Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251

This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more.

In this episode of the Mouthy Money podcast, Edmund Greaves sits down with Lisa Kelly, a claims expert at protection insurance broker LifeSearch, to examine the mechanical reality of claiming on protection policies during severe health crises.

Moving beyond the theory of purchasing insurance, this discussion focuses strictly on the operational end of critical illness and income protection cover. Using real-world data and case studies, we look at how these policies function when policyholders face severe medical emergencies, long-term health issues, or an abrupt loss of income.

What we cover in this episode:

• Children’s Critical Illness Cover: The mechanics of claiming for a dependent, detailing a case involving a Wilms tumor diagnosis and the utilisation of ancillary benefits to access global medical consultants.

• Maternity/Paternity Income Disruption: How individual critical illness policies function when parents require extended time off work to manage a newborn's open-heart surgery.

• Long-Term Income Protection: A breakdown of an ongoing claim that began with a cancer diagnosis in 2013 and evolved to cover subsequent chronic conditions, including depression and arthritis.

• Short-Term Cover & Mental Health: A critical look at an immediate intervention involving a self-employed construction worker facing severe suicidal ideation, and the process of securing medical and financial support.

About our guest: Lisa Kelly is a claims expert at LifeSearch. She transitioned into customer care and claims management after navigating the complex claims process firsthand following her husband's bladder cancer diagnosis, providing her with a practical understanding of the system's demands on policyholders.

Relevant Links & Resources:

• LifeSearch: lifesearch.com

• Mouthy Money: mouthymoney.co.uk

• Samaritans (24/7 Mental Health Support): samaritans.org or call 116 123 (UK) if you are affected by the mental health themes discussed in this episode.

MOUTHY MONEY

Our substack* mouthymoney.substack.co.uk 

Get in touch ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

The Middle East conflict is sending shockwaves through the market. While most investors are panicking, Stratiphy expert Chris Ling explains why "sitting on your hands" is the ultimate power move for your ISA.

If you want to explore Stratiphy or build your own rules-based portfolio, you can use our referral link:

🔗 https://www.stratiphy.io/referrals?code=INVESTINGSTAKES

Disclosure: This is a referral link. We may receive a benefit if you sign up using it.

Catch episodes one and two on our channel to see how we got started with our £500 portfolios

Stratiphy uses systematic investment strategies based on momentum and moving averages to remove guesswork from portfolio management. Edmund and Chris are investing real money and tracking performance over time.

Subscribe to follow the full series as the portfolios evolve.

This series is produced in partnership with Stratiphy.

About Stratiphy

Stratiphy is an investing app that helps everyday investors build and track systematic strategies using algorithmic investing and backtesting.

Learn more about Stratiphy here: 

https://www.stratiphy.io/referrals?code=INVESTINGSTAKES

Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results.

Chapters

00:00 Intro & Episode Highlights

00:45 Welcome to Investing Stakes Episode 3

01:18 What is Stratiphy? (The Quantitative Approach)

02:40 Investing Principles During Market Stress

03:01 Why "Doing Nothing" is Often the Best Strategy

04:20 The £500 Portfolio Challenge: Initial Results

05:37 Personal Reactions: Zen vs. Constant Refreshing

07:13 The Power of Conviction in Long-Term Investing

08:20 The "Overreaction Tax": Why Panic Costs 1.5% a Year

08:50 Pound Cost Averaging: Turning Downturns into Gains

11:04 Sequencing Risk & Managing Retirement Funds

11:45 Performance Reveal: Beige Fox vs. Black Elephant

13:20 Market Analysis: How the Iran Conflict Impacted Benchmarks

16:12 Winning Stock: Why Marathon Petroleum ($MPC) Soared

18:35 Why Oil Refiners Benefit from Rising Prices

19:21 Analyzing the Losers: Copper, Gold, and the AI Boom

22:50 Market Outlook: Is a Recovery on the Horizon?

24:45 Community Q&A and Final Thoughts

MOUTHY MONEY

Our substack https://mouthymoney.substack.com/

Get in touch ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Solo living leaves people with far less disposable income, lower investing rates and weaker financial safety nets. 

But why does being single cost so much more? In this episode of Mouthy Money, we count the costs of the “single person financial penalty”.

With insights from Hargreaves Lansdown’s Helen Morrissey, we look at what singles (and couples) can do to protect their financial futures.

*On this episode*

▉ Singles have far less disposable income because costs can’t be shared.

▉ Thin monthly margins make saving and investing feel risky.

▉ Lower savings mean less protection against redundancy or illness.

▉ Talking about money improves financial resilience — even if you’re single.

▉ Divorce, separation, and bereavement can suddenly trigger the same penalty.

▉ Relying on a partner’s pension is risky if circumstances change.

▉ Cohabiting without legal protections can lead to major financial losses.

▉ Everyone should plan for retirement as an individual first.

*Let us know what you think?* Does the single person financial penalty affect you?

