Money Mechanics - With Sarah Poynton Ryan

Welcome to Money Mechanics, the podcast where we demystify money and empower you to take control of your financial future! Hosted by Sarah Poynton-Ryan, investor, entrepreneur, and money educator, this show is designed to break down everything from personal finance fundamentals to advanced investing strategies. Whether you're recovering from debt, looking to stabilise your income, or just starting to invest, Money Mechanics will give you the tools and confidence to make your money work for you. Tune in for actionable tips, candid conversations, and expert insights to help you engineer a life of financial freedom.

Welcome to the Money Mechanics Podcast with your host, Sarah Poynton-Ryan! In this very first episode, Sarah shares her personal journey from being £60,000 in debt to mastering money and investing. She opens up about the lessons she learned the hard way and how understanding money can radically transform your life. This podcast is all about normalising the conversation around money—covering the fundamentals of personal finance, debt recovery, building stable income, and the steps to begin investing. Sarah talks candidly about: Her own experience of debt and poor money management The negative stigma around money and how it impacts our financial decisions Why society doesn’t teach us about financial literacy and how this keeps us stuck The importance of understanding credit cards and the true cost of debt What this podcast will cover: money mindset, debt recovery strategies, smart money management, and how to start investing—even if you're starting with as little as £10 Key Takeaways: Money isn't inherently negative—it's a tool that, when managed well, can change your life. You don’t need to be rich to start investing. Investing is what makes you rich. Changing your financial future starts with discipline and a willingness to do things differently. Links & Resources: Follow Sarah on YouTube: Subscribe here Get Sarah’s book "Money Mechanics": Link to buy Follow & Connect: Instagram: @SarahPoyntonRyan or @Moneymechanics.global LinkedIN: Sarah Poynton

In this episode of Money Mechanics, host Sarah Poynton-Ryan shares the Money Momentum Method — a powerful, step-by-step approach to taking control of your finances. Learn how to prioritise building an emergency fund, tackle high-interest debt, and start investing with confidence, even if you're just starting out. Sarah offers practical, actionable advice for those wanting to achieve financial freedom, starting with small steps that lead to big changes. Whether you’re recovering from debt or planning your first investment, this episode will show you how to create lasting momentum with your money. Key Topics: The Money Momentum Method How to build a 1-3 month emergency fund Clearing high-interest debt (over 7%) Investing for beginners with small amounts The importance of consistency and automation in personal finance If you're ready to make your money work for you, hit play and start building your financial future! Links & Resources: Follow Sarah on YouTube: Subscribe here Get Sarah’s book "Money Mechanics": Link to buy Follow & Connect: Instagram: @SarahPoyntonRyan or @Moneymechanics.global LinkedIN: Sarah Poynton

In this episode of Money Mechanics, Sarah Poynton-Ryan shares practical, actionable tips on how to build your emergency fund by saving just £10 a day. Learn how small daily savings can add up to big results over time and set you on the path toward financial stability. Sarah explains how you can get started even if money is tight, offering ideas for generating extra income without needing to start a full-time business. Key Takeaways: The power of saving £10 a day to build an emergency fund over time How saving small amounts can compound and grow into significant financial security Practical income ideas like online surveys, selling stock photography, or pet sitting Importance of consistency and discipline in financial planning Ways to Make £10 a Day: Do online surveys Sell stock photography Use your skills on platforms like Upwork or PeoplePerHour Pet sitting or dog walking Rent out your parking space Sell unwanted items at car boot sales or on Vinted Rent out a spare room in your home Resources Mentioned: Buy a copy of Money Mechanics Book FreeTrade Investment Platform Upwork PeoplePerHour JustPark Vinted Follow & Subscribe: Follow Sarah on Instagram: Click here Follow Money Mechanics On Instagram Money Mechanics Instagram Channel

Podcast Episode 4: Demystifying Debt Host: Sarah Poynton-Ryan, Investor, Business Owner, and Money Educator Episode Summary: In this episode of Money Mechanics, Sarah dives deep into the often misunderstood world of debt. Drawing from her personal experience of clearing £60,000 of debt in 2015, Sarah shares practical strategies to tackle both "good" and "bad" debt. She debunks the myths surrounding debt, explaining how it can be a tool for growth when managed correctly, and guides you on the journey to financial freedom. Key Topics Covered: Good Debt vs. Bad Debt: Understand the difference between debt that builds wealth (like a mortgage on a rental property) and debt that drains your resources (like credit cards or car loans). Debt Repayment Strategies: Learn about the Avalanche and Snowball methods of debt repayment, with tips on choosing the best one for your situation. Avoiding New Debt: Why creating an emergency fund is essential to prevent future debt, and how to prioritise paying off high-interest debt first. Automating Your Finances: Sarah shares her favourite automation tools (shoutout to Monzo!) to keep you on track without having to think about it. Tracking Your Progress: Why it’s crucial to stay aware of your spending and debt situation – avoiding the temptation to "look away" from the numbers. Resources Mentioned: Chapter 4 of Sarah's book Money Mechanics: A deep dive into the differences between good and bad debt. Budget Tracker: Download Sarah’s budget tracker from her website https://www.sarahpoynton.com/budgettracker YouTube Video: Watch Sarah’s video tutorial on using the budget tracker to take control of your finances 

