Damien Fahy of MoneytotheMasses.com talks to Andy Leeks about money. Broken down into four easy to digest sections, Damien and Andy discuss the subjects that matter most. Whether it is how to save it, make it or spend it, Damien has the answers to all of the important questions. Contact Damien at damien@moneytothemasses.com if you have any comments on the podcast or any money questions of your own or simply visit www.moneytothemasses.com to gain access to the best free expert advice on the net.
In this week's episode, Damien explains the concept of an ISA bridge and how it can help you manage the financial gap between your ideal retirement date, the age you can access your private pension and your state pension age. Next, Damien explains how the new FCA regulations for Buy Now Pay Later (BNPL) services are likely to impact consumers, including new mandatory affordability checks and additional Section 75 protection.Thank you to our sponsor, Interactive InvestorNew customers can receive £100 in free trades when they open an Interactive Investor Trading Account before 31st July 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterOfficial State Pension Age CalculatorGuide explaining how the Money Purchase Annual Allowance (MPAA) worksRegular Contribution / Savings CalculatorFull news article on the FCA Buy Now Pay Later regulation changes
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, we discuss the reality of NHS waiting times and the increasing number of people turning to private healthcare for diagnosis and treatment. We explore the main routes to accessing private medical care and the typical costs of common private procedures and scans.We also outline the different types of health insurance policies available, including fully underwritten and moratorium options, as well as alternative middle-ground solutions like Benenden Health. Crucially, we explain how to ensure you get the best and cheapest health insurance policy, as well as how you can get up to £100 cashback if you take out a plan.Speak to a specialist adviser - We have partnered with one of the UK's leading private health insurance comparison specialists in order to provide you with the best health insurance to suit your budget. If you take out a policy, you will qualify for £100 cashback – the offer ends on 31st August 2026. T&Cs apply.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterHow much does private health insurance cost?Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Andy discusses the findings of Vanguard's recent British Money Mindset report, highlighting a recent shift in the UK from saving to investing, largely driven by younger investors. He explains how new 'Targeted Support' tools from the likes of Quilter and Vanguard can give would-be investors the confidence to invest for the first time. Damien then takes a look back at his simple 'back to basics' guide on how to start investing for the first time.Thank you to our sponsor, Interactive InvestorNew customers can receive £100 in free trades when they open an Interactive Investor Trading Account before 31st July 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterVanguard's British Money Mindset ReportGen Z leads a new wave of UK investors - What are they investing in?
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien provides a comprehensive guide on travel insurance. With summer holidays approaching, he outlines exactly what to look for in a policy, including the essential features, optimal coverage amounts, and the most common myths that leave holidaymakers financially exposed. He then provides tailored suggestions for different types of travellers, from budget backpackers to large families, ensuring you know exactly where to look for the right cover.Andy then provides an update explaining how packaged bank accounts have improved, with some offering travel insurance with generous upper age limits and zero excess.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to the weekly newsletterDefaqto: Independent rating agency for checking the quality of financial products.MoneyHelper: Directory for finding specialist travel insurance providers for pre-existing medical conditions.Payingtoomuch.com: A comparison site specialising in travel insurance for people with pre-existing conditions.Our picks for the best travel insurance policies.Co-op packaged bank account includes Travel Insurance with zero excessThe best packaged bank accounts and the latest bank switching incentivesFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien shares some of the essential rules and concepts he has used in order to build lasting financial habits. These include practical ways to manage your budget, the importance of paying yourself first and avoiding lifestyle creep to help provide a comfortable financial future.Next, Andy looks at recent research on the interest applied to monthly car insurance premiums and shares straightforward, practical tips for spreading the cost without paying exorbitant fees.Thank you to our sponsor, Interactive InvestorNew customers can receive £100 in free trades when they open an Interactive Investor Trading Account before 31st July 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterBest budgeting apps available in the UKMoney to the Masses budgeting spreadsheetLife insurance guidanceIncome protection guidanceCritical illness insurance guidanceWhen you need to buy insurance (and when you don't)