*Chapters*

00:00 – The single person financial penalty explained

01:40 – Why living alone costs so much more

03:15 – Disposable income gap: £23 vs £280

05:20 – Safety nets, job loss, and financial vulnerability

07:20 – Why singles invest less (and fear risk more)

10:20 – UK savers vs investors: pensions and misconceptions

13:55 – Breakups, divorce, and becoming single later in life

16:05 – Pension complacency and cohabitation risks

18:15 – How to plan like a financially independent adult

MOUTHY MONEY

*Our substack* mouthymoney.substack.co.uk 

*Get in touch* ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

This week we’re joined by Tom Bailey, head of research at Han ETF. Tom speaks to host Edmund Greaves about the world of ETFs, including gold and other asset classes, now available to investors through the investment vehicle.He also digs into why normal investors in the UK can’t hold bitcoin ETFs thanks to intransigence from the UK’s financial regulator.Han ETF
https://hanetf.com/What the FCA says about bitcoin ETFs
https://www.fca.org.uk/news/statements/fca-updates-position-cryptoasset-exchange-traded-notes-professional-investors

This week’s guest is university lecturer and author Dennis Duncan, who recounts a personal story to host Edmund Greaves about how he was hounded for thousands of unpaid energy bills he didn’t owe after his energy provider went bust, and how he beat the debt collectors who were chasing him.

But strangest of all in the tale, is how the debt collectors signed off their threatening letters with a signature that looked suspiciously like that of late pop star Michael Jackson. Dennis explains what happened and how he beat the debt collectors at their own game.

Could financial education solve the pensions crisis? This is the extraordinary possibility which Sarah Marks, chief executive of financial education charity RedSTART suggests this week when she caught up with host Edmund Greaves. Sarah shares the latest findings from RedSTART's multi-year education study as well as some surprising insights into why we're in such a collective fix with our retirement savings. Previous episode with Sarah: Why financial education matters – part two

RedSTART Educate : Homepage - RedSTART (redstarteducate.org)

Join host Edmund Greaves and Francesca Giacomin for a quick catch-up on recent news and what’s coming up at Mouthy Money. We even let slip the title of our next book giveaway and the name of an exciting upcoming podcast guest! Tune in to catch all the details! Book competition: WIN a copy of Loose Change - Tina Learns to Save by Sonia Rach  - Mouthy Money Why financial education matters – part one with Sonia Rach: Why financial education matters - part one by Mouthy Money (spotify.com) Why financial education matters – part two with Sarah Marks: Why financial education matters - part two by Mouthy Money (spotify.com) Word of the week: Money word of the week - helping understand key financial phrases and ideas - Mouthy Money Mouthy Money Deals: Mouthy Money Deals - Mouthy Money

Our concept of wealth is a constantly moving barrier. As we earn and save more, the idea that we might now be ‘rich’ seems difficult to comprehend. But how much would really be the level at which money makes us rich?

Join host Edmund Greaves as he’s joined by MRM’s head of consumer finance Chris Tuite, who details the findings of the Money Matters Index report – and puts an exact number on exactly how much money makes us rich, according to us.

MONEY MATTERS INDEX REPORT SPRING 2024

MMI report April 2024 - Flipsnack

MONEY MATTERS INDEX REPORT

https://www.mrm-london.com/mmi

The meme stock boom of the pandemic might be over, but are small-time investors is still thriving? The arrival of US-bases Robinhood in the UK is a timely reminder of just how many options there are for Brits looking to invest their savings.

But with so many options are these firms stable enough to survive, let alone thrive, in tumultuous investment markets?

Mouthy Money podcast host Edmund Greaves is joined by chief executive of Fundscape, Bella Caridade-Ferreira and Chris Tuite, head of consumer finance at MRM, to unpick the investment platform market and why we’re nowhere near a potential saturation point.

Fundscape

https://fundscape.co.uk/

Bella Caridade-Ferreira

https://www.linkedin.com/in/bella-caridade-ferreira-16639918/

Compare and Invest

https://compareandinvest.co.uk/

Robinhood

https://robinhood.com/gb/en/

InvestEngine

https://investengine.com/

Dumb Money

https://www.imdb.com/title/tt13957560/

Remortgagers are facing a big question now that rates look set to start falling as inflation eases. In the latest edition of the Mouthy Money podcast, contributing editor Paul Thomas chats to Perry Graves of mortgage broker Tembo Money to find out what people should do.

Latest inflation data

https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/consumerpriceinflation/february2024

The Bank of England’s interest rate decision

https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

Tembo Money

https://www.tembomoney.com/

Mortgage broker Perry Graves

https://www.tembomoney.com/team/perry-graves

Further info on mortgage interest rates

https://www.moneyhelper.org.uk/en/homes/buying-a-home/mortgage-interest-rate-options

Host Edmund Greaves and ii financial expert Myron Jobson are back to dissect Jeremy Hunt's Spring Budget 2024, highlighting the key announcements and what they mean for our finances. Plus, Myron explains last-minute tax year considerations, including capital gains tax changes and more.

Mouthy Money podcast host Edmund Greaves recounts his recent experience climbing Kilimanjaro for charity. From vaccines to M-Pesa, acclimatising to the gear for summiting - there's a multitude of money aspects to think of before you climb. Joined by Argentine-American bitcoin eductor and friend of the podcast Trevor Schrock.

Crypto and non-fungible tokens (NFTs) have been on a wild ride in the past few years. Edmund Greaves and Francesca Giacomin review a new book, 'The Everything Token' by Steve Kaczynski and Scott Duke Kominers which delves into the world of NFT technology. Mouthy Money is giving away one of three copies, find out more how to win one by listening in.