Welcome to Episode 5 of the Money Mechanics Podcast! In this episode, host Sarah Poynton delves deep into the concept of money mindset, discussing how our financial beliefs and behaviours are shaped by our experiences and upbringing. Key Topics Discussed: Introduction to Money Mindset: The importance of understanding your relationship with money. How financial decisions compound over time to shape your current situation. Different Types of Money Mindsets: Scarcity Mindset: Feeling like there's never enough money and its effects on financial behaviour. Abundance Mindset: The pitfalls of assuming there's always enough, leading to overspending. Entitled Mindset: Growing up believing that you deserve certain luxuries and its impact on financial choices. Ignorance Mindset: The dangers of not discussing or understanding money and its implications. Debt Mindset: Living in a cycle of debt and how it becomes normalised. Guilt Mindset: Feeling shame about spending money on oneself, leading to poor investment in personal well-being. Success Mindset: The risks of measuring self-worth by financial success and neglecting personal health and relationships. Generosity Mindset: The challenges of giving beyond one’s means and the importance of balancing generosity with self-care. Control Mindset: Understanding how past trauma or financial abuse can shape your relationship with money. Risk-Averse Mindset: The necessity of taking educated risks in investment to grow financially. Empowerment through Understanding: Recognising your money mindset is the first step towards change. Practical steps to shift your mindset and improve your financial situation. Call to Action: Reflect on your own money mindset using the questions in Chapter 4 of Sarah’s book, "Money Mechanics." Take proactive steps to understand and improve your financial health. Grab your copy of the book: www.sarahpoynton.com/moneymechanics Connect with Sarah: Website: www.sarahpoynton.com Instagram: www.instagram.com/moneymechanics.global Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!

Welcome to Episode 6 of the Money Mechanics Podcast! In this enlightening episode, host Sarah Poynton dives into the essential yet often overlooked concept of compound interest, famously dubbed the "eighth wonder of the world" by Albert Einstein. Learn how understanding and leveraging compound interest can dramatically enhance your financial future. Key Topics Covered: What is Compound Interest? Definition and differentiation between simple interest and compound interest. Why compound interest is crucial for wealth accumulation. The Million-Pound Question: A thought-provoking scenario comparing receiving £1 million today versus £1 doubling every day for 30 days. The staggering outcome of choosing to invest rather than taking cash upfront. Real-Life Examples: Practical calculations showing the advantages of compound interest over time. How investing £25 each birthday, Christmas, and Easter for a child can lead to significant wealth by age 25. Building a Legacy: Strategies to set up investments for children to ensure financial security. The impact of early investment and time on building wealth. Getting Started with Compound Interest: How much you need to invest monthly to achieve specific financial goals, such as gifting a million pounds on a child’s 35th birthday. The importance of starting early and consistently contributing to investment accounts. Resources Mentioned: Money Mechanics Book: A comprehensive guide to understanding money mechanics, including a dedicated chapter on compound interest. Grab your copy here www.sarahpoynton.com/moneymechanics Compound Interest Calculator: Available for free download in the book to help you calculate your investment needs.  Join the Community: An invite to listeners to join the Money Mechanics Facebook group for further discussions and support. Why You Must Listen: This episode is a game-changer! Understanding compound interest could transform your financial outlook and empower you to make informed decisions that can secure a better future for you and your loved ones. Whether you're a seasoned investor or just starting out, this knowledge is crucial for building lasting wealth. Follow Us: Website: www.sarahpoynton.com Social Media: www.instagram.com/moneymechanics.global YouTube: https://www.youtube.com/@SarahPoynton/ Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!

