Explore every episode of the podcast Mouthy Money: Building wealth with long term investing and saving strategies
| Title | Pub. Date | Duration | |
|---|---|---|---|
| Your End of Tax Year Checklist for 2027 | 09 nov. 2026 | 00:16:13 | |
Chancellor John Healey has scrapped the planned cut to the cash ISA allowance, so savers can still put £20,000 a year into an ISA tax-free. But from April 2027, tax on savings interest outside an ISA rises to 24%, 44% and 49%. The new tax year starts on 6 April 2027. Unused ISA allowance is lost, pensions start counting towards inheritance tax, and the oldest year of unclaimed pension tax relief runs out. Edmund Greaves sets out what the Budget means for your money and what to check before April. He explains the changes for savers, pension holders and landlords, from the 64% tax that can hit an inherited pension to the rise in property income tax. He also looks at what's new for first-time buyers, pensioners, side hustles and student loans. Check your ISA allowance on GOV.UK: https://www.gov.uk/individual-savings-accounts The full checklist, with every deadline, is on the Mouthy Money Substack: https://mouthymoney.substack.com/ 00:00 What You Need to Know Before the New Tax Year 01:17 ISA Allowances and Savings Tax Changes 03:36 Pension Inheritance Tax Changes 05:36 How to Claim Higher-Rate Pension Tax Relief 07:46 Frozen Income Tax Thresholds 08:21 New Tax Rules for Landlords 09:15 Capital Gains and Dividend Allowances 10:12 Lifetime ISA Changes for First-Time Buyers 11:13 The New First Home Scheme 12:57 Changes for Pensioners 13:56 Side Hustles, Student Loans and Other Tax Changes 14:57 Your End-of-Tax-Year Checklist | |||
| HMRC Owes You Money: Claim Your Higher Rate Pension Tax Relief Now | 02 nov. 2026 | 00:15:42 | |
Higher-rate taxpayers left between £450 million and £1.3 billion of pension tax relief unclaimed in 2023-24, according to figures HMRC gave the pensions consultancy LCP. If your pension comes out of your pay after tax, your provider adds 20% tax relief automatically. If you pay 40% tax, the other 20% has to be claimed from HMRC yourself, and HMRC won’t pay it unless you ask. Edmund Greaves checks LCP’s figures and works out what’s owed at seven salaries, from £55,000 to £150,000. He explains the payslip test that shows which kind of pension you have, the quick “divide by four” rule and why the claim is worth more in Scotland, for parents and for anyone earning over £100,000. He also sets out how he claimed his own relief back, why you never need a claims company and why the oldest year you can claim for runs out on 5 April 2027. Claim tax relief on pension contributions on GOV.UK: https://www.gov.uk/tax-on-your-private-pension/pension-tax-relief The full breakdown, with every salary band, is on the Mouthy Money Substack: https://mouthymoney.substack.com/ 00:00 Are You Missing Pension Tax Relief? 01:45 How Pension Tax Relief Works 04:11 Why HMRC Doesn't Pay Automatically 06:02 How Much Tax Relief Goes Unclaimed? 08:23 How to Calculate What You're Owed 10:13 Pension Tax Relief by Salary 11:13 How to Claim Your Money Back 13:16 Claim Deadlines and Common Mistakes 13:47 Why the Pension Tax Relief System Needs Reform | |||
| UK Tax System Explained: Where £1.36 Trillion Goes | 26 oct. 2026 | 00:16:17 | |
The UK government spent £130 billion on debt interest last year, according to the Treasury. That’s more than defence and the police, courts, prisons and fire service put together. Every year HMRC sends you an annual tax summary showing where your income tax and National Insurance went. Debt interest sits fourth on the list, but it buys nothing new. It only pays for borrowing that has already happened. Ahead of the budget on 28 October, Edmund Greaves goes through the Treasury’s spending accounts and rebuilds the tax summary at six salaries, from £25,000 to £150,000. He explains how much of your tax goes on pensions, health and debt interest in pounds, and what the summary leaves out, including VAT, employer National Insurance and borrowing. He also sets out what he’d look at before budget day, from frozen thresholds to the £100,000 personal allowance trap. Find your annual tax summary on GOV.UK: https://www.gov.uk/annual-tax-summary The full breakdown, with every salary band, is on the Mouthy Money Substack: https://mouthymoney.substack.com/ 00:00 Where Does Your Tax Money Go? 01:35 How the UK Government Spends Your Taxes 04:35 The Hidden Cost of National Debt 06:41 Breaking Down Taxes by Salary 09:01 What Your Tax Summary Leaves Out 10:10 How Much Tax You Pay at Different Salaries 12:24 What to Check Before the Budget 13:38 Why Government Spending Is Hard to Cut | |||
| Why we swapped holidays abroad for a camper van | 21 oct. 2026 | 00:25:27 | |
Ed and his family spent the best part of £6,000 to £7,000 on two holidays abroad this year. Their old VW Polo then needed £700 for a service and about £1,000 more in repairs, which is more than the car is worth. The loan on their other car was ending at the same time, freeing up £300 a month. Ed explains how the family weighed those three pressures and decided on a converted VW Transporter camper van. Chris Tuite puts the money questions to him. They cover diesel at close to £2 a litre, insurance at £33 a month and a £400-a-month loan in place of PCP. Ed also explains how he checked a used van's MOT history before buying, and how the van doubles as somewhere to sleep after late trains home from London. 00:00 The big decision | |||
| How to find your lost Child Trust Fund, with HMRC's Ged Killen | 15 oct. 2026 | 00:15:35 | |
Around 827,000 young adults in the UK have a Child Trust Fund they have never claimed. The average unclaimed pot is worth £2,310, according to HMRC. The government opened one of these accounts for every child born between 1 September 2002 and 2 January 2011. Each started with at least £250, and many families never knew where the money went. Edmund Greaves speaks to Ged Killen of HMRC about how to track down a lost account. He explains what details you need, how long the search takes and what your options are once the account matures at 18. He also says why you should never pay a tracing agent, or hand over your bank details, to find it. Search "Find a Child Trust Fund" on GOV.UK: https://www.gov.uk/child-trust-funds The full breakdown is on the Mouthy Money Substack: https://mouthymoney.substack.com/ | |||
| Time's up for the triple lock? What we learned from Labour conference | 07 oct. 2026 | 00:23:34 | |
Andy Burnham has announced the end of the pensions triple lock, but the change doesn't start until 2030 and your state pension still rises in full next April. Edmund Greaves and Chris Tuite unpack the three big money announcements from Labour's conference. These are the new state pension formula, the Your First Home scheme for first-time buyers and new council powers over empty homes. They finish with the changes already locked in for April 2027, covering the state pension, cash ISAs and inheritance tax on pensions. 0:00 Intro This episode is for information only and is not financial advice. | |||