The FIRE Movement (Financial Independence Retire Early) is focused on helping you quit your day job as fast as possible. But is that even a desirable outcome?

From people who regret the financial pain that FIRE demands, to those who miss their careers it might be time to rethink its goals.

Fidelity’s Andrew Oxlade joins the podcast to discuss FIRE and his alternative: CHILL. He thinks people should focus on finding work that gives them joy and purpose, while also planning their finances sensibly for the long-term.

Let us know what you think? Are you a hardcore FIRE fan or is it too much like hard work? Let us know below. 

On this episode

▉The FIRE movement encourages extreme saving for early retirement.

▉ Time is a crucial factor in investment success.

▉ Balancing present enjoyment with future savings is essential.

▉ Challenging the notion that retirement is the ultimate goal.

▉ Career happiness can lead to a longer, more fulfilling life.

▉ The anti-FIRE movement promotes finding joy in work.

▉ Investing early maximizes the benefits of compounding.

▉ Pensions and ISAs offer different advantages for savings.

▉ Cultural attitudes towards work and retirement need to evolve.

▉ Flexibility in work can enhance life satisfaction. 

Chapters

00:00 Introduction to the FIRE Movement

02:23 Understanding the FIRE Movement

09:02 The Role of Time in Financial Planning

11:22 Challenges of the FIRE Movement in the UK

12:49 Critique of the FIRE Philosophy

16:46 Alternative Perspectives on Career and Retirement

23:42 Personal Reflections on Retirement Goals

MOUTHY MONEY

Get in touch ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

FIRE movement, financial independence, retire early, investing, retirement planning, personal finance, savings, financial goals, work-life balance, longevity

Cash is dying out as a form of payment. But is it worth saving? Edmund Greaves talks to Martin Quinn from the Payment Choice Alliance on the reasons why cash is more important to us than we might ever have realised.

Are you remortgaging this year? The home loan market is a minefield at the moment. Host Edmund Greaves catches up with colleague and mortgage aficionado Paul Thomas on how we got to the current situation and what anyone who is looking to remortgage should consider right now.

In this month’s Myron & Ed team up, the guys preview the upcoming Budget in March, including what they THINK will be in the Budget, what they WANT and the controversial tax Ed would like to see in his wildest dreams…

You’ve heard of cowboy builders, but did you know cowboy will writers were a thing? Join host Edmund Greaves as he uncovers the scourge of dodgy will writing with Sarah Manuel of professional body STEP, to find out how a bad will could cost you thousands. Mouthy Money - the personal finance blog with attitude

Could AI solve the advice gap? This is one of six key trends highlighted by fintech entrepreneur Anthony Morrow, who joins host Edmund Greaves to discuss major changes coming for financial services and consumers this year.

- article: Fintech 2024: The "Big Six"  - MRM (mrm-london.com)

With rampant inflation, should we consider a return to the gold standard? Or is the future of money shaped by innovative financial technologies like bitcoin? Host Edmund Greaves digs into how bitcoin works with bitcoin educator Trevor Schrock, and whether it could change how the world's financial system works. For more, visit Mouthy Money

In episode two of Myron & Ed's monthly money podcast Edmund Greaves, editor of Mouthy Money, and Myron Jobson, personal finance expert at interactive investor dig what's happening to mortgage rates, the real cost of climbing Kilimanjaro, and important New Year's financial resolutions.

Is Blue Monday a real thing, or just a concoction to encourage people to buy holidays? Edmund Greaves chats to MRM's Chris Tuite to look at 'Blue Monday's' origins and questionable motives - but ponders whether it might actually be worthwhile despite the PR spin.

Mouthy Money editor Edmund Greaves is joined by Argentine-American bitcoin educator Trevor Schrock to get to grips with what living with 200%+ inflation is like in Argentina, and whether bitcoin could one day be the solution to the problem.

Join Edmund Greaves for a thought-provoking discussion with Sarah Marks, CEO of RedSTART Educate in the second part of our series on why financial education matters.

In this episode, Ed and Sarah delve into the landscape of financial education, examining the importance of providing individuals with essential financial literacy skills.

What would happen to the global financial system if governments disclosed evidence of extraterrestrial life?

In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite explore a surprisingly serious question sparked by a real report from a former Bank of England analyst.

The discussion considers the idea of an “ontological shock”. A moment so disruptive it forces society to rethink reality itself and why alien disclosure could trigger the biggest financial crisis in history. 

From market panic and bank runs to the collapse of entire industries, the pair examine how advanced alien technology could instantly rewrite the rules of energy, defence, AI and even capitalism itself.

Using aliens as an extreme thought experiment, the episode considers how central banks manage risk, why not all threats can be planned for, and where preparation turns into over-engineering. 

Along the way, they draw parallels with COVID, black swan events, climate risk and technological disruption - asking what this means for investors, institutions, and ordinary savers.

Serious, speculative and deliberately provocative, this episode isn’t really about aliens. It’s about risk, uncertainty, and how fragile the systems we rely on really are.

Read editor Edmund Greaves's full article here:

https://www.mouthymoney.co.uk/investing/should-the-bank-of-england-prepare-for-aliens-a-thought-experiment-in-extreme-risk/

Chapters

00:00 – Should the Bank of England prepare for aliens?

