Level Up Financial
by Level Up Financial
Money affects all of us, but most of aren't taught how to handle it.Level Up Financial (previously The Woke Finance Podcast) is a personal finance podcast hosted by Jacques and Peter, two friends from Hackney, East London, who are on a mission to change that. Through their social enterprise Level Up Financial Education CIC, they've spent years delivering financial education to young people across the UK and this podcast is that same energy, open to everyone.The conversations demystify money management, budgeting, debt, and investing by breaking down complex concepts into simple, relatable terms. From everyday money mindsets and the psychological effects of scarcity, to handling peer pressure from social media and navigating finances in relationships Level Up Financial covers personal finance at every stage of life, for listeners of all ages.Whether you're 15 or 40, just starting out or navigating the next chapter, there's an episode for you.No jargon. No corporate advice. Just hone
Episodes
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EPISODE 252 | Thinking of Opting Out of Your Pension? Listen to This First | LEVEL UP FINANCIAL
Thinking about opting out of your pension? 🚨 Listen to this first. In this episode of the Level Up Financial Education Podcast, Jacques and Peter discuss why some people choose to opt out of their workplace pension — and why you may have more options than you realise. From investment choices to...
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EPISODE 251 | LESSONS LEARNED- 10 years of investing in the stock market | LEVEL UP FINANCIAL
It has been 10 years since Jacques and Peter started their own individual investment journeys. Join the Level Up Financial Team as they delve into what has worked, what hasn't, mistakes made and how you can use their experiences to become better investors. Website: www.levelupfinancial.co.uk…
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250. 250 Episodes Later... Welcome To Level Up Financial Education (previously Woke Finance)
After 250 episodes, it's time for the next chapter. In this special milestone episode, we're revealing the new name of the podcast and explaining why we've decided to rebrand from Woke Finance to Level Up Financial Education. We share the thinking behind the change, what it means for the future…
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249. Would You Trade Your Pension for a House Deposit?
Would you give up part of your State Pension in exchange for £12,500 today? In this episode, the Woke Finance team reacts to a new proposal aimed at helping young people get onto the property ladder. We explore the potential benefits, the hidden costs, and whether sacrificing future retirement...
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248. "My Business Makes A Lot Of Money, But I Still Feel Poor"
Many business owners are earning more than ever—but still don’t feel financially secure. Join the Woke Finance team as we unpack why high income doesn’t always translate to real wealth, and the hidden habits, pressures, and blind spots that keep people stuck in a cycle of “earning but not…
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247. New Tax Year- Don’t Miss These Allowances
The new tax year is here—are you making the most of it? In this episode, the Woke Finance team breaks down what’s changed for the new ax year and highlights the key allowances you should have on your radar. From the £20,000 ISA allowance to other valuable tax-efficient opportunities. Sign up to…
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246. “Own Nothing, Control Everything.” Should We Be Putting Our Assets Inside A Trust?
Putting assets in a trust can bring about benefits such as avoiding the lengthy and costly probate process, reducing inheritance taxes, controlling how beneficiaries receive their inheritance and more. Join the Woke Finance team as they discuss pros and cons + whether people should be considering...
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245. "I Was Earning £125,000 But The Financial Stress Was Unbearable"
Happy new year! Join the Woke Finance team as they react to this recent news article of a high earning family expressing they still feel a strong level of financial stress. Hear tips on what we can do to avoid such situations regardless of our income. Original article here:...
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244. 6 Things You Must Do For 2026 (Financially)
As 2025 draws to a close, it’s the ideal time to reflect on what you’ve achieved in the past 12 months and start planning for the year ahead. Join the Woke Finance team as they share 6 things you should consider doing for 2026. Sign up to our mailing list via our website: www.wokefinance.co.uk...
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243. Tax, Savings, Pensions, Benefits & More! Reaction To Rachel Reeves’s Budget Announcement
Today the UK Chancellor unveiled measures that will affect ISA’s, savings, pensions, and more. Join the Woke Finance team as they respond to some of the changes and what people can do when it comes to their own personal finances. Sign up to our mailing list via our website: www.wokefinance.co.uk...
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242. Amazon Layoffs & The K Shaped Economy
Amazon recently made a number of redundancies due to the ever growing usage of AI. Join the Woke Finance team as they discuss these layoffs and how this relates to a term coined ‘The K Shaped Economy’. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give…
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241. Preparing For A 2026 Stock Market Crash
Key indicators are pointing towards a potential stock market crash. Join the Woke Finance team as they discuss how investors can prepare for a potential crash in 2026. Woke Finance Co-Founders Jacques recently featured on the Savvy Wallet podcast: https://www.youtube.com/watch?v=hk0wOIFp9o4 Sign…
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240. Does Spending Money On Someone Prove Your Love? Preparing For Christmas
Surprise surprise, 25th December is coming around again! Join the Woke Finance team as they share tips on preparing financially for the festive season upon us. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education...
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239. Money Market Funds, High Yield Savings Accounts & More - How To Build Your Investment Reservoir
The reservoir strategy can help you manage market volatility by structuring your investments into short-, medium-, and long-term reservoirs. Join the Woke Finance team as they discuss how to build your investment reservoir. Sign up to our mailing list via our website: www.wokefinance.co.uk...
