The Making Money Simple Podcast

📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠⁠⁠⁠click here⁠⁠

📈 Top broker offers: ⁠⁠click here⁠⁠🌎 Global index fund & ETF cheat sheet: click here-----------------------------------------More Investing:📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠⁠⁠click here⁠⁠

📈 How I can help you: ⁠click here⁠Three important lessons: time in the market, getting your 'setup' right, avoiding behavioral pitfalls.All discussed in this episode after the market update! -----------------------------------------More Investing:📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠⁠click here⁠-----------------------------------------Timestamps:0:00 - Market update5:19 - Lesson 17:53 - Lesson 211:34 - Lesson 3

💡 Stocks & Shares ISA comparison tool: click here📈 How I can help you: click hereWhat is the best Stocks & Shares ISA for the current tax year?Overall - it will depend on your specific preferences.In this episode we discuss reputation, fees, accounts and investments offered, and more - to help you pick the best Stocks & Shares ISA for your situation. You can use the tool linked above to work out how much you may pay in fees, a full ISA comparison and the 'fund availability' on each platform. I hope it helps!-----------------------------------------More Investing:📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠click here-----------------------------------------Timestamps:0:0 - What is the best S&S ISA?2:03 - The selection has never been better2:27 - Key criteria when selecting your ISA4:52 - Reputation and safety5:52 - Fees9:51 - Other accounts offered12:08 - Investments offered13:33 - Fractional investing and automatic investing15:44 - What about Vanguard, HL, AJ Bell?18:00 - What is the best S&S ISA?

Sammie from @UpTheGainsMoney (and The Money Gains Podcast) joined me on this podcast episode.You can check out the the Gains app ⁠here⁠.Being a founder/entrepreneur, I asked him 9 important questions (each question is timestamped below).From AI tools and self employment vs 9-5, to building a business and raising money from investors.Listen to the episode for the full details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact-----------------------------------------Timestamps:0:00 - Are taxes too high in the UK?3:55 - How to improve business-building in the UK?6:29 - Are people actually leaving the UK for Dubai?10:36 - What are the biggest entrepreneur learning curves?15:15 - What is the app you’re building?20:10 - What’s it like raising money?25:11 - What’s been the hardest thing?27:52 - What AI tools are worth using?33:13 - Thoughts on self employment vs 9-5?

If you need help with your investing accounts: https://www.makingmoneysimple.co.uk/In this episode we cover everything to do with Stocks & Shares Lifetime ISAs:What they areTheir pros and consS&S LISA vs Cash LISAWhether you should use themThe best S&S LISA providers - https://www.moneysavingexpert.com/savings/lifetime-isas/#bestbuysstocks The maths behind why a pension might be betterWhy I stopped contributing to my own S&S LISAI hope you find this episode helpful!-----------------------------------------More Investing:📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠click here⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠click here⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠click here⁠

This is a special episode. Ian, a previous course student, joins me to discuss his investing journey... and he drops a lot of gems!From not even having a credit card and selling at a 3p loss due to nervousness.To now having a Stocks & Shares ISA and SIPP, and a workplace pension he's taken control of, investing for the long term. If you're a nervous investor or a beginner investor, this episode will be perfect for you.It will help you out and show just how much you can change within a few months.Mentioned in this video:Get involved in the next 4-week Investing Course - click hereWorkplace pension video - click herePrevious podcast where I answered Ian's questions during the course - click hereListen to the episode for the full details!-----------------------------------------More Investing:📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠click here⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠click here⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠click here⁠-----------------------------------------Timestamps:0:00 - Intro3:30 - Which S&S ISA and ETF?7:01 - Panic selling10:48 - Workplace pension and SIPP17:29 - Crypto investments23:45 - Global diversification26:39 - Plan going forward29:50 - The best time to start32:3 - Spreading the word

Download the end-of-tax-year 20 question checklist here.Other things mentioned in this episode:Claim extra tax relief back - hereTax cliff YouTube video, if you earn more than £50,270 - here Thanks for listening! -----------------------------------------More Investing:📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠click here⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠click here⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - click here-----------------------------------------Timestamps:0:00 - 20 end of tax year questions1:32 - ISAs3:20 - Important Cash ISA point5:59 - Pensions7:43 - Important action: tax relief9:38 - Biggest change: dividends11:24 - Capital gains tax (and bed & ISA)13:45 - Inheritance tax14:16 - Limited company directors15:32 - Most important reminder

