Mouthy Money: Building wealth with long term investing and saving strategies – Details, episodes & analysis

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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