01:55 – The real report that sparked this discussion

04:00 – What is an “ontological shock”?

06:50 – Would alien disclosure trigger a financial crisis?

11:30 – Technology, energy, and instant market winners & losers

16:30 – Panic, bank runs, and insider information

20:00 – Can you prepare for unknown unknowns?

24:40 – Are we over-managing risk in finance?

26:45 – What this really means for investors

29:00 – Final thoughts: aliens as a risk thought experiment

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

We're very excited this week to launch a brand new collaboration on the Mouthy Money podcast. Editor Edmund Greaves and interactive investor personal finance expert Myron Jobson have teamed up to create a brand new series of longer-form podcasts on the Mouthy Money podcast channel.

In the first edition, Myron and Ed dig into their own backgrounds to consider some of the things that have shaped their money lives, including hardworking mums, becoming dads and the lessons they've learned from their own mistakes and experiences with money.

They also round up some of the big news from November's Autumn Statement and how this could affect your money in 2024. Stay tuned and subscribe to our podcast channels to hear more from them in the coming months!

Editor Edmund Greaves chats with financial journalist and children's book author Sonia Rach to explore the importance of starting early with kids, who learn financial habits as early as age seven.

Join our host, editor Edmund Greaves, alongside guest, Chris Tuite, MRM Director and Head of Consumer Finance. In this episode, we explore the recently released 'The Young Money Report,' an MRM report in collaboration with Mouthy Money. Gain valuable insights as Ed and Chris discuss key findings and explore how industry experts reacted to the findings.

Small business owner and Mouthy Money columnist Michael Taggart talks to host Edmund Greaves. We dive into Michael's personal finance background and his journey to running his own small business MDTea. Plus we find out what he'd do if he won the lottery, and what he'd do as Chancellor for the day.

Unveiling the Cost of Pet Care: 'The Problem with Vets' delves into the soaring expenses of veterinary care. Plus we dissect the CMA's vet investigation and unravel the complex connection between pet owners, private equity, and your furry friend's well-being.

Building an emergency fund, surprising inflation trends, and the top Money Blogs of the Week from Mouthy Money.

Demystifying interest rates. Get ready for some valuable tips on leveraging rising interest rates for your investments and understanding the impact of inflation on your savings and investments.

Introducing the Money Mole! Discover the thrilling details behind Money Mole's debut article, where banks' hidden phone numbers are revealed! If you've got a story for the Money Mole to spill, reach out to us at editors@mouthymoney.co.uk.

Pension Awareness Week: Delving into the world of pensions with our financial expert, Ed, and host Francesca. Discover the ins and outs of pensions, types of pension plans, government's role, and much more.

Welcome to the Mouthy Money Podcast, your weekly financial knowledge boost! Join us every week as we dive into the world of money and make it simple for you.

Welcome to Investing Stakes. Our new monthly series where Edmund Greaves and Chris Tuite invest £500 of their own money and track the results in public over a five-year horizon, in partnership with Stratiphy.

In Episode 1, Ed and Chris set out their strategies (momentum vs moving averages), choose sectors and debate the big themes shaping markets - including AI, healthcare innovation, defence spending and energy - with Stratiphy Chief Investment Officer Chris Ling.

What you’ll get in this series (monthly):

• Our latest performance: what’s up, what’s down, and why

• The decisions we’re making next (and what we’re avoiding)

• Clear explanations of investing fundamentals and market context

• A closer look at systematic/quant approaches (signals, backtests, and portfolio changes)

In this episode:

• The market backdrop and what’s driving volatility

• Tech vs no-tech: the core disagreement

• Why we’re doing “skin in the game” investing publicly

• How Stratiphy strategies work (momentum, moving averages, MACD)

• ISA vs GIA considerations (and why it matters)

About Stratiphy

Stratiphy is an investing app that helps everyday investors build and track systematic strategies using tools such as signals and backtesting.

Learn more about Stratiphy here: https://www.stratiphy.io/

This series is produced in partnership with Stratiphy. 

Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results.

Chapters

00:00 Introduction to Investing Stakes

01:17 The Importance of Skin in the Game

05:39 Introducing Chris Ling from Stratify

07:38 Current Market Landscape and Geopolitical Concerns

14:02 Understanding Stratify's Unique Investment Strategies

21:48 Hosts' Investment Plans and Sectors of Interest

28:03 The Energy Debate: Investment Perspectives

31:15 Financial Services: A Resurgence on the Horizon?

34:49 Industrials and Defense: Investing in Uncertainty

40:38 Tech Stocks: Overvalued or Here to Stay?

50:24 Investment Projections: Looking Ahead

All views expressed are those of the presenters and guests and do not constitute financial advice. Your capital is at risk, investments can go down as well as up. Past performance is not indicative of future results.

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

Are you one of the 1.8 million homeowners planning to remortgage this year? 

In our latest podcast, Paul Thomas shares insights on the 2026 mortgage market and what rate cuts might mean for you. 

With some bullish forecasts, could we see rates drop as low as 2.75%? 

Paul explains:

-There is a consensus that mortgage rates may decrease this year.

-Economic indicators like inflation and employment significantly impact mortgage rates.