Episode 7 - Unlocking the Power of Dividend Stocks Welcome to Episode 7 of the Money Mechanics Podcast! In this engaging episode, host Sarah Poynton explores the world of dividend stocks—a powerful tool for generating passive income. If you've ever dreamed of earning money while you sleep, this episode is a must-listen! Key Topics Covered: What Are Dividend Stocks? Understanding the concept of dividend-paying stocks and how they work. The distinction between being a shareholder and managing a company. Passive Income Explained: The true meaning of passive income and why dividend stocks qualify. How to earn money without active involvement in a company’s operations. Real-Life Examples: Case studies of well-known dividend stocks, including Coca-Cola, ExxonMobil, and Ford. Insights from Warren Buffett’s investment strategy and his substantial earnings from dividends. Choosing Dividend Stocks: How to select the right dividend stocks based on payout patterns and company performance. The importance of understanding dividend yields and their implications. Building a Passive Income Stream: Setting financial goals to achieve your "fuck you money" number through dividend stocks. Strategies to replace your monthly income with dividends. Resources Mentioned: Money Mechanics Book: Contains in-depth information about dividend stocks on page 143, including a table of recommended stocks. Grab a copy www.sarahpoynton.com/moneymechanics Free Trade: An investment platform for buying dividend stocks, including an offer for a free share upon sign-up.  Other investment platforms: Hargreaves Lansdown, Trading 212, eToro, and more. Join the Community: An invitation to reach out with questions and connect through our Money Mechanics FREE Facebook Group Why You Must Listen: This episode demystifies dividend stocks and highlights their potential for generating significant passive income. Whether you’re a novice investor or looking to diversify your portfolio, understanding how to leverage dividend stocks can lead you to financial freedom. Don’t miss this opportunity to gain actionable insights and transform your investment strategy! Follow Us: Website: www.sarahpoynton.com Social Media: www.instagram.com/moneymechanics.global YouTube: www.youtube.com/@SarahPoynton Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!

Episode 8 - Stocks, Shares, and Investment Funds Explained Welcome to Episode 8 of the Money Mechanics Podcast! In this informative episode, host Sarah Poynton explores the critical distinctions between stocks, shares, and investment funds. If you’ve ever been confused by these terms or wondered which investment path to take, this episode is your guide to understanding the differences and finding the right strategy for your financial goals. Key Topics Covered: Understanding Stocks and Shares: The interchangeable use of "stocks" and "shares" in the UK. The analogy of buying a single rose (stock) versus a bouquet (fund). Pros and Cons of Stocks vs. Funds: Stocks provide the potential for higher returns but come with greater risk. Funds offer diversification, reducing the impact of individual company performance. Investment Strategies: Tips for choosing between hands-on stock investing and more passive fund investments. The importance of understanding liquidity and transaction fees. Accessibility and Minimum Investments: The accessibility of buying fractional shares in stocks versus minimum investment requirements for certain funds. Insights from Sarah's personal investment journey and experiences with fund managers. Tax Implications: Overview of capital gains taxes related to stocks and funds. Recommendations for consulting tax advisors for personalized advice. Resources Mentioned: Money Mechanics Book: Contains in-depth information about dividend stocks on page 143, including a table of recommended stocks. Grab a copy www.sarahpoynton.com/moneymechanics.  Free Trade: An investment platform for buying dividend stocks, including an offer for a free share upon sign-up.  Other investment platforms: Hargreaves Lansdown, Trading 212, eToro, and more.   7. Join the Community: An invitation to reach out with questions and connect through our Money Mechanics FREE Facebook Group Why You Must Listen: This episode is essential for anyone looking to demystify investment terminology and make informed decisions about their financial future. Whether you're considering investing in individual stocks or looking for a more diversified approach through funds, Sarah provides the insights and clarity you need to take confident steps forward. Don’t miss out on this valuable information! Follow Us: Website: www.sarahpoynton.com Social Media: www.instagram.com/moneymechanics.global YouTube: www.youtube.com/@SarahPoynton Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!

Episode 9 - Diversification in Investing In Episode 9 of the Money Mechanics Podcast, host Sarah Poynton delves into the concept of diversification in investing, using the analogy of a "garden of growth." Sarah explains how to create a diversified investment portfolio that can grow steadily and withstand market volatility. Key Topics Covered: The Garden of Growth Analogy: Comparing different investment types to garden elements (e.g., oak trees, hedges, fruit trees, etc.). How each component (property, defensive stocks, dividend stocks, index funds, and high-risk assets like crypto) plays a role in balancing your portfolio. Types of Investments: Property: The sturdy oak tree that grows steadily over time. Defensive Stocks: The protective hedge that shields your investments from market volatility. Dividend Stocks: The fruit trees that pay out passive income regularly. Index Funds: Diversified flower beds that spread risk across multiple sectors. Cryptocurrency & High-Risk Assets: Exotic plants that offer high volatility and reward. How to Start Investing: Tips for beginners on how to begin with defensive stocks, dividend stocks, or index funds. How to gradually build a diversified portfolio without requiring huge initial investments. Resources Mentioned: Money Mechanics Book: Further explanation on creating a diversified portfolio and the garden analogy. Grab a copy www.sarahpoynton.com/moneymechanics.  Coca Cola: Example of a defensive, dividend-paying stock. Index Funds: Suggested as a great starting point for diversification. Why You Must Listen: If you're new to investing or want to refine your strategy, this episode provides invaluable insights into building a balanced portfolio. Sarah offers practical advice to help you avoid risky, overconcentrated investments, making it an essential listen for anyone serious about growing their wealth. Follow Us: Website: www.sarahpoynton.com Social Media: www.instagram.com/moneymechanics.global YouTube: www.youtube.com/@SarahPoynton Subscribe & Share: If you found this episode useful, don't forget to subscribe, rate, and share it with your network!

