Explorez tous les épisodes du podcast The Money To The Masses Podcast
| Titre | Date | Durée | |
|---|---|---|---|
| Money Vault - How to stop the 'Spending Spiral' | 04 Nov 2026 | 00:12:32 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this week's episode of The Money Vault, Damien and Andy revisit episode 395 from December 2022, where they discuss the Diderot effect, a psychological phenomenon that triggers a spiral of unnecessary overspending. They share real-life examples, from home renovations to garden furniture, before outlining the practical steps you can take to identify and combat the spending trap. 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: Follow Money to the Masses on social media: | |||
| Ep 568 - Winners and Losers of the 2026 Autumn Budget | 01 Nov 2026 | 00:30:42 | |
On this week's episode, we review the key announcements from the Autumn Budget and break down who the winners and losers are. To see the full details, check out our article 'Autumn Budget 2026 roundup – Key points at a glance'
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: You 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 show Links referred to in the podcast:
| |||
| Money Vault - How to get your mortgage approved | 28 Oct 2026 | 00:22:32 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this week's episode of The Money Vault, Damien revisits episode 494 from February 2025, where he shares tips to improve your chances of getting a mortgage. He also shares a crucial update on the current mortgage market as of October 2026, including a recent Bank of England rule change that gives lenders more flexibility to offer higher income multiples. 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:
Follow Money to the Masses on social media: | |||
| Money Vault - Work-life balance tips that can improve your finances | 21 Oct 2026 | 00:15:14 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien revisits episode 141 from August 2017 where he discusses the parallels between achieving a healthy work-life balance and developing a better relationship with money. He also provides a modern update, looking at how the landscape has changed with the rapid advancement of artificial intelligence and how it presents both challenges and opportunities for our productivity and spending habits. 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: Follow Money to the Masses on social media: | |||
| Ep 567 - Mortgage help if you’re struggling & using the Eisenhower Matrix | 18 Oct 2026 | 00:33:54 | |
On this week’s episode, Damien discusses the steps you can take if you are struggling with rising mortgage costs or are worried about future repayments. With fixed-rate deals increasing, he outlines the support available from lenders under the Mortgage Charter, explains how government schemes like Support for Mortgage Interest (SMI) operate, and highlightswhere to find free, independent debt advice if you get into financial difficulty. Damien also discusses the 'Money Matrix', his adaptation of the Eisenhower Matrix designed to help you organise and prioritise your money tasks.
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: You 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 show Links referred to in the podcast: | |||
| Money Vault - Two investment strategies for a falling market | 14 Oct 2026 | 00:11:44 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien revisits episode 364 from April 2022 where he discusses two distinct investment strategies for navigating a falling stock market: averaging down and pound cost averaging. Damien also examines the psychological pitfalls that can trap investors during a downturn, such as consistency bias, and the dangers of compounding losses by chasing falling share prices. 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: Follow Money to the Masses on social media: | |||
| Ep 566 - Damien’s best money insights & the most expensive home appliances to run | 11 Oct 2026 | 00:32:10 | |
On this week’s episode, Damien shares ten of his favourite money insights, which he has recently shared on Threads & X. Andy and Damien discuss the psychology behind their financial decisions, why spending isn't the same as wealth, and how small changes to the way you think about money can improve your finances. Finally, Damien and Andy reveal the 15 most expensive household electrical appliances to run, based on the latest energy price cap, including some surprising results that could help you cut your electricity bills.
