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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754
Money Vault - Why you need to build a black book
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, we combine two classic episodes to explain the concept of the "Black Book" - a vital document containing all your essential financial information for your partner or next of kin. We then welcome long-time listener Ben Molyneux, who shares his personal experience of creating a Black Book and the unexpected benefits it brought to his relationship.You can sponsor Ben here - Ben Molyneux (Alzheimer's Society)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 newsletterPlease consider sponsoring Ben who is raising money for the Alzheimer's SocietyFollow 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 561 - The pension transfer rush & the outlook for energy prices
In this week's episode, Damien discusses why an increasing number of people are rushing to consolidate their pensions ahead of the April 2027 rule change, which will make unused pension pots liable to inheritance tax. He explains when this could be a bad idea and reveals how long each pension provider takes to transfer a pension, including who takes the longest.Finally, Damien and Andy discuss how the energy price cap hike that's coming in October could be dwarfed by an even bigger hike in January, and what you should do about it.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast 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 newsletterMoney Vault - Pension Transfer TipsHot to transfer your pension - everything you need to knowPensionBee 2025 pension transfer dataEnergy Prices - Is now the time to fix?British Gas 'Fix and Fall' tariff review
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752
Money Vault - Pension Transfer Tips
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, we revisit episode 505 from May 2025 where I provide some tips for those considering transferring and/or consolidating their pension pots.I summarise the key pros and cons of pension transfers, explain how in-specie transfers work, how to avoid common pension scams and when to seek independent financial advice.Check out our featured article: Best Pension Transfer OffersCheck 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 newsletterBest Pension Transfer Cashback OffersBest Pension in the UKHow to find a financial adviser you can trustFollow 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 560 - Should you still invest at all-time highs & how saving £5 could change your life
In this week's episode, Damien explores whether investors should be fearful when stock markets reach all-time highs. He looks back at historical data and research to reveal what typically happens after markets hit a record high.Next, he discusses the psychological power of making small, seemingly insignificant changes to your finances and how it can dramatically transform your life.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast 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 newsletterSign up to a free trial of 80-20 investorCheck out the book 'Atomic Habits' by James Clear Check out the book 'Influence: The Psychology of Persuasion' by Dr. Robert Cialdini
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750
Money Vault - When 'good enough' is better than 'perfect'
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien revisits episode 303 from January 2021, which explores why a "good enough" financial plan is often better than a perfect one. Drawing on concepts from Morgan Housel’s book The Psychology of Money, Damien explores the vital difference between making strictly rational decisions and making reasonable ones that actually work for you in the real world.While the mathematics of personal finance might suggest one specific course of action, human emotions often dictate another. Damien explains how aiming for absolute financial perfection can sometimes lead to stress and failure, and we share practical examples where choosing the reasonable, emotionally comfortable path can significantly increase your chances of long-term success.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 newsletterThe Psychology of Money by Morgan HouselFollow 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 559 - Beginner's guide to buying an Electric Vehicle
In this week's episode, Justin discusses the financial realities of transitioning to an electric vehicle (EV). He covers the practicalities of buying a second-hand EV, addresses common concerns regarding battery health and explains the logistics and costs of charging an EV, both on the road and at home.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast 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 newsletter
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748
Money Vault - Personal finance numbers everyone should know
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. This week, Damien takes a look back at episode 417, where he discusses the essential personal finance numbers that can help people maintain control over their financial well-being.From mortgage rates and emergency cash buffers to understanding your exact net pay and retirement targets, keeping track of these key figures can act as an emergency plan for your money.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 newsletterPAYE CalculatorMoney to the Masses guide on budgetingBest budgeting appsState Pension Age CalculatorMTTM 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 558 - 5 numbers to Retire Early & your Decade-by-Decade Money Audit
In this week's episode, Damien reveals the money audits you should carry out during each decade of your life, from your 30s right through to your 70s. He then breaks down why the numbers 25, 70, 173, 2,000, and 100,000 serve as maths hacks to help you become financially independent and retire early.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast 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:Get a quote for life, critical illness or income protection cover (and Get up to £100 cashback)Sign up to our weekly newsletterThe avalanche method explainedCheck your credit report for freeGuide to life insuranceGuide to critical illnessGuide to income protectionThe government's Pension Tracing ServiceMoney to the Masses retirement income calculatorThe Money to the Masses 'Millionaire' podcast episodeOfficial Gov.uk State Pension age calculatorOfficial Gov.uk State Pension forecast and National Insurance record checkerPodcast episode 548 - Optimal pension portfoliosInformation on setting up Powers of AttorneyWhy your first £100k is the most important