Episode 10 - Interest Rates In Episode 10 of the Money Mechanics Podcast, Sarah Poynton explains the importance of interest rates and how they impact our daily lives. Drawing from a real-life listener's question, Sarah breaks down the basics of interest rates, how the Bank of England base rate affects both personal finances and businesses, and why everyone—whether renting, saving, or borrowing—should pay attention to this key financial indicator. Key Topics Covered: What is an Interest Rate? Understanding interest as the "rental fee" for borrowing money. How it applies to both savings and loans. The Role of the Bank of England Base Rate: How the base rate impacts inflation and the economy. The effects of raising or lowering the base rate on personal borrowing and savings. Interest Rates and Your Personal Finances: How higher interest rates affect rent, mortgages, and borrowing costs. The difference between variable-rate and fixed-rate mortgages. Why You Should Care: How changes in interest rates affect everything from rent prices to business operations. The broader economic impact, including the cost of goods and services. Resources Mentioned: Bank of England Base Rate: A critical figure in understanding monetary policy. Fixed vs. Variable Mortgages: Explains the difference and what might work best for you. Why You Must Listen: This episode is a must-listen for anyone looking to understand the direct impact of interest rates on personal finances and broader economic trends. Whether you’re renting, saving, or considering a mortgage, this episode equips you with the knowledge to make informed financial decisions. Follow Us: Website: www.sarahpoynton.com Social Media: www.instagram.com/moneymechanics.global YouTube: www.youtube.com/@SarahPoynton Subscribe & Share: If you found this episode valuable, don't forget to subscribe, rate, and share with others!

Episode 11 - Mortgages In Episode 11 of the Money Mechanics Podcast, Sarah Poynton delves into the crucial topic of mortgages, specifically focusing on the differences between interest-only and repayment mortgages. This episode is packed with practical insights for first-time homebuyers and anyone interested in understanding the financial implications of their mortgage choices. Key Topics Covered: What is a Mortgage? Understanding the definition and history of a mortgage ("death pledge"). The basics of getting a mortgage for buying your first home or an investment property. Interest-Only Mortgages: What interest-only mortgages are and how they work. The pros and cons of paying only the interest and the risks of owing the original debt after the mortgage term. Repayment Mortgages: How repayment mortgages allow you to pay down the capital and interest over time. The benefits of eventually owning your property outright and becoming mortgage-free. Key Differences Between Interest-Only and Repayment Mortgages: Comparing monthly payments, long-term financial impact, and future ownership of the property. The advantages of interest-only mortgages for lower monthly payments and the long-term benefits of repayment mortgages for full ownership. Choosing the Right Mortgage for You: How to decide which mortgage fits your financial goals. The importance of consulting with a mortgage broker to find the best deal and guidance on refinancing when needed. Resources Mentioned: Money Mechanics Book: Includes deeper insights into leveraging other people's money and understanding your mortgage options. Grab a copy here www.sarahpoynton.com/moneymechanics.  Mortgage Brokers: How brokers can help you navigate the market and find the right product for your needs. Why You Must Listen: This episode is essential for anyone considering homeownership or looking to better understand the long-term impact of mortgage choices. Whether you're a first-time buyer or someone considering refinancing, Sarah provides clear and actionable advice to help you make the best decision for your financial future. Follow Us: Website: www.sarahpoynton.com Social Media: www.instagram.com/moneymechanics.global YouTube: www.youtube.com/@SarahPoynton Subscribe & Share: If you found this episode helpful, don't forget to subscribe, rate, and share with your friends!