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien discusses the confirmed changes to Stocks and Shares ISAs scheduled for April 2027. With the cash ISA allowance dropping to £12,000 for those under 65, the government is introducing a 22% tax charge on interest earned from uninvested cash held within Stocks and Shares ISAs. Damien explains how money market funds work and how they could provide a legitimate workaround, allowing you to earn a 'cash-like' return on your money without triggering the tax charge. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterTake out a trial of 80 20 investorAtomic Habits by James ClearMTTM - Episode 184 - Getting the most from your phone's Stock AppFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this special investing episode, Kyle Caldwell (Funds and Investment Education Editor at ii) and Damien discuss the complete investing lifecycle - from Junior ISA portfolios and investing in your 40s and 50s, right up to building a sustainable income for your retirement. Whether you are just starting out or preparing to draw a pension, this episode is packed with actionable insights to help you maximise your wealth.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to the weekly newsletterMTTM Podcast: How to make your child a millionaireThe Barclays Equity Gilt StudyInteractive Investor Family PlanInteractive Investor Highly Rated Funds toolAssociation of Investment Companies (AIC) websiteAnalysis of Dividend Heroes by Kyle Caldwell
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien revisits a classic episode on how to build good money habits. He reveals the simple daily routines that have helped him take control of his finances, including automating his savings, setting a monthly spending plan, and adopting tactics such as "zero spend" daysCheck out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterTake out a trial of 80 20 investorAtomic Habits by James ClearMTTM - Episode 184 - Getting the most from your phone's Stock AppFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien discusses the latest figures from the Pensions and Lifetime Savings Association (PLSA). He breaks down the exact amount you need in your pension pot to achieve your desired retirement lifestyle and reveals the monthly contributions required to get there, regardless of your current age.Next, he explains split mortgages, highlighting the potential benefits and drawbacks and why it is vital to seek independent advice before making a decision.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterHow the Middle East peace deal impacts your financesPLSA Retirement Living Standards researchQuilter researchThe Money Vault 26 ways to boost your pension potBest Mortgage Rates in the UKHow offset mortgages work
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien shares the last-minute checks you should make before switching your investment funds. Switching funds can seem straightforward, but hidden charges, differing share classes, and specific platform rules can easily catch you off guard.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterTake out a trial of 80 20 investorTrustnetBest and Cheapest Fund PlatformFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien revisits a classic episode from February 2025 on investor behavioural biases. He explores how human nature often leads to irrational financial decisions and examine seven common psychological traps, including loss aversion, confirmation bias, and the emerging fear of being wrong. He also provides practical strategies to mitigate their impact, from using stop-loss orders to documenting your investment decisions, helping you develop a more objective, systematic, and successful approach to managing your wealth.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to the weekly newsletterTake out a trial of 80 20 investorCan you solve this (YouTube video)Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien takes a look at the latest banking offers, revealing the ways you can get paid for carrying out your everyday banking. He explores the best current accounts for cashback with rates boosted up to 4%. He also looks at the best bank account switching deals before rounding up the best cashback credit cards on the market. Finally, he provides a summary of the best investing apps available in the UK, breaking them down by investor type. He outlines the key features, investment options and costs.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterBest UK current accounts for cashbackBest cashback credit cards in the UKBest bank account switching offersBest performing Stocks and Shares ISABest investment apps in the UK