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Money Vault - Good debt vs Bad debt
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. This week, Damien and Andy take a look back at episode 297 from November 2020. While borrowing money is often viewed negatively, taking on debt can sometimes be a sensible investment in your financial future. In this episode, Damien explains the difference between 'Good debt' and 'Bad debt'.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 newsletterFollow 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 557 - How to read investment markets & wildfire travel rights
In this week's episode Damien discusses your legal rights if your holiday is impacted by the wildfires in Europe. He also explains when your travel insurance will and won't pay out.Finally, he reveals how to read and interpret global investment markets in seconds, by walking you through the key indices, currencies and stocks that he tracks each day.[AD] Thank you to our sponsor Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast 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 newsletterDX-Y.NYB - US Dollar IndexGBPUSD=X - GBP/USD^VIX - CBOE Volatility Index^VXN - CBOE NASDAQ 100 Volatility Index^TNX - CBOE Interest Rate 10 Year T-Note^FTSE - FTSE 100^FTMX - FTSE 250 (Ex. Investment Trusts)^FTAS - UK FTSE All ShareS&P 500 - Standard & Poor’s 500Dow Jones - Dow Jones Industrial AverageNASDAQ - NASDAQ Composite^NDX - NASDAQ-100^STOXX50E - EURO STOXX 50 Index^GDAXI - DAX Performance-Index^HSI - HANG SENG INDEX000903.SS - CSI 100 Index^N225 - Nikkei 225^KS11 - KOSPI Composite IndexXLK - State Street Technology Select Sector SPDR FundXLV - State Street Health Care Select Sector SPDR FundXLF - State Street Financial Select Sector SPDR FundXLE - State Street Energy Select Sector SPDR FundXLI - State Street Industrial Select Sector SPDR FundXLRE - State Street Real Estate Select Sector SPDR FundXLU - State Street Utilities Select Sector SPDR FundES=F - E-Mini S&P 500YM=F - Mini Dow Jones Industrial AverageNQ=F - Nasdaq 100GC=F - GoldBTC-USD - Bitcoin USDCL=F - Crude OilBZ=F - Brent Crude Oil Last Day FinancialHG=F - CopperNVDA - NVIDIA CorporationMETA - Meta Platforms, Inc.AAPL - Apple Inc.AMZN - Amazon.com, Inc.MSFT - Microsoft CorporationTSLA - Tesla, Inc.
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Money Vault - How to get rich
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien takes a look back at episode 319 from May 2021, exploring the fundamental principles of building wealth. He discusses the lessons we can learn from George S. Clason's classic 1926 book, The Richest Man in Babylon. He explains how the century-old parables translate to modern financial strategies, outlining actionable steps you can take to manage your money, clear debt, and secure your financial future.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 newsletterBuy The Richest Man in Babylon on AmazonListen to Episode 319 on SpotifyFollow 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 556 - The dangers of irregular investing & money-saving hacks with Britain's Coupon King
In this week's episode, I analyse some recent research from JP Morgan Personal Investing and explain how inconsistent contributions can hurt your overall portfolio performance.Next, Andy and I chat with Jordon Cox, known to many as 'Britain's Coupon King', who shares some practical money-saving hacks and tips.[AD] Thank you to our sponsor Interactive InvestorNew customers can receive £100 in free trades when they open an Interactive Investor Trading Account before 31st July 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast 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 newsletter
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742
Money Vault - Best investing quotes from famous investors
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 of The Money Vault, Damien and Andy take a look back at the most valuable investing quotes of all time. They explore the timeless wisdom of renowned investors, including George Soros, John Templeton, John Bogle, and Warren Buffett, explaining how their wise words could help you on your own investment journey.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 newsletterHow much does private health insurance cost?How to get 5% interest on your savingsPound cost averaging explainedMoney to the Masses Episode 291: Lessons from Warren Buffett's style of investingFollow 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 555 - Building an ISA bridge for retirement & New Buy Now Pay Later rules
In this week's episode, Damien explains the concept of an ISA bridge and how it can help you manage the financial gap between your ideal retirement date, the age you can access your private pension and your state pension age. Next, Damien explains how the new FCA regulations for Buy Now Pay Later (BNPL) services are likely to impact consumers, including new mandatory affordability checks and additional Section 75 protection.Thank you to our sponsor, Interactive InvestorNew customers can receive £100 in free trades when they open an Interactive Investor Trading Account before 31st July 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast 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 newsletterOfficial State Pension Age CalculatorGuide explaining how the Money Purchase Annual Allowance (MPAA) worksRegular Contribution / Savings CalculatorFull news article on the FCA Buy Now Pay Later regulation changes
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740
Money Vault - Private Healthcare - More affordable than you think?