| The hidden pay rise in your workplace pension, with Which?'s Paul Davies | 16 sept. 2026 | 00:24:03 | |
Nearly half of people paying into a workplace pension can't say how much their employer puts in, and one in five don't know whether their employer would pay more if they did. Paul Davies, pensions expert at Which?, joins Edmund Greaves and Chris Tuite to work through new Which? research: what the law says your employer must pay, why the percentages are not taken from your whole salary, how matching works and what to check on your own payslip this week. Edmund and Chris test themselves on air first. The episode also covers how often the legal minimum is all an employer pays, how public sector schemes differ and what the Pensions Commission could change when it reports. Paul's Which? guide to public sector pensions: https://www.which.co.uk/money/pensions-and-retirement/saving-for-retirement/what-is-a-public-sector-pension-aobOd3f81QK1 Our earlier episode on the £100,000 pension tipping point: https://youtu.be/bjEh2c-4R9I Get the Mouthy Money newsletter: https://mouthymoney.substack.com Research: Deltapoll surveyed 1,294 UK working adults for Which? between 14 and 17 August 2026. General information rather than financial advice. Pension values can fall as well as rise. | |||
| Pension Salary Sacrifice Changes Explained | 09 sept. 2026 | 00:21:44 | |
From 6 April 2029 the government will cap the National Insurance saving on salary sacrifice pension contributions. The first £2,000 a year stays free of National Insurance, and everything above that will be taxed like ordinary pay. The CIPP puts 3.3 million workers in scope. Edmund Greaves and Chris Tuite explain what salary sacrifice is, why middle earners gain more from it than high earners do, and what the cap actually changes. National Insurance falls from 8% to 2% above the higher-rate threshold, which is why someone earning £28,000 saves proportionally more than someone on £80,000. They also work through the drawbacks of carrying a lower gross salary, from mortgage affordability and maternity pay to income protection and redundancy, and answer whether any of it affects your state pension. Nothing changes until April 2029. Check your payslip to find out whether you are already on salary sacrifice, and talk to HR or payroll if you are not sure. Chapters 00:00 The perk in your payslip that's about to be taxed 00:48 What we cover in this episode 01:28 The law has already passed 02:33 Why the £100,000 threshold matters so much 04:24 Fiscal drag is pulling more people in 05:26 How salary sacrifice actually works 07:02 Why the highest earners gain the least 08:06 The numbers at £28,000, £50,000 and £80,000 10:14 The catches: mortgages, maternity pay and cover 14:08 What changes in April 2029 15:19 The cliff edges at £60,000 and £100,000 17:15 What to do before 2029 19:44 Chris's verdict and the name problem 20:56 Over to you | |||
| Why do some people not trust pensions? | 02 sept. 2026 | 00:22:39 | |
Sean Standerwick is a chartered financial planner, and a fair part of his job is talking people out of distrusting their own pension. This episode is what he tells them. You come away with a number to measure your own pot against. The Retirement Living Standards put a single person's minimum retirement at £13,900 a year, a moderate one at £32,700 and a comfortable one at £45,400, against a full state pension of £12,547.60. You also get the tax case in three parts — relief going in, no tax while the money is invested, and 25% available tax free on the way out — along with the three routes to paying in: salary sacrifice through work, your own limited company, or personally. The second half is the more useful part if you are the sceptic yourself. Sean argues that people seldom object to the pension itself and mostly resist being sold to, and he works through two clients who talked themselves round once the conversation changed shape. Figures are current for the 2026/27 tax year. This episode is information rather than financial advice. | |||
| You Opened a Stocks & Shares ISA — Now What? | 25 août 2026 | 00:25:33 | |
From April 2027 the cash ISA allowance for under-65s drops from £20,000 to £12,000. The overall allowance doesn't move, so £8,000 a year has to go somewhere that isn't cash. For a lot of people that turns investing from a someday decision into a this-year one. Edmund Greaves is joined by Andy Prosser, Head of Investments at the ETF platform InvestEngine, on how to pick what you invest in — time horizon, risk tolerance, the difference between an ETF and a traditional fund — and on what InvestEngine's own investors have been buying this year. Ed also explains what he got wrong when he started. InvestEngine investing data: https://blog.investengine.com/most-bought-etfs-july-2026/https://blog.investengine.com/most-popular-etfs-uk-2026/ Nothing here is financial advice. Investing involves risk and you can lose money. ISA and tax rules can change. | |||
| Investing Stakes: The AI sell off has wiped out Ed's gains | 13 août 2026 | 00:28:24 | |
AI stocks retreated through July, and Ed’s portfolio went with them. Chris Tuite's didn't. So does Ed scrap his strategy and copy Chris T’s? That question sits at the centre of this month's Investing Stakes, in partnership with Stratiphy. 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=INVESTINGSTAKESDisclosure: This is a referral link. We may receive a benefit if you sign up using it. Ed’s tech-heavy Black Elephant strategy peaked in June and has handed back a chunk of it since, with Corning alone falling close to half its value and accounting for roughly half the decline. Chris kept out of the direct AI names and has carried on climbing. He is now behind every strategy and benchmark we track. Chris Ling, Chief Investment Officer at Stratiphy, walks through why AI stocks pulled back, why the drawdown stayed concentrated in that corner of the market, and what happens to your returns when you abandon a strategy mid-run to chase whoever led last month. We put six months of our own numbers into a matrix and follow what would have happened to an investor who switched into the winner every time. The answer is not flattering. We also cover the difference between our two quantitative models, why a faster-trading strategy is not the same thing as a more volatile one, and the case for doing nothing when the market goes against you. Chapters and full data tables are on the Substack, where we publish the monthly performance figures in more detail.👉 Stratiphy: https://www.stratiphy.io/referrals?code=INVESTINGSTAKES 👉 Substack: https://mouthymoney.substack.com👉 Subscribe for a new episode every monthYour capital is at risk. Past performance does not guarantee future returns. Nothing here is personal financial advice. | |||
| Why a pensions might be better than a Junior ISA for your kids | 11 août 2026 | 00:23:35 | |