-Homeowners should not panic about recent low property sales in their area.

-Remortgaging can be beneficial, but timing and market conditions matter.

-It's essential to explore multiple mortgage options before making a decision.

-Staying with the same lender can simplify the remortgaging process.

-Don't leave remortgaging decisions until the last minute.

-The housing market may improve as economic conditions stabilize.

-Understanding the mortgage market dynamics is crucial for homeowners.

-There are reasons to be hopeful for better mortgage rates in the near future.

Chapters

00:00 Introduction to the Mortgage Market Discussion

02:57 Current Trends in Mortgage Rates

05:32 The Impact of Economic Indicators on Mortgages

08:30 Understanding Remortgaging and Its Challenges

11:05 Navigating the Mortgage Market: Tips for Homeowners

13:46 Future Outlook for Mortgage Rates and Housing Market

16:45 Practical Steps for Remortgaging

19:28 Final Thoughts and Conclusion

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

Having a financial survival kit is critical in a world that is becoming less safe and the future direction of economies becomes more uncertain. So what should you have in it?

In this week’s episode, Ed and Chris consider some of the basics you need for a financial survival kit, plus one other that most people forget: life insurance and income protection.

The guys welcome onto the show Cavendish Online’s Ollie Popham to look at how life insurance and income protection work and how it can form a key part of your financial emergency preparedness. 

Income protection in particular is poorly understood but can be extraordinarily beneficial for those who might not even think they need it. This is especially the case for those of us who think we’ll never fall ill or be unable to work - something that affects way more people than you might imagine. 

Ed urges everyone to at least try going through the process to see what cover they might be able to get and how much it would cost. The price of such products might surprise you, especially if you’re young, fit and otherwise healthy now. 

If you’d like to learn more about Cavendish Online and the brokering they offer for protection products, check out their website: https://www.cavendishonline.co.uk/

Chapters

00:00 Introduction and New Beginnings

02:48 The Concept of Financial Survival Kits

05:30 The Importance of Insurance in Financial Planning

08:07 Understanding Life and Income Protection Insurance

11:09 Navigating the Costs of Income Protection

13:44 The Role of Cavendish Online in Insurance

16:44 Personal Experiences with Insurance

19:15 The Value of Comprehensive Coverage

22:04 Final Thoughts and Recommendations

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

Comedian Mark Watson shares a brutally honest look at the money, risk and resilience behind a career in comedy: from surviving £100 gigs to navigating tax, kids and the cost of living crisis.

In this episode of the Mouthy Money podcast, guest editor Vix Leyton joins host Chris Tuite while normal host Edmund Greaves is on paternity leave, and they’re joined by comedian and author Mark Watson.

Mark breaks down the financial reality behind a career in comedy: early years living on the bare minimum, taking side jobs, and treating every £100 gig as immediate rent money. 

He tackles a common myth head-on, being on TV or radio doesn’t automatically mean you’re wealthy and explains how many comics run at a loss for years once you factor in travel and unpaid/low-paid gigs.

Mark describes the “grown-up” financial turning points for freelancers: getting an accountant, taking tax and VAT seriously, and learning to budget around irregular income where payments can arrive months late (or not at all). 

Mark’s practical advice: pay for professional financial help because creative income is messy, and don’t mentally spend money until it’s in your account. His broader philosophy is blunt: life will drain money into boring necessities anyway, so if you can, enjoy some of it now.

Chapters

00:00 The reality of irregular income and early financial survival as a comedian

00:34 Podcast introductions and Mark Watson’s career background

02:05 Breaking into comedy: low pay, free work, London costs, and early sacrifices

04:51 Turning point: tax, VAT, accountants, and learning to budget with erratic income

06:52 Parenthood, financial anxiety, and long-term money vigilance

08:42 Should you pursue a career in the arts during a cost-of-living crisis?

12:05 Grassroots comedy, struggling venues, and the impact of hospitality decline

14:51 Corporate gigs, appearances, and how business budgets really behave

18:43 Advice for turning passion projects into careers: resilience and realism

22:00 Podcasting, creators, and the myth of overnight success

23:10 Practical financial advice: accountants, spending, and “surprise money”

24:54 Teaching kids (and adults) real-world financial literacy

27:02 Light relief: space travel, value for money, and cultural tangents

29:14 Mental traps around expected income and financial disappointment

32:50 Where to find Mark Watson, current projects, and closing reflections

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Mark Watson; Mouthy Money podcast; Vix Leyton; comedian finances; freelance budgeting; creative industries money; cost of living crisis UK; Edinburgh Fringe costs; comedy gigs pay; VAT for freelancers; irregular income; accountant for creatives; corporate event comedy; making money in comedy; financial advice for freelancers; side hustles creative careers; stand-up comedy career.

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate. 

With Ed on paternity leave, Chris is joined by Vix Leyton (Spendology podcast host and consumer finance expert at Think Money) as guest editor, alongside writer and comedian Siân Docksey, for an open, practical conversation about money, creativity and confidence.

At the centre of the episode is Siân’s “Money Coven” - a simple weekly Zoom and WhatsApp accountability group created during a tough financial period. No jargon or hacks, just honesty, consistency and support. The result: debt tackled, income improved and a healthier relationship with money.

