Mouthy Money: Building wealth with long term investing and saving strategies

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 Dilemma00:01:30 – Welcome Sahar & The £5.5k Holiday Stat00:02:40 – Ed's Expensive £2,500 Crete Getaway00:03:40 – Sahar’s Japan Trip & The Weak Yen Hack00:05:10 – Ed's Worst Holiday Mistake (Stranded in Chile!)00:07:20 – The Hidden Cost of £5k+ Annual Holidays00:09:10 – The Math: Turning Holiday Budgets into £519,00000:10:40 – The "Buy It Twice" Luxury Rule00:12:30 – Spender vs. Saver Mindsets & Money Regrets00:14:40 – Striking a Balance: Cheaper Trips & Camping00:16:30 – Holiday Sinking Funds & Bank Card Mistakes00:18:10 – The Ultimate Money Hack: Pay Yourself First00:19:20 – Final Thoughts & Community Question*MOUTHY MONEY**Our substack* mouthymoney.substack.co.uk *Get in touch* ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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 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=INVESTINGSTAKESDisclosure: 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_abBFtYzb2Ax8Stratiphy 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 ETNs03:40 - Why Markets Ignore Geopolitical Uncertainty06:15 - The Psychology of Market Reversals & Downturns08:50 - Portfolio Reveal: Ed vs. Chris vs. Stratiphy10:30 - Momentum Trading vs. Long-Term Trends13:00 - The AI Debate: Overvalued Bubble or Future Growth?16:20 - Future Outlook & Final ThoughtsAbout StratiphyStratiphy 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=INVESTINGSTAKESImportant: 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* ⁠⁠[email protected] ⁠⁠DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Are you 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?Chapters00:00 – 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 MONEYOur substack mouthymoney.substack.co.uk Get in touch ⁠⁠[email protected] ⁠⁠DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251This 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.The Perma-Crisis Reality: Why the economic shocks just keep coming (and why "normal" isn't returning anytime soon).The Mortgage & Energy Squeeze: How inflation and rising interest rates are fundamentally changing household budgets.The AI Job Threat: Why rising unemployment is the next big hurdle, and how to upskill to protect your income.Actionable Defense Strategies: How to build financial resilience through cash safety nets, paying down debt, and strategic "lifestyle deflation."The Long-Term Fix: Why you must keep investing in your pension and ISAs, even when things feel chaotic.Check out Paul Thomas’s mortgage market blog on our Substack here: https://mouthymoney.substack.com/p/the-mortgage-market-faces-profound00:00 - Intro: Welcome to the Perma-Crisis03:45 - The immediate impact: Energy shocks and inflation06:57 - The mortgage trap: Why fixed rates aren't saving us11:47 - The rising threat of unemployment and AI15:49 - Actionable steps to protect your money today20:42 - Why you MUST keep investing for the long term👇 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 MONEYOur substack* mouthymoney.substack.co.uk Get in touch ⁠⁠[email protected] ⁠⁠DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251This 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:Why buying a rental property in your own name is a thing of the past (and why SPVs are the new normal).The massive North vs. South divide in property investments.How incoming EPC regulations and the Renters' Rights Act will impact you.Why you should ignore "get rich quick" property influencers on TikTok.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.Chapters00:00 Buy To Let Is Evolving00:33 Sponsor Message Coinbase01:20 Meet The Hosts01:23 What Is Buy To Let02:30 Louisa And Paragon Bank04:12 End Of Dinner Party Landlord06:28 Tax And Regulation Shifts08:51 Professionalising Landlords11:22 Should You Become A Landlord14:25 Where New Landlords Buy17:29 HMOs And Student Lets20:13 Future Rules EPC And More22:44 Avoid Get Rich Quick Hype24:11 Using Brokers And Tax Advice25:08 Final Thoughts And Goodbye*MOUTHY MONEY**Our substack* mouthymoney.substack.co.uk *Get in touch* ⁠⁠[email protected] ⁠⁠*Apple Podcasts* https://podcasts.apple.com/us/podcast/mouthy-money/id1712308475*Spotify* https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=SkMD_90qSs-K3QNb8b-6YQ DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more.In this episode of the Mouthy Money podcast, Edmund Greaves sits down with Lisa Kelly, a claims expert at protection insurance broker LifeSearch, to examine the mechanical reality of claiming on protection policies during severe health crises.Moving beyond the theory of purchasing insurance, this discussion focuses strictly on the operational end of critical illness and income protection cover. Using real-world data and case studies, we look at how these policies function when policyholders face severe medical emergencies, long-term health issues, or an abrupt loss of income.What we cover in this episode:Children’s Critical Illness Cover: The mechanics of claiming for a dependent, detailing a case involving a Wilms tumor diagnosis and the utilisation of ancillary benefits to access global medical consultants.Maternity/Paternity Income Disruption: How individual critical illness policies function when parents require extended time off work to manage a newborn's open-heart surgery.Long-Term Income Protection: A breakdown of an ongoing claim that began with a cancer diagnosis in 2013 and evolved to cover subsequent chronic conditions, including depression and arthritis.Short-Term Cover & Mental Health: A critical look at an immediate intervention involving a self-employed construction worker facing severe suicidal ideation, and the process of securing medical and financial support.About our guest: Lisa Kelly is a claims expert at LifeSearch. She transitioned into customer care and claims management after navigating the complex claims process firsthand following her husband's bladder cancer diagnosis, providing her with a practical understanding of the system's demands on policyholders.Relevant Links & Resources:LifeSearch: lifesearch.comMouthy Money: mouthymoney.co.ukSamaritans (24/7 Mental Health Support): samaritans.org or call 116 123 (UK) if you are affected by the mental health themes discussed in this episode.MOUTHY MONEYOur substack* mouthymoney.substack.co.uk Get in touch ⁠⁠[email protected] ⁠⁠DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