In this episode I share my honest thoughts on 'passive income'. Is passive income too good to be true?Usually, in my opinion. But not always.That's what we delve deeper into in this one. -----------------------------------------More Investing:📝 How I can help you & download my free investing guide to help you start investing - ⁠⁠click here⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠click here⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Will AI Replace Accountants, Auditors or Finance Business Partners? Owen from 'Owen Talks Finance' joins me on this podcast episode to discuss this very topical question.In this episode, we go through:How to use AI to enhance your jobWhat jobs are at risk due to AI The pros and cons of using AI in the workplaceHow AI can improve your personal lifeAnd moreListen to the episode for the full details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Thanks for listening to this episode!Source: https://www.etfstream.com/articles/vanguard-plots-size-factor-etf-rollout-in-upcoming-launch-spreeIs anyone planning on investing in this new FTSE Global All Cap ETF once it's released? -----------------------------------------More Investing:📝 How I can help you & download my free investing guide to help you start investing - ⁠click here⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠click here⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Listen to this next - ⁠ EVERYTHING You Need To Know About Pensions (State, Workplace, SIPPs & more)In this podcast episode, we answer a great question:'Should I use a workplace pension, SIPP or Stocks & Shares ISA?'In really comes down to tax optimisation vs flexibility.In this episode we break down the key differences, when each one makes sense and the simple framework I use to decide which one to focu on.Listen to the podcast episode for the full details.And thanks for the question Craig! If you have a question, feel free to email me: [email protected] -----------------------------------------More Investing:📝 How I can help you & download my free investing guide to help you start investing - click here📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - click here-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Christos from Fellas Finance joins me on this episode to discuss his investing journey.From early mistakes, to building up a £120k portfolio by 34, to aiming to get to £1m by 50.This episode is an insight into Christos' journey to date and future plans.In this episode we also discuss overpaying your mortgage vs investing, the biggest determinants of investing success, what we personally invest into, and more. Listen to the episode for the full details. -----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Sign up to my email newsletter - https://www.makingmoneysimple.co.uk/NewsletterWorkplace pension YouTube video - https://youtu.be/idEI30WR5RYHow I can help you - https://www.makingmoneysimple.co.uk/-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

My website & how I can help you - https://www.makingmoneysimple.co.uk/New Vanguard Global LifeStrategy funds - https://www.vanguardinvestor.co.uk/articles/latest-thoughts/how-it-works/introducing-lifestrategy-global-a-new-way-to-diversify-your-portfolioFreetrade fee change - https://freetrade.io/blog/free-pension-free-funds?lid=3w0mpl2166lw&utm_source=braze&utm_medium=email&utm_campaign=2026_01_23_Free_SIPP_Free_Mutual_Funds_Service&utm_variant=Variant%201HL fee change - https://www.hl.co.uk/help/income-and-fees/fees-explained/fee-changesPotential LISA changes - https://moneyweek.com/personal-finance/isas/lifetime-isa-reform-new-product-retirement-option-scrappedTimestamps:0:00 - Intro0:48 - New Vanguard Global LifeStrategy funds4:08 - Freetrade fee change 9:06 - HL fee change 13:34 - Potential LISA changes-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Will from @nextgenngpf joins me on this episode to discuss 5 of the best side hustles to try in 2026.The first two are open to anyone.The remaining three are also open to anyone, but they're more geared towards those who are already making content online.We discuss each side hustle, the pros, cons, earning potential and what you need to know. Listen to the episode for the full details. -----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Should you invest for your children… or yourself first?Owen from 'Owen Talks Finance' joins me on this podcast episode to discuss both:Investing for yourself, as you bring up childrenAnd investing for your childrenIn this episode, we go through: why your own investing and retirement should probably come first, how to invest for your children, balancing investing for yourself vs your children, why even small amounts for kids are so important - and more.Listen to the episode for the full details. -----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

