PODCAST · education
The Money To The Masses Podcast
by Damien Fahy
Join Damien and Andy as they break down personal finance topics including investing, saving, budgeting and more, giving you the tools and knowledge to achieve your financial goalsEach week, they cover three topics, cutting through unnecessary financial jargon, providing practical tips and actionable advice to help you make the most of your money.To provide feedback or ideas for future shows, contact: [email protected] or visit https://moneytothemasses.com
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Ep 552 - How to invest at different life stages
In this special investing episode, Kyle Caldwell (Funds and Investment Education Editor at ii) and Damien discuss the complete investing lifecycle - from Junior ISA portfolios and investing in your 40s and 50s, right up to building a sustainable income for your retirement. Whether you are just starting out or preparing to draw a pension, this episode is packed with actionable insights to help you maximise your wealth.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to the weekly newsletterMTTM Podcast: How to make your child a millionaireThe Barclays Equity Gilt StudyInteractive Investor Family PlanInteractive Investor Highly Rated Funds toolAssociation of Investment Companies (AIC) websiteAnalysis of Dividend Heroes by Kyle Caldwell
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Money Vault - How to build good money habits
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien revisits a classic episode on how to build good money habits. He reveals the simple daily routines that have helped him take control of his finances, including automating his savings, setting a monthly spending plan, and adopting tactics such as "zero spend" daysCheck out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterTake out a trial of 80 20 investorAtomic Habits by James ClearMTTM - Episode 184 - Getting the most from your phone's Stock AppFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
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Ep 551 - How much to save for a comfortable retirement & mortgage splitting
In this week’s episode, Damien discusses the latest figures from the Pensions and Lifetime Savings Association (PLSA). He breaks down the exact amount you need in your pension pot to achieve your desired retirement lifestyle and reveals the monthly contributions required to get there, regardless of your current age.Next, he explains split mortgages, highlighting the potential benefits and drawbacks and why it is vital to seek independent advice before making a decision.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterHow the Middle East peace deal impacts your financesPLSA Retirement Living Standards researchQuilter researchThe Money Vault 26 ways to boost your pension potBest Mortgage Rates in the UKHow offset mortgages work
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Money Vault - Fund switch checklist
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien shares the last-minute checks you should make before switching your investment funds. Switching funds can seem straightforward, but hidden charges, differing share classes, and specific platform rules can easily catch you off guard.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterTake out a trial of 80 20 investorTrustnetBest and Cheapest Fund PlatformFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
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Money Vault - Investor biases to avoid
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien revisits a classic episode from February 2025 on investor behavioural biases. He explores how human nature often leads to irrational financial decisions and examine seven common psychological traps, including loss aversion, confirmation bias, and the emerging fear of being wrong. He also provides practical strategies to mitigate their impact, from using stop-loss orders to documenting your investment decisions, helping you develop a more objective, systematic, and successful approach to managing your wealth.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to the weekly newsletterTake out a trial of 80 20 investorCan you solve this (YouTube video)Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
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Ep 550 - Get 4% cashback on your current account & the best investing apps in the UK
In this week's episode, Damien takes a look at the latest banking offers, revealing the ways you can get paid for carrying out your everyday banking. He explores the best current accounts for cashback with rates boosted up to 4%. He also looks at the best bank account switching deals before rounding up the best cashback credit cards on the market. Finally, he provides a summary of the best investing apps available in the UK, breaking them down by investor type. He outlines the key features, investment options and costs.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterBest UK current accounts for cashbackBest cashback credit cards in the UKBest bank account switching offersBest performing Stocks and Shares ISABest investment apps in the UK
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Money Vault - Alternative to the 4% rule
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien explores the well-known 4% rule for retirement withdrawals and explains why relying on it during periods of market volatility could put your pension at risk. He then reveals an alternative approach highlighted by Vanguard known as 'dynamic spending'. By applying a ceiling and a floor to your annual withdrawals, you can preserve capital during downturns while still enjoying a higher income when your investments perform well. He also shares some free tools to help you model your own retirement scenarios and ensure your money lasts.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to the weekly newsletterTake out a trial of 80 20 investorVanguard White Paper on Dynamic SpendingfiCalc.app - Retirement withdrawal calculatorMTTM Podcast Episode 210 - Debunking the 4% ruleWatch on YouTube - Alternative to the 4% ruleFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
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Ep 549 - The money insights you missed
In this week’s episode, Damien and Andy are doing something a little different by sharing and expanding on the timely, bite-sized financial updates they regularly post across our social media platforms. Much of the fast-moving news we cover on our Instagram, TikTok, and YouTube channels, such as the latest government announcements and real-time energy cap updates, do not make it onto the podcast. This episode highlights the valuable, actionable insights you might be missing out on if you don't follow Money to the Masses on our social media channels.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterCheapest fixed price energy deals
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Money Vault - The difference between the Poor and the Rich
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. On this week's episode, Damien highlights the inequality that exists between people on low incomes and those that are wealthy. He explains how the game is rigged in favour of those with high incomes, in terms of access to specialist advice, financial products, and even utilities. He highlights the key points from the popular book "Rich Dad, Poor Dad" and finishes with a thought-provoking analogy of how both low and high earners are treated after they have been paid.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterMTTM Podcast Episode 355 - The difference between the poor and the richFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
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Ep 548 - Optimal pension portfolios & latest property market update
