The Finance Geeks Podcast – Details, episodes & analysis

In this episode of The Finance Geeks, Paul Cleworth and Warren Shute bring you on a journey through the unpredictable world of bull and bear markets.

Just like wrangling powerful forces in the wild, navigating market shifts requires skill, patience, and a clear strategy. Paul and Warren dive into what makes a market “bullish” or “bearish” and explore why these cycles occur, emphasizing the importance of staying calm and focused even in turbulent times.

They share insights on recent trends in major market indices, the dynamics of growth and value stocks, and why bull markets have historically lasted longer than bear markets.

Whether you’re an investing newcomer or a seasoned market watcher, Paul and Warren’s expert perspectives will help you stay balanced and resilient through all of the market’s twists and turns.

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Chapters: 0:00 - Intro

4:56 - The Focal Point: Bulls & Bears

37:53 - Quotes & Anecdotes

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

After a summer break full of travels and downtime, Paul and Warren are back with The Finance Geeks! In this episode, they get straight to business, tackling the upcoming UK Budget on October 30th. The Geeks discuss the potential tax changes on the horizon and how they could affect everything from pensions to capital gains. Whether it's Capital Gains Tax (CGT), Inheritance Tax (IHT), or possible tweaks to pensions, Paul and Warren offer their expert insights on what might be coming your way—and how a good adviser can help you save. Tune in to find out what’s in store for your finances this autumn!

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Chapters:

0:00 - Intro

4:04 - The Focal Point: The Autumn Budget - What's Coming

31:49 - Quotes & Anecdotes

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

In the ever-present battle for financial dominance, a new challenger emerges! Forget the stock market swings and the endless ticker tape scrolls. Today's fight is against a familiar foe – the Taxman. But fear not, fellow investment geeks! Here at the Finance Geeks Podcast, we're arming you with the knowledge and strategies to become tax-efficient investing heroes. We'll delve into the intricacies of allowances, pensions, and investment accounts, showing you how to maximize your returns while minimizing your tax burden.

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Chapters:

0:00 - Intro

8:22 - Hot off the press

12:31 - The focal point: Risk – how to become a tax efficient investment geek!

43:18 - Two Pennies Worth 48:52 - Quotes & Anecdotes

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Follow us our our social media channels: 

Instagram: https://www.instagram.com/financegeekspodcast/  

X: https://twitter.com/TheFinanceGeeks  

YouTube: https://www.youtube.com/@thefinancegeeks

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Podcast Reference Links:

Spring Budget: Workers to pay less national insurance from April https://www.moneysavingexpert.com/news/2024/03/national-insurance-cut-spring-budget-2024/

Download the FULL Spring 2024 Budget https://www.gov.uk/government/publications/spring-budget-2024

UK ISA consultation - GOV.UK (www.gov.uk) https://www.gov.uk/government/consultations/uk-isa-consultation

Taxation in the United Kingdom https://en.m.wikipedia.org/wiki/Taxation_in_the_United_Kingdom

21 Types of Tax we pay https://www.oneaccounting.co.uk/21-types-tax-we-pay-spurious-link-beatles/

Tax-efficient ways to save or invest https://www.moneyhelper.org.uk/en/savings/types-of-savings/isas-and-other-tax-efficient-ways-to-save-or-invest

HMRC tax receipts and National Insurance contributions for the UK (annual bulletin) https://www.gov.uk/government/statistics/hmrc-tax-and-nics-receipts-for-the-uk/hmrc-tax-receipts-and-national-insurance-contributions-for-the-uk-new-annual-bulletin#:~:text=HMRC%20collected%20%C2%A3788.6%20billion,for%2056%25%20of%20annual%20receipts

What is EIS, VCT or SEIS? https://www.mandg.com/wealth/adviser-services/tech-matters/investments-and-taxation/eis-vct-and-seis/eis-vct-seis

Same as Ever – Book by Morgan Housel https://www.amazon.co.uk/Same-Ever-Timeless-Lessons-Opportunity/dp/1804090638

The tax poem — Adam Smith Institute https://www.adamsmith.org/blog/miscellaneous/the-tax-poem

Have you ever wondered what lurks behind the cryptic phrase "investment risk"? It might sound like a financial boogeyman, shrouded in mystery and ready to pounce on your hard-earned cash. But fear not, as today on The Finance Geeks, we're unmasking the mystery of investment risk.

We will be putting on our metaphorical trench coats and magnifying glasses, delving into the different types of risk lurking in the investment world. We'll shed light on how these risks can impact your portfolio, but more importantly, we'll equip you with the knowledge to become a risk-savvy investor, not a risk-averse one.