How I can help you - ⁠⁠click here⁠⁠It took me 6.5 years to reach £100k invested. But here's what often isn't talked about:Most of that wasn't compounding.It was my own contributions.Early on, how much you invest matters far more than what returns you get.If investing feels slow at the start - that's normal. Don't feel disheartened. Stick with it and be consistent.And if you are feeling like this, then this episode is for you and I hope it makes you feel a bit better and reassured.-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Listen to our other episode - What to look for when selecting a fundTom from 'Tom's Personal Finance' joins me on this podcast episode to discuss potentially the best global ETF for UK investors in 2026.We analyse the ETF (Ticker: ACWI) - looking at the index it tracks, what it invests into, the fee, and more. You can take this exact criteria and apply it yourself when assessing funds.Finally, we discuss whether this is the best global ETF and how it compares to other popular global ETFs (VWRP, FWRG).Listen to the podcast episode for the full details.Timestamps:0:00 - Intro1:20 - Index3:40 - Holdings6:32 - Fees8:25 - Other details18:41 - Is this the best global ETF?19:42 - Comparison to other global ETFs (VWRP, FWRG)23:42 - How to pick one25:25 - Outro-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

How I can help you in 2026 - click hereWatch this next - Revealing my £180k portfolioTimestamps:0:00 - My 2025 growth2:28 - Exactly what I invested into in 20258:16 - 2025 capital gains11:45 - Top 3 2025 takeawaysListen to the podcast episode for the full details.-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Listen to this next - What is the best Global ETF? In this podcast episode, we answer a common question:'Do you really only need one global ETF in your investment portfolio?'The answer is yes and no.Yes - if you want to keep your approach as simple as possible.No - due to various reasons. We run through 6 scenarios where you might want to invest into more than just one global ETF. Listen to the podcast episode for the full details.-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Tom from @tom.tpf joins me on this podcast episode to discuss 10 of the top ETF mistakes that investors make.Investing into too many different ETFs, not understanding what an ETF actually invests in, how FX impacts returns, only focusing on an ETFs fee, just to name a few.Listen to the podcast episode for the full details!Other useful episodes mentioned:1. What To Look For When Selecting An Index Fund or ETF - https://open.spotify.com/episode/2sdBm4cFYer5ljiQAGZNC3?si=ZnEqarGUTj6ShWVVma2m_A2. Are UK Investors Worse Off Than US Investors Due To FX? - https://open.spotify.com/episode/2JorWR1NOSYW1vhkEX31Si?si=XJabxL9cT-S0kbxvVJzZTA-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

I've been investing for over 8 years and have built my investment portfolio to £180,000.In this podcast episode, we go through the 10 most important lessons that I've learnt along the way. Listen to the podcast episode for the full details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Georgiy from @Funancialism joined me on this episode of the podcast to discuss ‘alternative investments’. Including his investments into Pokémon cards and one piece cards. I’m a complete beginner in this space, so was asking as many beginner questions as possible. Georgiy dropped a lot of gems and facts, going on to say that everyone should have at least 1% of their portfolio in alternative investments. Listen to the podcast episode for the full details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

The 10 most important things that changed that you need to know after the UK 2025 Budget yesterday.Plus, 8 things that didn't change (that you should still know about).What did you make of the budget? Let me know in the comments below.Listen to the podcast episode for the full details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

In this podcast episode, I answer a question from Scott.The question was: 'Have you ever covered how to invest when you’ve maxed out your 20k isa allowance?'We go through the options, starting with a pension and a general investment account (GIA), before moving onto more niche options and some other ideas - from SEIS/EIS/VCT to crypto and gold and more. We also cover limited companies and the 'order of investing priority', including some scenarios of what investment accounts to prioritise based on your situation. Listen to the podcast episode for the full details.Timestamps:0:00 - Question from Scott1:53 - Pension3:20 - Workplace pension or SIPP?4:38 - General investing account6:55 - Accounts are ‘wrappers’7:38 - SEIS and EIS9:13 - VCTs10:33 - Other options - property11:11 - Crypto11:43 - Gold12:35 - P2P lending13:05 - S&S Lifetime ISA14:04 - Don’t forget saving goals15:29 - Limited company investing16:30 - ‘Order of investing priority’20:51 - Summary22:53 - Outro-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Gold is up big in 2025, but should you invest in it? And if so, how?In this episode, we break down everything you need to know about gold as an investor. From what actually drives gold’s price, to its long term returns (including the real return after inflation), to how much of your portfolio you may want to allocate - the ultimate beginner-friendly guide.We then dive into the 5 main ways to invest in gold, including the pros, cons, fees, and tax implications of each option.These options include: physical gold, ETCs, ETFs, gold mining stocks and digital gold.