Ed pays £50 a month into a junior ISA for each of his sons. At 18 it's legally theirs, and he can't do a thing about it. So what happens if he uses a pension instead? Full description Every month he puts £50 into a junior ISA for each of his two sons. On their eighteenth birthdays that money becomes theirs outright — no conditions, no drip-feed, no veto. So Ed modelled the alternative: the same £50 a month into a junior SIPP, a self-invested personal pension. Children get 20% tax relief despite paying no tax, which means £50 goes in as £62.50. Over a lifetime, that relief alone is worth £82,000. The catch is that they can't touch it until 57 at the earliest, and probably 60 by the time his sons get there. Chris and Ed work through the whole model — the tax relief, the charges, the inflation problem — and argue about whether an 18-year-old can be trusted with the money at all. We both end up somewhere we didn't expect. The numbers, at 8% growth and 0.5% annual charges: £10,200 paid in over 17 years becomes £19,930 in a junior ISA at 18, or £24,912 in a junior SIPP. Left alone to 60, that SIPP reaches £511,675. Restart contributions at 22 and it reaches £661,264, against £529,012 for the ISA. Raise charges to 1.2% and £181,915 disappears. Double the contribution to £100 a month and the pot hits £1,322,529 — which 3% inflation reduces to £231,211 in today's money. (00:00) I think I've been doing this wrong(01:12) The junior ISA as it stands(02:32) Chris makes the case for the ISA(05:02) Would an 18-year-old actually blow it?(06:31) The tax relief is worth £82,000(07:20) Junior ISA against junior SIPP at 18(09:01) What happens if they restart at 22(09:40) When can they actually access a pension?(10:30) What charges do to all of this(13:00) Only 23% of UK workers are on track for a moderate retirement(15:43) What £100 a month becomes(17:36) The inflation problem nobody talks about(20:00) Tax on the way out(20:49) What Chris is doing(21:23) What I've decided to do Full tables and charts, at both contribution levels and both charge scenarios, in cash and in today's money: [Substack link] Retirement Living Standards figures from Pensions UK, 2026 update, calculated by the Centre for Research in Social Policy at Loughborough University. Neither of us is a financial adviser and none of this is financial advice. All projections are illustrations based on stated assumptions, not forecasts. Investment returns are not guaranteed and tax rules change. | |||
| £50,000 or a £1 Million Coin Flip? | 04 août 2026 | 00:23:00 | |
£50,000 guaranteed, or a 50/50 coin flip for £1 million? YouGov asked 4,600 British adults, and 73% took the safe money. That result set off a fair bit of argument — including between the two of us. Ed and Chris go through what the poll actually found, why the gender and age splits are the most revealing part of it, and how each of us thinks about risk with our own money. Then we both commit to an answer, and we don't land in the same place. Along the way: why the coin flip is worth ten times the guaranteed option on paper, whether Americans really are less risk-averse than Brits, what £50,000 would actually buy you, and the question neither of us had thought to ask until the end. Chapters So what's your answer? Guaranteed cash or a shot at life-changing money — and what's the number that would make you flip? Tell us in the comments; we read and reply to all of them. New episodes weekly. Subscribe so you don't miss one. Everything here is general information about money, not personal financial advice. If you're making a decision about your own finances, speak to a regulated adviser. | |||
| Overpay the Mortgage or Max the Pension? The £600k Decision | 21 juil. 2026 | 00:22:07 | |
£500 a month has just freed up. Do you kill the mortgage — or supercharge the pension? When childcare costs drop, most households would love the problem Chris is facing: a few hundred pounds a month to redirect, and one big decision to make. Overpay the mortgage and be debt-free years early, or pour it into the pension and let compounding do the work? So Ed and Chris ran the real numbers on Chris's own finances — a £453k mortgage on a 29-year term, 27 years to retirement — and modelled both paths. The gap is bigger than you'd think: roughly £750k in the pension one way, around £1.3m the other. But as they get into tax relief, the spread between market returns and mortgage rates, what each route means for retirement income, and a smart way to clear the mortgage with tax-free cash, it becomes clear the spreadsheet answer isn't always the one you'd choose. In this episode: - How £500 a month becomes a six-figure difference over 27 years - Why a guaranteed 4.5% saved isn't the same as a hoped-for 7% earned - Where both options land against the "comfortable retirement" benchmark - Using your 25% tax-free lump sum to clear the mortgage — and the trap of doing it the wrong way - Why pensions and property are now taxed very differently when you pass them on Team mortgage or team pension? We'd love to hear how you'd play it. We don't give financial advice — we're talking through our own situations. Everything here rests on assumptions that will change, so if you're weighing this up yourself, speak to an FCA-regulated financial adviser. (0:00) The £500 question (1:39) Chris's 29-year mortgage problem (2:27) The reveal: £750k vs £1.3m (4:42) Why the real number could be higher (6:54) Shorting inflation & the 2.5% spread (8:48) Clearing the mortgage a decade early (9:30) What it means in retirement (11:09) Finishing the mortgage with tax-free cash (12:18) The inheritance tax trap: home vs pension (15:27) A two-pronged plan (17:39) The discipline problem (18:51) Inflation, rates & staying ahead (20:51) So, what did Chris decide? The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week.🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews📲 TikTok: https://www.tiktok.com/@mouthy.money📸 Instagram: https://www.instagram.com/mouthymoney/✍️ Substack: https://mouthymoney.substack.com/📩 Get in touch: editors@mouthymoney.co.ukListen anywhere:Spotify: https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4uApple: https://podcasts.apple.com/gb/podcast/mouthy-money/id1712308475Full disclaimer: Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate. | |||
| Investing Stakes: The AI Stock Nobody Talks About (But Everyone Depends On) | 10 juil. 2026 | 00:25:17 | |
Every month, Ed and Chris put real money into their own strategies, run them live on Stratiphy and compare results with an expert on hand to explain the damage. 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. This episode: Alphabet is in everyone's portfolio, but is there a smarter way to back the same story? Enter Corning — the 1851 glassmaker quietly building the fibre optics that AI data centres can't run without. Plus, Ed's portfolio flashes its first sell signal, and the gap between the two strategies starts to open up. Picks and shovels, bubble talk, and a lesson in why one day's performance tells you nothing. ⏱️ Chapters 00:00 Intro 00:48 Stratify update: concentration limits and rebalancing 02:42 Why Alphabet is in every portfolio — except Chris T's 03:57 The tech-sceptic case: waiting for the correction 06:01 Is Alphabet diversified enough to survive? 08:15 The fundamental view: valuations, CapEx and the cloud backlog 11:53 Corning: the picks-and-shovels alternative 14:12 Why a monopoly on the infrastructure beats picking winners 16:37 The strategies: scores on the doors 18:01 What's driving the gap — and the risk-adjusted picture 20:16 Ed's first sell signal 22:04 The one-day drop that means nothing 23:26 Final thoughts Capital at risk. This episode was made in partnership with Stratiphy. The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk Listen anywhere: Spotify: https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u Apple: https://podcasts.apple.com/gb/podcast/mouthy-money/id1712308475 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. Full disclaimer: Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate. | |||