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien explores the well-known 4% rule for retirement withdrawals and explains why relying on it during periods of market volatility could put your pension at risk. He then reveals an alternative approach highlighted by Vanguard known as 'dynamic spending'. By applying a ceiling and a floor to your annual withdrawals, you can preserve capital during downturns while still enjoying a higher income when your investments perform well. He also shares some free tools to help you model your own retirement scenarios and ensure your money lasts.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to the weekly newsletterTake out a trial of 80 20 investorVanguard White Paper on Dynamic SpendingfiCalc.app - Retirement withdrawal calculatorMTTM Podcast Episode 210 - Debunking the 4% ruleWatch on YouTube - Alternative to the 4% ruleFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien and Andy are doing something a little different by sharing and expanding on the timely, bite-sized financial updates they regularly post across our social media platforms. Much of the fast-moving news we cover on our Instagram, TikTok, and YouTube channels, such as the latest government announcements and real-time energy cap updates, do not make it onto the podcast. This episode highlights the valuable, actionable insights you might be missing out on if you don't follow Money to the Masses on our social media channels.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterCheapest fixed price energy deals
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien highlights the inequality that exists between people on low incomes and those that are wealthy. He explains how the game is rigged in favour of those with high incomes, in terms of access to specialist advice, financial products, and even utilities. He highlights the key points from the popular book "Rich Dad, Poor Dad" and finishes with a thought-provoking analogy of how both low and high earners are treated after they have been paid.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterMTTM Podcast Episode 355 - The difference between the poor and the richFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien discusses new research on the 4% pension withdrawal rule, exploring sustainable retirement income rates and the optimal asset allocation between equities and bonds. Andy then examines the latest property market data, highlighting the growing regional divide in UK house prices and what the current market conditions mean for both buyers and sellers. Finally, he looks at the latest rental sector data and what it means for renters and landlords.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterMTTM Podcast Episode 517 - The 4% rule and inheritance tax changesMTTM Podcast Episode 210 - Debunking the 4% ruleMorningstar research table summary on safe withdrawal ratesUK Residential Survey April 2026UK house prices rise 1.2% in MAy but Rightmove warns against overpricingDetails on the new Renters' Rights Act rules
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic from November 2021, where he explains the correlation between bonds and equities. He then brings it back to the present day, explaining the current financial landscape, highlighting a concerning disconnect between soaring stock markets - driven largely by AI enthusiasm - and falling bond markets.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterMTTM Podcast Episode 346 - The correlation between bonds and equities (Full Episode)Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien discusses the evolving landscape of financial advice, from the introduction of "targeted support" to the rise of simplified advice. Damien also explains the key differences between full and restricted advice and how the new advice categories aim to close the UK's advice gap. Finally, Andy looks at the energy payment cycle, explaining how to calculate a safe credit buffer, when to reclaim overpaid funds from your supplier as well as your legal rights.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterTake out a free trial of 80-20 investorGet financial advice from Vouchedfor*MoneyHelper
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic from July 2021, offering a comprehensive, step-by-step guide to achieving financial freedom. He talks about budgeting, debt management, building an emergency fund, and emphasises the importance of a long-term investing strategy.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterMTTM Podcast Episode 327 - How to achieve financial independence (Full Episode)Best Budgeting Apps Entitledto (Benefits Calculator)Damien's Money MOT ToolStepChange Debt CharityDave Ramsey's 7 Baby StepsFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic episode from March 2025, that offers 26 tips on how you can boost your pension and prepare for retirement. In it, he covers topics such as maximising your pension contributions, reviewing and consolidating your pensions, seeking advice, and the implications of delaying your state pension claim.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterCheck your state pension forecastDWP callback request formHow to earn National Insurance creditsNI top-up deadline extendedHow to fill gaps in your national insurance recordMoneyhelper pension calculatorWhat is auto-enrolment?Salary sacrifice explainedPension tracing serviceFree pension review with UnbiasedCompare annuitiesThe best pension income in retirementPension carry-forward rulesFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien tackles the famous "Sell in May and go away" investment adage. Should you really cash out of the stock market to avoid a summer slump before reinvesting in the autumn? He looks into the latest research to see how this strategy holds up across UK and global markets. Finally, Damien and Andy expose the little-known credit card traps that could end up costing you.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterTake out a free trial of 80-20 investorPensions Schemes ActAre Stock Markets set to crash?