In this podcast episode, I answer a question from Jiani.This is a great question and a fairly common question one - is it better to 'lump sum' invest or 'drip feed' / 'cost average' invest.We go through the data, the pros and cons of each approach, some real life examples, what I personally do, and more, in this podcast episode.Listen to the podcast episode for the full details.Timestamps:0:00 - Question from Jiani: Cost averaging vs Lump sum1:24 - What is the difference?2:45 - What the data shows4:17 - Why lump sum investing wins5:13 - Why cost averaging/drip feeding might still be better7:09 - When does each strategy work best?8:31 - Some real life examples10:17 - The ‘lost decade’ where drip feeding won12:08 - The final verdict13:23 - What do I do?14:4 - Outro-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Mat from @thequidsquid joins me on this episode to discuss all things budgeting.From different budgeting methods, to budgeting techniques, to useful budgeting tools and apps, to juggling your budget whilst investing and saving. Mat shares how he used budgeting personally to save for his own house. As well as how to go about budgeting the average UK salary of £35,000.Listen to the podcast episode for the full details!Timestamps:0:00 - Intro1:17 - Different budgeting methods3:25 - 50/30/20 budgeting7:39 - What techniques did Mat follow to save for a house9:45 - Zero-based budget14:14 - Budgeting for investing17:13 - Other budgeting tips - mindset, LISAs22:23 - How to budget the average £35,000 UK salary26:25 - How much should you save/invest?31:08 - Budgeting apps and tools36:34 - Using multiple accounts41:26 - Final quickfire budgeting tips-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Tom from @tom.tpf joins me on this podcast episode to discuss a very important question what is the best global ETF for UK investors?As Tom and I discussed on our previous podcast episode, investing really can be made simple - invest into a global fund and do this consistently for decades. However, which global ETF is best? There are many to choose from and the jargon can be confusing. So, in this episode we compare 5 of the most popular global ETF options. What makes them different? Primarily the number of underlying holdings (essentially the number of stocks in the ETF) and the fees that they charge. We go through each of the ETFs and then conclude on which one (or ones) are the best for investors. This episode will be very helpful if you're a long term global fund investor. Listen to this podcast episode for the full details. Timestamps:0:00 - Intro0:58 - Why use a global fund?1:45 - Some global fund aren’t truly global?4:55 - FTSE All World - VWRP & FWRG9:02 - MSCI ACWI - SSAC & ACWI15:35 - Solactive GBS Global Markets - PACW21:35 - Which one is best?26:47 - Final thoughts-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Will from @nextgenngpf joins me on this podcast episode to explain exactly how he has built his own investment portfolio from £0 to £15,000 by age 23.This includes what specific platforms to look into and what specific ETFs to consider investing into. Investing seems very complicated, which is why reason why many people never start. But it can be made very simple and very passive. Will runs us through his exact approach on how he's done that, his mistakes along the way, as well as how to plans to keep building his portfolio moving forward. If you're looking to start investing, this podcast episode will be a massive help. Timestamps:0:00 - Will’s top 3 tips for beginner investors4:51 - Investing mistakes to avoid8:28 - How can a beginner investor actually start investing?13:14 - What Will invests into in his investment portfolio20:26 - Does investing need to complicated?22:20 - Money psychology investing lessons25:25 - Investing book recommendations28:24 - Will’s future investing plans30:42 - OutroListen to this podcast episode for the full details. -----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Tom from @tom.tpf joins me on this podcast episode to go through exactly what to look for when selecting an index fund or ETF to invest in.Investing really can be made simple - invest into a global fund and do this consistently for decades. However, how can you pick a fund? What should you look for?It can get a bit technical. And in this episode we run through the nitty gritty of exactly what criteria to look for when selecting a fund.This includes the underlying holdings, tracking errors, fees, fund size (or AUM 'Assets under management), and more.On top of this, when it actually comes to then picking a fund on an investment platform and actually investing your money, there are a few more important differences.What are they? They are differences in the fund provider, how dividends are treated and currency.This episode will be a very valuable listen if you are planning to invest into funds for the long term.Timestamps:0:00 - Intro1:34 - What is an ETF?2:25 - Why is this a good way to invest?3:54 - UCITS5:11 - Underlying holdings9:38 - Fees11:39 - Domicile13:50 - Tracking Error17:09 - Fund size, bid ask spreads, liquidity20:14 - Method of replication24:13 - Fund provider26:04 - Income vs Accumulation28:45 - Currency33:16 - SummaryListen to this podcast episode for the full details. -----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Neil from @NeilInvests joins me on this podcast episode for a fascinating and insightful chat where we discussed his entire investing journey to date and his future investing plans.For context, Neil is currently in his 40's and is planning to build his Stocks & Shares ISA portfolio to £500k+ to enable an earlier retirement. Neil runs us through the specific investment platform he uses, why he uses a Stocks & Shares ISA, and why he specifically invests into the S&P 500 and FTSE All World.But that's not all. We cover his biggest investing mistakes, favourite investing books, why he doesn't plan to invest into bonds, how he plans to live off of his investment portfolio, and a lot more.Listen to this podcast episode for the full details. Timestamps:0:00 - Intro1:15 - Neil’s overall approach4:45 - Neil’s investing journey and mistakes10:10 - The difficulty of stock picking12:20 - Do you need a financial advisor?14:36 - Why did you choose Trading212?18:58 - Why a Stocks & Shares ISA?24:05 - Why the Vanguard S&P 500 Income ETF and Invesco FTSE All World Income ETF?27:10 - US or Global ETF?28:50 - Crypto investing31:36 - Why use Income/Distributing ETFs?34:40 - Neil’s exit plan to live off of his investments38:34 - What about bonds?41:09 - Will you take the pension tax-free lump sum?43:25 - Book recommendations to get started investing46:01 - Outro-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