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: You 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 show Links referred to in the podcast: | |||
| Money Vault - The six hats for better decision making | 07 Oct 2026 | 00:12:02 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien and Andy revisit episode 424 from July 2023 where Damien explains how you can make better financial decisions by focusing on the evaluation process rather than just the final outcome. Drawing on the famous "Six Thinking Hats" concept created by Edward de Bono, Damien explains how viewing a complex money problem from six distinct perspectives can help you reach a more balanced, informed conclusion. 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:
Follow Money to the Masses on social media: | |||
| Money Vault - How to make better money decisions | 30 Sep 2026 | 00:22:29 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien and Andy revisit a 2019 episode where Damien explains how to make better financial decisions by focusing on the process rather than the outcome. He explains the psychological concept of 'outcome bias' and how judging a decision solely by its result can lead to loss aversion and poor investment choices. Using clear examples, he shows why a robust, objective process is essential for long-term financial success, even amid short-term market uncertainty. 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: Follow Money to the Masses on social media: | |||
| Ep 565 - How to build a cash ladder & discovering your money script | 27 Sep 2026 | 00:34:16 | |
On this week’s episode, Damien takes Andy through a financial personality test to uncover his 'money script'. He discusses the four main types of money beliefs, how they influence your financial behaviour, and the practical steps you can take to manage them. Finally, he explains how current interest rate expectations make it the perfect time to build a cash savings ladder and how you can use the strategy to boost the interest you earn on your savings without locking all your money away long term. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - Warren Buffett investing lessons | 23 Sep 2026 | 00:18:27 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien revisits Episode 271 from 2020 where he takes a look at the investing lessons you can learn from Billionaire investor Warren Buffett. He also provides an update on Berkshire Hathaway's latest portfolio shifts, including its substantial holdings in Apple and Alphabet. It demonstrates how even the most successful investors must acknowledge mistakes, adapt to market changes, and trust a repeatable process to preserve and grow 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: Follow Money to the Masses on social media: | |||
| Ep 564 - The trading card boom & the new mortgage rate shock | 20 Sep 2026 | 00:45:49 | |
In this week's episode, Andy and Damien explore the world of sports and trading cards. They discuss the current boom, how it works, the money involved and the tax implications if you trade them. Andy also gives viewers a peek at his own collection. Finally, Damien explains how the market has raised the number of rate hikes it believes the Bank of England will make and the impact this is having on mortgage rates. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - New Pension & IHT rules explained | 16 Sep 2026 | 00:17:46 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, we revisit Episode 509 from June 2025 where we discussed the changes to how defined contribution pensions are treated for inheritance tax. Now that the Finance Act 2026 has confirmed the rules, I explore practical financial planning strategies to consider ahead of the 2027 implementation date, including why you should consider speaking to an independent financial adviser. 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: Follow Money to the Masses on social media: | |||
| Ep 563 - The optimum investment portfolio & the start of Project 60 | 13 Sep 2026 | 00:43:55 | |
In this week's episode, I reveal the optimum medium-risk investment portfolio according to Efficient Frontier analysis. I break down exactly which assets make the cut (and which don't), plus how this ideal mix has shifted over the last two years. Finally, I explain the theory and execution behind "Project 60"- my personal plan to travel the world at age 60. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - The link between money and sleep | 09 Sep 2026 | 00:09:39 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien explores the connection between your financial habits and your physical well-being. He discusses a ten-year study from Bristol University which reveals that saving even a small amount regularly can dramatically improve your sleep, reduce anxiety, and boost overall life satisfaction. Don't forget, you can still sponsor MTTM listener Ben here - Ben Molyneux (Alzheimer's Society) 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:
Follow Money to the Masses on social media: | |||
| Ep 562 - Why rising bond yields matter & are plug-in solar panels worth it | 06 Sep 2026 | 00:30:54 | |
In this week's episode, Damien explains why government bond yields are surging globally, why it matters to everyone and how it will impact your finances. Andy then discusses the legalisation of plug-in solar panels, the pros and cons and whether they are worth it. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - Why you need to build a black book | 02 Sep 2026 | 00:21:50 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, we combine two classic episodes to explain the concept of the "Black Book" - a vital document containing all your essential financial information for your partner or next of kin. We then welcome long-time listener Ben Molyneux, who shares his personal experience of creating a Black Book and the unexpected benefits it brought to his relationship. You can sponsor Ben here - Ben Molyneux (Alzheimer's Society) 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:
Follow Money to the Masses on social media: | |||
| Ep 561 - The pension transfer rush & the outlook for energy prices | 30 Aug 2026 | 00:34:18 | |
In this week's episode, Damien discusses why an increasing number of people are rushing to consolidate their pensions ahead of the April 2027 rule change, which will make unused pension pots liable to inheritance tax. He explains when this could be a bad idea and reveals how long each pension provider takes to transfer a pension, including who takes the longest. Finally, Damien and Andy discuss how the energy price cap hike that's coming in October could be dwarfed by an even bigger hike in January, and what you should do about it. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - Pension Transfer Tips | 26 Aug 2026 | 00:12:44 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, we revisit episode 505 from May 2025 where I provide some tips for those considering transferring and/or consolidating their pension pots. I summarise the key pros and cons of pension transfers, explain how in-specie transfers work, how to avoid common pension scams and when to seek independent financial advice. Check out our featured article: Best Pension Transfer Offers 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:
Follow Money to the Masses on social media: | |||
| Ep 560 - Should you still invest at all-time highs & how saving £5 could change your life | 23 Aug 2026 | 00:28:54 | |
In this week's episode, Damien explores whether investors should be fearful when stock markets reach all-time highs. He looks back at historical data and research to reveal what typically happens after markets hit a record high. Next, he discusses the psychological power of making small, seemingly insignificant changes to your finances and how it can dramatically transform your life. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - When 'good enough' is better than 'perfect' | 19 Aug 2026 | 00:14:22 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien revisits episode 303 from January 2021, which explores why a "good enough" financial plan is often better than a perfect one. Drawing on concepts from Morgan Housel’s book The Psychology of Money, Damien explores the vital difference between making strictly rational decisions and making reasonable ones that actually work for you in the real world. While the mathematics of personal finance might suggest one specific course of action, human emotions often dictate another. Damien explains how aiming for absolute financial perfection can sometimes lead to stress and failure, and we share practical examples where choosing the reasonable, emotionally comfortable path can significantly increase your chances of long-term success. 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: Follow Money to the Masses on social media: | |||
| Ep 559 - Beginner's guide to buying an Electric Vehicle | 16 Aug 2026 | 00:40:13 | |
In this week's episode, Justin discusses the financial realities of transitioning to an electric vehicle (EV). He covers the practicalities of buying a second-hand EV, addresses common concerns regarding battery health and explains the logistics and costs of charging an EV, both on the road and at home. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - Personal finance numbers everyone should know | 12 Aug 2026 | 00:15:47 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. This week, Damien takes a look back at episode 417, where he discusses the essential personal finance numbers that can help people maintain control over their financial well-being. From mortgage rates and emergency cash buffers to understanding your exact net pay and retirement targets, keeping track of these key figures can act as an emergency plan for 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. Resources:
Follow Money to the Masses on social media: | |||
| Ep 558 - 5 numbers to Retire Early & your Decade-by-Decade Money Audit | 09 Aug 2026 | 00:34:18 | |
In this week's episode, Damien reveals the money audits you should carry out during each decade of your life, from your 30s right through to your 70s. He then breaks down why the numbers 25, 70, 173, 2,000, and 100,000 serve as maths hacks to help you become financially independent and retire early. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 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: You 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 show Links referred to in the podcast:
| |||
| Money Vault - Good debt vs Bad debt | 05 Aug 2026 | 00:07:13 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. This week, Damien and Andy take a look back at episode 297 from November 2020. While borrowing money is often viewed negatively, taking on debt can sometimes be a sensible investment in your financial future. In this episode, Damien explains the difference between 'Good debt' and 'Bad debt'. 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: Follow Money to the Masses on social media: | |||
| Ep 557 - How to read investment markets & wildfire travel rights | 02 Aug 2026 | 00:42:01 | |
In this week's episode Damien discusses your legal rights if your holiday is impacted by the wildfires in Europe. He also explains when your travel insurance will and won't pay out. Finally, he reveals how to read and interpret global investment markets in seconds, by walking you through the key indices, currencies and stocks that he tracks each day. [AD] Thank you to our sponsor Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 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: You 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 show Links referred to in the podcast:
| |||
| Money Vault - How to get rich | 29 Jul 2026 | 00:14:44 | |