Join us as we unveil the true nature of investment risk, debunk the myths, and empower you to navigate the financial landscape with confidence.

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Chapters:

0:00 - Intro 5:25 - Hot off the press 13:16 - The focal point: Risk – What does risk mean to you? What are the main risks when investing? 45:04 - Two Pennies Worth 48:38 - Quotes & Anecdotes

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Podcast Reference Links: 

  UK Budget and rumours of NI Cut https://www.bbc.co.uk/news/business-68406450 

Public Finances https://commonslibrary.parliament.uk/research-briefings/sn02812/

UK Govt Debt and deficit https://www.ons.gov.uk/economy/governmentpublicsectorandtaxes/publicspending/bulletins/ukgovernmentdebtanddeficitforeurostatmaast/september2023

UK National Debt  https://www.economicshelp.org/blog/334/uk-economy/uk-national-debt/

Bitcoin Price Climbs https://www.investing.com/news/cryptocurrency-news/bitcoin-rally-continues-price-climbs-above-60k-for-the-first-time-since-november-2021-432SI-3318744

SJP share price crash https://citywire.com/new-model-adviser/news/sjp-shares-crash-after-it-sets-aside-426m-for-advice-fee-refunds/a2437114 

Inflation figures  https://www.economist.com/the-world-this-week/2024/02/15/business

Berkshire Hathaway report  https://www.berkshirehathaway.com/ 

What is RISK?  https://en.wikipedia.org/wiki/Risk

What is risk? Dictionary definition.  https://www.merriam-webster.com/dictionary/risk 

Systemic vs Systematic risk  https://efinancemanagement.com/investment-decisions/systemic-vs-systematic-risk

Unsystematic risk/ Idiosyncratic risk  https://www.investopedia.com/terms/u/unsystematicrisk.asp

Risk vs Volatility  https://www.forbes.com/uk/advisor/investing/risk-vs-volatility-whats-the-difference/

5 commons myths about investment risk  https://tandemfinancial.co.uk/tandem-thinking/investment-risk-5-common-myths-and-misconceptions/

Dashlane (App) https://www.dashlane.com/

HMRC App https://www.gov.uk/guidance/download-the-hmrc-app

The Gentlemen (TV Series) https://www.netflix.com/gb/title/81437051

The Stranger https://www.netflix.com/gb/title/81001209 

Dumb Money https://www.amazon.co.uk/Dumb-Money-Paul-Dano/dp/B0CLVTHKMM 

Mark Zuckerberg quote on risk  https://twitter.com/HRquote/status/907109359133630465/photo/1

Warren Buffet quote on risk  https://www.azquotes.com/quotes/topics/risk-management.html

Maharishi quote  https://thomknoles.com/podcast/knowledge-structured-consciousness/

Warren Buffett quotes  https://www.investopedia.com/financial-edge/0511/the-top-17-investing-quotes-of-all-time.aspx   

Calling all financial adventurers! Get ready to slay the debt dragon and conquer your financial fortress with Paul Cleworth and Warren Shute. Join us on this epic quest to master the art of saving and avoiding the traps of impulsive spending.

We'll uncover the secret formula for success (no magic potions needed!), exploring the legendary 50/30/20 rule and the hidden treasures of Compound Interest.

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Chapters:

0:00 - Intro 9:09 - Hot off the press 16:40 - The focal point: How much could you save? budgeting, cashflow and getting the balance right 59:46 - Two Pennies Worth 1:10:46 - Quotes & Anecdotes

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Podcast Reference Links: 

Uk Fell into recession https://www.bbc.co.uk/news/live/business-68297420

Red Sea Crisis https://www.bbc.co.uk/news/uk-england-hampshire-68294622

Steve Wright https://www.bbc.co.uk/news/entertainment-arts-68292724

Finance Act 2023 https://www.legislation.gov.uk/ukpga/2023/1

Budget March 2024 https://www.bbc.co.uk/news/uk-politics-68159003

The Calculator Site https://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php

Budget Planning PDF https://tandemfinancial.co.uk/wp-content/uploads/2022/05/Budget_Planning_Factsheet.pdf

EOY Tax Guide https://www.dropbox.com/scl/fi/vbf2cirq8aj42kibe65j2/Tandem-Tax-Guide-2024_01.pdf?rlkey=hqu88aw7tjl607lfhv7d12v6y&dl=0

Use this Spreadsheet for cashflow and BTLs https://tandemfinancial.co.uk/wp-content/uploads/2022/05/CashFlow__BTL_Spreadsheet.xlsx

Pay Yourself First! https://www.investopedia.com/terms/p/payyourselffirst.asp

Article on Time, Money and Health. https://tandemfinancial.co.uk/tandem-thinking/time-money-and-health-achieving-balance-at-each-life-stage/

Article on Investment Risk, Myths and misconceptions. Differences between Saving and Investing. https://tandemfinancial.co.uk/tandem-thinking/investment-risk-5-common-myths-and-misconceptions/

The 50/30/20 Budget Rule https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp

Park Run https://www.parkrun.org.uk/

Josh & Gabby Butten https://www.boosst.financial/

Brett Davidson https://fpadvance.com/

The Money Plan (Book) https://www.amazon.co.uk/Money-Plan-Warren-Shute/

The Number (Book) https://amzn.eu/d/eSlu3V7

Die With Zero (Book) https://amzn.eu/d/eSlu3V7

Lumi Light (Gadget) https://amzn.eu/d/gMttENn

Lumi Alarm (Gadget) https://amzn.eu/d/9lJXqvN

Build Your Stax (App) https://buildyourstax.com/

Blackberry (Film) https://www.blackberrymovie.com/

Feel Good Productivity (Audiobook) https://amzn.eu/d/hvdyNuc

Ali Abdaal’s website https://www.feelgoodproductivity.com/

Curve (App) https://curve.com/en-gb/how-it-works

In this episode, the Geeks ditch the spreadsheets and dive into the ultimate investment - happiness (with dividends that reach every corner of your life). Discover the secrets to unlocking happiness that's bigger, brighter, and more fulfilling than any fleeting financial gain.

So, let's get happy and let's show the world that true happiness is built on more than just numbers – it's built on a foundation of laughter, love, and living life to the fullest!

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Chapters:

0:00 - Intro 1:43 - what have you been up to? 7:13 - Hot off the press 14:52 - The focal point: Secrets to a Happy Life 45:52 - Two Pennies Worth 56:43 - Quotes & Anecdotes

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Podcast Reference Links:

Medical Wellness Checking (website) https://www.medichecks.com/

Bank of England holds interest rates at 5.25% https://www.bbc.co.uk/news/live/business-68164004

What are UK interest rates and when will they fall? https://www.bbc.co.uk/news/business-57764601

Key financial dates for 2024 https://www.thetimes.co.uk/money-mentor/income-budgeting/key-financial-dates-to-look-out-for-in-2024

This will be the biggest tax-raising parliament on record https://ifs.org.uk/articles/will-be-biggest-tax-raising-parliament-record#:~:text=At%20the%20time%20of%20the,in%20the%20post%2Dwar%20period.

Total public sector net debt in the United Kingdom from 2000/01 to 2028/29 https://www.statista.com/statistics/282647/government-debt-uk/

Public Finances: Key Economic Indicators https://commonslibrary.parliament.uk/research-briefings/sn02812/

How Much of Your Happiness Is Under Your Control https://greatergood.berkeley.edu/article/item/how_much_of_your_happiness_is_under_your_control

What does science have to do with happiness? https://www.betterhelp.com/advice/psychologists/sonja-lyubomirsky-what-does-science-have-to-do-with-happiness/

Griselda (Netflx Series) https://www.netflix.com/gb/title/81133447

Blackberry (Film) https://www.imdb.com/title/tt21867434/

Elon Musk by Walter Isaacson (Book) https://www.amazon.co.uk/Elon-Musk-Walter-Isaacson/dp/1398527491

Sit-Stand Desktop Workstation https://www.dell.com/en-uk/shop/ergotron-workfit-tl-sit-stand-desktop-workstation-black-with-grey-surface/apd/a8638607/monitors-monitor-accessories

Countdown (App) https://apps.apple.com/us/app/countdown/id1403367428

Albert Schweitzer quote on happiness: https://www.flickr.com/photos/tandemfinancial/37412929710/in/album-72157687946672833/

This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

In this episode, the geeks share their personal and professional goals for the year, offering insights you can apply to your own financial journey. Join The Finance Geeks as we unleash our inner financial nerd and crush 2024 like the fiscally responsible rockstars we are.

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Podcast Reference Links:

UK House Price Index https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/housepriceindex/november2023

When will we get back to low inflation https://www.bankofengland.co.uk/explainers/will-inflation-in-the-uk-keep-rising

Rising cost of living in the UK https://commonslibrary.parliament.uk/research-briefings/cbp-9428/

Inflation and Price indices https://www.ons.gov.uk/economy/inflationandpriceindices

RPI versus CPI https://www.thetimes.co.uk/money-mentor/income-budgeting/how-to-budget/rpi-versus-cpi Triple Lock State Pension future changes https://commonslibrary.parliament.uk/the-triple-lock-how-will-state-pensions-be-uprated-in-future/

Transcendental Meditation https://uk.tm.org/

HUM Premium Newsletter for Financial Planners (Andy Hart) https://www.humansundermanagement.com/

Family Location App (App) https://www.life360.com/uk/

Birthday App  (App) https://apps.apple.com/gb/app/birthday-reminder-countdown/id1453656360

How to Think About Money (Book) https://tandemfinancial.co.uk/book-reviews/how-to-think-about-money-book-review/ and https://amzn.eu/d/daorWPN

Get Things Done - David Allen (Book) https://amzn.eu/d/cKeNgSF

Get More Referrals Now (Book) https://amzn.eu/d/3GAdcJM

Think and Grow Rich (Book) https://amzn.eu/d/7uR2ONi

The Dawn Wall (Film) https://www.imdb.com/title/tt7286916/

Quotes https://www.flickr.com/photos/tandemfinancial/albums/72157687946672833/

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Disclaimer:

This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

In this episode, financial experts Warren Shute and Paul Cleworth share their experiences and practical tips to help you equip your kids with the skills to navigate the financial ups and downs of life with confidence.

Discover why financial literacy is a must-have superpower for your kids, and learn how to teach them to navigate the financial ups and downs like pros. Warren and Paul will share age-appropriate strategies and systems that make money management a fun and engaging part of growing up.

From swinging into positive money habits to balancing on the financial seesaw, this episode is packed with practical tips and geeky insights. Learn how to use allowances as teaching tools and transform the sandbox of savings into a place of empowerment.

Tune in and transform your child's financial playground into a space of confidence and future success. Get ready to geek out on money and help your kids conquer the financial playground with flying colours!

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Chapters:

0:00 - Intro

8:12 - The Focal Point: Raising Money Smart Kids

47:17 - Quotes & Anecdotes

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Podcast Reference Links:

HyperJar | Free Money Management App & Card

https://hyperjar.com/

Go Henry - Teaching Kids & Teens Money Skills For Life

https://www.gohenry.com/uk/

Rooster money - NatWest Rooster Money | Kids' Prepaid Debit Card and Pocket Money App

https://roostermoney.com/

Nimbl - Mastercard

https://nimbl.com/

Morgan Housel - The best financial advice I know (what I want my kids to learn)

https://open.spotify.com/episode/13uqPBWgAyT4VHRZEfMfXH?si=f6e8cdd7595143fd

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Follow us our our social media channels:

Instagram:

https://www.instagram.com/thefinancegeekspodcast/

X:

https://twitter.com/TheFinanceGeeks

YouTube:

https://www.youtube.com/@thefinancegeeks

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

#pocketmoney #kidsfinance #thefinancegeeks #moneymanagementforkids #moneysmartkids #teachingkidsfinance #youthfinancialeducation #youthfinance #kidsfinancetips

This episode tackles the ultimate two-player challenge: Love and Money! We're delving into the pixelated world of couples' finances, guiding you through your financial journey together. We'll decode the secrets of managing your money together, dodge hidden traps of financial infidelity, and explore how different spending habits can affect your relationship and how to manage them.

Level up your relationship with our essential strategies. This includes planning a romantic "financial date night" to discuss budgets and goals; establishing clear spending boundaries to avoid any surprises down the road; and learning how to manage your bank accounts together without causing financial strain on your relationship.

Join us in this episode to learn how to turn your financial woes into a victory dance for your relationship!

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Chapters: 0:00 - Intro

7:29 - The Focal Point: Relationships & Money

42:14 - Quotes & Anecdotes

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

#CouplesFinance #MoneyTalksLoveListens #LoveAndMoney #DateNightIdeas #FinancialPlanning #CoupleFinancialPlanning #GrowingTogether #FinancialInfidelity #TheFinanceGeeks #FinancialEducation #FinancialSuccess

Join finance gurus Paul and Warren on a journey to financial nirvana! This episode tackles the essential question: what truly defines your financial wellbeing? The Finance Geeks unpack the key aspects that could help you to achieve financial peace of mind.

They'll discuss the core pillars of what financial freedom means, from getting organized and budgeting effectively to managing debt, saving for the future, and building resilience. Learn how to cultivate the right financial mindset and unlock the door to financial wellness and a life of balanced abundance.

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Chapters:

0:00 - Intro

7:47 - The Focal Point: Financial Wellbeing

48:48 - Quotes & Anecdotes

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

#financialfreedom #financialwellbeing #financialwellness #financialnirvana #debtfreejourney #thefinancegeeks #warrenshute #paulcleworth