The Money To The Masses Podcast

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien provides a comprehensive guide on travel insurance. With summer holidays approaching, he outlines exactly what to look for in a policy, including the essential features, optimal coverage amounts, and the most common myths that leave holidaymak...

In this week’s episode, Damien shares some of the essential rules and concepts he has used in order to build lasting financial habits. These include practical ways to manage your budget, the importance of paying yourself first and avoiding lifestyle creep to help provide a comfortable financial future. Next, Andy looks at recent research on the interest applied to monthly car insurance premiums an...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien discusses the confirmed changes to Stocks and Shares ISAs scheduled for April 2027. With the cash ISA allowance dropping to £12,000 for those under 65, the government is introducing a 22% tax charge on interest earned from uninvested cash held...

In this special investing episode, Kyle Caldwell (Funds and Investment Education Editor at ii) and Damien discuss the complete investing lifecycle - from Junior ISA portfolios and investing in your 40s and 50s, right up to building a sustainable income for your retirement. Whether you are just starting out or preparing to draw a pension, this episode is packed with actionable insights to help you...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien revisits a classic episode on how to build good money habits. He reveals the simple daily routines that have helped him take control of his finances, including automating his savings, setting a monthly spending plan, and adopting ta...

In this week’s episode, Damien discusses the latest figures from the Pensions and Lifetime Savings Association (PLSA). He breaks down the exact amount you need in your pension pot to achieve your desired retirement lifestyle and reveals the monthly contributions required to get there, regardless of your current age. Next, he explains split mortgages, highlighting the potential benefits and drawbac...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien shares the last-minute checks you should make before switching your investment funds. Switching funds can seem straightforward, but hidden charges, differing share classes, and specific platform rules can easily catch you off guard....

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien revisits a classic episode from February 2025 on investor behavioural biases. He explores how human nature often leads to irrational financial decisions and examine seven common psychological traps, including loss aversion, confirma...

In this week's episode, Damien takes a look at the latest banking offers, revealing the ways you can get paid for carrying out your everyday banking. He explores the best current accounts for cashback with rates boosted up to 4%. He also looks at the best bank account switching deals before rounding up the best cashback credit cards on the market. Finally, he provides a summary of the best inv...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien explores the well-known 4% rule for retirement withdrawals and explains why relying on it during periods of market volatility could put your pension at risk. He then reveals an alternative approach highlighted by Vanguard known as &...

In this week’s episode, Damien and Andy are doing something a little different by sharing and expanding on the timely, bite-sized financial updates they regularly post across our social media platforms. Much of the fast-moving news we cover on our Instagram, TikTok, and YouTube channels, such as the latest government announcements and real-time energy cap updates, do not make it onto the podcast....

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien highlights the inequality that exists between people on low incomes and those that are wealthy. He explains how the game is rigged in favour of those with high incomes, in terms of access to specialist advice, financial products, an...

In this week's episode, Damien discusses new research on the 4% pension withdrawal rule, exploring sustainable retirement income rates and the optimal asset allocation between equities and bonds. Andy then examines the latest property market data, highlighting the growing regional divide in UK house prices and what the current market conditions mean for both buyers and sellers. Finally, he loo...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic from November 2021, where he explains the correlation between bonds and equities. He then brings it back to the present day, explaining the current financial landscape, highlighting a concerning disconnect between soaring st...

In this week's episode, Damien discusses the evolving landscape of financial advice, from the introduction of "targeted support" to the rise of simplified advice. Damien also explains the key differences between full and restricted advice and how the new advice categories aim to close the UK's advice gap. Finally, Andy looks at the energy payment cycle, explaining how to calculat...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic from July 2021, offering a comprehensive, step-by-step guide to achieving financial freedom. He talks about budgeting, debt management, building an emergency fund, and emphasises the importance of a long-term investing strat...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic episode from March 2025, that offers 26 tips on how you can boost your pension and prepare for retirement. In it, he covers topics such as maximising your pension contributions, reviewing and consolidating your pensions, see...

In this week's episode, Damien tackles the famous "Sell in May and go away" investment adage. Should you really cash out of the stock market to avoid a summer slump before reinvesting in the autumn? He looks into the latest research to see how this strategy holds up across UK and global markets. Finally, Damien and Andy expose the little-known credit card traps that could end up cost...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic conversation about teaching children the fundamentals of building wealth. Prompted by an unexpected question about Bitcoin, he shares a personal story of how he guided his teenage daughter through the realities of money mana...

In this week's episode, Damien and Andy discuss 9 ways to spring-clean your finances, covering everything from budgeting to taxes. Damien then discusses the UK investment gap and the 15 million Brits who are hoarding £610 billion in cash, and why that is a problem. Check out this week's ⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠ on the...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien and Andy provide tips on how to avoid over-insuring, choosing the right policies and how you can earn up to £100 cashback when buying a new policy. Resources: ⁠⁠ Request a callback (and receive up to £100 cashback when you take out a policy) S...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, we explore emergency funds and whether having a separate 'rainy day fund' could help you stay on track and avoid getting into debt. Resources: ⁠Listen to the full episode - Ep 346 Follow Money to the Masses on social media: YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠...

In this week's episode, Damien and Andy highlight 15 of the most prevalent scams to watch out for in 2026, including the steps you can take to avoid becoming a victim. Check out this week's ⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠ on the Money to the Masses website to see the full list of resources from this week's show. Follow Mon...

Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. The FIRE movement is a financial strategy focused on aggressive saving and investing, with the ultimate goal of retiring decades earlier than the traditional retirement age. In this episode, we explore 'Coast Fire', an alternative to the traditional FIRE move...

Welcome to the first episode of the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, we focus on the end of the tax year and highlight the key actions you should consider before the window closes on Easter Sunday. Check out our full, updated tax-year-end checklist below: https://moneytothemasses.com/news/end-of-t...