| How Much Cash Should You Actually Keep? | 07 juil. 2026 | 00:17:36 | |
Somewhere in Britain, someone has £40,000 in a savings account and can't tell you why. It crept up a pound at a time, each one buying a little more peace of mind. And most of it is now going backwards. We're taught that saving is the safe choice. But past a point, cash stops protecting you and starts costing you — and almost nobody can tell you where that point sits. This week, Ed and Chris Tuite work out how much cash you should actually keep. Three things that move your number: how safe your job is, what fallback options you have, and how well you sleep at night. Then the part most people skip — what to do once you hit your number, why you flip your saving ratio, and the £19,000 difference it makes over 20 years. Got a rainy day fund? Tell us your number in the comments. The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, weekly): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money.news 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk 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. Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate. | |||
| Five Money Budgeting Hacks to Make Every Pound Work Harder | 29 juin 2026 | 00:25:12 | |
Most of us treat our monthly budget like a fixed thing: money comes in, bills go out, and whatever's left is what's left. But that's rarely the whole story. In this episode, Edmund and Chris dig into how to sweat every pound in your budget — the five rules they actually use themselves, where they're getting it right, and where they're (cheerfully) getting it wrong. No "skip your morning coffee" clichés. Just honest, practical budgeting from two people who track this stuff to the penny — including the real numbers from Chris's own household and the framework Ed has used for a decade. What we cover: -Why you should always pay yourself first -The 50/20/30 rule — and when to ignore it -How to split bills fairly when you and your partner earn different amounts -Working out your "why" before you worry about the how -Good debt vs bad debt, and how to dig your way out The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe on YouTube: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk 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. Full disclaimer: Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate. | |||
| How Chris secured a lower rate on his mortgage - and what his plan to do next is | 22 juin 2026 | 00:20:06 | |
*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._ | |||
| £100k Pension Tipping Point: What Happens Now? | 16 juin 2026 | 00:18:54 | |
Chris has just passed £100,000 in his pensions — the "tipping point" where, in theory, your investment growth starts doing more work than your own contributions. In our last episode we explained what the tipping point is. This time it's personal: Chris has hit it, and the question is what comes next. Ed and Chris talk through the three big questions that follow the milestone. How did Chris get here, and what role did discipline, regular contributing and employer matching play? What should his portfolio look like now — and why is he rebalancing away from a heavy UK "home bias" toward a more global spread? And the one that quietly matters more as your pot grows: charges. Once you're into six figures, even a small percentage fee starts costing real money, and Chris walks through why drifting from a low blended cost to a higher one could cost him a six-figure sum over 25 years. Along the way: Charlie Munger's "first £100k is the hardest" idea, the rule of thumb that a pot can double every decade, why a million pounds in 25 years won't be worth a million in today's money, and when it's worth looking at a fixed-fee platform instead of a percentage-based one. ⚠️ We're not financial advisers and this isn't financial advice. Everything here is illustrative — we're sharing how we think about our own situations. Figures and projections are assumptions, and past performance is no guide to the future. Do your own research or consider speaking to a regulated adviser before making decisions. If you've got your own tipping point in mind — whether you're miles off it or already past it — tell us in the comments. We also collect listener questions to put to experts in the field, so drop yours below. 👍 Like and subscribe for new episodes every week. 🎙️ Weekly podcast on Spotify, Apple & Amazon ✍️ In-depth writing at mouthymoney.substack.com *MOUTHY MONEY* *Our substack* https://mouthymoney.substack.co.uk *Get in touch* editors@mouthymoney.co.uk
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. | |||
| Investing Stakes: Is the AI bubble ready to burst? | 09 juin 2026 | 00:25:12 | |
Anthropic — the company behind Claude — has filed confidentially for an IPO, with OpenAI and SpaceX circling public markets too. The valuations are staggering. But when expectations run this high, the debut itself becomes a test: is this a once-in-a-generation boom, or are the warning signs already flashing? 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. In this episode of Investing Stakes, Edmund Greaves is joined by Chris Ling, Chief Investment Officer at Stratiphy, and Chris Tuite of MRM, to dig into what the Anthropic listing means for ordinary investors. We ask whether AI stocks are overvalued, why huge CapEx spending isn't yet matched by revenue, and what the recent pullback from firms like Uber, Duolingo and Microsoft tells us about the road ahead. We also look at the "picks and shovels" approach — backing the infrastructure around AI rather than betting the house on a single stock — and check in on how our own Stratiphy portfolios are performing. Catch earlier episodes in the Investing Stakes series 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. Chapters 0:00 The AI IPO race: Anthropic, OpenAI, SpaceX 1:50 What is Stratiphy? 3:25 Why Anthropic is going public 4:55 Does the AI trade ring alarm bells? 6:05 The bubble case: when CapEx outruns revenue 9:55 How index funds force you into AI stocks 10:50 Can you stay cautious without sitting it out? 13:40 The semiconductor surge and calling the top 15:55 Portfolio check-in: how the strategies are doing 17:40 Picks and shovels: investing around AI 21:45 Is the hype being manufactured for the IPOs? 24:05 Wrap-up 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. 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. | |||