Together, they cover:

• Why money is still taboo, particularly in the UK
• Financial confidence, shame and gender
• The realities of self-employment and creative careers
• Saving, automation and low-stress investing
• Why money works best as a tool for life, not a moral test

Smart, funny and reassuring, this episode shows how talking about money and not doing it alone can make a real difference.

👉 Follow @vixleyton and @SianDocksey on Instagram

Chapters

00:00 Introduction and Guest Introductions

01:56 The Importance of Financial Confidence for Women

04:55 Cultural Attitudes Towards Money

10:21 Personal Experiences with Financial Setbacks

15:07 Building a Supportive Financial Community

20:48 The Impact of Accountability on Financial Health

25:21 Navigating Financial Vulnerability

27:11 Understanding Money as a Tool

30:40 The Emotional Side of Money

34:26 Advocating for Financial Transparency in the Arts

38:11 Building a Sustainable Creative Career

41:09 Knowing Your Worth and Asking for It

finance, financial confidence, women in finance, personal finance, community support, financial setbacks, arts industry, money management, investing, financial transparency

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate. 

What do you aspire to financially? It could be becoming a millionaire or just owning your own home. But whatever your aspirations are, it feels like it is getting harder and harder to feel like we’re on the right path to that.

This week, Chris and Ed dig into the challenges facing people who aspire to make more of their money, from graduates who have the tax system set up against them to those who want to invest but find themselves without the resources to do that.

The guys also consider why people hold so much cash despite knowing investing is a better use of their wealth and why there’s room to be positive, even if you’ve only got £50 a month to set aside.

Do you feel like we’re at an end to the era of aspiration? Do you still have hope for the future? Let us know in the comments 👇

Keywords

aspiration, economic challenges, student debt, investment, financial security, wealth building, economic growth, personal finance, financial education, future planning

CONNECT WITH US

Thank you for watching our video!If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate. 

Where next for bitcoin? We’re joined by Daniel Parkinson ‘the Bitcoin IFA’ to review the digital asset’s story of 2025 and where it goes next in 2026.

From regulatory shenanigans in the UK to treasury company uncertainty and the whipsaw of recent cycles, Dan explains his thoughts on what could happen to the price given all we know about markets, money printing and investor behaviour.

How do you feel about bitcoin’s prospects for the year ahead? Let us know in the comments. 👇

Bitcoin, cryptocurrency, digital assets, investing, financial regulation, FCA, market cycles, cryptocurrency investments, Mouthy Money podcast.

Chapters00:01 Introducing the episode, co-host Chris, and returning guest Dan (“Bitcoin IFA”) to talk about Bitcoin’s year and what’s next.

02:17 FCA lifting its own ban on Bitcoin/Ethereum ETNs, patchy platform access, harsh risk warnings, and Dan even failing the eligibility “tick-box” test.

[05:55 ISA chaos: HMRC’s six-month window, forced move to Innovative Finance ISAs, platforms not offering them, and fears of forced selling or loss of tax benefits.

08:51 Chris’s Bitcoin journey, institutional signals, UK rule changes, 2025 all-time highs near ~$120k, and feeling far more confident holding Bitcoin long term.

11:13 Short-term drawdown since the peak, Dan’s cycles framework (daily/weekly/four-year), expectations for a weekly low and a four-year low in late 2026, and lump-sum vs DCA.

19:18 Tech stock froth (e.g. 600x P/E Palantir), Bank of England valuation worries, and the “inherent value” debate comparing Bitcoin, gilts, gold, stocks, and the rubber dinghy analogy.

22:30 Bitcoin treasury companies like Strategy: leverage worries, FUD every cycle, dividend buffers, and how traditional finance struggles to understand new Bitcoin-centric models.

25:06 Why straightforward Bitcoin exposure (on-chain or ETN) beats opaque corporate wrappers, plus the “vault vs engine/playpen” portfolio idea and where high-volatility crypto fits.

29:20 “Bitcoin is dead” headlines, missed early-adopter stories, on-chain whale and OG selling, 95% of Bitcoin mined, future halvings, and the long-term scarcity thesis.

35:23 Ongoing money printing, the Fed ending QT, expected liquidity tailwind into markets, and a hopeful close looking ahead to 2026 and the future of Bitcoin.

Keywords Bitcoin, cryptocurrency, digital assets, investing, financial regulation, FCA, market cycles, cryptocurrency investments, Mouthy Money podcast.

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Want to listen to our regular episodes on the go? We’re on Spotify and Apple Podcasts:

🔗https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=0b1b07fa0e2a4dda 

🔗 https://podcasts.apple.com › podcast › mouthy-money

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate. 

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251

This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more.

Most people treat their pension as a passive "set and forget" savings account. They are wrong. In this episode, Edmund Greaves and Chris Tuite are joined by Clare Moffat, pension and tax expert at Royal London, to dismantle the myths that keep the UK "under-saved." 

We tackle why a staggering 25% of young workers misunderstand their own money and why the "default fund" might be the biggest hurdle to your future wealth.

• The Default Fund Trap: Why "safe" is actually risky for anyone under 50.

• The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth.

• The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57.

• The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance.

• The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost.

"Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance."

Resources & Links:

• Royal London Research: Pensions and Adequacy Report (via Oxford Economics).