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238. Aged Between 18-67? Your Retirement Plan Should Start Today
Retirement planning isn't just about finances; it's about creating the life you desire when it's time to step away from your career. Join the Woke Finance team for this MUST listen episode as they discuss how anyone can stat planning for retirement today. Sign up to our mailing list via our...
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237. Should Everyone Be Investing In Index Funds?
Whether investors should solely focus on index funds continues to be a topical conversation in the finance world. Join the Woke Finance team as they discuss the pros and cons of index funds. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out…
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236.“Who Wants To Be A Philanthropist?”
Join the Woke Finance team as they discuss why people become philanthropist and the benefits (including financial) with this decision. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and our own opinions....
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235. Angel Investors, Venture Capital, Private Equity & More - Investing In Private Assets
Join the Woke Finance team as they discuss private assets and how the everyday individual can invest in them. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and our own opinions. Please do your own due...
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234. What Do We Do If Rachel Reeves Cuts Cash ISA Allowance?
It’s widely speculated that UK’s Chancellor of the Exchequer, Rachel Reeves, will be making drastic changes to the current cash ISA allowance. Join the Woke Finance team as they discuss what to do if these changes come into play. Sign up to our mailing list via our website: www.wokefinance.co.uk...
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233. "This Is When You Should Sell Your Stocks"
Making money on the stock market involves two decisions: when to buy and when to sell the stock. Sell too early and you risk leaving gains on the table. Sell too late and your profits could evaporate. Join the Woke Finance team as they discuss when is the right time to sell stocks. Sign up to our...
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232. Is This The Year To Invest In Gold?
Gold prices have seen significant increases over the past 12 months. Join the Woke Finance team as they discuss whether 2025 is the year to go all in on gold! Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education…
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231. Three Insurance Products Everyone Should Consider
Only about 35% of UK adults have life insurance, despite its importance in providing for their families. Join the Woke Finance team as they discuss the three insurance products that everyone should consider. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not...
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230. Three Portfolios Everyone Should Have
Join the Woke Finance team as they discuss the three portfolios that everyone should aim to have. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and our own opinions. Please do your own due diligence and…
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229. What Is The Best Investment Strategy or Style?
Join the Woke Finance team as they discuss what is the best strategy investors can use to maximise returns over the long term. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and our own opinions. Please do...
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228. Reaction To 'How Wealthy Are Black Brits?' Video
Join the Woke Finance team as they react to a recent video made by Mr Money Jar on latest stats when it comes to the wealth that black brits have. Original video here: https://www.instagram.com/reel/DIyGtefqfYS/?igsh=MXZ0eWZzamt6azVjNg%3D%3D Sign up to our mailing list via our website:...
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227. Financial Weapons Of Mass Destruction - Warren Buffett Announces His Retirement
The legend himself, Warren Buffett, has announced he will retire as chief executive of Berkshire Hathaway at the end of the year. Join the Woke Finance team as they reflect and discuss some of his often misunderstood famous quotes. Sign up to our mailing list via our website…
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226. Is It Finally Time To Buy The Dip? The Warren Buffet Indicator & More!
April has seen large dips in the market causing many to consider whether it is time to “load the boat” and go big in buying stocks at a ‘discounted’ value. Join the Woke Finance team as they discuss the trends we’re seeing, valuation ratios including what the ‘Warran Buffet Indicator’ is and...
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225. Trump Tariffs, Recession, China’s Response and More!
This week we saw the biggest and quickest declines in the stock market since they were gripped by the panic of the pandemic in early 2020. Join the Woke Finance team as they discuss what has caused this (e.g. Trump tariffs) and how investors can respond. Sign up to our mailing list via our…
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224. Are We Heading For A Recession In 2025?
Some economic reports are currently placing the odds on a recession in 2025 at 40%. Join the Woke Finance as they discuss this and how to prepare for such times. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather…
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223. When To Pay Tax On Savings & More! Things To Prepare For Before Tax Year End
Tax year end is fast approaching and there is much to do to ensure we are making best use of tax efficient products made available to us. Join the Woke Finance team they discuss things we need to get in order before the tax year end. Sign up to our mailing list via our website:...
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222. Is 2025 A Time To Invest In REITs? - REITS Vs Property Investing & More!
Real estate investment trusts (REITs) are making a comeback from their post-pandemic downturn—and with the sector still lagging the stock market, is 2025 a perfect time to buy at an attractive discount? Join the Woke Finance team as they discuss pros and cons of REIts, REITs vs investing in...
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221. Money Conversations To Have With Your Partner Before Long Term Commitment
Speaking about money is a good foundation for even bigger conversations in relationships. Join the Woke Finance team as they discuss some questions one should ask their partner before going into a long term commitment. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer;...
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220. Is It Time To Leave The UK?
A record 10,000+ millionaires left the UK in 2024. Join the Woke Finance team as they discuss the topical question, 'is it time to leave the UK?' Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and our own...