The Middle East conflict is sending shockwaves through the market. While most investors are panicking, Stratiphy expert Chris Ling explains why "sitting on your hands" is the ultimate power move for your ISA.If you want to explore Stratiphy or build your own rules-based portfolio, you can use our referral link:🔗 https://www.stratiphy.io/referrals?code=INVESTINGSTAKESDisclosure: 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 portfoliosStratiphy 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 StratiphyStratiphy 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=INVESTINGSTAKESImportant: 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.Chapters00:00 Intro & Episode Highlights00:45 Welcome to Investing Stakes Episode 301:18 What is Stratiphy? (The Quantitative Approach)02:40 Investing Principles During Market Stress03:01 Why "Doing Nothing" is Often the Best Strategy04:20 The £500 Portfolio Challenge: Initial Results05:37 Personal Reactions: Zen vs. Constant Refreshing07:13 The Power of Conviction in Long-Term Investing08:20 The "Overreaction Tax": Why Panic Costs 1.5% a Year08:50 Pound Cost Averaging: Turning Downturns into Gains11:04 Sequencing Risk & Managing Retirement Funds11:45 Performance Reveal: Beige Fox vs. Black Elephant13:20 Market Analysis: How the Iran Conflict Impacted Benchmarks16:12 Winning Stock: Why Marathon Petroleum ($MPC) Soared18:35 Why Oil Refiners Benefit from Rising Prices19:21 Analyzing the Losers: Copper, Gold, and the AI Boom22:50 Market Outlook: Is a Recovery on the Horizon?24:45 Community Q&A and Final ThoughtsMOUTHY MONEYOur substack https://mouthymoney.substack.com/Get in touch ⁠⁠[email protected] ⁠⁠DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more.Most people treat their pension as a passive "set and forget" savings account. They are wrong. In this episode, Edmund Greaves and Chris Tuite are joined by Clare Moffat, pension and tax expert at Royal London, to dismantle the myths that keep the UK "under-saved." We tackle why a staggering 25% of young workers misunderstand their own money and why the "default fund" might be the biggest hurdle to your future wealth.The Default Fund Trap: Why "safe" is actually risky for anyone under 50.The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth.The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57.The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance.The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost."Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance."Resources & Links:Royal London Research: Pensions and Adequacy Report (via Oxford Economics).Mouthy Money: Visit our website for more no-nonsense financial guideshttps://mouthymoney.substack.com/Follow Edmund Greaves: https://www.linkedin.com/in/edmundgreaves/ MOUTHY MONEYGet in touch ⁠⁠[email protected] ⁠⁠DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.What’s inside this episode:-The Default Fund Trap: Why "safe" is actually risky for anyone under 50.-The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth.-The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57.-The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance.-The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost."Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance."Resources & Links:Royal London Research: Pensions and Adequacy Report (via Oxford Economics).Mouthy Money: Visit our website for more no-nonsense financial guideshttps://mouthymoney.substack.com/Follow Edmund Greaves: https://www.linkedin.com/in/edmundgreaves/ MOUTHY MONEYGet in touch ⁠⁠[email protected] ⁠⁠DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251This 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:The Property Prison: Why your primary home might be your biggest liability, not your best investment.The "Safe Cash" Mirage: How high-street savings accounts are a guaranteed loss of purchasing power after inflation and tax.The 60% Stealth Tax: Why earning £100k can actually make you poorer—and the one legal mechanism to fix it.The Default Fund Trap: The hidden reason your workplace pension is under-performing (and why you shouldn't own bonds in your 30s).Lifestyle Creep vs. Deflation: How to stop "convenience spending" from stealing your compound interest.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* ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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.

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:The Cash Buffer: Why your rainy-day fund needs to grow with inflation (and how much is actually enough).The Pension Engine: Navigating SIPPs, workplace contributions, and that juicy 40% tax relief.The ISA Bridge: Why this "get out of jail free card" is the only way to retire on your own terms.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 goalposts01:12 – The 3 Core Products for long-term saving02:22 – The Cash Buffer: Rules of thumb vs. Reality04:15 – Inflation-proofing your emergency fund05:04 – The "Steam Engine": Workplace pensions and SIPP consolidation07:43 – The Tax Relief trap: Don't leave money on the table08:19 – 2028 Warning: The rising private pension age09:50 – Will the State Pension age hit 72?11:05 – Defining the ISA Bridge: Flexibility vs. Restrictions13:09 – The Mortgage Hurdle: Retiring with 30 years left18:59 – How to get clarity on your own wealth vehicles21:04 – Critical Illness & Life Insurance: The protection piece*MOUTHY MONEY**Our substack* mouthymoney.substack.co.uk *Get in touch* ⁠⁠[email protected] ⁠⁠#RetirementPlanning #ISABridge #PensionGap #FinancialIndependence #MouthyMoney #InvestingUK2026DISCLAIMERThis 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.

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 planIf you're concerned about mortgage rates, rate cuts, or the cost of living returning, this episode explains the mechanics.Chapters00:00 – 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 planIf 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* ⁠⁠[email protected] ⁠⁠*Apple Podcasts* https://podcasts.apple.com/us/podcast/mouthy-money/id1712308475*Spotify* https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=SkMD_90qSs-K3QNb8b-6YQ DISCLAIMERThis 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.

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=INVESTINGSTAKESDisclosure: 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 AmericaPlus: 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=INVESTINGSTAKESImportant: 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 203:04 – Two Weeks In: Portfolio Performance Update05:22 – 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 Works17:32 – Global Market Update: Why the US Is Flat in 202520:31 – Are Global Index Funds Too Exposed to the US?23:30 – How Institutional Rebalancing Drives Market Momentum27:10 – The “SaaSpocalypse”: Why Tech Stocks Are Suddenly Falling30:05 – Alphabet, AI & Big Tech: Winners or Overvalued?31:17 – The Case for Tangible Assets Over AI Stocks32:53 – What’s Next: Nvidia Earnings & Portfolio ChangesMOUTHY MONEY*Our substack* mouthymoney.substack.co.uk *Get in touch* ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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 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 investingWe 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.Chapters00:00 – The government wants more people investing02:00 – The £7–10m AI squirrel campaign explained05:30 – TellSid vs modern financial marketing08:00 – Investophobia: why people fear the stock market11:30 – Risk warnings, paralysis and choice overload14:00 – The cultural cringe around being an “investor”17:30 – You’re already an investor (thanks to your pension)21:00 – How capitalism rewards investors23:30 – Index funds, diversification and long-term returns25:30 – Cash ISAs, tax policy and behaviour change27:30 – “Free money”: the workplace pension argument29:30 – What would actually get Britain investing?31:00 – Final thoughts and practical takeawaysMOUTHY MONEY*Our substack* mouthymoney.substack.co.uk *Get in touch* ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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.

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 Research02:10 Why UK Voters Don’t Care About GDP Growth04:30 What “Cost of Living” Really Means (Housing, Energy, Food, Tax)07:20 Inflation Falling – Why Prices Still Feel High09:05 Has the Pandemic Made Britain Poorer?12:40 Economic Anxiety and the Rise of Populism15:10 The Misery Index: Inflation + Unemployment Explained17:45 Why UK Energy Bills Are So High20:50 Ofgem, Price Caps and Energy Market Regulation23:35 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 Crisis33:30 What Happens If Growth Returns – Will Voters Feel It?MOUTHY MONEY*Our substack* mouthymoney.substack.co.uk *Get in touch* ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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.