With Bitcoin back at all time highs I've received a few questions on cryptocurrency recently, so I thought I would collate them all into one podcast episode where I run through my exact crypto approach and strategy.From the platforms I use, to cryptos I invest in, to how I store my crypto.We discuss all of this and more in this episode. Timestamps:0:00 - Intro1:19 - Crypto market cap2:14 - How many are there?2:47 - The biggest cryptos3:57 - Recent updates4:27 - My overall strategy6:50 - Platform to use9:06 - Cryptos I invest into12:24 - How to store crypto14:18 - My approach recap15:01 - Crypto taxes16:30 - Indirectly invest into crypto in your ISA and Pension17:42 - Crypto ETFs18:15 - How to stay safe18:42 - Books to read19:45 - OutroListen to the episode for the full details.-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Massive shoutout to Ian who asked these brilliant questions. From transferring defined benefit and defined contribution pensions, to comparing the index providers of FTSE and MSCI, from UK stocks and their fees, to investing into bonds, and a lot more. This episode has a little bit of everything. Timestamps for each question are below. And if anyone is keen to get involved in a future 4-week investing crash course, give me a shout and I'll add you to the waitlist (IG - makingmoneysimple, email - [email protected]).Timestamps:0:00 - Intro1:07 - Fees for non-UK stocks? Plus, should we focus on UK-listed stocks?3:22 - And what about ETFs?4:22 - Why are UK stocks listed in pennies?5:53 - Can a company create new/more shares?7:41 - And what about a company buying back shares?8:34 - Index funds: FTSE vs MSCI?11:22 - How to differentiate between indexes?12:39 - Back to FTSE vs MSCI?15:01 - Will the Cash ISA allowance be reduced?16:06 - Are bond investments worthwhile?17:58 - What is my personal annual rate of return?19:19 - Has my portfolio recovered after the 2025 market drop?21:31 - Pensions introduction22:22 - Can any pension be transferred?29:03 - OutroListen to the episode for the full details.-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

