The Making Money Simple Podcast

Will AI Replace Accountants, Auditors or Finance Business Partners? Owen from 'Owen Talks Finance' joins me on this podcast episode to discuss this very topical question.In this episode, we go through:How to use AI to enhance your jobWhat jobs are at risk due to AI The pros and cons of using AI in the workplaceHow AI can improve your personal lifeAnd moreListen to the episode for the full details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Thanks for listening to this episode!Source: https://www.etfstream.com/articles/vanguard-plots-size-factor-etf-rollout-in-upcoming-launch-spreeIs anyone planning on investing in this new FTSE Global All Cap ETF once it's released? -----------------------------------------More Investing:📝 How I can help you & download my free investing guide to help you start investing - ⁠click here⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠click here⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Listen to this next - ⁠ EVERYTHING You Need To Know About Pensions (State, Workplace, SIPPs & more)In this podcast episode, we answer a great question:'Should I use a workplace pension, SIPP or Stocks & Shares ISA?'In really comes down to tax optimisation vs flexibility.In this episode we break down the key differences, when each one makes sense and the simple framework I use to decide which one to focu on.Listen to the podcast episode for the full details.And thanks for the question Craig! If you have a question, feel free to email me: makingmoneysimple1@gmail.com -----------------------------------------More Investing:📝 How I can help you & download my free investing guide to help you start investing - click here📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - click here-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Christos from Fellas Finance joins me on this episode to discuss his investing journey.From early mistakes, to building up a £120k portfolio by 34, to aiming to get to £1m by 50.This episode is an insight into Christos' journey to date and future plans.In this episode we also discuss overpaying your mortgage vs investing, the biggest determinants of investing success, what we personally invest into, and more. Listen to the episode for the full details. -----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Sign up to my email newsletter - https://www.makingmoneysimple.co.uk/NewsletterWorkplace pension YouTube video - https://youtu.be/idEI30WR5RYHow I can help you - https://www.makingmoneysimple.co.uk/-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

My website & how I can help you - https://www.makingmoneysimple.co.uk/New Vanguard Global LifeStrategy funds - https://www.vanguardinvestor.co.uk/articles/latest-thoughts/how-it-works/introducing-lifestrategy-global-a-new-way-to-diversify-your-portfolioFreetrade fee change - https://freetrade.io/blog/free-pension-free-funds?lid=3w0mpl2166lw&utm_source=braze&utm_medium=email&utm_campaign=2026_01_23_Free_SIPP_Free_Mutual_Funds_Service&utm_variant=Variant%201HL fee change - https://www.hl.co.uk/help/income-and-fees/fees-explained/fee-changesPotential LISA changes - https://moneyweek.com/personal-finance/isas/lifetime-isa-reform-new-product-retirement-option-scrappedTimestamps:0:00 - Intro0:48 - New Vanguard Global LifeStrategy funds4:08 - Freetrade fee change 9:06 - HL fee change 13:34 - Potential LISA changes-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Will from @nextgenngpf joins me on this episode to discuss 5 of the best side hustles to try in 2026.The first two are open to anyone.The remaining three are also open to anyone, but they're more geared towards those who are already making content online.We discuss each side hustle, the pros, cons, earning potential and what you need to know. Listen to the episode for the full details. -----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Should you invest for your children… or yourself first?Owen from 'Owen Talks Finance' joins me on this podcast episode to discuss both:Investing for yourself, as you bring up childrenAnd investing for your childrenIn this episode, we go through: why your own investing and retirement should probably come first, how to invest for your children, balancing investing for yourself vs your children, why even small amounts for kids are so important - and more.Listen to the episode for the full details. -----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

How I can help you - ⁠⁠click here⁠⁠It took me 6.5 years to reach £100k invested. But here's what often isn't talked about:Most of that wasn't compounding.It was my own contributions.Early on, how much you invest matters far more than what returns you get.If investing feels slow at the start - that's normal. Don't feel disheartened. Stick with it and be consistent.And if you are feeling like this, then this episode is for you and I hope it makes you feel a bit better and reassured.-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Listen to our other episode - What to look for when selecting a fundTom from 'Tom's Personal Finance' joins me on this podcast episode to discuss potentially the best global ETF for UK investors in 2026.We analyse the ETF (Ticker: ACWI) - looking at the index it tracks, what it invests into, the fee, and more. You can take this exact criteria and apply it yourself when assessing funds.Finally, we discuss whether this is the best global ETF and how it compares to other popular global ETFs (VWRP, FWRG).Listen to the podcast episode for the full details.Timestamps:0:00 - Intro1:20 - Index3:40 - Holdings6:32 - Fees8:25 - Other details18:41 - Is this the best global ETF?19:42 - Comparison to other global ETFs (VWRP, FWRG)23:42 - How to pick one25:25 - Outro-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