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• How amortisation works and why early overpayments matter• Mortgage freedom vs long-term investing• Financial trust in fintech• What really happens on Dragon’s DenMOUTHY MONEY*Our substack* mouthymoney.substack.co.uk *Get in touch* ⁠⁠[email protected] ⁠⁠DISCLAIMER_This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate._

Solo living leaves people with far less disposable income, lower investing rates and weaker financial safety nets. But why does being single cost so much more? In this episode of Mouthy Money, we count the costs of the “single person financial penalty”.With insights from Hargreaves Lansdown’s Helen Morrissey, we look at what singles (and couples) can do to protect their financial futures.*On this episode*▉ Singles have far less disposable income because costs can’t be shared.▉ Thin monthly margins make saving and investing feel risky.▉ Lower savings mean less protection against redundancy or illness.▉ Talking about money improves financial resilience — even if you’re single.▉ Divorce, separation, and bereavement can suddenly trigger the same penalty.▉ Relying on a partner’s pension is risky if circumstances change.▉ Cohabiting without legal protections can lead to major financial losses.▉ Everyone should plan for retirement as an individual first.*Let us know what you think?* Does the single person financial penalty affect you?*Chapters*00:00 – The single person financial penalty explained01:40 – Why living alone costs so much more03:15 – Disposable income gap: £23 vs £28005:20 – Safety nets, job loss, and financial vulnerability07:20 – Why singles invest less (and fear risk more)10:20 – UK savers vs investors: pensions and misconceptions13:55 – Breakups, divorce, and becoming single later in life16:05 – Pension complacency and cohabitation risks18:15 – How to plan like a financially independent adultMOUTHY MONEY*Our substack* mouthymoney.substack.co.uk *Get in touch* ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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 (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. Chapters00:00 Introduction to the FIRE Movement02:23 Understanding the FIRE Movement09:02 The Role of Time in Financial Planning11:22 Challenges of the FIRE Movement in the UK12:49 Critique of the FIRE Philosophy16:46 Alternative Perspectives on Career and Retirement23:42 Personal Reflections on Retirement GoalsMOUTHY MONEYGet in touch ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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

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/ Chapters00:00 – Should the Bank of England prepare for aliens?01:55 – The real report that sparked this discussion04:00 – What is an “ontological shock”?06:50 – Would alien disclosure trigger a financial crisis?11:30 – Technology, energy, and instant market winners & losers16:30 – Panic, bank runs, and insider information20:00 – Can you prepare for unknown unknowns?24:40 – Are we over-managing risk in finance?26:45 – What this really means for investors29:00 – Final thoughts: aliens as a risk thought experimentCONNECT WITH USThank 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate.

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 StratiphyStratiphy 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.Chapters00:00 Introduction to Investing Stakes01:17 The Importance of Skin in the Game05:39 Introducing Chris Ling from Stratify07:38 Current Market Landscape and Geopolitical Concerns14:02 Understanding Stratify's Unique Investment Strategies21:48 Hosts' Investment Plans and Sectors of Interest28:03 The Energy Debate: Investment Perspectives31:15 Financial Services: A Resurgence on the Horizon?34:49 Industrials and Defense: Investing in Uncertainty40:38 Tech Stocks: Overvalued or Here to Stay?50:24 Investment Projections: Looking AheadAll 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 USThank 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate.

Are you one of the 1.8 million homeowners planning to remortgage this year? In our latest podcast, Paul Thomas shares insights on the 2026 mortgage market and what rate cuts might mean for you. With some bullish forecasts, could we see rates drop as low as 2.75%? Paul explains:-There is a consensus that mortgage rates may decrease this year.-Economic indicators like inflation and employment significantly impact mortgage rates.-Homeowners should not panic about recent low property sales in their area.-Remortgaging can be beneficial, but timing and market conditions matter.-It's essential to explore multiple mortgage options before making a decision.-Staying with the same lender can simplify the remortgaging process.-Don't leave remortgaging decisions until the last minute.-The housing market may improve as economic conditions stabilize.-Understanding the mortgage market dynamics is crucial for homeowners.-There are reasons to be hopeful for better mortgage rates in the near future.Chapters00:00 Introduction to the Mortgage Market Discussion02:57 Current Trends in Mortgage Rates05:32 The Impact of Economic Indicators on Mortgages08:30 Understanding Remortgaging and Its Challenges11:05 Navigating the Mortgage Market: Tips for Homeowners13:46 Future Outlook for Mortgage Rates and Housing Market16:45 Practical Steps for Remortgaging19:28 Final Thoughts and ConclusionCONNECT WITH USThank 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate.

Having a financial survival kit is critical in a world that is becoming less safe and the future direction of economies becomes more uncertain. So what should you have in it?In this week’s episode, Ed and Chris consider some of the basics you need for a financial survival kit, plus one other that most people forget: life insurance and income protection.The guys welcome onto the show Cavendish Online’s Ollie Popham to look at how life insurance and income protection work and how it can form a key part of your financial emergency preparedness. Income protection in particular is poorly understood but can be extraordinarily beneficial for those who might not even think they need it. This is especially the case for those of us who think we’ll never fall ill or be unable to work - something that affects way more people than you might imagine. Ed urges everyone to at least try going through the process to see what cover they might be able to get and how much it would cost. The price of such products might surprise you, especially if you’re young, fit and otherwise healthy now. If you’d like to learn more about Cavendish Online and the brokering they offer for protection products, check out their website: https://www.cavendishonline.co.uk/Chapters00:00 Introduction and New Beginnings02:48 The Concept of Financial Survival Kits05:30 The Importance of Insurance in Financial Planning08:07 Understanding Life and Income Protection Insurance11:09 Navigating the Costs of Income Protection13:44 The Role of Cavendish Online in Insurance16:44 Personal Experiences with Insurance19:15 The Value of Comprehensive Coverage22:04 Final Thoughts and RecommendationsCONNECT WITH USThank 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate.

Comedian Mark Watson shares a brutally honest look at the money, risk and resilience behind a career in comedy: from surviving £100 gigs to navigating tax, kids and the cost of living crisis.In this episode of the Mouthy Money podcast, guest editor Vix Leyton joins host Chris Tuite while normal host Edmund Greaves is on paternity leave, and they’re joined by comedian and author Mark Watson.Mark breaks down the financial reality behind a career in comedy: early years living on the bare minimum, taking side jobs, and treating every £100 gig as immediate rent money. He tackles a common myth head-on, being on TV or radio doesn’t automatically mean you’re wealthy and explains how many comics run at a loss for years once you factor in travel and unpaid/low-paid gigs.Mark describes the “grown-up” financial turning points for freelancers: getting an accountant, taking tax and VAT seriously, and learning to budget around irregular income where payments can arrive months late (or not at all). Mark’s practical advice: pay for professional financial help because creative income is messy, and don’t mentally spend money until it’s in your account. His broader philosophy is blunt: life will drain money into boring necessities anyway, so if you can, enjoy some of it now.Chapters00:00 The reality of irregular income and early financial survival as a comedian00:34 Podcast introductions and Mark Watson’s career background02:05 Breaking into comedy: low pay, free work, London costs, and early sacrifices04:51 Turning point: tax, VAT, accountants, and learning to budget with erratic income06:52 Parenthood, financial anxiety, and long-term money vigilance08:42 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 decline14:51 Corporate gigs, appearances, and how business budgets really behave18:43 Advice for turning passion projects into careers: resilience and realism22:00 Podcasting, creators, and the myth of overnight success23:10 Practical financial advice: accountants, spending, and “surprise money”24:54 Teaching kids (and adults) real-world financial literacy27:02 Light relief: space travel, value for money, and cultural tangents29:14 Mental traps around expected income and financial disappointment32:50 Where to find Mark Watson, current projects, and closing reflectionsCONNECT WITH USThank 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 ⁠⁠[email protected] ⁠⁠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.DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate. 