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 of The Money Vault, we discuss the reality of NHS waiting times and the increasing number of people turning to private healthcare for diagnosis and treatment. We explore the main routes to accessing private medical care and the typical costs of common private procedures and scans.We also outline the different types of health insurance policies available, including fully underwritten and moratorium options, as well as alternative middle-ground solutions like Benenden Health. Crucially, we explain how to ensure you get the best and cheapest health insurance policy, as well as how you can get up to £100 cashback if you take out a plan.Speak to a specialist adviser - We have partnered with one of the UK's leading private health insurance comparison specialists in order to provide you with the best health insurance to suit your budget. If you take out a policy, you will qualify for £100 cashback – the offer ends on 31st August 2026. T&Cs apply.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 newsletterHow much does private health insurance cost?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 554 - How to start investing & why now is the perfect time
In this week's episode, Andy discusses the findings of Vanguard's recent British Money Mindset report, highlighting a recent shift in the UK from saving to investing, largely driven by younger investors. He explains how new 'Targeted Support' tools from the likes of Quilter and Vanguard can give would-be investors the confidence to invest for the first time. Damien then takes a look back at his simple 'back to basics' guide on how to start investing for the first time.Thank you to our sponsor, Interactive InvestorNew customers can receive £100 in free trades when they open an Interactive Investor Trading Account before 31st July 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast 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 newsletterVanguard's British Money Mindset ReportGen Z leads a new wave of UK investors - What are they investing in?
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Money Vault - The ultimate travel insurance checklist
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 provides a comprehensive guide on travel insurance. With summer holidays approaching, he outlines exactly what to look for in a policy, including the essential features, optimal coverage amounts, and the most common myths that leave holidaymakers financially exposed. He then provides tailored suggestions for different types of travellers, from budget backpackers to large families, ensuring you know exactly where to look for the right cover.Andy then provides an update explaining how packaged bank accounts have improved, with some offering travel insurance with generous upper age limits and zero excess.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 newsletterDefaqto: Independent rating agency for checking the quality of financial products.MoneyHelper: Directory for finding specialist travel insurance providers for pre-existing medical conditions.Payingtoomuch.com: A comparison site specialising in travel insurance for people with pre-existing conditions.Our picks for the best travel insurance policies.Co-op packaged bank account includes Travel Insurance with zero excessThe best packaged bank accounts and the latest bank switching incentivesFollow 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 553 - 10 commandments of money & Practical tips for reducing insurance costs
In this week’s episode, Damien shares some of the essential rules and concepts he has used in order to build lasting financial habits. These include practical ways to manage your budget, the importance of paying yourself first and avoiding lifestyle creep to help provide a comfortable financial future.Next, Andy looks at recent research on the interest applied to monthly car insurance premiums and shares straightforward, practical tips for spreading the cost without paying exorbitant fees.Thank you to our sponsor, Interactive InvestorNew customers can receive £100 in free trades when they open an Interactive Investor Trading Account before 31st July 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast 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 budgeting apps available in the UKMoney to the Masses budgeting spreadsheetLife insurance guidanceIncome protection guidanceCritical illness insurance guidanceWhen you need to buy insurance (and when you don't)
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Money Vault - What are Money Market Funds?
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 discusses the confirmed changes to Stocks and Shares ISAs scheduled for April 2027. With the cash ISA allowance dropping to £12,000 for those under 65, the government is introducing a 22% tax charge on interest earned from uninvested cash held within Stocks and Shares ISAs. Damien explains how money market funds work and how they could provide a legitimate workaround, allowing you to earn a 'cash-like' return on your money without triggering the tax charge. 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 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 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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731
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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730
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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729
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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727
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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726
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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725
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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724
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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723
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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722
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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721
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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720
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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719
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 36 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 36 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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