What happens if the dip keeps on dipping? When the market falls, no one knows: 1. How big the fall with be. 2. How long the fall will last. 3. When the market will bounce back.This is exactly why I don't personally 'buy the dip'. Long story short, because it's impossible to time the best time to invest. Which is why only investing when the market ‘dips’ is a losing strategy over the long term. The much better strategy - in my opinion - is the following two steps:1. Stay invested At all times. After all, I don’t need this money for the long term. And it’s impossible to time the right moments to buy and sell. 2. Keep investing‘Cost averaging’ by investing every single month. No matter what.I do this personally by primarily investing into low cost global index funds and ETFs. No need to overcomplicate your investing strategy. Then let time and compound interest grow your wealth Listen to the episode for the full details.-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

The stock market has been rough in 2025. Both the US stock market and global stock market are down heavily since the beginning of 2025.Time to panic? I don't think so.As we go through in this episode, the big mistake that people often make at these uncertain moments is panic selling. We need to avoid that. Not just because it is impossible to 'time' when to get back into the markets, but also because the historical data backs up that these types of falls happen regularly in the stock market. And these falls might even be a good thing if you're a long term investor...What am I doing? Not panic selling, continuing to hold my investments and continuing to invest.What should you do? During this episode I share the 4 things that you should do - right now - in my opinion. Listen to the episode for the full details.0:52 - What's the damage so far?3:12 - Stock market crash stats from history5:51 - The big mistake people make7:17 - My losses & why this could be good10:14 - Why do optimists win?13:04 - What should you do?15:05 - Summary-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Alex from @wealthbyAlex joins me on this episode of the podcast to discuss all things pension. This episode really is a 'crash course' in absolutely everything that you need to know about pensions.Alex is extremely knowledgeable on pensions and if you have any type of pension then this episode will be extremely helpful to allow you to cut through the noise and jargon surrounding pensions.Pensions are often misunderstood, but they are one of the best (if not the best) ways to grow our wealth and then retire one day.In this episode we discuss the state pension, defined benefit pensions (DB) and defined contribution pensions (DC). On this last one, these DC pensions include both workplace pensions and SIPPs (self invested personal pensions).We ran through common misconceptions, how to make the most of your pensions, when to consider switching platforms, fees, funds, and a lot, lot more (timestamps below).Listen to the episode for the full details.0:00 - What is a pension3:02 - The 3 types of pension7:27 - Defined benefit (DB) pensions13:32 - How does a workplace pension work23:00 - Common pension misconceptions25:30 - Making the most of your workplace pension32:30 - SIPPs (private/personal pension)37:26 - Moving workplace pension to a SIPP45:32 - Limited companies and pensions46:51 - Stocks & Shares ISAs vs Pensions-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Will the stock market crash? If so, when will it happen? When it does happen, when will the bottom be? And when will it bounce back to a new high?These are all great questions that we discuss in this podcast episode.Spoiler alert though - I have no idea. And no one else does either. 'Timing the market' is impossible.Whilst the stock market is currently 'high', it could go even higher. Or there could go a massive crash tomorrow. Unfortunately no one knows.Timing the highs and lows are almost impossible and missing just a few of the best days in the market could reduce your returns greatly.As we discuss in the episode, a stock market crash is a matter of WHEN, not IF. The stock market will crash - 100%. If we look back at history, there are regular dips, corrections and crashes. However, it is impossible to predict this WHEN. Hopefully this episode can help to provide some comfort to long term investors. Listen to the episode for the full details.-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Which ISA is best? That is the topic of today's episode.First, we cover exactly what an ISA - or Individual Savings Account - is and break down how each of the 4 different types of adult ISAs actually work.We then move into which ISAs are likely to be best to prioritise in certain situations.Overall, and everyone's situation will be slightly different, Stocks & Shares ISA will give you the most 'profit' (most likely). This is because over the long term the gains and dividends can exponentially grow your wealth.However, Lifetime ISAs (specifically Cash LISAs) are a fantastic vehicle to save for your first house deposit. And Cash ISAs can be useful in some specific scenarios, like if you will breach your personal savings allowance and have to be some tax on your savings interest.Listen to the episode for the full details.Timestamps:0:34 - What is an ISA?3:46 - Cash ISA5:58 - Stocks & Shares ISA7:37 - Innovative Finance ISA8:26 - Lifetime ISA13:06 - Why I don’t like S&S LISAs17:19 - Which ISA to prioritise in specific situations?20:25 - ISA allowance21:21 - Which ISA is best-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Sammie from @upthegainsmoney joins me on this episode to discuss how we can achieve financial freedom.It comes back to our 'FIRE number', the number we need to grow our investment pot to to then achieve financial freedom. Which is why 'retirement' is a number and not an age.Sammie introduces a concept called 'the gap'. We all have a gap and in order to reach financial freedom Sammie helps to explain a process of how we can close that gap and reach financial freedom quicker.Listen to the episode for the full details. Sammie @upthegainsmoney - https://www.instagram.com/upthegainsmoney/Sammie's course - https://www.stockmarketschool.co.uk/-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