With Ed on paternity leave, Chris is joined by Vix Leyton (Spendology podcast host and consumer finance expert at Think Money) as guest editor, alongside writer and comedian Siân Docksey, for an open, practical conversation about money, creativity and confidence.At the centre of the episode is Siân’s “Money Coven” - a simple weekly Zoom and WhatsApp accountability group created during a tough financial period. No jargon or hacks, just honesty, consistency and support. The result: debt tackled, income improved and a healthier relationship with money.Together, they cover:Why money is still taboo, particularly in the UKFinancial confidence, shame and genderThe realities of self-employment and creative careersSaving, automation and low-stress investingWhy money works best as a tool for life, not a moral testSmart, 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 InstagramChapters00:00 Introduction and Guest Introductions01:56 The Importance of Financial Confidence for Women04:55 Cultural Attitudes Towards Money10:21 Personal Experiences with Financial Setbacks15:07 Building a Supportive Financial Community20:48 The Impact of Accountability on Financial Health25:21 Navigating Financial Vulnerability27:11 Understanding Money as a Tool30:40 The Emotional Side of Money34:26 Advocating for Financial Transparency in the Arts38:11 Building a Sustainable Creative Career41:09 Knowing Your Worth and Asking for Itfinance, financial confidence, women in finance, personal finance, community support, financial setbacks, arts industry, money management, investing, financial transparencyCONNECT WITH USThank 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate. 

What do you aspire to financially? It could be becoming a millionaire or just owning your own home. But whatever your aspirations are, it feels like it is getting harder and harder to feel like we’re on the right path to that.This week, Chris and Ed dig into the challenges facing people who aspire to make more of their money, from graduates who have the tax system set up against them to those who want to invest but find themselves without the resources to do that.The guys also consider why people hold so much cash despite knowing investing is a better use of their wealth and why there’s room to be positive, even if you’ve only got £50 a month to set aside.Do you feel like we’re at an end to the era of aspiration? Do you still have hope for the future? Let us know in the comments 👇Keywordsaspiration, economic challenges, student debt, investment, financial security, wealth building, economic growth, personal finance, financial education, future planningCONNECT WITH USThank 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate. 

Where next for bitcoin? We’re joined by Daniel Parkinson ‘the Bitcoin IFA’ to review the digital asset’s story of 2025 and where it goes next in 2026.From regulatory shenanigans in the UK to treasury company uncertainty and the whipsaw of recent cycles, Dan explains his thoughts on what could happen to the price given all we know about markets, money printing and investor behaviour.How do you feel about bitcoin’s prospects for the year ahead? Let us know in the comments. 👇Bitcoin, cryptocurrency, digital assets, investing, financial regulation, FCA, market cycles, cryptocurrency investments, Mouthy Money podcast.Chapters00:01 Introducing the episode, co-host Chris, and returning guest Dan (“Bitcoin IFA”) to talk about Bitcoin’s year and what’s next.02:17 FCA lifting its own ban on Bitcoin/Ethereum ETNs, patchy platform access, harsh risk warnings, and Dan even failing the eligibility “tick-box” test.[05:55 ISA chaos: HMRC’s six-month window, forced move to Innovative Finance ISAs, platforms not offering them, and fears of forced selling or loss of tax benefits.08:51 Chris’s Bitcoin journey, institutional signals, UK rule changes, 2025 all-time highs near ~$120k, and feeling far more confident holding Bitcoin long term.11:13 Short-term drawdown since the peak, Dan’s cycles framework (daily/weekly/four-year), expectations for a weekly low and a four-year low in late 2026, and lump-sum vs DCA.19:18 Tech stock froth (e.g. 600x P/E Palantir), Bank of England valuation worries, and the “inherent value” debate comparing Bitcoin, gilts, gold, stocks, and the rubber dinghy analogy.22:30 Bitcoin treasury companies like Strategy: leverage worries, FUD every cycle, dividend buffers, and how traditional finance struggles to understand new Bitcoin-centric models.25:06 Why straightforward Bitcoin exposure (on-chain or ETN) beats opaque corporate wrappers, plus the “vault vs engine/playpen” portfolio idea and where high-volatility crypto fits.29:20 “Bitcoin is dead” headlines, missed early-adopter stories, on-chain whale and OG selling, 95% of Bitcoin mined, future halvings, and the long-term scarcity thesis.35:23 Ongoing money printing, the Fed ending QT, expected liquidity tailwind into markets, and a hopeful close looking ahead to 2026 and the future of Bitcoin.Keywords Bitcoin, cryptocurrency, digital assets, investing, financial regulation, FCA, market cycles, cryptocurrency investments, Mouthy Money podcast.CONNECT WITH USThank 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-moneyDiscover 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate. 

The 2025 Budget has finally landed - Ed and Chris unpick three key areas you need to be aware of for your money and long-term wealth.What’s your take on the big moves? Let us know in the comments. 👇The announcements include big threshold freezes to income taxes and a sneaky student loan earnings threshold freeze. Savers have also been hit with hikes to dividend taxes, savings taxes and pension salary sacrifice allowances. Meanwhile the Cash ISA allowance cut has finally been confirmed, leaving savers less space to shelter their cash from tax.And finally, the guys consider the implications of the new ‘mansion tax’ which will just make the already broken council tax system even worse, all while generating an embarrassingly small amount of money.CONNECT WITH USThank 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate.

What does it mean to be “rich” in Britain in 2025?In this episode of the Mouthy Money podcast, editor Edmund Greaves and co-host Chris Tuite examine how people in the UK think about wealth, why many don’t feel rich even on high incomes, and what this means for policy, politics and personal finances.Drawing on recent research reported in The Times, they discuss why around 90% of people earning £100,000–£125,000 a year don’t consider themselves rich, and how cost of living pressures, inflation and stagnant wage growth have reshaped what “wealthy” feels like. They contrast subjective feelings of comfort or precarity with objective indicators such as income, home ownership, pensions and savings.SOURCESWealth report in the Times: https://www.thetimes.com/money/family-finances/article/what-it-takes-to-be-rich-in-britain-today-gxw3grh3fIFS 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 USThank 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-moneyDiscover 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 ⁠⁠[email protected] ⁠⁠🔎 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.DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate.