| Who owns Britain's £2.9 trillion national debt? | 02 juin 2026 | 00:26:08 | |
Politicians keep saying they don't want to be "in hock to the bond market" — but what does that actually mean, and who is the bond market anyway? In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite (MRM) pull back the curtain on UK gilts: what government bonds are, how they work, who really owns Britain's £2.9 trillion national debt, and why all of it matters for normal people saving for the long term. Ed and Chris break down how gilts function, why yields rise and fall, and how the bond market can quietly "discipline" an elected government's spending plans — the heart of the left-wing complaint about being beholden to faceless investors. But as they discover, the bond market isn't a shadowy cabal of top-hatted financiers. A huge chunk of it is pension funds, insurers and ordinary savers — quite possibly including you. They also dig into why this isn't abstract: gilt yields set the "risk-free rate" that prices everything from mortgages and annuities to savings rates and the value of the stock market. The 2022 mini-budget showed exactly how political choices ripple straight into your finances. 📊 KEY STATS COVERED: - UK national debt: ~£2.91 trillion (about 94% of GDP — highest since the 1960s) - Annual government borrowing: ~£132 billion - Overseas investors hold ~32% of UK gilts - The Bank of England holds roughly 19–24% - Banks & financial institutions hold ~23% - UK pension funds & insurers hold ~21% — and own nearly half the index-linked gilt market - Less than 1% of gilts are held directly by households 💬 What do you think — is the bond market a healthy check on government spending, or an undemocratic constraint? Let us know in the comments. We try to reply to everyone. 👍 Like, subscribe and hit the bell for weekly personal finance that puts the personal back into your money. 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. | |||
| What The UK’s Inflation Figures Aren’t Telling You | 25 mai 2026 | 00:18:58 | |
Inflation is falling in the UK, at least, according to the official numbers. But for a lot of people, the cost of living still feels painfully high. Petrol prices are rising again, energy bills could jump later this year, and households are still feeling the aftershocks of the inflation spike that followed the Ukraine war.In this episode of the Mouthy Money Podcast, Ed and Chris dig into the latest UK inflation figures and ask why the story feels so disconnected from everyday life. They look at energy prices, fuel duty cuts, VAT changes and the government’s latest cost of living measures, along with the role the Bank of England plays in controlling inflation and interest rates.The conversation also explores what higher inflation means for mortgages, savings accounts, investing and long-term financial planning. Are markets really prepared for another inflation shock? Could government support measures make things worse again? And why do inflation statistics often feel so different from people’s real-world experience? 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. | |||
| Fix or Tracker: Surviving the UK Mortgage Madness | 18 mai 2026 | 00:21:05 | |
Are you staring down the barrel of a remortgage? You aren't alone. In this episode, Ed and Chris tackle the ultimate UK homeowner’s dilemma: do you lock in the safety of a fixed-rate mortgage, or roll the dice on a tracker in a completely unpredictable market? With his own remortgage deadline looming, Chris pulls back the curtain on his options, the maths behind his strict new household budget, and the agonising psychological battle of trying to time the market. Meanwhile, Ed delivers some hard truths on why waiting to “get lucky” with interest rates is a dangerous game to play. The guys also break down exactly how global tensions, inflation expectations and looming UK political chaos are feeding directly into swap rates and what that means for your monthly repayments. In this episode, we cover:
04:09 – Rolling the Dice: The Gamble of the Tracker 05:47 – Ed’s Take: Why Certainty Wins 08:28 – The Hidden Factor: UK Political Uncertainty 10:42 – The Psychology of Debt & Chasing "Luck" 13:36 – Forcing Your Own Fortune: The LTV Strategy 16:15 – The Budget Bulletproof Test: Protecting the Rainy Day Fund 18:33 – The Power of Overpaying & Overcoming Behavioral Anchoring 21:09 – Outro: Let Us Know Your Strategy *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. | |||
| Is Your Summer Holiday Costing You £500,000? | 11 mai 2026 | 00:20:10 | |
In this episode of Mouthy Money, Ed is joined by Sahar Nazir to tackle the ultimate financial dilemma: should you spend your hard-earned cash on an annual holiday, or invest it for your future? With the average Brit planning to drop over £5,500 on holidays this year, we break down the staggering maths of compounding interest. Could that week in the sun actually be stealing half a million pounds from your retirement? We share our biggest vacation spending regrets (including missed flights across the Andes!), debate the "buy it twice" luxury rule, and reveal our top strategies for balancing immediate gratification with long-term wealth building. Whether you're a hardcore saver or a massive spender, this episode is packed with hacks to help you pay yourself first, travel without guilt, and rethink your out-of-office plans. Don't forget to let us know in the comments: Are holidays an essential part of your year, or a luxury you’re willing to sacrifice for financial freedom? 00:00:00 – Intro: The £500,000 Holiday Dilemma 00:01:30 – Welcome Sahar & The £5.5k Holiday Stat 00:02:40 – Ed's Expensive £2,500 Crete Getaway 00:03:40 – Sahar’s Japan Trip & The Weak Yen Hack 00:05:10 – Ed's Worst Holiday Mistake (Stranded in Chile!) 00:07:20 – The Hidden Cost of £5k+ Annual Holidays 00:09:10 – The Math: Turning Holiday Budgets into £519,000 00:10:40 – The "Buy It Twice" Luxury Rule 00:12:30 – Spender vs. Saver Mindsets & Money Regrets 00:14:40 – Striking a Balance: Cheaper Trips & Camping 00:16:30 – Holiday Sinking Funds & Bank Card Mistakes 00:18:10 – The Ultimate Money Hack: Pay Yourself First 00:19:20 – Final Thoughts & Community Question *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. | |||
| Investing Stakes: Why the Stock Market Keeps Rising Despite Global Chaos | 06 mai 2026 | 00:23:54 | |