In this video I discuss what will happen to the financial markets in 2025.First though, it's helpful to revisit what was predicted in 2024. And then what actually happened in reality.There was a big difference. Including the world's biggest bank getting their prediction wrong by an unbelievable 38%. In fact, since I started investing back in 2017, I think there has been a 'big crash' predicted every year. Yet, the US and global stock markets are much, much higher than 2017.You probably know where I am going with this, but it is impossible to know what will happen and it is impossible to time the market, as we discuss during this episode.The best thing is to start investing and keep investing. It's impossible to predict what will happen from year to year, but by the market goes up slowly over the long term. And by investing you're giving your money the chance to beat inflation and compound. Listen to the episode for the full details. Timestamps:0:00 - Intro1:11 - Looking Back At 20248:08 - What Will Happen In 202513:19 - Start Investing Now-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

In this video I discuss exactly how I invested £17,976 across 2024.Including the platforms I use to invest and the specific investments I've made down to the penny. The very large majority of this money went into global index funds and ETFs. That's the investing approach that I personally follow.I then also invested a little bit of money into crypto.Listen to the episode for the full details. Timestamps:0:00 - Intro4:07 - Global Fund 16:22 - Global Fund 210:10 - Crypto12:30 - 2024 Reflection14:09 - 2025 Plan15:22 - Get Started Now-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

In this video I discuss the recently announced changes to Vanguard UK fees.This took me by surprise.In short, if you have <£32k on Vanguard's platform across your ISA, SIPP and GIA then you will be paying a £4 p/m fee from 31 January 2025 onwards. If you have >£32k then you are not impacted by this. This fee change also doesn't impact Junior ISAs.In this podcast episode we run through the details of the fee change, the maths of it, who will be the worse impacted, whether you should consider switching or staying, and for those who will switch what platform and/or fund you should switch to. Two specific platforms are appealing if you wanted to switch and I have linked them below. Listen to the full episode for all the details!- Trading212 - https://www.trading212.com/join/MMS (or use promo code 'MMS'). Affiliate link. To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link. Terms apply.- Invest Engine - https://investengine.pxf.io/LKKVEL (or use promo code 'MMS'). Affiliate link. Capital at risk. T&Cs apply. Minimum investment of £100. Must stay invested for at least 12 months.These are both affiliate links, thanks in advance to anyone who uses them. T&C's apply, with investing your capital is at risk. Timestamps:0:37 - The Details5:04 - The Maths7:09 - Important Points10:03 - What Should You Do14:42 - What Platform To Switch To17:55 - FTSE Global All Cap Equivalent?-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