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic conversation about teaching children the fundamentals of building wealth. Prompted by an unexpected question about Bitcoin, he shares a personal story of how he guided his teenage daughter through the realities of money management. He discusses how to make financial concepts engaging for young people and moving beyond simple savings to explain how investing and compound interest can shape their future.Resources:Sign up to the weekly newsletterHow to become a MillionaireMTTM Episode 456 - Listen to the full episode MTTM Savings & Investment CalculatorFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien and Andy discuss 9 ways to spring-clean your finances, covering everything from budgeting to taxes. Damien then discusses the UK investment gap and the 15 million Brits who are hoarding £610 billion in cash, and why that is a problem.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterTake out a free trial of 80-20 investorDamien's Money MOTCheck your credit files for free (ClearScore, Experian, Credit Karma)The Debt Snowball Method ExplainedHow to check your tax codePension calculatorEntitled To (Benefit calculator)Best Savings Accounts in the UK (Best Buy Tables)Hargreaves Lansdown Active Savings review
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien and Andy provide tips on how to avoid over-insuring, choosing the right policies and how you can earn up to £100 cashback when buying a new policy. Resources:Request a callback (and receive up to £100 cashback when you take out a policy)Support the podcast - You can support the MTTM podcast by using this page when making any financial decisionListen to the full episode - Ep 215Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, we explore emergency funds and whether having a separate 'rainy day fund' could help you stay on track and avoid getting into debt.Resources:Listen to the full episode - Ep 346Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien and Andy highlight 15 of the most prevalent scams to watch out for in 2026, including the steps you can take to avoid becoming a victim.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:The Financial Conduct Authority (FCA) Warning ListWhich? Article: The scam crisis on Booking.comSign up to our weekly newsletterTake out a free trial of 80-20 investor
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. The FIRE movement is a financial strategy focused on aggressive saving and investing, with the ultimate goal of retiring decades earlier than the traditional retirement age. In this episode, we explore 'Coast Fire', an alternative to the traditional FIRE movement (Financial Independence, Retire Early). 'Coast Fire' is a less aggressive and arguably more flexible alternative that leverages the power of compounding.Resources:Money to the Masses Investment CalculatorMoney to the Masses Pension CalculatorFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
Welcome to the first episode of the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, we focus on the end of the tax year and highlight the key actions you should consider before the window closes on Easter Sunday.Check out our full, updated tax-year-end checklist below:https://moneytothemasses.com/news/end-of-tax-year-checklistFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien discusses the increasing number of ISA millionaires and how you can join them. He then provides an extensive roundup of the best Stock and Shares ISAs out there, whether you want to run your own money or get a professional to manage it for you.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Best ISA Cashback offers and fee-free dealsCheapest Stocks & Shares ISA 2026Best performing Stocks & Shares ISAsInvestment platforms paying the highest interest rate on cashBest Stocks and Shares ISA YouTube videoSign up to our weekly newsletterTake out a free trial of 80-20 investor
On this week's show, Damien breaks down the ongoing stock market slump and explore where US and UK markets might be heading next. Then, Andy discusses the removal of the contactless payment cap, the rise of 'Pay by Bank' and the key pitfalls you need to watch out for.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Latest Bank of England base rate predictions (5-Year Forecast)Sign up to our weekly newsletterTake out a free trial of 80-20 investor
On this week's episode, Damien breaks down why the market is suddenly betting on Bank of England rate hikes instead of cuts, and the immediate impact that is having on fixed-rate mortgages. If your remortgage date is looming and you're worried about rising rates, Damien walks you through exactly what you should do next. Plus, Andy explains why fixed-energy tariffs are soaring and what to expect from your energy bills in the coming months.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Best mortgage rates in the UKProduct transfer time window by lenderGet a Free, no-obligation mortgage reviewLatest Bank of England base rate predictions (5-Year Forecast)Best fixed-rate energy tariffsSign up to our weekly newsletterTake out a free trial of 80-20 investor
In this episode, Damien discusses the recent escalation in the Middle East and its immediate effect on global stock markets, bond markets and the price of gold. He also explains the importance of the US Dollar Index and why it is a key indicator to watch during times of geopolitical uncertainty. Finally, as ISA season approaches, Damien and Andy look at how you can earn interest on uninvested cash held within an investment platform. They outline the different ways platforms pay interest and the best rates currently available.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterTake out a free trial of 80-20 investorLatest price for UK Natural GasPlatforms paying the best interest on cashBest Cash ISA Rates