For generations, owning a home has been at the heart of the British dream, the ultimate sign of financial success and stability. But in 2025, is property still the sure-fire investment it’s cracked up to be? In this episode of the Mouthy Money Podcast, hosts Edmund Greaves and Chris Tuite are joined by Marianna Hunt, Associate Director at Fidelity International, to dig into the numbers behind the nation’s love affair with bricks and mortar.Marianna shares eye-opening new research revealing that UK property has lost money in real terms over the past few years when inflation is factored in. She explains why the old mantra of “my home is my pension” could leave people exposed and why a mix of pensions, ISAs, and global investments may be a smarter way to build long-term wealth.Together, the trio explore how cultural attitudes, rising interest rates and shifting affordability have reshaped the property market. They also discuss the emotional side of home ownership, from the security it brings to the stress of tying up all your savings in one asset.💬 In this episode:Why property isn’t the guaranteed win many believeHow homeownership fits into a balanced financial planThe real returns on property vs global stocksWhy Brits invest so little outside of housingSimple, practical tips for diversifying your moneyIf you’ve ever wondered whether buying a house is the best route to financial freedom, or if your “property-as-pension” plan still stacks up, this is essential listening for anyone thinking seriously about money, housing and their future.⏱️ Chapters00:00 - Intro03:09 - Chris and Ed’s view of their properties08:50 - The truth about property as an investment12:45 - “My property is my pension”?16:10 - Diversifying beyond bricks and mortar19:50 - Why Brits love property so much25:40 - Building a balanced financial plan30:10 - Final thoughtsCONNECT WITH USThank 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate.

Brewdog is perhaps the poster child of the crowdfunding movement in the UK. Popularised under the ‘Equity for Punks’ schemes, after years of free beer cases one investor has now been left with a sour taste in his mouth.Anthony Morrow, a respected founder, business owner and investor shares his experiences as a Brewdog crowdfunder and on other schemes such as burritos and Deliveroo.He thinks that anyone thinking about the offer of crowdfunding should be very careful and aware of the drawbacks. Ed and Chris share their experiences too. Ed has invested at one time in the Monzo crowdfund campaign, but is still waiting to see if his ‘on paper’ gains come to fruition. Chris, meanwhile, has never crowdfunded but intends to invest in his local community pub when he gets the opportunity. The guys share their wider thoughts on whether crowdfunding is worthwhile, or if it is a way for companies to capture online audiences who think they have a stake in the business, only to be sold down the river by venture capitalists behind the scenes.They also look at the wider implications for equity markets in the UK, including why initial public offerings (IPOs) aren’t necessarily a good time to buy, instead they should be understood as an exit point for successful founders and early-stage investors.But ultimately, they agree that public and open investment markets are better for the health of businesses and private investors looking to their long-term portfolio growth.Let us know what you think in the comments and don’t forget to like and subscribe for more about money and wealth!CHAPTERS00:00 Introduction02:26 Brewdog a case study in crowdfunding11:57 The risks and rewards of crowdfunding16:13 IPOs and the realities of investing in public markets23:12 the future of crowdfunding and investing in themCONNECT WITH USThank 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-moneyDiscover 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate.

It’s easy to be drawn into ideas that promise high returns and low effort or risk - but for the most part this is either deluded or a straightforward scam.Pushing back against the more toxic types of online ‘hustle culture’ means redefining what our income is and how we use it to ensure long-term wealth growth. This means thinking of our income as an asset to be used, valued, nurtured and grown - instead of hoping for a miracle down the road.A concept made famous by American financial influencers such as Dave Ramsey the idea that ‘income is your most valuable asset’ can help us to ensure we’re not then giving that asset away - be it through debt, overspending or bad investments.Instead its about ensuring that your income is working as hard as possible to achieve your long-term goals. As our routine mantra on the podcast goes - this means making a plan and sticking to it. Let us know your thoughts in the comments. How do you ensure your income is working as hard as possible for your long-term future financial health?00:00 Introduction to income as an asset01:47 Understanding hustle culture07:42 The philosophy behind income as an asset idea09:37 Realistic wealth building strategies13:37 Practical aspects of managing income18:54 Stability and decision making with money20:31 Celebrating small victories and continuous learningTAKEAWAYS-Income is an asset that should be leveraged for wealth.-Simply earning income won't make you a millionaire.-Establish a clear understanding of your income.-Think strategically about using income for investments.-Income should not just cover bills but build wealth.-Long-term wealth requires active management of income.-Investing income wisely is crucial for financial growth.-Understanding income's role can change financial perspectives.-Wealth building is a proactive process, not passive.-Income management is key to financial success.CONNECT WITH USThank 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 ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate. 

Are index-tracking passive funds too concentrated on US tech? Fears are rising that, thanks to the wild success of the so-called ‘Magnificent Seven’ tech stocks, investors in passive index funds are becoming over-exposed to a small number of equities.We’re joined by Mohneet Dhir, co-founder of advice firm &together and former Vanguard Lifestrategy fund manager, to look at whether market concentration is a real concern and if investors can pick active funds to avoid the problem. Let us know in the comments what you think of the market concentration issue. Has it changed your investing plans? SHOW NOTESYou can find more about Mohneet and &together here:https://and-together.co.uk/about-us/Chapters00:00 Introduction to Investment Strategies02:57 Understanding Fund Management and Antogether05:26 The Passive vs Active Investment Debate11:02 Exploring Vanguard's Life Strategy Funds16:28 Market Concentration and Its Implications22:20 The Role of Fund Managers and Investment Selection27:25 Navigating Investment Choices and DiversificationCONNECT WITH USThank 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 podcasts on the go? We’re on Spotify and Apple Podcasts:🔗 https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u🔗 https://podcasts.apple.com › podcast › mouthy-moneyDiscover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter too.Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate.

Are index-tracking passive funds too concentrated on US tech? Fears are rising that, thanks to the wild success of the so-called ‘Magnificent Seven’ tech stocks, investors in passive index funds are becoming over-exposed to a small number of equities.We’re joined by Mohneet Dhir, co-founder of advice firm &together and former Vanguard Lifestrategy fund manager, to look at whether market concentration is a real concern and if investors can pick active funds to avoid the problem. Let us know in the comments what you think of the market concentration issue. Has it changed your investing plans? SHOW NOTESYou can find more about Mohneet and &together here:https://and-together.co.uk/about-us/Chapters00:00 Introduction to Investment Strategies02:57 Understanding Fund Management and Antogether05:26 The Passive vs Active Investment Debate11:02 Exploring Vanguard's Life Strategy Funds16:28 Market Concentration and Its Implications22:20 The Role of Fund Managers and Investment Selection27:25 Navigating Investment Choices and DiversificationCONNECT WITH USThank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter too.Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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/investsmart⁠Please note, video captions are auto-generated and may not be 100% accurate.