The stock market just keeps going up, but with ongoing global uncertainty and volatility, why? In this episode of Investing Stakes, in partnership with Stratiphy, Ed, Chris T, and Chief Investment Officer Chris Ling. consider the psychology of market reversals and why earnings are currently outshining geopolitical tensions. 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. We also reveal a massive update from Stratiphy: the launch of the UK’s first IF ISA for Crypto ETNs alongside 21Shares! Plus, it is time for a portfolio review. We compare our Stratiphy strategies: Ed’s tech-heavy "Black Elephant" vs. Chris T's infrastructure-focused "Beige Fox" and debate the big question: Is the AI infrastructure cycle an overvalued bubble, or the ultimate productivity booster? Catch episodes one and two here to see how we got started with our £500 portfolios: https://www.youtube.com/playlist?list=PLtc6AcTXUfDxsP1ayPKR_abBFtYzb2Ax8 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. 00:00 - Intro: Why is the Stock Market Defying Gravity? 01:35 - Stratiphy Update: UK's First IF ISA for Crypto ETNs 03:40 - Why Markets Ignore Geopolitical Uncertainty 06:15 - The Psychology of Market Reversals & Downturns 08:50 - Portfolio Reveal: Ed vs. Chris vs. Stratiphy 10:30 - Momentum Trading vs. Long-Term Trends 13:00 - The AI Debate: Overvalued Bubble or Future Growth? 16:20 - Future Outlook & Final Thoughts 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. 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. | |||
| Exposing Your Savings to the Wrong Risks | 04 mai 2026 | 00:18:28 | |
Are you exposing your money to the wrong kind of risk without even realising it? Everywhere you look online, people are talking about the power of investing—even the government has launched a "savvy squirrel" campaign to encourage it. But what happens when you skip step one? In this episode of Mouthy Money, we dive into a brand-new report from Leeds Building Society that reveals a massive blind spot in how we manage our money. Nearly a quarter of us are either leaving our rainy-day funds exposed to sudden stock market drops, or letting inflation quietly eat away at our future wealth in cash traps. Join us alongside Catherine Wray (Head of Saving at Leeds Building Society) and Chris Tuite (Head of Consumer Finance at MRM Communications) as we discuss the critical importance of building a rock-solid savings buffer before you even think about investing. We cover how much you actually need, the emotional peace of mind an emergency fund brings in an era of "perma-crisis," and how to stop inflation from eroding your hard-earned cash. If you want to protect your money today so it can grow tomorrow, you don't want to miss this! Let us know in the comments: How big is your cash savings buffer? Chapters 00:00 – Intro: Are you taking the wrong financial risks? 00:20 – The Leeds Building Society report: A huge blind spot in UK savings. 01:10 – Guest Intros: Catherine Wray (Leeds Building Society) & Chris Tuite (MRM). 02:30 – The Mismatch: Why we confuse short-term needs with long-term goals. 03:40 – Market Corrections: Why 68% of people are scared to invest. 04:10 – Is Cash a "Trap"? The emotional return on investment (peace of mind). 05:00 – The Competence Gap: Why we get basic financial questions wrong. 05:25 – The "Savvy Squirrel": Criticisms of the government’s investing campaign. 06:05 – Chris’s Strategy: Managing money in an era of "perma-crisis." 07:35 – The Cost of Comfort: How a large buffer impacts long-term pension growth. 08:50 – Why the Boiler Always Breaks: The reality of emergency expenses. 09:45 – Rules of Thumb: The 3-to-6 month savings target. 11:10 – Stop "Languishing": Why your current account is losing you money. 12:45 – Gamifying Savings: Using regular savers to build momentum. 14:15 – Strategy: Utilizing Cash ISAs and fixed-rate bonds. 14:50 – Important Update: Changes to the Cash ISA limit coming in April. 16:30 – Defining the Goal: House deposits, pensions, and long-term plans. 17:30 – Wrap-up: How do you set your savings level? 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. | |||
| How to Bulletproof Your Finances for the Perma-Crisis | 27 avr. 2026 | 00:22:33 | |
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. Are you exhausted by the "Perma-Crisis"? Here is how to fight back. Does it feel like we are living in a constant state of emergency? From supply chain meltdowns and crazy inflation to global instability and the rising threat of AI taking jobs, it's easy to feel completely powerless when it comes to your money. It feels like you're running on a financial treadmill just to stay in the same place. But you are not powerless. In this episode, Edmund Greaves is joined by Chris Tuite (Head of Consumer Finance at MRM) to break down the reality of the "perma-crisis" and share the exact, actionable strategies you can use to shield your bank account from the chaos. We discuss the realities of lifestyle deflation, navigating the upcoming mortgage shock, and why long-term investing might be your best defense against short-term anxiety.
Check out Paul Thomas’s mortgage market blog on our Substack here: https://mouthymoney.substack.com/p/the-mortgage-market-faces-profound
👇 We want to hear from you! How are you preparing your finances for the current economic climate? Do you have any coping strategies or concerns? Let us know in the comments below—we read and respond to as many as we can! Don't forget to LIKE and SUBSCRIBE for more honest conversations about your money. 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 End of the "Dinner Party Landlord" | Property Investing 2026 | 16 avr. 2026 | 00:25:47 | |
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. Has the golden era of the UK buy-to-let market come to an end? The headlines might say yes, but the reality is much more complex. In this episode of the Mouthy Money podcast, Edmund and Chris sit down with Louisa Sedgewick, Managing Director of Mortgages at Paragon Bank. With 30 years of industry experience, Louisa reveals exactly how the property market is evolving in 2026. We break down the death of the "dinner party landlord," why the rules of property investment have completely changed, and where the smart money is moving right now. In this video, we cover:
Whether you're a seasoned investor, an "accidental" landlord, or just looking to understand the UK housing market, this episode is packed with essential insights. Chapters 00:00 Buy To Let Is Evolving 00:33 Sponsor Message Coinbase 01:20 Meet The Hosts 01:23 What Is Buy To Let 02:30 Louisa And Paragon Bank 04:12 End Of Dinner Party Landlord 06:28 Tax And Regulation Shifts 08:51 Professionalising Landlords 11:22 Should You Become A Landlord 14:25 Where New Landlords Buy 17:29 HMOs And Student Lets 20:13 Future Rules EPC And More 22:44 Avoid Get Rich Quick Hype 24:11 Using Brokers And Tax Advice 25:08 Final Thoughts And Goodbye *MOUTHY MONEY* *Our substack* mouthymoney.substack.co.uk *Get in touch* editors@mouthymoney.co.uk *Apple Podcasts* https://podcasts.apple.com/us/podcast/mouthy-money/id1712308475 *Spotify* https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=SkMD_90qSs-K3QNb8b-6YQ 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 actually happens when claiming income protection | LifeSearch claims expert tells us her experiences | 06 avr. 2026 | 00:27:53 | |
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:
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:
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. | |||
| Investing Stakes: How to check your investing portfolio in times of crisis | 01 avr. 2026 | 00:26:36 | |
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. | |||
| Your Pension is an Investment - Stop Treating it Like Savings | 26 mars 2026 | 00:38:10 | |
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.
"Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance." Resources & Links:
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:
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. | |||
| Five middle class wealth traps you might fall into - and how to escape them | 19 mars 2026 | 00:26:53 | |
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. Are you building wealth, or are you just "managing a slow-motion crisis"? In this episode, Ed and Chris pull back the curtain on the "Middle-Class Wealth Trap"—a set of outdated financial rules that leave professionals feeling "squeezed" despite high incomes and rising property values. From the psychological weight of growing up with financial insecurity to the technical "cliff edges" of the UK tax system, we diagnose the 5 invisible traps that are quietly draining your net worth in 2026. In this episode, you’ll discover:
Whether you're a "Paper Millionaire" or a high-earner who still feels the monthly pinch, this episode provides a diagnostic toolkit to help you move from accidental wealth to intentional freedom. Ready to audit your finances? Watch along to see where you sit on the "Trap Scale" and let us know your biggest financial "Aha!" moment in the comments. Personal Finance UK, Wealth Building, Investing for Beginners, Pensions UK, Tax Efficiency, Middle Class Wealth, Property vs Stocks, Salary Sacrifice, Lifestyle Creep, Financial Independence. *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 "ISA Bridge": Why Age 55 is No Longer the Pension Goal (and how to fix your plan) | 12 mars 2026 | 00:22:37 | |
Stop aiming for a retirement age that doesn't exist anymore. 🛑 If you have "55" in your head as your magic number to quit work, you’re aiming for a ghost target. Between the private pension age rising to 57 in 2028 and the State Pension creeping toward 70, your money might be locked away much longer than you planned. In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite break down the "ISA Bridge"—the essential investment strategy to fund the "gap" between the day you want to stop working and the day you can actually touch your pension. We’re getting into the nuts and bolts of the "Three-Pot" Strategy:
Plus, a reality check: Chris shares the honest struggle of managing a 30-year mortgage and childcare costs in 2026 while trying to build for the future. Timestamps: 00:01 – Why "55" is a lie: The shifting retirement goalposts 01:12 – The 3 Core Products for long-term saving 02:22 – The Cash Buffer: Rules of thumb vs. Reality 04:15 – Inflation-proofing your emergency fund 05:04 – The "Steam Engine": Workplace pensions and SIPP consolidation 07:43 – The Tax Relief trap: Don't leave money on the table 08:19 – 2028 Warning: The rising private pension age 09:50 – Will the State Pension age hit 72? 11:05 – Defining the ISA Bridge: Flexibility vs. Restrictions 13:09 – The Mortgage Hurdle: Retiring with 30 years left 18:59 – How to get clarity on your own wealth vehicles 21:04 – Critical Illness & Life Insurance: The protection piece *MOUTHY MONEY* *Our substack* mouthymoney.substack.co.uk *Get in touch* editors@mouthymoney.co.uk #RetirementPlanning #ISABridge #PensionGap #FinancialIndependence #MouthyMoney #InvestingUK2026 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. | |||
| Why the Iran Crisis Could Push Mortgage Rates Higher | 04 mars 2026 | 00:21:40 | |
In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite break down how the escalating Iran crisis could ripple through energy markets, inflation, interest rates and ultimately your mortgage. While we’re not a geopolitics show, the financial consequences of global instability are impossible to ignore. Rising oil and gas prices are already shifting market expectations around Bank of England rate cuts. That matters if you're remortgaging, buying your first home, or watching swap rates nervously. We explain the chain reaction from the Middle East conflict to UK mortgage pricing and what it means for homeowners right now. Key topics covered: ▉ Why the Iran conflict is pushing up global energy prices▉ How gas supply disruption affects UK inflation▉ Why markets are downgrading expectations for rate cuts▉ What swap rates are — and why mortgage lenders care▉ What this means for people remortgaging in 2026▉ Whether investors should panic about market volatility▉ Lessons from Ukraine, Covid and previous energy shocks▉ How to stay calm and stick to a long-term financial plan If you're concerned about mortgage rates, rate cuts, or the cost of living returning, this episode explains the mechanics. Chapters 00:00 – Introduction: Why this crisis matters for your money01:30 – What’s happening in Iran and why markets reacted03:00 – Stock markets and investment portfolios06:00 – Energy prices and the return of cost-of-living fears09:20 – Inflation risk and the Bank of England10:45 – Swap rates explained (and why mortgages follow them)13:30 – Remortgaging in 2026: what to watch16:00 – Investment strategy during volatility18:30 – Final thoughts: stick to your plan If you’re remortgaging soon or worried about where rates are heading, let us know in the comments. MOUTHY MONEY *Our substack* mouthymoney.substack.co.uk *Get in touch* editors@mouthymoney.co.uk *Apple Podcasts* https://podcasts.apple.com/us/podcast/mouthy-money/id1712308475 *Spotify* https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=SkMD_90qSs-K3QNb8b-6YQ 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. | |||
| Investing Stakes: Diversification: Is a 10 stock investment portfolio broad enough? | 03 mars 2026 | 00:35:09 | |
In Episode 2 of Investing Stakes, Edmund Greaves and Chris Tuite review their live £500 investment portfolios on the Stratiphy platform, two weeks after launch. One portfolio is up 3.13%. The other is trailing the market. But the real story isn’t short-term returns, it’s what’s happening beneath the surface of global markets. 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. In this episode we cover: ◼️ How many stocks you actually need for diversification ◼️ Why returns diminish beyond 15–30 holdings ◼️ Momentum vs moving average strategies explained ◼️ The “SaaSpocalypse” hitting tech and AI stocks ◼️ US vs UK vs Europe performance in 2025 ◼️ Whether global index funds are too exposed to America Plus: gold miners, energy stocks, Alphabet, Nvidia earnings, and what comes next. If you’re investing in global index funds, considering momentum strategies, or wondering whether tech stocks are entering a dangerous phase, this episode considers what’s actually happening without hype. 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 – How Many Stocks Do You Really Need? (10 vs 30 vs 300) 00:38 – Introducing Investing Stakes Episode 2 03:04 – Two Weeks In: Portfolio Performance Update 05:22 – What’s Inside the Momentum Portfolio? 08:47 – Why Alphabet Appears Twice (Concentration Risk Explained) 10:42 – Does Diversification Stop Working After 30 Stocks? 13:17 – Momentum vs Moving Averages: How Strategy Rotation Works 17:32 – Global Market Update: Why the US Is Flat in 2025 20:31 – Are Global Index Funds Too Exposed to the US? 23:30 – How Institutional Rebalancing Drives Market Momentum 27:10 – The “SaaSpocalypse”: Why Tech Stocks Are Suddenly Falling 30:05 – Alphabet, AI & Big Tech: Winners or Overvalued? 31:17 – The Case for Tangible Assets Over AI Stocks 32:53 – What’s Next: Nvidia Earnings & Portfolio Changes 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. | |||