In this week's episode, Damien and Andy discuss new research that challenges the common fear that children will empty their Junior ISA savings the moment they turn 18. They also revisit the "Make your child a millionaire" strategy, explaining how parents can use compounding and annual contribution increases to set their children up for life, and why age 16 is a vital time to involve children in managing their own accounts. Finally, Damien discusses a "trick" for overpaying your mortgage without needing to find extra money in your monthly budget.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterTake out a free trial of 80-20 investorCompare the best Junior ISAs How to Make Your Child a Millionaire Child trust funds
In this episode, Damien identifies the "stealth" wealth destroyers that can quietly erode your long-term financial wealth. He reveals how these factors can cost you hundreds of thousands of pounds over your lifetime, explaining how to recognise the common pitfalls and take control of your financial future.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterBest and Cheapest Stocks and Shares ISAsPension Tracing ServiceHow to fill gaps in your national insurance recordBest and Cheapest Lifetime ISAs for 2026Inheritance Tax explainedMTTM - Episode 395 - The Diderot EffectTake out a free trial of 80-20 investor
In this episode, Damien looks at Vanguard's newly announced LifeStrategy "Global" range. He provides a back-tested comparison versus the existing LifeStrategy fund range to help you decide if these new funds could be a good fit for your portfolio. In addition, Damien discusses the changes to the existing LifeStrategy fund range that aims to remove their inherent "home bias".Next, after it was revealed that approximately 1 million people missed the 31st January self-assessment tax deadline, Andy provides a reminder of who should have filed a return, as well as the steps you can take to appeal a penalty.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:7 tips for completing your self-assessment tax returnHow to fill gaps in your national insurance record1 million people miss Self Assessment deadline: What to do if you're lateMTTM Podcast episode 435 - Best Vanguard LifeStrategy alternativesSign up to our weekly newsletterTake out a free trial of 80-20 investor
On this week's show Damien discusses what is driving the rally in gold and the current investment bank predictions for where the price of gold might go. Damien then explains the different ways that you can invest in gold, along with the pros, the cons, the costs and the risks.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.On this week's show, Damien discusses what is driving the rally in gold and the current investment bank predictions for where the price of gold might go. He then explains the different ways that you can invest in gold, along with the pros, the cons, the costs and the risks.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:How to invest in goldSign up to our weekly newsletterTake out a free trial of 80-20 investorWhich is the best & cheapest Investment PlatformEp 523 - Investing in Gold MinersEp 471 - Investing in Physical GoldRoyal Mint
On this week's show, Damien reveals the small changes you can make that can have huge positive impacts on your finances. Damien also discusses the average "pension gap" between the age at which people want to retire and the age at which they expect they can afford to retire. Finally, he explains how to close the "pension gap".Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:HMRC data reveals almost 6 million people overpaid tax - Are you owed a rebate?Mortgage Overpayment CalculatorApps to help you overpay your mortgageBarclays Repayment CalculatorMortgage LTV CalculatorSalary sacrifice to be capped at £2,000 per year from 2029How to make your child a millionairePension Calculator from MoneyhelperHow to make your child a millionaireStandard Life Retirement ReportPensionBee - Are high charges eroding your pension?Moneybox - Save for your pension using the 'Half your age' ruleSign up to our weekly newsletter
In this week's episode, Damien highlights a critical glitch in HMRC's self-assessment tool affecting Capital Gains Tax reporting for the 2024/25 tax year. He provides the steps you should take to correct your return and shares a tip on how you could reduce your tax bill by applying your annual allowance more effectively.Damien and Andy then discuss the latest data revealing a fall in UK house prices across all major indices. They break down the reasons behind the drop and what it means for buyers and sellers in 2026. Finally, Damien shares some practical tips on how to prepare your finances to secure the best mortgage deal.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Capital Gains Tax Calculator - 2024/25 Tax YearMTTM - Podcast Episode 494 - Improve your odds of getting a mortgageMTTM - Podcast Episode 367 - Preparing for fixed-rate mortgage deal endingHow to make your child a millionaire - Strategy GuideSign up to our weekly newsletterBest Cashback Credit CardsBest Savings Apps in the UKApps to help you overpay your mortgageShould I overpay my mortgage or save in 2026?