Episode 12 - Debunk The Top 10 Money Myths In Episode 12 of the Money Mechanics Podcast, Sarah Poynton debunks the top 10 money myths that have been circulating and causing confusion for many. This episode is the perfect wrap-up for the series, offering clarity on common misconceptions about investing, debt, saving, and financial freedom. Whether you're just starting your financial journey or looking to refine your approach, this episode provides the truths that will help you move forward with confidence. Key Topics Covered: You Need a Lot of Money to Start Investing Debunking the myth with fractional shares: Start investing with as little as £5 or £10. Debt is Always Bad Understanding the difference between good debt (e.g., buy-to-let mortgages) and bad debt (e.g., credit card debt). Saving is Safer Than Investing Why inflation erodes the value of savings and why investing is more likely to outpace inflation. Financial Freedom is Only for the Wealthy How financial freedom is achievable for anyone through disciplined money management, intentional investing, and diversifying income streams. Renting is Throwing Away Money Why renting isn’t always a waste, and how it can offer flexibility and breathing room for other financial opportunities. You Must Pay Off All Debt Before Investing The Rule of Seven: Focus on paying off high-interest debt first, but investing alongside manageable debt can also work. Focus on One Source of Income The importance of multiple income streams to secure financial stability and mitigate risks. More Income Equals More Wealth Why managing your expenses and not just increasing income is key to building wealth. You Need a Financial Advisor to Succeed Why DIY investing is more accessible than ever, and how you can make informed decisions without a financial advisor. Once You’ve Invested, Never Touch Your Portfolio Why regular portfolio reviews are essential for keeping your investments aligned with your goals and risk profile. Resources Mentioned: Money Mechanics Book: Learn more about leveraging debt and building wealth through strategic investing. Grab a copy here www.sarahpoynton.com/moneymechanics.  Free Trade: A platform for DIY investing in fractional shares including an offer for a free share upon sign-up.  Why You Must Listen: This episode shatters common myths about money, empowering you to make informed financial decisions and take control of your wealth-building journey. With clear explanations and practical advice, Sarah will guide you through these money myths and show you the truth about investing, saving, and financial freedom. Follow Us: Website: www.sarahpoynton.com Social Media: www.instagram.com/moneymechanics.global YouTube: www.youtube.com/@SarahPoynton Subscribe & Share: If you enjoyed this episode, don't forget to subscribe, rate, and share it with your friends!

In this episode of the Money Mechanics podcast, Sarah Poynton-Ryan interviews Mark Wright, a successful entrepreneur and winner of the BBC's The Apprentice. Mark shares his journey from humble beginnings to financial success, discussing his early memories of money, the importance of self-education, and the mindset required for wealth building. He emphasises the significance of risk-taking, overcoming fear, and the cultural beliefs surrounding money. Mark also reflects on the impact of AI on business and the balance between health and wealth. The conversation concludes with insights on defining enough money for a comfortable life and advice for aspiring entrepreneurs. Don't forget to join Money Mechanics Weekly. Your weekly newsletter that will help you understand money, investing, cash flow, debt and personal finance. It's FREE, and you can join here www.sarahpoynton.com/newsletter Biggest Takeaways Mark's earliest memory of money was the feeling of not having enough. Understanding money is like learning a new language. Self-education in finance is crucial for success. Surrounding yourself with ambitious people is key. Risk-taking is essential for financial growth. People often fear discussing money due to societal norms. Mistakes in hiring can be costly in business. Health and fulfilment are as important as wealth. Cultural beliefs about money can limit financial success. AI will impact all industries, and embracing it is vital. "You have to have a level of risk to make money." "Money creates freedom." "Money does buy a level of happiness." Chapters 00:00 Introduction to Mark Wright's Journey 03:04 Early Memories and Lessons About Money 05:53 The Importance of Self-Education in Finance 08:28 Risk-Taking and the Psychology of Money 11:14 Overcoming Fear and Embracing Financial Conversations 14:04 Mistakes and Learning Experiences in Wealth Building 17:04 The Role of Health and Fulfilment in Wealth 19:40 Cultural Beliefs and Mindsets About Money 22:19 The Impact of AI on Business and Wealth 25:28 Defining Enough Money for a Comfortable Life 27:57 Final Thoughts and Advice for Aspiring Entrepreneurs Money, entrepreneurship, financial education, risk-taking, wealth building, mindset, AI, self-education, success, personal finance, debt

