Making Money

Your career and earnings massively impact your financial future, but with skills fast becoming obsolete, how can we make sure we succeed? Helen Tupper, author of The Squiggly Career, suggests ditching the career ladder mindset - progress and more pay can come from moving sideways, not just up. 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Looking to sort your financial life out in 2025? Financial advisor and podcast favourite Lisa Conway-Hughes shares a bunch of small changes that could make a big difference to your financial future. 🤝 Want help from Lisa planning your finances? You can contact her assistant Abi on abi@lchwealth.co.uk whilst her website's here: https://lchwealth.co.uk/⁠ 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. -- If you purchase a product or service using one of the links above (including Lisa's firm), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Pete Matthew believes our mindset about money shapes every decision we make with it. Without the right attitude and perspective, even the best financial plans can fall apart. So Pete, a Chartered Financial Planner and Founder and host of Meaningful Money, asks - how can we avoid making the wrong decisions? ✉️ 80% of personal finance on 2 pages Get guide: https://makingmoney.email/80-guide-pete-matthew 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Erik Angner is a PhD economist, philosopher, and author of ‘How Economics Can Save the World’. He says economics holds the answers to how we solve the world’s biggest problems, including how you can get rich. 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Vivi Friedgut is CEO and founder of Blackbullion, a fintech business that helps students sort out their finances. We say it a lot and it’s true, the earlier you can get started with personal finance the better, and Vivi’s advice isn’t just for students, it’s for anyone who wants to know give themselves the best chance in life.  🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Lionel Barber, former editor of the Financial Times, explores the story of SoftBank CEO Masayoshi Son, known as Masa, in his book ‘Gambling Man’. Masa, a venture capitalist who has made and lost hundreds of billions through bold bets on technology, calls himself the world’s "craziest investor." Lionel’s book: https://www.penguin.co.uk/books/451627/gambling-man-by-barber-lionel/9780241582725 🚀 How to start investing - free guide https://makingmoney.email/investing-audio 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Edward Chancellor is a financial historian, journalist and investment strategist. In 2008 central bankers brought interest rates to their lowest level in five thousand years. Unaffordable housing, the collapse of productivity, rising inequality are just some of the things Chancellor says are results of those decisions and he argues the worst could be yet to come. Edward’s book: (https://www.penguin.co.uk/books/448594/the-price-of-time-by-chancellor-edward/978180206015) 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We get loads of questions about mortgages so we thought we’d ask an expert and cover some other key things you should know about. We're speaking to Anthony Emmerson, Director at mortgage broker Trinity Financial. Whether you’re getting a mortgage for the first time or looking to remortgage, what should you look out for? 🏡 Want help from Anthony and his company with your mortgage? Email: hello@trinityfinancial.co.uk Website: https://www.trinityfinancialgroup.co.uk/ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. -- If you purchase a product or service using one of these links (including Anthony’s firm Trinity Financial), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Making Money listener Amy followed 'the right' steps investing for 15 years, but a few bad decisions ended up costing her tens of thousands of pounds. Here's what happened and what she learnt from it. Want to share your story with us? makingmoney@getmost.co.uk 👨‍👨‍👧 Sign up to free webinar on inheritance tax ⁠⁠https://makingmoney.email/IHT-webinar-audio⁠ 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

UK public companies are trading at 50p on the £1. We've decimated our public markets, which has a huge effect on the economy, stagnating wage growth. How did we get here and what do we do about it, asks an impassioned Andrew Craig, author of How To Own The World and founder of Plain English Finance. His new book is ‘Our Future Is Biotech’. 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