On this week's show, Damien shares how to set New Year financial resolutions that actually stick and how to build lasting, positive money habits for 2026. Plus, he reveals a simple strategy to pay off your mortgage years earlier, that doesn't require a pay raise or cutting back on your spending.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:MTTM - Podcast Episode 160 - Succeeding at New Years ResolutionsMTTM - Podcast Episode 393 - How to form good financial habitsMTTM - Podcast Episode 474 - Savings ChallengesBook: Atomic Habits by James ClearHow to make your child a millionaire - Strategy GuideSign up to our weekly newsletterBest Cashback Credit CardsBest Savings Apps in the UKApps to help you overpay your mortgageShould I overpay my mortgage or save in 2026?11 Savings Challenges to try this yearIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode, Damien discusses the possible investment themes of 2026 as well as investment bank predictions of where stock markets will be at the end of the year. Damien and Andy also reveal the various ways you can use Money to the Masses to improve your finances in 2026.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Take out a free trial of 80-20 investorTry Damoney.ai - Our AI guidance tool.Sign up to our weekly newsletterCheck out our Deals pageBudget Planner SpreadsheetTry my money MOTBest Buy Articles to check out: Mortgage, Savings, Credit Cards, ISA Cashback Deals, Pension Cashback DealsOur recent episode discussing AI investment risksIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
This week, Damien discusses some recent research into the best investment strategy to navigate a potential AI stock market bubble. Damien also explores the 'calendar effect' to find out when is the most profitable time of year to start investing your money.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:10 scenarios for surviving a stock market bubbleSign Up To The MTTM Weekly NewsletterTake out a free trial of 80-20 investorIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
This week, Damien and Andy explain why now might be a good time to fix your energy tariff. Even those already on a fixed-rate tariff may now be able to get a better deal without paying an exit fee. They then explain how over 900,000 pensioners could boost their retirement income by claiming an overlooked benefit.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign Up To The MTTM Weekly NewsletterCheck out Damoney.ai - Our AI powered guidance engineCheck out our Energy Comparison TablesFixed energy prices fall as energy price cap set to riseOfgem confirms £108 energy bill rise: What you need to knowGov.UK Pension Credit CalculatorIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
This week, Damien and Andy dig into the Budget to uncover the hidden changes the mainstream media missed. They also explain how the biggest announcements, including the new mansion tax and the new electric vehicle tax, will work in practice, before revealing the biggest winners and losers.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign Up To The MTTM Weekly NewsletterAutumn Budget 2025 roundup – Key points at a glanceSalary sacrifice to be capped at £2,000 per year from 2029Income tax thresholds to be frozen until April 2031 as ‘stealth tax' continuesDividend, property and savings tax rates to increase by 2%New ‘Mansion tax' costing up to £7,500 a year announced in the Budget 2025Cash ISA allowance to be cut for some – we explain who will be affected and how5 Budget announcements you might have missedNew pay-per-mile tax introduced for electric vehiclesTwo-child benefit cap scrapped – what it means for families£150 to be cut from energy bills as green levies scrappedIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode, Damien shares a list of small financial habits that have quietly saved (or made) thousands of pounds over the years. Damien covers everything from smart shopping strategies and energy-saving hacks to optimising your bills and banking. Plus, Andy shares a listener success story about how a Share Save scheme turned a £3,600 investment into nearly £15,000.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign Up To The MTTM Weekly NewsletterMTTM - Ep 360 - Share Save SchemesHidden Fees and Pressure SellingJam Doughnut cashback App reviewBest Cashback Credit Cards in the UKTop 10 household devices that could be wasting £600+ per year in energyHow to make your child a millionaireInsurance MatrixIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's podcast Damien takes a look at stock market 'value' around the globe before revealing which sectors within the US stock market are expensive and which are cheap. Andy and Damien then explain how a major overhaul of a leading credit reference agency's scoring system will result in 44% of people experiencing a drop in their credit rating. Finally, Damien discusses new research that highlights how using Buy Now Pay Later services could harm your chances of getting a mortgage.