Money Mechanics Podcast - Series 2 - Episode 2: How Your Identity Shapes Your Money with Shari Tiegman What if the biggest thing holding you back financially… is not your bank account, but your identity? Today on the Money Mechanics Podcast, Sarah sits down with the incredible Shari Tiegman, mindset mentor, creative strategist, and the woman who made Sarah cry (in a good way) at Wembley. This conversation goes deep into the emotional, psychological, and behavioural patterns that impact how we earn, spend, save, invest, and repeat cycles we think we “should” have outgrown by now. If you have ever:  • felt stuck in a money pattern you KNOW is hurting you  • struggled to raise your prices or believe you are “worth” more  • repeated the same financial behaviours even when you know better  • feared success more than failure  • hesitated to start investing because you feel like a beginner  • felt guilt, shame, pressure, or panic around money  • compared yourself to others online  • wondered why you do not feel successful even when the numbers look good …this episode is for you. 🔥 What We Talk About in This Episode • Shari’s earliest money memory and how it shaped her beliefs around “right vs wrong” • How childhood stories and family history silently influence your money habits • Divorce, losing everything, and rebuilding, emotionally AND financially • The moment Shari had a literal “price tag” placed on her worth and how it impacted her income for years • Why smart people don’t always make money, but good marketers do • Why we stay stuck in financial patterns even when we know they are harming us • Identity, worthiness, and the emotional side of earning more • The mindset shift needed to break the minimum-payment cycle and step into wealth • Why raising your prices is not about greed, it is about alignment • How social media distorts your view of success and money • Why we fear becoming the “next level” version of ourselves • How to reverse-engineer your goals so you stop sabotaging your financial growth • Why most people panic after hitting a big financial milestone • Why money is an amplifier, not a solution • How to stop outsourcing your power when making investments or business decisions • Practical ways to break long-held habits around overspending, underearning, and avoidance • The emotional and practical side of getting started investing 💸 Who This Episode Is Perfect For If you are searching for help with: money mindset, how to clear debt, why I self-sabotage with money, how to start investing, fear of success, breaking financial patterns, wealth mindset, beginner investor help, women and money, identity and finances, emotional spending, …you will absolutely love this conversation. 🧠 About Today’s Guest, Shari Tiegman Shari Tiegman is a mindset mentor and creative strategist for business owners who want to break patterns, unlock creativity, and step into their next evolution. She blends emotional intelligence, identity shifts, mindset rewiring, and creativity to help people stop sabotaging their own growth - financially and personally. 👉 Instagram: https://www.instagram.com/shariteigman/ If you reach out, tell her you heard her on the Money Mechanics Podcast. She will love it. 👉 Website: https://shariteigman.com 📨 Get the Free Weekly Money Mechanics Newsletter If you loved this episode, you are going to want the weekly newsletter, too. It is completely free and gives you: • simple, jargon-free market updates  • real examples from Sarah’s own investment portfolio  • tips on money, investing, and building financial confidence  • actionable insights to help you make your money work harder Join here: www.sarahpoynton.com/newsletter ✨ "Money is an amplifier. If you are not happy before you make it, you will not be happy after." — Shari “Your old identity cannot walk you into your next chapter.” — Shari “Just because you know something does not mean you are doing it.” — Shari “Hitting the number is never the thing that makes you feel successful.” — Sarah “We are more afraid of success than failure. Failure, we know. Success is unknown.” — Shari 🎧 Listen Now And Please Leave a Review If this episode helped you, inspired you, or made you rethink something, please take 20 seconds and leave us a review. It helps the podcast reach thousands more people who need accessible, empowering money education. 🔄 Stay Connected • Podcast: Money Mechanics • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics • Newsletter: www.sarahpoynton.com/newsletter

From £400,000 in Losses to Financial Freedom: Money Mindset, Investing, and Resilience with Daniel Wood What do you do when everything collapses?  When the deals go wrong, the debt piles up, and you are staring at losses that feel impossible to recover from? In this powerful episode of the Money Mechanics Podcast, Sarah sits down with Daniel Wood, CEO and co-founder of the Swedish Wealth Institute, to talk about money, mindset, investing, and rebuilding after devastating financial failure. Daniel shares his extraordinary journey from losing £400,000 of investor money, selling his home, living without running water in a small Swedish cottage, and facing total business collapse — to building one of Europe’s leading personal development and wealth education platforms. This is a raw, honest conversation about clearing debt, money shame, financial responsibility, wealth mindset, and what it really takes to rebuild when things go wrong. Daniel Wood Full Episode Audio … 🔥 What You’ll Learn in This Episode • How Daniel lost £400,000 through property investing and what went wrong  • Why he refused to walk away from investor losses, even when bankruptcy was an option  • The emotional weight of debt and responsibility when money belongs to family and friends  • Why financial failure can become the foundation of future success  • How the Swedish Wealth Institute was born out of a need for mentorship and support  • What real mentors do differently from “bad mentors”  • The moment Kim Kiyosaki helped Daniel restructure his finances in just 15 minutes • Why people with money think about deals differently • How stress and fear distort financial decision making • The danger of rushing investments and chasing fast wealth • Why “getting rich slowly” is more sustainable than chasing quick wins • How ego, fear, and urgency sabotage financial success • The psychological pain of losing money versus the pleasure of gaining it • Why money is best seen as energy, not morality • The most damaging money advice people still believe • How high fees quietly destroy long-term investment growth • Why everyone needs a “money machine” working in the background • How to separate current financial stress from future financial freedom • Why having independent wealth creates better relationships and life choices • What “fuck you money” really means in real life • How to begin investing even when money feels tight • Why wealth enables impact, not selfishness 💸 Books, Concepts & Mentors Mentioned • Rich Dad Poor Dad – Robert Kiyosaki • Cashflow Board Game – Robert & Kim Kiyosaki • The Richest Man in Babylon – George S. Clason • The 7 Habits of Highly Effective People – Stephen Covey • Tony Robbins – Unleash the Power Within • T Harv Eker and wealth conditioning • Les Brown on emotional relationships with money • Index funds vs managed funds • Investment fees and why they matter • “Money as points on a board” mindset • Wealth as a tool for impact 🧠 Who This Episode Is For If you are searching for:  • how to clear debt  • money mindset help  • investing for beginners  • how to start investing with little money  • financial confidence  • rebuilding after failure  • fear of losing money  • wealth building strategies  • cash flow vs income  • financial freedom advice  • emotional relationship with money …this episode will hit home. 👤 About Today’s Guest — Daniel Wood Daniel Wood is the CEO and co-founder of the Swedish Wealth Institute, a global education platform connecting entrepreneurs with world-class mentors in wealth, mindset, and personal development. Through global summits, workshops, and events, Daniel has worked with and hosted speakers including:  • Robert Kiyosaki  • Kim Kiyosaki  • Tony Robbins  • Les Brown  • Jack Canfield  • Joseph McClendon 🔗 Website: https://swedishwealthinstitute.com 🎧 Podcast: Swedish Wealth Institute Podcast 📸 Instagram: • @realdanielwood • @swedishwealthinstituteab 📨 Join the Free Money Mechanics Weekly Newsletter If this episode resonated with you, you will love the Money Mechanics Weekly Newsletter. Every week Sarah shares:  • simple investing insights  • what’s happening in the markets  • real examples from her own portfolio  • practical ways to make your money work harder 👉 Sign up free here: www.sarahpoynton.com/newsletter ⭐ Enjoyed the Episode? Please consider leaving a review on Apple Podcasts or Spotify.  It helps more people find the show and learn that money does not have to feel scary, shameful, or overwhelming. 🔁 Stay Connected • Podcast: Money Mechanics  • Newsletter: www.sarahpoynton.com/newsletter • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics

Financial Security, Investing from Scratch, and Why Being a “Safe Pair of Hands” Builds Wealth with Paul Lanfear What if real wealth is not about fast money, flashy investments, or chasing the next big thing… but about security, resilience, and playing the long game? In this episode of the Money Mechanics Podcast, Sarah is joined by Paul Lanfear, investor, entrepreneur, former barrister, award-winning property developer, podcast host, and retreat leader, for one of the most honest and wide-ranging conversations of the series. Paul shares his journey from a volatile childhood and dyslexia, through law and high-pressure finance, to building wealth through intention, service, and long-term thinking. This episode is packed with practical insights for anyone trying to clear debt, understand money, or start investing without panic. If you have ever felt financial stress, feared going backwards, or wondered where to start when money feels tight, this conversation will land. Paul Lanfear Full Episode (Audi… 🔥 What We Cover in This Episode • Why financial security is a fundamental human need  • How money creates freedom by removing fear, not buying happiness  • Paul’s upbringing, dyslexia, and the moment someone told him he would “never amount to anything”  • How that moment became fuel rather than a limit  • Why most people are never taught how money actually works  • The minimum payment trap and why credit card debt is so dangerous  • Why budgeting is not restrictive, it is liberating  • The emotional stress of not knowing which bills you can afford to open  • Why clearing bad debt should come before investing  • The importance of building a cash buffer before taking financial risks  • Why buying property is not always the best first investment  • Renting vs buying and why optionality matters  • How impulsive spenders can create friction to protect themselves  • Why investing in yourself often delivers the highest return  • How index funds help beginner investors avoid unnecessary risk  • Why you do not need to understand charts to invest successfully  • The power of compound interest over 10, 15, and 20 years  • Why long-term investing beats trying to “time the market”  • How to think about portfolio layers, from safety to speculation  • Why most people confuse trading with investing  • The mindset difference between people who look wealthy and people who actually are  • Why being of service creates opportunity, fulfilment, and wealth  • The underrated power of being a “safe pair of hands”  • How reputation quietly compounds just like money  • Why financial independence matters even more for women  • What Paul would do with his time if money was no object 📚 Books, Thinkers & Concepts Mentioned • The Fourth Turning – on crisis cycles and generational change • Enlightenment Now by Steven Pinker • Ray Dalio on reclaiming the middle ground • Index funds and whole-of-market investing • Pound cost averaging • Compound interest • Portfolio resilience • Financial buffers and liquidity • Long-term vs short-term thinking 🧠 Who This Episode Is For This episode is especially powerful if you are searching for:  • how to clear debt  • money mindset help  • investing for beginners  • how to start investing with little money  • budgeting without shame  • financial security  • compound interest explained  • long-term investing strategy  • women and money  • financial stress and anxiety  • wealth building fundamentals 👤 About the Guest — Paul Lanfear Paul Lanfear is an investor, entrepreneur, former barrister, award-winning property developer, and host of the Property & Investor Podcast. He also runs highly respected networking breakfasts, retreats, and an annual Discovery Day in Leeds where attendees leave with a one-page business plan. Paul is known for his calm, thoughtful approach to money, investing, and life design, and for prioritising service, integrity, and long-term thinking over hype. 🔗 Connect with Paul: • Facebook, LinkedIn, Instagram (search Paul Lanfear) • Podcast: Property & Investor Podcast • Events and Discovery Day details shared via his socials 📨 Join the Free Money Mechanics Weekly Newsletter If this episode resonated, you will love the Money Mechanics Weekly Newsletter. Every week, Sarah shares:  • simple explanations of what’s happening in the markets  • practical money and investing insights  • real examples from her own portfolio  • tools to help you make your money work harder 👉 Subscribe free here: www.sarahpoynton.com/newsletter ⭐ Enjoyed the Episode? If you found this conversation helpful, please consider leaving a review on Apple Podcasts or Spotify. Reviews help the podcast reach more people who need honest, accessible conversations about money. 🔁 Stay Connected • Podcast: Money Mechanics • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics • Newsletter: www.sarahpoynton.com/newsletter