George Agan is a Chartered Financial Planner who’s helped thousands of people plan for their financial future. Can you afford the retirement you want? If not, how are you going to get there?  ☕ Want help from George planning your finances? You can email him here: gagan@fcadvice.co.uk His company is Flying Colours Advice: https://fcadvice.co.uk/about-us/meet-the-team/george-agan/ 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above (including George's firm FC Advice), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Liam Byrne is the Labour MP for Birmingham Hodge Hill & Solihull North. He’s written a book called ‘The Inequality of Wealth’. 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Richard Coffin is the host of the Plain Bagel YouTube channel and one of the biggest financial content creators in the world. He’s a trained financial planner and by day works as an investment analyst so he really knows his stuff. 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We answer your biggest money questions - there's extra info below for some of the things we talk about in the episode. Yes, Trading 212 offer a flexible ISA. You can learn more about this in Trading 212's FAQs at the bottom of their ISA page: https://www.trading212.com/isa Btw if you want to sign up for a Trading 212 account then if you use our code MM you'll get a free share worth up to £100 if you deposit at least £1. If you do then we'll receive a small commission from Trading 212. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. How could we forget the gluten-free bagel recipe: https://www.theglutenfreeblogger.com/gluten-free-bagels/ 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

It’s not pleasant thinking about dying or getting seriously ill, but what happens if terrible things happen to us? We chat with Naomi Greatorex, the Managing Director of insurance broker Heath Protection. You can book a free consultation with Naomi and her team here: https://heathprotection.co.uk/making-money/ 🤝 Get help from a financial adviser to navigate big decisions ⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠https://tide.co/savings⁠⁠⁠ for full terms and conditions. -- If you purchase a product or service using one of the links above (including Naomi's firm, Heath Protection), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Vicky Reynal is a financial psychotherapist who deals with a wide range of issues, from overspending to money secrets and self-sabotage. Her book, Money on Your Mind looks at how we can develop a better relationship with money, because it pervades everything we do. *Warning: We discuss some issues in the episode such as anorexia that some listeners might find it difficult listening to* 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

There have always been market crashes and there probably always will, so how do we navigate them with our personal finances? We're getting help from Linda Yueh, Professor of Economics at London Business School and a Fellow at Oxford. She’s written a book called The Great Crashes: Lessons from Global Meltdowns and How to Prevent Them. (https://www.penguin.co.uk/books/315580/the-great-crashes-by-yueh-linda/9780241988084) 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Finance has been used for good and it's been used for evil. We get under the bonnet with Philip Roscoe, Professor of Management at the University of St Andrew’s Business School. He’s written a book called ‘How To Build A Stock Exchange: The Past Present and Future of Finance.’ 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

We're not going to lie, there's some pretty depressing analysis here because we learn quite how unequal the UK is - how little social mobility there really is. We're speaking to Sir Paul Collier, a world-renowned development economist, a former UK government advisor and a professor at Oxford University. His latest book is Left Behind: A New Economics for Neglected Places: https://amzn.to/4cRWIIm. 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Women are so much worse off with their pensions than men - to the tune of about £100k on average. What is going on and how do we fix it? We're speaking to Emilie Bellet the Founder and CEO of Vestpod, a digital platform and community that empowers women financially through education 🤝 Want help navigating big financial decisions from our advisers? ⁠⁠⁠⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠⁠⁠⁠ 🎉Sponsors National Franchise Exhibition - get free tickets: ⁠⁠⁠⁠https://makingmoney.email/franchise-exhibition⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Tide - Get up to 4% AER (variable) on your business savings. Use this link ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠⁠⁠https://tide.co/savings⁠⁠⁠⁠ for full terms and conditions. 📈 Investment platforms we use: Trading 212 Watch this video where Damo explains how to get the most from it:⁠⁠ https://youtu.be/BVVZhrM0LVQ⁠⁠ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link:⁠⁠ https://www.trading212.com/join/MM⁠⁠ InvestEngine  Get up to a £50 bonus when you invest at least £100. ⁠⁠https://investengine.pxf.io/daOD2Q⁠⁠ Vanguard Minimum investment of £500 or £100/month. ⁠⁠https://www.vanguardinvestor.co.uk/ -- If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.