• Mouthy Money: Visit our website for more no-nonsense financial guideshttps://mouthymoney.substack.com/

• Follow Edmund Greaves: https://www.linkedin.com/in/edmundgreaves/ 

MOUTHY MONEY

Get in touch ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

What’s inside this episode:

-The Default Fund Trap: Why "safe" is actually risky for anyone under 50.

-The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth.

-The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57.

-The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance.

-The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost.

"Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance."

Resources & Links:

• Royal London Research: Pensions and Adequacy Report (via Oxford Economics).

• Mouthy Money: Visit our website for more no-nonsense financial guideshttps://mouthymoney.substack.com/

• Follow Edmund Greaves: https://www.linkedin.com/in/edmundgreaves/ 

MOUTHY MONEY

Get in touch ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

The 2025 Budget has finally landed - Ed and Chris unpick three key areas you need to be aware of for your money and long-term wealth.

What’s your take on the big moves? Let us know in the comments. 👇

The announcements include big threshold freezes to income taxes and a sneaky student loan earnings threshold freeze. 

Savers have also been hit with hikes to dividend taxes, savings taxes and pension salary sacrifice allowances. 

Meanwhile the Cash ISA allowance cut has finally been confirmed, leaving savers less space to shelter their cash from tax.

And finally, the guys consider the implications of the new ‘mansion tax’ which will just make the already broken council tax system even worse, all while generating an embarrassingly small amount of money.

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

What does it mean to be “rich” in Britain in 2025?

In this episode of the Mouthy Money podcast, editor Edmund Greaves and co-host Chris Tuite examine how people in the UK think about wealth, why many don’t feel rich even on high incomes, and what this means for policy, politics and personal finances.

Drawing on recent research reported in The Times, they discuss why around 90% of people earning £100,000–£125,000 a year don’t consider themselves rich, and how cost of living pressures, inflation and stagnant wage growth have reshaped what “wealthy” feels like.

They contrast subjective feelings of comfort or precarity with objective indicators such as income, home ownership, pensions and savings.

SOURCES

Wealth report in the Times: https://www.thetimes.com/money/family-finances/article/what-it-takes-to-be-rich-in-britain-today-gxw3grh3f

IFS report on trends in income and wealth inequality: https://ifs.org.uk/publications/trends-income-and-wealth-inequalities 

Fairness Foundation on wealth inequality: https://acss.org.uk/wp-content/uploads//Wealth-inequality-and-growth-in-the-UK-policy-briefing-Nov-2025.pdf 

Kings College London report on wealth taxes:https://www.kcl.ac.uk/news/wealth-tax-rich-list-could-raise-billions 

‘The housing theory of everything’: https://worksinprogress.co/issue/the-housing-theory-of-everything/

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Want to listen to our regular episodes on the go? We’re on Spotify and Apple Podcasts:

🔗https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=0b1b07fa0e2a4dda 

🔗 https://podcasts.apple.com › podcast › mouthy-money

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

🔎 Keywords 

Mouthy Money podcast, UK wealth 2025, rich in Britain, cost of living crisis UK, wealth inequality UK, wealth gap, baby boomer wealth, inheritance, inheritance tax, wealth tax, top 1 percent, social mobility UK, squeezed middle, housing crisis UK, house prices, renting vs owning, pensions, intergenerational inequality, AI and jobs, future of work, personal debt UK, credit card debt, student overdraft, financial education, tax system UK, fiscal policy, neoliberalism, social contract, consumer choice, money mindset, financial security, Edmund Greaves, Chris Tuite.

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

For generations, owning a home has been at the heart of the British dream, the ultimate sign of financial success and stability. 

But in 2025, is property still the sure-fire investment it’s cracked up to be? 

In this episode of the Mouthy Money Podcast, hosts Edmund Greaves and Chris Tuite are joined by Marianna Hunt, Associate Director at Fidelity International, to dig into the numbers behind the nation’s love affair with bricks and mortar.

Marianna shares eye-opening new research revealing that UK property has lost money in real terms over the past few years when inflation is factored in. 

She explains why the old mantra of “my home is my pension” could leave people exposed and why a mix of pensions, ISAs, and global investments may be a smarter way to build long-term wealth.

Together, the trio explore how cultural attitudes, rising interest rates and shifting affordability have reshaped the property market. 

They also discuss the emotional side of home ownership, from the security it brings to the stress of tying up all your savings in one asset.

💬 In this episode:

• Why property isn’t the guaranteed win many believe

• How homeownership fits into a balanced financial plan

• The real returns on property vs global stocks

• Why Brits invest so little outside of housing

• Simple, practical tips for diversifying your money

If you’ve ever wondered whether buying a house is the best route to financial freedom, or if your “property-as-pension” plan still stacks up, this is essential listening for anyone thinking seriously about money, housing and their future.

⏱️ Chapters

00:00 - Intro

03:09 - Chris and Ed’s view of their properties

08:50 - The truth about property as an investment

12:45 - “My property is my pension”?

16:10 - Diversifying beyond bricks and mortar

19:50 - Why Brits love property so much

25:40 - Building a balanced financial plan

30:10 - Final thoughts

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

Brewdog is perhaps the poster child of the crowdfunding movement in the UK. Popularised under the ‘Equity for Punks’ schemes, after years of free beer cases one investor has now been left with a sour taste in his mouth.