In this video I discuss my brand new book Stop Waiting, Start Investing - that came out on 26 November 2024 - in more detail, run through the investing mistakes I made (of which there were quite a few) and take you on the journey of how I built my portfolio from £0 to £100,000+ over the last 7 years.To do this I didn't do anything special or inherit any more, and I'm certainly not a genius, but I share what I did - mainly consistently prioritising investing over the years.Finally, we touch on compound interest. Including the importance of it in building your wealth and a few specific examples.Listen to the full episode for all the details!Timestamps:3:16 - My Mistakes10:43 - Tangent on Workplace Pensions12:12 - My Investing Journey20:34 - Compound Interest-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Monty from @montylanefinance joins me on this episode of the podcast to talk all things investing.Monty has grown his investment portfolio from £0 to £89,000+ over the last 3 years, spread across a Stocks & Shares ISA and SIPP, and is on his way to a six-figure investment pot.That's a huge sum of money in a short space of time - so I wanted to find out how he did it.We discuss Monty's switch from individual stocks to index funds and ETFs, the two investment platforms that he uses, as well as the five specific funds that Monty invests into to build his wealth. Listen to the full episode for all the details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Iain from @IainJGeddes joins me on this episode of the podcast to talk about investing for your children. If you don’t currently have children, this is useful future information. Even if you don’t want children, you can hopefully pass on this knowledge to friend's children, nephews and nieces. We have three main options: Junior Stocks & Shares ISA, Junior SIPP, or using part of your own adult Stocks & Shares ISA allowance. Each option has different pros and cons. The key with the two ‘Junior’ options is that the money legally becomes your child’s at 18 (Junior Stocks & Shares ISA) or at 55 (Junior SIPP). If you’re skeptical they may misuse the money, or you just want more control, you can use part of your own adult ISA allowance - assuming you have some left - to invest for your children.The greatest asset that children have is time. Due to compound interest, even small amounts contributed today have the chance to grow for decades to come. Listen to the full episode for all the details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

In this video I go through everything that you need to know about investing and taxes in the UK.This includes the 3 main vehicles we can use to invest in the UK - ISAs, pensions and general investment accounts.And the 3 main 'phases' of investing - before investing, during investing (i.e when we are invested in something) and when withdrawing.Ultimately, ISAs and pensions have great tax advantages. So if possible, make the most of these.But, GIAs do have their place in specific situations. Not to mention that for some types of investments (e.g crypto) we can only use GIAs to invest. Just be aware that with GIAs we may be liable to pay capital gains tax and/or dividends tax. Capital gains tax arises when we sell, and the allowance is currently £3,000 per tax year.Dividend tax arises when we earn dividends and this happens when we're investing as most funds pay dividends, and the allowance is currently £500 per tax year.Listen to the full episode for all the details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

It's no secret that I am a fan of global funds.I am largely just a global index fund investor.Why? Because it keeps my approach as simple and as diverse as possible. Across my various investing accounts, and there are a lot of them (as we go through in the podcast), I usually solely invest into the lowest cost, most globally diversified fund I can find. And I recently passed a huge milestone. After 7 years of investing, I now have £100,000+ in global funds.So in the podcast episode, we go through the exact global funds I am investing into. Including what they're called, how many stocks they hold, what fees they charge, and more.Listen to the full episode for all the details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact

Thomas (@thebankengine) joined me on this episode to talk about how he makes extra income each month - specifically a whopping £1,912 across April and May 2024. Not just in the last two months though, Tom the bank (or tank 🚂) engine has been making thousands of additional pounds across the last few years. This is all through extra income streams/extra side hustles that he has, some completely passive income streams and some more active income streams.Tom has 11 extra income streams in total, and the great thing is that these are all real income streams. No income stream 'ideas' or 'hacks', real side hustle income streams that make him money.People always ask about how to make some extra money or for side hustle ideas to make money - so hopefully this episode will help!These 11 extra income streams include: 1) Cashback & points - e.g EverUp, Jam Doughnut. 2) Cashback sign up offers. 3) Bank switching. 4) Market research - e.g Take Part In Research, Askable. 5) Mystery shopping - e.g Roamler. 6) Surveys. 7) Matched betting. 8) Affiliate sign up offers. 9) Lifetime ISA interest + bank interest on savings. 10) Dividends. 11) Side business.In the podcast episode we go through this full list, discussing each option, the pros and cons, drawing on our own experiences, potential costs or risks involved, specific examples, and a lot more. Listen to the full episode for all the details!-----------------------------------------More investing:📝 Download my free investing guide to help you start investing - https://www.makingmoneysimple.co.uk/Free-Investing-Guide📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - https://www.makingmoneysimple.co.uk/swsi-book-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch: https://www.makingmoneysimple.co.uk/contact