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien takes a look back at episode 319 from May 2021, exploring the fundamental principles of building wealth. He discusses the lessons we can learn from George S. Clason's classic 1926 book, The Richest Man in Babylon. He explains how the century-old parables translate to modern financial strategies, outlining actionable steps you can take to manage your money, clear debt, and secure 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. Resources:
Follow Money to the Masses on social media: | |||
| Ep 556 - The dangers of irregular investing & money-saving hacks with Britain's Coupon King | 26 Jul 2026 | 00:41:08 | |
In this week's episode, I analyse some recent research from JP Morgan Personal Investing and explain how inconsistent contributions can hurt your overall portfolio performance. Next, Andy and I chat with Jordon Cox, known to many as 'Britain's Coupon King', who shares some practical money-saving hacks and tips. [AD] Thank you to our sponsor Interactive Investor New 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - Best investing quotes from famous investors | 22 Jul 2026 | 00:22:27 | |
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, Damien and Andy take a look back at the most valuable investing quotes of all time. They explore the timeless wisdom of renowned investors, including George Soros, John Templeton, John Bogle, and Warren Buffett, explaining how their wise words could help you on your own investment journey. 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:
Follow Money to the Masses on social media: | |||
| Ep 555 - Building an ISA bridge for retirement & New Buy Now Pay Later rules | 19 Jul 2026 | 00:32:37 | |
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 Investor New 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - Private Healthcare - More affordable than you think? | 15 Jul 2026 | 00:19:19 | |
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: Follow Money to the Masses on social media: | |||
| Ep 554 - How to start investing & why now is the perfect time | 12 Jul 2026 | 00:30:46 | |
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 Investor New 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - The ultimate travel insurance checklist | 08 Jul 2026 | 00:17:52 | |
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:
Follow Money to the Masses on social media: | |||
| Ep 553 - 10 commandments of money & Practical tips for reducing insurance costs | 05 Jul 2026 | 00:33:27 | |
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 Investor New 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: You 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 show Links referred to in the podcast: | |||
| Money Vault - What are Money Market Funds? | 01 Jul 2026 | 00:15:20 | |
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:
Follow Money to the Masses on social media: | |||
| Ep 552 - How to invest at different life stages | 28 Jun 2026 | 00:38:28 | |
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: You 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 show Links referred to in the podcast: | |||
| Money Vault - How to build good money habits | 24 Jun 2026 | 00:27:00 | |
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" days 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:
Follow Money to the Masses on social media: | |||
| Ep 551 - How much to save for a comfortable retirement & mortgage splitting | 21 Jun 2026 | 00:23:44 | |
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: You 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 show Links referred to in the podcast: | |||
| Money Vault - Fund switch checklist | 17 Jun 2026 | 00:16:44 | |
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:
Follow Money to the Masses on social media: | |||
| Money Vault - Investor biases to avoid | 10 Jun 2026 | 00:18:39 | |
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:
Follow Money to the Masses on social media: | |||
| Ep 550 - Get 4% cashback on your current account & the best investing apps in the UK | 07 Jun 2026 | 00:27:53 | |
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: You 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 show Links referred to in the podcast: | |||
| Money Vault - Alternative to the 4% rule | 03 Jun 2026 | 00:18:13 | |
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:
Follow Money to the Masses on social media: | |||
| Ep 549 - The money insights you missed | 31 May 2026 | 00:25:58 | |
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: You 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 show Links referred to in the podcast: | |||
| Money Vault - The difference between the Poor and the Rich | 27 May 2026 | 00:50:36 | |
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:
Follow Money to the Masses on social media: | |||
| Ep 548 - Optimal pension portfolios & latest property market update | 24 May 2026 | 00:22:15 | |
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: You 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 show Links referred to in the podcast:
| |||
| Money Vault - Stocks ignore bond market warning | 20 May 2026 | 00:17:58 | |
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:
Follow Money to the Masses on social media: | |||
| Ep 547 - New forms of financial advice and mastering the energy cycle | 17 May 2026 | 00:31:57 | |
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: You 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 show Links referred to in the podcast:
| |||
| Money Vault - How to achieve financial independence | 13 May 2026 | 00:11:33 | |
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:
Follow Money to the Masses on social media: | |||
| Money Vault - 26 ways to boost your pension | 06 May 2026 | 00:21:47 | |
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:
Follow Money to the Masses on social media: | |||
| Ep 546 - 'Sell in May & go away' tested & Credit card traps to avoid | 03 May 2026 | 00:33:16 | |
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: You 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 show Links referred to in the podcast: | |||