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign Up To The MTTM Weekly NewsletterGet a FREE TRIAL of 80-20 InvestorCheck out our latest Budget PredictionsHow to check your credit report for freeIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's show Damien discusses the upcoming Autumn Budget, providing a summary of the latest rumours and predictions, explaining how likely they are and how they could impact your finances.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign Up To The MTTM Weekly NewsletterIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode, Damien discusses the slowing of gilt sales by the Bank of England (quantitative tightening). He explains why it is happening and how it impacts everything from future mortgage rates and pension funds to government borrowing ahead of the Autumn Budget.Next, he looks at rising annuity rates (one of the major benefits of rising gilt yields) and reveals how much income you can secure from a £100,000 pension pot. He also explains how half of retirees could potentially secure an even higher level of income based upon their health.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign Up To The MTTM Weekly NewsletterGet a free pension reviewAnnuity comparison toolPodcast Episode 494 - Combining Annuities and DrawdownIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode, Damien discusses a significant rule change that provides UK investors with a new, regulated way to access crypto assets. He explains how crypto ETNs work, the potential tax advantages and the risks you need to be aware of before investing. He also explores a thought-provoking idea: could simply changing the names of everyday financial products or concepts, such as credit cards or the state pension, improve people's understanding and therefore their finances?Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign Up To The MTTM Weekly NewsletterWhat are Crypto ETNs and how can you invest in them?Are premium bonds worth it?If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's show Damien explains how the new car mis-selling compensation scheme, announced by the FCA this week, will work. He explains who will be eligible for compensation, the average potential payout and what you now need to do. Finally, he discusses the soaring price of gold and explains the pros and cons of investing in gold mining stocks.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign Up To The MTTM Weekly NewsletterFCA Car Finance Complaint TemplateReport Scam Texts (National Cyber Security Centre)Car Finance Redress Scheme: Latest Update80/20 Investor Free TrialPodcast: Investing in GoldPodcast: Investing in Gold Coins & BullionPodcast: Understanding Crypto WalletsNew Lloyds Cashback Credit CardIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode, Damien explains how leaving a gift to charity in your will can significantly reduce your inheritance tax (IHT) bill. He breaks down the rules and explores the most effective ways to structure your donation. Next, he reveals a little-known legal trap that affects anyone who gets married and could result in your estate being distributed according to the rules of intestacy.With October being 'Free Wills Month', it's a good opportunity to consider your estate planning. Eligibility is for those aged 55 and over. For those who don't qualify, Money to the Masses has an offer where you can save 20% when you complete your will with Farewill*. Farewill is rated 4.9 out of 5.0 on independent customer review site Trustpilot (from over 18,000 reviews).Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Get 20% off of an Online Will with Farewill*Find out about 'Free Will's monthWhat happens if you die without a Will? - Rule of Intestacy explainedCheck out our AI Guidance Tool - DamoneySign Up To The MTTM Weekly NewsletterIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's podcast, Damien celebrates a major milestone as his publicly-run £50,000 portfolio approaches £100,000 after just 10 years. He shares some practical insights on portfolio construction, how he manages psychological biases, and explains why a disciplined, long-term process is the key to successfully growing your wealth.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Take out a FREE TRIAL of 80 20 InvestorSign Up To The MTTM Weekly NewsletterIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
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