Money is never just about numbers. In this deeply honest and grounding episode of the Money Mechanics Podcast, Sarah is joined by Tanya Ibberson, also known as The Financial Wing Woman. A trauma-informed transformation coach, qualified accountant with nearly 30 years’ experience, and advocate for helping women rebuild their financial lives after debt, divorce, and financial abuse. This conversation goes beyond budgeting and spreadsheets. It explores the emotional, psychological, and lived experiences that shape how we earn, spend, avoid, save, and invest, often without realising it. If money feels heavy, emotional, or overwhelming, this episode will make you feel seen. 🔥 What We Dig Into in This Episode • Tanya’s earliest money memory and how childhood fairness, shame, and injustice shape lifelong money beliefs  • What it really means to be a trauma-informed financial coach and why this matters when helping people with debt • Big trauma vs little trauma and how everyday money moments can wire long-term behaviour • Why money often feels unsafe to talk about • Growing up with financial scarcity, shame, and silence • How emotional memories resurface when dealing with debt, bills, or financial decisions • Why people avoid learning about money even when they want financial freedom • How shame, guilt, and fear keep people stuck in debt cycles • Why budgeting is not restrictive but protective • How awareness reduces financial anxiety • The power of small, tangible habits to rewire money beliefs • Why saving even £20 or a coin in a jar can change how your brain sees money • Debt vs investing and how to decide what to tackle first • Why emergency funds matter before investing • How to start investing without panic or overwhelm • Why there is no “magic secret” to investing • The danger of trading time for money forever • Lifestyle creep and the illusion of wealth • Why children see spending but never see saving unless we talk about it • Why talking openly about money is the fastest way to change generational patterns • Breaking cycles so the next generation has choice 🧠 Key Themes & Takeaways This episode powerfully reframes money as: • Neutral, not moral • Learnable, not innate • Changeable, at any age or stage It reinforces that financial confidence is built through safety, awareness, and small, consistent actions, not shame, pressure, or perfection. 👤 About Today’s Guest - Tanya Ibberson Tanya Ibberson is a trauma-informed transformation coach and qualified accountant with nearly 30 years’ experience. She specialises in helping women rebuild their financial confidence after debt, divorce, or financial abuse, combining practical money skills with emotional safety and mindset work. 🔗 Find Tanya here: • Website: https://financialwingwoman.com • Podcast: Breaking Financial Chains • Instagram: Search Financial Wing Woman or Tanya Ibberson If you reach out, let her know you heard her on the Money Mechanics Podcast. 📚 Concepts, Tools & Platforms Mentioned • Trauma-informed coaching  • Budgeting as a confidence tool  • Emergency funds  • Stocks & Shares ISAs  • Compound interest  • Low-risk investing for beginners  • Investment platforms discussed:  – Hargreaves Lansdown  – Moneybox  – Trading 212  – Freetrade  • Behavioural rewiring through visual saving tools  • Values-based financial decisions 📨 Join the Free Money Mechanics Weekly Newsletter If this episode resonated, you’ll love the Money Mechanics Weekly Newsletter. Each week Sarah shares:  • simple explanations of what’s happening in the markets  • practical money and investing insights  • real examples from her own portfolio  • tools to help you make your money work harder 👉 Subscribe free here: https://www.sarahpoynton.com/newsletter ⭐ Enjoyed the Episode? Please consider leaving a review on Apple Podcasts or Spotify. Reviews help the podcast reach more people who need honest, accessible conversations about money. 🔁 Stay Connected • Podcast: Money Mechanics • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics • Newsletter: https://www.sarahpoynton.com/newsletter