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219. ‘Millennials’ Net Worth Has Quadrupled, But There’s A Catch— ‘Phantom Wealth’
Join the Woke Finance team as they discuss why many people have accumulated some form of wealth but don’t feel wealthy. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and our own opinions. Please do your own...
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218. Is It Time To Add Bonds To Your Portfolio?
Join the Woke Finance team as they discuss all things bonds and whether investors need to prioritise them when thinking about a well diversified portfolio. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and...
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217. We Asked ChatGPT “What Do Most People Struggle With When It Comes To Investing?”
Join the Woke Finance team as they continue to play around with ChatGPT to understand what people struggle with when it comes to investing to build wealth. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and...
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216. We Ask ChatGPT What Are The Top Personal Finance Dilemmas - Part 2
Join the Woke Finance team for the second part of the episode where they discuss the top personal finance dilemmas people face according to ChatGPT. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and our own...
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215. We Ask ChatGPT What Are The Top Personal Finance Dilemmas People Face - Part 1
Join the Woke Finance team as they discuss the top personal finance dilemmas people face according to ChatGPT. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and our own opinions. Please do your own due...
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214. Three Financial Pitfalls Of Rich People Who Became Poor
We’ve seen many examples of people who have accumulated a large amount of wealth end up losing it due to different financial pitfalls. Join the Woke Finance team as they discuss some of these in detail and how anyone on their personal finance journey can avoid them. Sign up to our mailing list…
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213. Is It Worth Setting Up A Side Hustle In 2025?
Side hustles are becoming more and more popular. But is it worth having one in the future? Join the Woke Finance team as they discuss the pros and cons of having a side hustle as well as whether they think people should prioritise them in 2025 and beyond. Sign up to our mailing list via our...
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212. The Best Investment Strategy For 2025
212. The Best Investment Strategy For 2025 Join the Woke Finance team as they discuss what is the best investment strategy to implement ahead of 2025 and beyond. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather…
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211. Preparing Your Finances For 2025 - Investing, Debt, Insurance, Career Development & More!
Join the Woke Finance team for their annual episode where they take a deep dive into how one can best prepare their finances for the following year. On this episode the team touch on a variety of topics ahead of 2025, a must listen!! Sign up to our mailing list via our website:...
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210. Written In 1949 By Warren Buffet's Mentor - Is 'The Intelligent Investor' Still Relevant?
2024 marks 75 years since Benjamin Graham’s ‘The Intelligent Investor’ was released. Join the Woke Finance team as they discuss the key principles from the book and if they are still relevant today. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out...
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209. "Never Too Young To Start" - Biggest Financial Mistakes Young People Make
Join the Woke Finance team as they discuss the top mistakes young people make and how we can learn from them whatever our age. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but rather education and our own opinions. Please do...
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208. Should You Invest In Gold?
Gold is one of many assets we can invest in. Join the Woke Finance team as they discuss the benefits of investing in gold and if this is something people should consider putting money into. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial...
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207. The 5 Stages Of The Wealth Pyramid - Which Level Are You On?
Join the Woke Finance team as they discuss the different stages of the wealth pyramid when trying to build wealth, from struggling to make ends meet to becoming truly financially independent. Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out…
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206. Paying Homage
Join the Woke Finance team as they wrap up the Black History Month series paying homage to a few of the many black people inspiring a generation in the personal finance space! Sign up to our mailing list via our website: www.wokefinance.co.uk Disclaimer; We do not give out financial advice, but...
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205. Paying The Black Tax
The Black tax refers to the financial burden borne by Black people who have achieved a level of success and who provide support to less financially secure family members. Join the Woke Finance team as they take a deeper dive into this topic. Sign up to our mailing list via our website:...
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204. ‘Black Wealth To Fall To £0 By 2053’ - 4 Ways For Black People To Build Wealth
Starling stats show median wealth in black community will fall to zero by 2053. Join the Woke Finance team as they discuss how black people can build wealth and cancel these stats. Do you want to get free shares worth up to £100? Join Trading 212 Invest with our link, and we will both get free...
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203. Ownership, Consumerism And More - How Can Black People Close The Racial Wealth Gap
Research by the Resolution Foundation shows a huge wealth gap between ethnic groups in the UK (as well as in the US). People from Black African backgrounds typically hold the least wealth, less than one-eighth of the wealth held by White British. Join the Woke Finance team as they discuss how…
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About this show
Money affects all of us, but most of aren't taught how to handle it.Level Up Financial (previously The Woke Finance Podcast) is a personal finance podcast hosted by Jacques and Peter, two friends from Hackney, East London, who are on a mission to change that. Through their social enterprise Level Up Financial Education CIC, they've spent years delivering financial education to young people across the UK and this podcast is that same energy, open to everyone.The conversations demystify money management, budgeting, debt, and investing by breaking down complex concepts into simple, relatable terms. From everyday money mindsets and the psychological effects of scarcity, to handling peer pressure from social media and navigating finances in relationships Level Up Financial covers personal finance at every stage of life, for listeners of all ages.Whether you're 15 or 40, just starting out or navigating the next chapter, there's an episode for you.No jargon. No corporate advice. Just hone
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Level Up Financial
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