace pensions and...

How to Start Investing in the UK | Beginner’s Guide 13.09.2025 28:20

Got £50 or £100 a month to spare? Should you save it or invest it? In this episode, Vignes (Founder of Plouta) is joined by FCA-regulated financial adviser Joshua Shepherd to explore the basics of investing in the UK. We break down the difference between saving and investing, Stocks & Shares ISAs vs pensions, index funds, and how risky investing really is — all explained simply for beginners.

How Much Should You Actually Be Saving? A UK Financial Adviser's Guide 13.09.2025 11:07

How much of your salary should you actually be saving every month? 10%? 20%? It's the most common question in personal finance, and it can be hard to know if you're on track. In the first-ever episode of the Plouta Financial Wellness Podcast, we're joined by UK financial adviser Joshua Shepherd to give you a clear, practical framework. We break down the 50/30/20 rule, explain the difference betwee...