How I can help you in 2026 - click hereWatch this next - Revealing my £180k portfolioTimestamps:0:00 - My 2025 growth2:28 - Exactly what I invested into in 20258:16 - 2025 capital gains11:45 - Top 3 2025 takeawaysListen to the podcast episode for the full details.-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Listen to this next - What is the best Global ETF? In this podcast episode, we answer a common question:'Do you really only need one global ETF in your investment portfolio?'The answer is yes and no.Yes - if you want to keep your approach as simple as possible.No - due to various reasons. We run through 6 scenarios where you might want to invest into more than just one global ETF. Listen to the podcast episode for the full details.-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Tom from @tom.tpf joins me on this podcast episode to discuss 10 of the top ETF mistakes that investors make.Investing into too many different ETFs, not understanding what an ETF actually invests in, how FX impacts returns, only focusing on an ETFs fee, just to name a few.Listen to the podcast episode for the full details!Other useful episodes mentioned:1. What To Look For When Selecting An Index Fund or ETF - https://open.spotify.com/episode/2sdBm4cFYer5ljiQAGZNC3?si=ZnEqarGUTj6ShWVVma2m_A2. Are UK Investors Worse Off Than US Investors Due To FX? - https://open.spotify.com/episode/2JorWR1NOSYW1vhkEX31Si?si=XJabxL9cT-S0kbxvVJzZTA-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

I've been investing for over 8 years and have built my investment portfolio to £180,000.In this podcast episode, we go through the 10 most important lessons that I've learnt along the way. Listen to the podcast episode for the full details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Georgiy from @Funancialism joined me on this episode of the podcast to discuss ‘alternative investments’. Including his investments into Pokémon cards and one piece cards. I’m a complete beginner in this space, so was asking as many beginner questions as possible. Georgiy dropped a lot of gems and facts, going on to say that everyone should have at least 1% of their portfolio in alternative investments. Listen to the podcast episode for the full details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

The 10 most important things that changed that you need to know after the UK 2025 Budget yesterday.Plus, 8 things that didn't change (that you should still know about).What did you make of the budget? Let me know in the comments below.Listen to the podcast episode for the full details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

In this podcast episode, I answer a question from Scott.The question was: 'Have you ever covered how to invest when you’ve maxed out your 20k isa allowance?'We go through the options, starting with a pension and a general investment account (GIA), before moving onto more niche options and some other ideas - from SEIS/EIS/VCT to crypto and gold and more. We also cover limited companies and the 'order of investing priority', including some scenarios of what investment accounts to prioritise based on your situation. Listen to the podcast episode for the full details.Timestamps:0:00 - Question from Scott1:53 - Pension3:20 - Workplace pension or SIPP?4:38 - General investing account6:55 - Accounts are ‘wrappers’7:38 - SEIS and EIS9:13 - VCTs10:33 - Other options - property11:11 - Crypto11:43 - Gold12:35 - P2P lending13:05 - S&S Lifetime ISA14:04 - Don’t forget saving goals15:29 - Limited company investing16:30 - ‘Order of investing priority’20:51 - Summary22:53 - Outro-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Gold is up big in 2025, but should you invest in it? And if so, how?In this episode, we break down everything you need to know about gold as an investor. From what actually drives gold’s price, to its long term returns (including the real return after inflation), to how much of your portfolio you may want to allocate - the ultimate beginner-friendly guide.We then dive into the 5 main ways to invest in gold, including the pros, cons, fees, and tax implications of each option.These options include: physical gold, ETCs, ETFs, gold mining stocks and digital gold.

In this podcast episode, I answer a question from Jiani.This is a great question and a fairly common question one - is it better to 'lump sum' invest or 'drip feed' / 'cost average' invest.We go through the data, the pros and cons of each approach, some real life examples, what I personally do, and more, in this podcast episode.Listen to the podcast episode for the full details.Timestamps:0:00 - Question from Jiani: Cost averaging vs Lump sum1:24 - What is the difference?2:45 - What the data shows4:17 - Why lump sum investing wins5:13 - Why cost averaging/drip feeding might still be better7:09 - When does each strategy work best?8:31 - Some real life examples10:17 - The ‘lost decade’ where drip feeding won12:08 - The final verdict13:23 - What do I do?14:4 - Outro-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Mat from @thequidsquid joins me on this episode to discuss all things budgeting.From different budgeting methods, to budgeting techniques, to useful budgeting tools and apps, to juggling your budget whilst investing and saving. Mat shares how he used budgeting personally to save for his own house. As well as how to go about budgeting the average UK salary of £35,000.Listen to the podcast episode for the full details!Timestamps:0:00 - Intro1:17 - Different budgeting methods3:25 - 50/30/20 budgeting7:39 - What techniques did Mat follow to save for a house9:45 - Zero-based budget14:14 - Budgeting for investing17:13 - Other budgeting tips - mindset, LISAs22:23 - How to budget the average £35,000 UK salary26:25 - How much should you save/invest?31:08 - Budgeting apps and tools36:34 - Using multiple accounts41:26 - Final quickfire budgeting tips-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact