The Money To The Masses Podcast

On this week's podcast, Damien provides a comprehensive investment market update, explaining the key factors that are driving markets as we head into Autumn. Looking ahead, he explains what investors should be keeping an eye on, including upcoming central bank decisions, potential volatility in the bond market and why the "bad news is good news" mentality is currently driving investo...

On this week's podcast Damien explains how the rise of short-term 'bonus' rates are creating a price war amongst providers. He reveals how these types of rates can leave you worse off as a saver before explaining how you can calculate the effective annual rate to see what you’re really earning. Next, Damien looks at whether the classic 4% retirement rule is still fit for purpose. With...

We’ve talked before about the incredible power of long-term investing and compounding, particularly when growing wealth for children. I personally use the millionaire strategy, which aims to make my children millionaires when they are older. The strategy is built upon several key principles discussed in our How to Become a Millionaire podcast episode. We’re excited to announce that we have partner...

On this week's podcast Damien explains the latest development in the car finance mis-selling scandal and what action you need to take. He also discusses the latest Bank of England base rate cut. While it was widely anticipated, he explains why the market was caught off guard by what was contained in the accompanying meeting minutes. Check out this week's ⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠ o...

In this week's podcast Damien provides a complete buy-to-let guide, including the latest tax rules and recent legislative changes. Next, Andy reveals some of the little-known state benefits you might be entitled to. Finally, Damien answers some of the most popular questions you've been asking DaMoney, the new AI guidance tool from Money to the Masses. Check out this week's ⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠podcast arti...

In this week's episode, Damien discusses the sustainability of the UK state pension, explaining why younger generations are likely to experience significant increases in state pension age. Damien and Andy then discuss the likely 30% increase in water bills over the next five years due to necessary infrastructure upgrades and what you can do to combat the rise. Finally, having answered over 3,000 q...

In this week's episode Damien unveils his purpose-built AI guidance engine "DaMoney". Powered by 15 years of Money to the Masses guidance, DaMoney uses the vast library of unbiased knowledge built by Money to the Masses since 2010 including thousands of fact checked articles and hundreds of podcast and YouTube videos. The tool is the first of its kind in the UK and is designed to pro...

In this week's podcast, Damien reveals whether Renting or Buying a property is best using his own purpose-built calculator. Next, he discusses two ways you can make money from your credit card. Finally, Andy reveals the details of a widespread holiday scam, explaining how to avoid becoming a victim. Check out this week's ⁠⁠⁠⁠ ⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠ ⁠⁠⁠⁠ on the Money to the Masses websit...

This week Damien explains why saving your first £100,000 is the crucial milestone if you want to be wealthy. He then looks at Premium Bonds, revealing the possible returns you can expect if you have the maximum £50,000 holding. He also explains how to improve your chances of winning a £1 million prize. Finally, Andy discusses the proposed changes to how council tax payments are collected. Check ou...

In this week's show Damien explores the proposed changes to Inheritance Tax (IHT) on defined contribution pensions, set to begin in April 2027. He also discusses strategies that could be used to mitigate the potential impact. Next, he takes a look at how much money you'll need in retirement in order to achieve a minimum, moderate and comfortable lifestyle. Finally, Andy explains how you ca...

In this week's podcast, Damien examines the latest wealth data, which reveals the average wealth of UK households by age and region, looking at everything from property and pensions to savings and investments. Damien also covers the significant update to the Winter Fuel Payment for the upcoming winter, explaining the new rules, who will be eligible, and how a new income threshold will affect h...

In this week's podcast, Damien provides a comprehensive update on the UK property and mortgage market. He reveals the latest Bank of England interest rate predictions, provides a snapshot of the best mortgage deals currently available and how you can lock in a mortgage rate in advance of your existing one ending. He also discusses the re-emergence of 100% (zero-deposit) mortgages, detailing th...

In this week's episode, Damien takes a look at ethical and sustainable investing, explaining the FCA's new fund labelling rules (SDR) and shares some of the best free tools that can help you find investments that match your values. Next, Andy explains how some energy customers who had prepayment meters wrongly installed could receive up to £1,000 compensation. Then, with the energy price c...

In this week's episode, Damien takes an in-depth look at pension transfers. He provides a list of pros and cons, shares the latest research on how long pension transfers take with different providers and finishes up with a guide on how the pension transfer process works. Next, he debunks 10 common credit myths, addressing misconceptions about credit scores, debt management and the impact of making...

On this week's show, Andy highlights seven of the most prevalent holiday scams to watch out for as summer approaches. Next, Damien takes a look at UK tax codes, explaining how they work, what the letters and numbers mean (eg. 1257L), why they can often be incorrect and the steps you can take if you think your code is wrong. Finally, Damien shares a critical warning for those who diligently pay...

On this week's show Damien explains how to cut the cost of prescriptions, particularly for those requiring multiple items or those receiving HRT. Damien then shares some key lessons from successfully managing his £50k investment portfolio over the last 10 years. Finally, Andy explains how the energy payment cycle works and why late spring/early summer is an opportune time to check your energy acco...

On this week's show Andy explains how the Help to Save scheme works including how you can get a free £1,200 Government bonus. He also discusses the recent changes to eligibility rules that have resulted in over half a million more people now being able to benefit from the scheme. Damien then takes a look at the soaring price of gold, discussing the reasons behind its recent rally to all-time highs...

In this week's podcast, Damien breaks it all down. We explain recent developments (which are changing by the hour), discuss the immediate impact on investments, look at what could unfold in the coming weeks and explain how this might impact your finances. Watch the whole show on YouTube ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ : Check out this week's  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast article ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on the MT...

This week, Damien and Andy recorded their 500th podcast in Spiritland studios in Kings Cross. In this celebration episode they take a look back at the history of the Money to the Masses podcast and how it has evolved from those early days of recording at Andy's house, late at night trying not to wake his children. They share some happy memories and funny stories before moving onto how they see the...

On this week's show I reveal the best stocks & shares ISAs in 2025, providing a comprehensive review of the leading investment platforms and trading apps in the UK. I analyse the cheapest managed and self-invested ISAs and provide details on how to get the best cashback and fee-free deals when signing up. I also look at recent performance and how the various platforms compare before revealing...

In this bonus episode of the Money to the Masses podcast, Damien is joined by Kyle Caldwell, Funds & Investment Education editor at Interactive Investor. During their chat, they discussed the intricacies of building investment portfolios, focusing on key aspects such as diversification, asset allocation and the importance of understanding fund performance. This should not be considered financi...

On this week's show Damien runs through some of the financial planning considerations ahead of the tax year end. He then gives an important update on the car finance mis-selling scandal, including some important dates for your diary. Damien also explains why you might receive a payout without having to do anything. Finally, Andy explains the changes Chase Bank has made to its current account c...

On this week's show Damien explains more than 20 ways to boost your pension pot. Damien also discusses why time is running out for some people aged between 40 and 73 who could boost their state pension by paying voluntary National Insurance contributions. Finally, Andy reveals a little-known tip when checking your eligibility for a credit card offer. This show is sponsored by ⁠PensionBee⁠ the UK's...

On this week's episode Damien discusses the importance of understanding the correlation between different asset classes when building a diversified investment or pension portfolio. He then reveals which assets have been the best portfolio diversifiers and performers over the last 5 years. Damien then takes a look at the best Moneyhub alternatives following the news that the budgeting app is se...

On this week's episode Damien and Andy talk about their best and worst money decisions ever. They also discuss how good and bad luck have affected their finances at various points in their lives. Most important of all, Damien explains why it's essential everyone acknowledges the good, the bad, the lucky and unlucky decisions they've made if they are to make better decisions in the future. Thank yo...