Anthony Morrow, a respected founder, business owner and investor shares his experiences as a Brewdog crowdfunder and on other schemes such as burritos and Deliveroo.

He thinks that anyone thinking about the offer of crowdfunding should be very careful and aware of the drawbacks. 

Ed and Chris share their experiences too. Ed has invested at one time in the Monzo crowdfund campaign, but is still waiting to see if his ‘on paper’ gains come to fruition. Chris, meanwhile, has never crowdfunded but intends to invest in his local community pub when he gets the opportunity. 

The guys share their wider thoughts on whether crowdfunding is worthwhile, or if it is a way for companies to capture online audiences who think they have a stake in the business, only to be sold down the river by venture capitalists behind the scenes.

They also look at the wider implications for equity markets in the UK, including why initial public offerings (IPOs) aren’t necessarily a good time to buy, instead they should be understood as an exit point for successful founders and early-stage investors.

But ultimately, they agree that public and open investment markets are better for the health of businesses and private investors looking to their long-term portfolio growth.

Let us know what you think in the comments and don’t forget to like and subscribe for more about money and wealth!

CHAPTERS

00:00 Introduction

02:26 Brewdog a case study in crowdfunding

11:57 The risks and rewards of crowdfunding

16:13 IPOs and the realities of investing in public markets

23:12 the future of crowdfunding and investing in them

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Want to listen to our regular episodes on the go? We’re on Spotify and Apple Podcasts:

🔗https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=0b1b07fa0e2a4dda 

🔗 https://podcasts.apple.com › podcast › mouthy-money

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

It’s easy to be drawn into ideas that promise high returns and low effort or risk - but for the most part this is either deluded or a straightforward scam.

Pushing back against the more toxic types of online ‘hustle culture’ means redefining what our income is and how we use it to ensure long-term wealth growth. 

This means thinking of our income as an asset to be used, valued, nurtured and grown - instead of hoping for a miracle down the road.

A concept made famous by American financial influencers such as Dave Ramsey the idea that ‘income is your most valuable asset’ can help us to ensure we’re not then giving that asset away - be it through debt, overspending or bad investments.

Instead its about ensuring that your income is working as hard as possible to achieve your long-term goals. As our routine mantra on the podcast goes - this means making a plan and sticking to it. 

Let us know your thoughts in the comments. How do you ensure your income is working as hard as possible for your long-term future financial health?

00:00 Introduction to income as an asset

01:47 Understanding hustle culture

07:42 The philosophy behind income as an asset idea

09:37 Realistic wealth building strategies

13:37 Practical aspects of managing income

18:54 Stability and decision making with money

20:31 Celebrating small victories and continuous learning

TAKEAWAYS

-Income is an asset that should be leveraged for wealth.

-Simply earning income won't make you a millionaire.

-Establish a clear understanding of your income.

-Think strategically about using income for investments.

-Income should not just cover bills but build wealth.

-Long-term wealth requires active management of income.

-Investing income wisely is crucial for financial growth.

-Understanding income's role can change financial perspectives.

-Wealth building is a proactive process, not passive.

-Income management is key to financial success.

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate. 

Are index-tracking passive funds too concentrated on US tech? Fears are rising that, thanks to the wild success of the so-called ‘Magnificent Seven’ tech stocks, investors in passive index funds are becoming over-exposed to a small number of equities.

We’re joined by Mohneet Dhir, co-founder of advice firm &together and former Vanguard Lifestrategy fund manager, to look at whether market concentration is a real concern and if investors can pick active funds to avoid the problem. 

Let us know in the comments what you think of the market concentration issue. Has it changed your investing plans? 

SHOW NOTES

You can find more about Mohneet and &together here:

https://and-together.co.uk/about-us/

Chapters

00:00 Introduction to Investment Strategies

02:57 Understanding Fund Management and Antogether

05:26 The Passive vs Active Investment Debate

11:02 Exploring Vanguard's Life Strategy Funds

16:28 Market Concentration and Its Implications

22:20 The Role of Fund Managers and Investment Selection

27:25 Navigating Investment Choices and Diversification

CONNECT WITH US

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DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

Are index-tracking passive funds too concentrated on US tech? Fears are rising that, thanks to the wild success of the so-called ‘Magnificent Seven’ tech stocks, investors in passive index funds are becoming over-exposed to a small number of equities.

We’re joined by Mohneet Dhir, co-founder of advice firm &together and former Vanguard Lifestrategy fund manager, to look at whether market concentration is a real concern and if investors can pick active funds to avoid the problem. 

Let us know in the comments what you think of the market concentration issue. Has it changed your investing plans? 

SHOW NOTES

You can find more about Mohneet and &together here:

https://and-together.co.uk/about-us/

Chapters

00:00 Introduction to Investment Strategies

02:57 Understanding Fund Management and Antogether

05:26 The Passive vs Active Investment Debate

11:02 Exploring Vanguard's Life Strategy Funds

16:28 Market Concentration and Its Implications

22:20 The Role of Fund Managers and Investment Selection

27:25 Navigating Investment Choices and Diversification

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!

Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠editors@mouthymoney.co.uk ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.