Mouthy Money speaks exclusively to one of the world’s major bitcoin ETN providers on launching back to the UK retail crypto market after the FCA ban lifts. 21Shares manages $80 billion of crypto assets including bitcoin and ethereum. Duncan Moir, president at 21Shares, talks to Ed and Chris about the lifting of the crypto ETN ban in the UK including:-What to expect now the ban has lifted-How 21shares crypto ETNs work-Where to buy and hold bitcoin ETNs in the UK-Why some platforms are dragging their feet over listing bitcoin ETNs-Whether they’ll be available in ISAs and pensionsAre you planning on holding bitcoin ETNs in your portfolio now they’ve been approved for retail investors? Let us know in the comments, we’re always keen to hear from our community!SHOW NOTESFind out more about 21Shares on their website:https://www.21shares.com/en-euChapters00:00 Introduction to Bitcoin and Market Changes02:01 The Lifting of the Ban on Crypto ETNs05:32 Understanding Crypto ETNs and Their Benefits10:56 Market Demand and Consumer Interest in Crypto ETNs16:13 Platforms for Trading Crypto ETNs21:31 Tax Implications and Investment Accounts for Crypto ETNs27:17 The Future of Bitcoin and Investment StrategiesBitcoin, ETNs, cryptocurrency, investment, regulation, UK market, Duncan Moir, 21 Shares, financial advice, crypto security, ISAs, pensions, cryptoassetsJOIN OUR COMMUNITYThank 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.Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter.Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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

Investing can be an emotional process. Especially because it is your money at stake. Markets are at a strange juncture too - with rumours of AI bubbles, gold soaring and bitcoin hitting all-time highs. It is easy to be swept up by euphoria, or scared into making mistakes. But what if there was a way to take all the human emotions out of it?We’re joined this week by Stratiphy founder Daniel Gold to talk about his solution to this problem - quantitative or ‘quant’ investing for the masses.Typically the preserve of billion dollar investment banks, Stratiphy allows investors to use mathematical, AI and data-driven investment methods that disregard emotion-led decisions and focus on the numbers.We want to know what you think too. Do you pore over company results? Do you let your heart make the decisions and let your head figure it out later? Let us know your investment style in the comments. SHOW NOTESYou can find more about Stratiphy here:https://www.stratiphy.io/And download their app here:App Storehttps://apps.apple.com/gb/app/stratiphy/id1550112891Google Playhttps://play.google.com/store/apps/details?id=io.stratiphy.appYou can also find out about Stratiphy’s own crowdfunding campaign, mentioned by Daniel, here:https://www.crowdcube.com/early-access/stratiphy25Chapters00:00 Introduction to the Podcast and Guests01:00 Understanding Quantitative Investing03:00 Market Overview: Head vs. Heart in Investing08:53 Exploring Quantitative vs. Fundamental Investing11:08 Stratify: Making Quant Investing Accessible13:49 Long-Term Wealth Generation with Stratify17:00 The Role of Data in Investment Strategies19:00 Investment Options and Partnerships20:42 Understanding User Preferences in Investing23:03 Performance in Bear Markets and Economic Downturns29:47 Fees and Accessibility of Stratify32:41 Conclusion and Final ThoughtsCONNECT WITH USThank 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 podcasts on the go? We’re on Spotify and Apple Podcasts:https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4uhttps://podcasts.apple.com › podcast › mouthy-moneyDiscover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter too.Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected] ⁠⁠DISCLAIMERThis 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

Not everyone gets help from their parents when they start out in life. From building a safety net or ‘rainy day fund’ to cobbling together a house deposit - many have to scrimp and save in order to achieve their early goals.We’re delighted this week to be joined by HMRC’s Emma Ferris to help us dig into getting started with saving. Emma explains to Chris and Ed how the Help to Save scheme works, who it is available for and what to expect. Plus, the hosts both talk about their own experiences ‘starting from zero’ some of the things they’ve learned and mistakes they made along the way.Let us know how you got started in life, we’d love to hear how people began their long-term savings journey!SHOW NOTESFor more information on the UK Government’s Help to Save scheme please visit:https://www.gov.uk/get-help-savings-low-incomeOr on the HMRC app:https://www.gov.uk/guidance/download-the-hmrc-appChapters00:00 Starting from Zero: Personal Financial Journeys06:06 Understanding Help to Save Scheme14:50 Building Financial Resilience and Habits18:46 The Importance of Saving and Planning for the FutureCONNECT WITH USThank 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 tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected]⁠⁠DISCLAIMERThis 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

When does your money start working harder than you?Renowned investor Charlie Munger once said that saving the first 100k of wealth was the hardest part. After that, the ‘tipping point’ meant interest earned would make future compounding ever easier. In our latest episode, Chris considers his family’s own wealth tipping point and how he calculated it. Plus Ed asks some searching questions over whether the concept of a wealth tipping point really can work for everyone. Do you find the concept of a wealth tipping point? Has it galvanised your efforts to hit the magic number? Let us know in the comments.SHOW NOTESChapters00:00 Introduction to the Tipping Point Concept01:08 Understanding Compound Interest and Its Importance04:28 The Role of Passive Income in Investments08:25 Calculating Your Tipping Point11:15 Practical Considerations for Reaching Your Tipping Point14:12 What to Do After Hitting the Tipping Point19:16 Cautions and Psychological Aspects of Investment22:23 Final Thoughts on Investment StrategiesCONNECT WITH USThank 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 tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected]⁠⁠DISCLAIMERThis 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

With economic storm clouds on the horizon and Governments printing their money into oblivion, Mouthy Money podcast host Edmund Greaves is taking a big step with his pension investing - he’s getting into gold and maybe bitcoin too. He explains to co-host Chris Tuite why he’s allocating some of his money into gold as a hedge against the economic malaise, why he’s considering physical bullion and where bitcoin could now slot into his defensive plans when it becomes available again in the UK after 8th October. We want your views on Edmund’s choices. Is gold a good place to be? Or should he be in bitcoin as the world’s most modern alternative asset? Let us know in the comments, and don’t forget to like and subscribe for more.See our past bitcoin chat with Daniel Parkinson (referenced in the video) here: https://youtu.be/djYpGxGMVLA?si=zlmNm6qcKYMo3Df6 SHOW NOTESChapters00:00 Introduction and Current Economic Climate02:49 Investment Strategies: Gold vs. Bitcoin05:32 The Case for Gold as a Safe Haven10:54 Exploring Bitcoin as an Alternative Investment16:42 Final Thoughts on Diversification and Risk ManagementSound Bites"Is gold the only safe haven?""Gold is the oldest asset in history.""It's about having skin in the game."CONNECT WITH USThank 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 tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected]⁠⁠DISCLAIMERThis 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

What would happen if your salary suddenly stopped? Most ofus live month-to-month on our pay, but few have a real safety net. In this episode, Edmund Greaves and Chris Tuite (MRM) sit down with Dale North, CEO of Pure Protect, to demystify the world of “protection”: life cover, critical illness, income protection, and family income benefit.We talk about the shocking reality that the average incomeprotection claims tend to last months and years, not weeks. How COVID changed the way people think about fragility of their income. The reality around claims payouts and why you should review your protection cover every two years and notjust set and forget. Packed with real client stories and practical examples, thisepisode is a clear roadmap to building a contingency plan your family will thank you for.Chapters:00:00 What if your pay stopped tomorrow?01:20 What “protection” really means03:36 Why mortgages trigger protection conversations06:53 The shocking stat on income protection claims09:35 COVID and the fragility of income12:38 Making cover affordable13:13 Family Income Benefit explained15:32 Real client stories of protection in action16:21 Do insurers really pay?20:12 Costs, commissions, and affordability26:34 Two incomes, unequal risk27:05 The advice journey and underwriting33:08 Don’t set & forget: reviews matter36:00 Trusts: faster payouts, fewer headaches38:18 Wrap-up & actionsSHOW NOTES Visit Pure Protect at pureprotect.co.ukCONNECT WITH USThank 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/ andsubscribe to our weekly newsletter tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected]⁠⁠DISCLAIMERThis 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 aregulated 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 canafford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

The rise of financial influencers or ‘finfluencers’ has been one of the biggest trends in online financial media in the past five years. Now with huge audiences, even the Prime Minister is tapping into their online reach.Mouthy Money speaks to one of the UK’s most prominent online financial creators, Gabriel Nussbaum, otherwise known as ‘That Money Guy’ who has garnered an audience of millions for his playful but straight talking and digestible financial social posts.Gabriel talks to hosts Ed and Chris about everything from common financial mistakes to the psychology of managing money, how finfluencers earn a living and identifying red flags in online social content. SHOW NOTESGabriel’s (That Money Guy) channels:https://www.tiktok.com/@gabriel.nussbaumhttps://www.instagram.com/gabrielinussbaum/https://www.linkedin.com/in/gabriel-nussbaum/https://www.facebook.com/gabrielinussbaum/CONNECT WITH USThank 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 tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected]⁠⁠DISCLAIMERThis 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

It’s easy to find influencers online who project an image of home living perfection. But did you ever wonder how they pay for it?Small improvements can be funded from savings, 0% cards or normal loans but bigger projects require either remortgaging or what is called a ‘second charge mortgage’Mouthy Money speaks to David Coleman from Positive Lending, a leader provider of second charge mortgages.David breaks down for Ed and Chris how the loans work, what people need to consider when looking at ways to fund their home improvement and what to look out for in the process. More about Positive Lendinghttps://positivelending.co.ukDavid Colemanhttps://www.linkedin.com/in/david-coleman-44855226/CONNECT WITH USThank 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 tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected]⁠⁠DISCLAIMERThis 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

Edmund Greaves and Chris Tuite chat with workplace finance expert Matthew Mitten about why money at work really matters. From pensions and digital tools to the psychology of spending, they dig into how employers can step up, get staff engaged, and finally make financial wellbeing more than just a buzzword.More about SecondSight: https://second-sight.com/news/secondsights-key-happy-clients/More about Foster Denovo: https://www.fosterdenovo.com/CONNECT WITH USThank 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 ⁠www.mouthymoney.co.uk⁠ and subscribe to our weekly newsletter tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠[email protected]⁠ DISCLAIMERThis 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

Do you worry about the little things when it comes to money? We might have the answer!Mouthy Money meets Mat Megens, founder of money app HyperJar and author of 10 things I love about money.We find out about what led Mat from a farm in Canada to a high finance career, fintech founder and now money author and how the book can help normal people better understand, and build, their money up.Want to win a copy of the book? We’re giving away six to lucky readers! Head to the link below to find out how to enter:https://www.mouthymoney.co.uk/competitions/win-a-copy-of-10-things-i-love-about-money-by-mat-megens/ SHOW NOTES10 things I love about money by Mat Megenshttps://www.amazon.co.uk/Things-Love-About-Money-Happiness/dp/1394299753Mouthy Money book giveawayhttps://www.mouthymoney.co.uk/competitions/win-a-copy-of-10-things-i-love-about-money-by-mat-megens/HyperJarhttps://hyperjar.com CONNECT WITH USThank 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 www.mouthymoney.co.uk and subscribe to our weekly newsletter tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at [email protected] DISCLAIMERThis 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

Is it time to put Bitcoin in your ISA?Bitcoin is clearly not going away. With massive financial institutions now holder of the digital token, the price has soared in recent years Now, bitcoin could soon be available in your ISA – making it a tax-free investment for the first time in the UKDaniel Parkinson ‘the Bitcoin IFA’ helps us dig deeper into the history of bitcoin, why it is a compelling asset class and how people can hold it safely in 2025Please note: this episode was recorded before the FCA announced the opening on retail investment access to bitcoin ETNs in the UK. More on that here: https://www.fca.org.uk/news/press-releases/fca-opens-retail-access-crypto-etns #bitcoin #fiatcurrency #ISAs #tax  SHOW NOTESThe Bitcoin IFAhttps://www.thebitcoinifa.comhttps://www.linkedin.com/in/parkinsondaniel/What’s the problem? By Joe Bryanhttps://www.youtube.com/watch?v=YtFOxNbmD38The Bitcoin Standard by Saifedean Ammoushttps://www.amazon.co.uk/Bitcoin-Standard-Decentralized-Alternative-Central/dp/1119473861Strike Apphttps://strike.me/en-GB/CoinCornerhttps://www.coincorner.com CONNECT WITH USThank 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 www.mouthymoney.co.uk and subscribe to our weekly newsletter tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at [email protected] DISCLAIMERThis 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

It could be a walk in the park, a pint with your mates or even in the shower - financial decisions can happen in the oddest of places. In this episode of the Mouthy Money podcast, hosts Edmund Greaves and Chris Tuite are joined by friend of the show Mike Ambery from Standard Life to discuss the strange (but strangely relatable) spots where people make financial choices and why it actually matters. From pub chats that turn into life plans to emotional money moments, they explore how your environment and mindset can shape your financial future. Expect personal stories, and a few surprising truths about what really drives our money moves.Follow us on: Instagram: ⁠⁠⁠⁠⁠⁠⁠Mouthy Money (@mouthymoney) • Instagram photos and videos⁠⁠⁠⁠⁠⁠⁠LinkedIn: ⁠⁠⁠⁠⁠⁠⁠(20) Mouthy Money : My Company | LinkedIn⁠⁠⁠⁠⁠⁠⁠Tik Tok: ⁠⁠⁠⁠⁠⁠⁠(99+)mouthymoney (@mouthymoney1) | TikTok⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠(10) Mouthy Money (@mouthymoney) / X⁠⁠⁠⁠Disclaimer:The Mouthy Money podcast is produced for general informational purposes only. It should not be construed as investment, legal, tax 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 fca.org.uk/investsmart

Edmund Greaves and Chris Tuite chat about the highs and lows of summer holidays, sparked by Chris’s recent trip that quickly turned into a travel horror story thanks to a hotel mishap. From surprise airline charges to inflation making everything more expensive, they unpack the true cost of travel in 2025. They also share practical tips on knowing your rights, making the most of travel insurance and what to do when your break doesn’t go to plan.Follow us on: Instagram: ⁠⁠⁠⁠⁠⁠⁠Mouthy Money (@mouthymoney) • Instagram photos and videos⁠⁠⁠⁠⁠⁠⁠LinkedIn: ⁠⁠⁠⁠⁠⁠⁠(20) Mouthy Money : My Company | LinkedIn⁠⁠⁠⁠⁠⁠⁠Tik Tok: ⁠⁠⁠⁠⁠⁠⁠(99+)mouthymoney (@mouthymoney1) | TikTok⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠(10) Mouthy Money (@mouthymoney) / X⁠⁠⁠⁠Disclaimer:The Mouthy Money podcast is produced for general informational purposes only. It should not be construed as investment, legal, tax 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 fca.org.uk/investsmart

Chris Tuite chats with Will Rhind from Habito about the reality of getting a mortgage in 2025: from sky-high house prices to creative lender solutions. They unpack what’s making life harder for first-time buyers (spoiler: it’s not just the Bank of Mum and Dad), and why some lenders are bringing back 100% mortgages. They also cover new government moves like using rent payments in credit scores, and how AI is starting to shape the home-buying process (without replacing real people – yet).Follow us on: Instagram: ⁠⁠⁠⁠⁠⁠⁠Mouthy Money (@mouthymoney) • Instagram photos and videos⁠⁠⁠⁠⁠⁠⁠LinkedIn: ⁠⁠⁠⁠⁠⁠⁠(20) Mouthy Money : My Company | LinkedIn⁠⁠⁠⁠⁠⁠⁠Tik Tok: ⁠⁠⁠⁠⁠⁠⁠(99+)mouthymoney (@mouthymoney1) | TikTok⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠(10) Mouthy Money (@mouthymoney) / X⁠⁠⁠⁠Disclaimer:The Mouthy Money podcast is produced for general informational purposes only. It should not be construed as investment, legal, tax 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 fca.org.uk/investsmart

Is the UK housing market heading for a correction - or a comeback? In this episode, hosts Edmund Greaves and Chris Tuite dig into what’s really going on, focusing in on London’s prime housing sector as a bellwether for broader trends.They break down the latest price movements, what they mean for homeowners (especially those thinking long-term), and how policymakers like the Bank of England and the government might respond next. If you're planning your next move - or just curious about where the market's going - this one’s for you.Follow us on: Instagram: ⁠⁠⁠⁠⁠⁠⁠Mouthy Money (@mouthymoney) • Instagram photos and videos⁠⁠⁠⁠⁠⁠⁠LinkedIn: ⁠⁠⁠⁠⁠⁠⁠(20) Mouthy Money : My Company | LinkedIn⁠⁠⁠⁠⁠⁠⁠Tik Tok: ⁠⁠⁠⁠⁠⁠⁠(99+)mouthymoney (@mouthymoney1) | TikTok⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠(10) Mouthy Money (@mouthymoney) / X⁠⁠⁠⁠Disclaimer:The Mouthy Money podcast is produced for general informational purposes only. It should not be construed as investment, legal, tax 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 fca.org.uk/investsmart

Host Edmund Greaves explains to Chris Tuite his upcoming plans to move home and the problems this has raised. He recounts that his house price is going down not up, the limitations set by his mortgage provider and affordability issues thanks to higher rates. The guys also look at the wider property market to consider if a house price crash might be coming.Follow us on: Instagram: ⁠⁠⁠⁠⁠⁠⁠Mouthy Money (@mouthymoney) • Instagram photos and videos⁠⁠⁠⁠⁠⁠⁠LinkedIn: ⁠⁠⁠⁠⁠⁠⁠(20) Mouthy Money : My Company | LinkedIn⁠⁠⁠⁠⁠⁠⁠Tik Tok: ⁠⁠⁠⁠⁠⁠⁠(99+)mouthymoney (@mouthymoney1) | TikTok⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠(10) Mouthy Money (@mouthymoney) / X⁠⁠⁠⁠Disclaimer:The Mouthy Money podcast is produced for general informational purposes only. It should not be construed as investment, legal, tax 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 fca.org.uk/investsmart

The UK depends on the NHS for its healthcare. But is an alternative rising? Hosts Edmund Greaves and Chris Tuite speak with Dr Katie Tryon, chief commercial officer at health insurance firm Vitality about the ins and outs of health insurance as an alternative to the NHS for healthcare needs and the potential financial costs and benefits of a policy.Follow us on: Instagram: ⁠⁠⁠⁠⁠⁠⁠Mouthy Money (@mouthymoney) • Instagram photos and videos⁠⁠⁠⁠⁠⁠⁠LinkedIn: ⁠⁠⁠⁠⁠⁠⁠(20) Mouthy Money : My Company | LinkedIn⁠⁠⁠⁠⁠⁠⁠Tik Tok: ⁠⁠⁠⁠⁠⁠⁠(99+)mouthymoney (@mouthymoney1) | TikTok⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠(10) Mouthy Money (@mouthymoney) / X⁠⁠⁠⁠Disclaimer:The Mouthy Money podcast is produced for general informational purposes only. It should not be construed as investment, legal, tax 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 fca.org.uk/investsmart

Host Edmund Greaves and guest Chris Tuite are joined by Cali Sullivan from the Pensions and Lifetime Savings Association (PLSA) for a conversation about retirement living standards. They chat about the PLSA’s latest updates to the minimum, moderate, and comfortable retirement benchmarks and what these really mean for your future. They explores how housing, lifestyle, and personal circumstances can drastically shift retirement planning needs, and why a one-size-fits-all approach doesn’t cut it anymore.Follow us on: Instagram: ⁠⁠⁠⁠⁠⁠Mouthy Money (@mouthymoney) • Instagram photos and videos⁠⁠⁠⁠⁠⁠LinkedIn: ⁠⁠⁠⁠⁠⁠(20) Mouthy Money : My Company | LinkedIn⁠⁠⁠⁠⁠⁠Tik Tok: ⁠⁠⁠⁠⁠⁠(99+)mouthymoney (@mouthymoney1) | TikTok⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠(10) Mouthy Money (@mouthymoney) / X⁠⁠⁠Disclaimer:The Mouthy Money podcast is produced for general informational purposes only. It should not be construed as investment, legal, tax 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 fca.org.uk/investsmart