In this week's episode, Damien discusses new research on the 4% pension withdrawal rule, exploring sustainable retirement income rates and the optimal asset allocation between equities and bonds. Andy then examines the latest property market data, highlighting the growing regional divide in UK house prices and what the current market conditions mean for both buyers and sellers. Finally, he looks at the latest rental sector data and what it means for renters and landlords.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterMTTM Podcast Episode 517 - The 4% rule and inheritance tax changesMTTM Podcast Episode 210 - Debunking the 4% ruleMorningstar research table summary on safe withdrawal ratesUK Residential Survey April 2026UK house prices rise 1.2% in MAy but Rightmove warns against overpricingDetails on the new Renters' Rights Act rules
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Money Vault - Stocks ignore bond market warning
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic from November 2021, where he explains the correlation between bonds and equities. He then brings it back to the present day, explaining the current financial landscape, highlighting a concerning disconnect between soaring stock markets - driven largely by AI enthusiasm - and falling bond markets.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterMTTM Podcast Episode 346 - The correlation between bonds and equities (Full Episode)Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
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Ep 547 - New forms of financial advice and mastering the energy cycle
In this week's episode, Damien discusses the evolving landscape of financial advice, from the introduction of "targeted support" to the rise of simplified advice. Damien also explains the key differences between full and restricted advice and how the new advice categories aim to close the UK's advice gap. Finally, Andy looks at the energy payment cycle, explaining how to calculate a safe credit buffer, when to reclaim overpaid funds from your supplier as well as your legal rights.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterTake out a free trial of 80-20 investorGet financial advice from Vouchedfor*MoneyHelper
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Money Vault - How to achieve financial independence
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic from July 2021, offering a comprehensive, step-by-step guide to achieving financial freedom. He talks about budgeting, debt management, building an emergency fund, and emphasises the importance of a long-term investing strategy.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterMTTM Podcast Episode 327 - How to achieve financial independence (Full Episode)Best Budgeting Apps Entitledto (Benefits Calculator)Damien's Money MOT ToolStepChange Debt CharityDave Ramsey's 7 Baby StepsFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
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Money Vault - 26 ways to boost your pension
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic episode from March 2025, that offers 26 tips on how you can boost your pension and prepare for retirement. In it, he covers topics such as maximising your pension contributions, reviewing and consolidating your pensions, seeking advice, and the implications of delaying your state pension claim.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Resources:Sign up to our weekly newsletterCheck your state pension forecastDWP callback request formHow to earn National Insurance creditsNI top-up deadline extendedHow to fill gaps in your national insurance recordMoneyhelper pension calculatorWhat is auto-enrolment?Salary sacrifice explainedPension tracing serviceFree pension review with UnbiasedCompare annuitiesThe best pension income in retirementPension carry-forward rulesFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
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Ep 546 - 'Sell in May & go away' tested & Credit card traps to avoid
In this week's episode, Damien tackles the famous "Sell in May and go away" investment adage. Should you really cash out of the stock market to avoid a summer slump before reinvesting in the autumn? He looks into the latest research to see how this strategy holds up across UK and global markets. Finally, Damien and Andy expose the little-known credit card traps that could end up costing you.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.Follow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemassesYou may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Support the show by visiting and bookmarking our dedicated podcast page:Money to the Masses Dedicated Podcast Page - Click to support the showLinks referred to in the podcast:Sign up to our weekly newsletterTake out a free trial of 80-20 investorPensions Schemes ActAre Stock Markets set to crash?
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Money Vault - How to inspire your children to build wealth
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives. In this episode, Damien revisits a classic conversation about teaching children the fundamentals of building wealth. Prompted by an unexpected question about Bitcoin, he shares a personal story of how he guided his teenage daughter through the realities of money management. He discusses how to make financial concepts engaging for young people and moving beyond simple savings to explain how investing and compound interest can shape their future.Resources:Sign up to the weekly newsletterHow to become a MillionaireMTTM Episode 456 - Listen to the full episode MTTM Savings & Investment CalculatorFollow Money to the Masses on social media:YouTube - https://www.youtube.com/moneytothemassesFacebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
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Ep 014 - Damien's Little Nuggets
Damien Fahy of www.moneytothemasses.com talks to Andy Leeks about money. In this week's episode Damien discusses his 'little nuggets'. Damien explains some simple, easy to follow tips that everyone should consider when making buying, saving and spending decisions. It is a shorter episode this week due to a 'studio relocation' and both Damien and Andy having to endure the stressses of their respective daughters' first day of 'Big School'. Links to topics discussed in this week's show Working Out Your Retirement Fund On The Back Of An Envelope The Money To The Masses Website Mail On Sunday Article Featuring Andy Leeks
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ABOUT THIS SHOW
Join Damien and Andy as they break down personal finance topics including investing, saving, budgeting and more, giving you the tools and knowledge to achieve your financial goalsEach week, they cover three topics, cutting through unnecessary financial jargon, providing practical tips and actionable advice to help you make the most of your money.To provide feedback or ideas for future shows, contact: [email protected] or visit https://moneytothemasses.com
HOSTED BY
Damien Fahy
CATEGORIES
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Frequently Asked Questions
How many episodes does The Money To The Masses Podcast have?
The Money To The Masses Podcast currently has 17 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is The Money To The Masses Podcast about?
Join Damien and Andy as they break down personal finance topics including investing, saving, budgeting and more, giving you the tools and knowledge to achieve your financial goalsEach week, they cover three topics, cutting through unnecessary financial jargon, providing practical tips and...
How often does The Money To The Masses Podcast release new episodes?
The Money To The Masses Podcast has 17 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to The Money To The Masses Podcast?
You can listen to The Money To The Masses Podcast on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts The Money To The Masses Podcast?
The Money To The Masses Podcast is created and hosted by Damien Fahy.
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