| An AI Squirrel Won’t Fix Britain’s Investing Problem | 26 févr. 2026 | 00:31:34 | |
Why are so many Brits still afraid to invest? And can an AI squirrel really change that? In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite look at the Government’s push to get more people investing, including a controversial marketing campaign reportedly built around a “savvy” AI-generated squirrel. Will a multi-million pound advertising drive boost retail investing in the UK, or is it missing the real barriers holding people back? We explore: ▇ Why investing in the stock market still feels intimidating to many people ▇ The psychology of “investophobia” and risk aversion ▇ Why most people are already investors through their workplace pension ▇ The cultural stigma around being an “investor” ▇ Cash ISAs vs Stocks & Shares ISAs and whether tax policy can shift behaviour ▇ Why pensions are often described as “free money” ▇ The legacy of the 1980s TellSid campaign and what modern campaigns can learn from it ▇ How index funds, diversification and long-term investing actually work ▇ Practical ways to overcome inertia and start investing We also debate whether the UK needs clearer messaging, stronger financial education, or even a government-backed investment fund to kickstart a new investment culture. Subscribe for straight-talking conversations about personal finance, investing, pensions, ISAs and building long-term wealth. Chapters 00:00 – The government wants more people investing 02:00 – The £7–10m AI squirrel campaign explained 05:30 – TellSid vs modern financial marketing 08:00 – Investophobia: why people fear the stock market 11:30 – Risk warnings, paralysis and choice overload 14:00 – The cultural cringe around being an “investor” 17:30 – You’re already an investor (thanks to your pension) 21:00 – How capitalism rewards investors 23:30 – Index funds, diversification and long-term returns 25:30 – Cash ISAs, tax policy and behaviour change 27:30 – “Free money”: the workplace pension argument 29:30 – What would actually get Britain investing? 31:00 – Final thoughts and practical takeaways 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. | |||
| Voters don't care about GDP. They just want lower bills. | 19 févr. 2026 | 00:33:09 | |
Politicians keep telling us the economy is improving. GDP is growing. Inflation is falling. So why does it still feel like we’re getting poorer? In this episode of Mouthy Money, we dig into the widening gap between headline economic data and everyday reality. Polling expert Scarlett Maguire, founder of Merlin Strategy, explains why voters don’t associate economic growth with improvements in their own lives - and why energy bills, housing costs, food prices and tax matter far more than GDP figures. We explore why anger at regulators and utility companies is rising, why demands for direct Government intervention are growing and how this disconnect is fuelling political instability on both the left and the right. Even if growth returns, will people actually feel better off? *Chapters* 00:00 GDP Growth vs Cost of Living Crisis (UK Economy Explained) 01:15 Who Is Scarlett Maguire? Political Polling & Economic Research 02:10 Why UK Voters Don’t Care About GDP Growth 04:30 What “Cost of Living” Really Means (Housing, Energy, Food, Tax) 07:20 Inflation Falling – Why Prices Still Feel High 09:05 Has the Pandemic Made Britain Poorer?12:40 Economic Anxiety and the Rise of Populism 15:10 The Misery Index: Inflation + Unemployment Explained 17:45 Why UK Energy Bills Are So High 20:50 Ofgem, Price Caps and Energy Market Regulation 23:35 Should the Government Cut Energy Bills? 25:15 Why Brits Don’t Invest (Savings, Pensions, Risk) 28:05 Are We Heading for UK Economic Recovery? 31:00 Youth Unemployment and the Housing Crisis 33:30 What Happens If Growth Returns – Will Voters Feel It? 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. | |||
| Dragon’s Den £50K Deal: Can This App Help You Pay Off Your Mortgage Faster? | 16 févr. 2026 | 00:32:08 | |
After securing £50,000 on BBC Dragon’s Den, fintech founder Jinesh Vohra joins us to discuss a question facing millions of homeowners: should you be paying off your mortgage early? In this episode, we explore the fundamentals of mortgage overpayments, how interest is front-loaded in the early years of a loan, and whether it makes more sense to reduce debt or focus on long-term investing — particularly in today’s UK interest rate environment. Jinesh explains how his app, Sprive, helps homeowners chip away at their mortgage using cashback, spare cash automation and smarter refinancing. We also go behind the scenes of Dragon’s Den — what the Dragons look for in a fintech business, and why trust is critical in UK finance. If you’re thinking about building wealth, managing debt strategically, or balancing mortgage overpayments with long-term investing, this episode will help you think more clearly about your options. We cover: • The case for (and against) paying off your mortgage early 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 Hidden Financial Penalty of Being Single | 06 févr. 2026 | 00:19:35 | |
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. | |||
| The FIRE Movement isn’t all its cracked up to be | 30 janv. 2026 | 00:34:14 | |
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 | |||
| Should the Bank of England Prepare for Aliens? (Seriously) | Mouthy Money Podcast | 24 janv. 2026 | 00:28:14 | |
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. | |||
| Investing Stakes: We’re Investing £500 Of Our Own Money - Join Us On The Journey | New Monthly Series with Stratiphy | 21 janv. 2026 | 00:54:08 | |
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. | |||
| 1.8 million remortgages coming this year: mortgage market expert Paul Thomas explains why rates are falling | 14 janv. 2026 | 00:32:39 | |
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. | |||
| Financial survival kit: here are the basic things you need for a money emergency | 08 janv. 2026 | 00:30:49 | |
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. | |||
| Mark Watson on the Harsh Truth About Making Money in Comedy | Freelancing, Tax & the Cost of Living Crisis | 01 janv. 2026 | 00:35:13 | |
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 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 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. | |||
| Starting a money coven: Siân Docksey on money, getting paid as a creative & financial confidence | 29 déc. 2025 | 00:47:36 | |
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:
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. | |||
| The end of aspiration – can we really make more of our money? | 10 déc. 2025 | 00:29:57 | |
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. | |||
| Bitcoin in 2026 - where next for the digital asset | the Bitcoin IFA | 03 déc. 2025 | 00:33:52 | |
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. | |||
| Savers sacrificed: Budget 2025 and what it means for your money and wealth | 26 nov. 2025 | 00:29:14 | |
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 REALLY mean to be wealthy in Britain in 2025? | Income, inequality, inflation and tax | 19 nov. 2025 | 00:44:29 | |
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. | |||