Bank of Dad is a personal finance podcast hosted by Kate Matthew, with help from her financial adviser dad, Pete. The show focuses on the money lessons people often miss at school, covering everyday money handling in plain, judgment-free language. Episodes aim to make financial topics accessible without jargon. The podcast occasionally includes strong language and is not intended for children.
Episodes
The 2026 Budget: What is it and what does it mean for YOU? (BOD041)
The Budget is here, but what does it actually mean for YOUR money? 💸 In this episode of Bank of Dad, we break down the changes to minimum wage, ISAs, tax and parental pay, plus the new schemes designed to help first-time buyers get on the property ladder 🏡 We cut through the jargon, explain what's changing and help you work out which announcements could make a difference to your finances!
Listener Question & Answer (BOD040)
This week we are answering YOUR questions! We cover everything from student loans, how late is too late and everything in between.
Success Factors - BOD039
What does it really mean to be financially successful? Spoiler alert: it's about much more than just having lots of money! In this episode, we explore the habits, decisions and mindset shifts that can make the biggest difference to your long-term financial future. From the power of starting early to avoiding common money mistakes, we look at what financially successful people do differently and ho
Wills and LPAs - BOD038
Writing a will or setting up a Lasting Power of Attorney might not be at the top of your to-do list, but getting these things sorted could make a huge difference to your loved ones. In this episode, we explore why wills and LPAs are so important, what happens if you don't have them in place, and the common mistakes to avoid. From protecting unmarried partners to choosing the right people to make d
Gifting and Receiving - BOD037
In this episode of Bank of Dad, we're talking all things gifting money . From what to consider before giving someone a significant sum, to making smart decisions when you're on the receiving end. We explore whether you should spend, save, invest or pay off debt with a financial gift, and clear up some common misconceptions about tax. Plus, we explain how Gift Aid works and how you can make your ch
Room 101 - BOD036
What belongs in Finance Room 101? 👀 In this episode of Bank of Dad, Kate and Pete reveal the financial things they'd happily banish to Room 101 forever, from money habits and financial products to those little things about personal finance that drive them mad. But not everything deserves to disappear. They also discuss what they'd rescue from Finance Room 101 and why some much-maligned parts of th
Choosing Funds, Part 2 - BOD035
We decided to spread our discussion about funds over a second week, so this week we're diving into avoiding common mistakes when choosing a fund and the low-down on how to do it right!
Getting To Grips with Funds - BOD034
This week, we're getting to grips with investment funds: what they are, how they work and what's actually going on when you put your money into one. We'll break down the basics, cut through some of the jargon and look at the mechanics you need to understand before you even think about choosing a fund.
The Biggest Investment Factor - BOD033
This week, Kate and Pete dig into the biggest factor influencing how your investments behave. Behold, the wonder of ASSET ALLOCATION!
Travelling and Money - BOD032
For many young adults, the travelling bug bites hard. Maybe you fancy a gap year or a six-week trip to Bali. What do you need to think about before you go and when you're away, financially spekaing? That's what Kate and Pete are all about this week…
Listener Questions and Answers - BOD031
Something a little different this week - Kate and Pete answer audience questions about all sorts!
Habits: Make vs Break - BOD030
Being good with money isn't just about willpower, it's about building habits and systems that make doing the right thing easier. In this episode, we're looking at the good money habits worth building, the bad ones that could be holding you back, and how to make positive financial habits actually stick. Warning - not for kids!
Demystifying Tax - BOD29
In this episode of Bank of Dad, Pete and Kate demystify the main UK taxes most people encounter, including income tax, National Insurance, VAT and Capital Gains Tax. They explain how tax bands really work, why earning more does not mean all your income is taxed at a higher rate, and when you may need to take action yourself, such as reporting gains or completing a tax return. If you want a clear,
Finfluencers - BOD028
This week, Kate and Pete discuss the rise of the Financial Influencer, or 'Finfluencer' (yuk), the pros and cons of online financial information and how to spot the good from the bad. Eventually, they realise that they are Finfluencers themselves!
The Biggest Risk Of Them All - BOD027
When it comes to succeeding with money, the thing most likely to derail it is OURSELVES! this week, Kate and Pete talk a bit about human behaviour when it comes to money, and how we can help ourselves get out of the way…
Risk: The Hidden Ones - BOD026
This week, Kate and Pete continue their discussion about risk, dealing with some of the less obvious risks when it comes to building wealth.
Risk Pt 1 - The Risks We Know - BOD025
This week, Kate & Pete discuss risk, one of the most misunderstood concepts in finance, but one that you need to understand to build wealth for the future.
Managing money as a couple - BOD024
This week, Kate and her dad, Pete, tackle a thorny subject: How can couples align themselves financially? What does it take for a couple to work well together towards their shared goals, and what are the practicalities of managing money as a couple day to day?
Student Loans Explained - BOD023
This week, Kate and her dad Pete discuss the student finance system, its pros and cons and why a student loan isn't really a loan in the true sense at all…
What have we learned? - BOD022
22 Episodes into the BoD project, we've covered a lot of ground. This week, Kate and Pete take stock of what we have covered and where we're going from here.
Listener Questions and Answers, Pt2 - BOD021
Today we have another Q&A Episode where Kate and Pete answer the questions that YOU want answering. Keep them coming!
Listener Questions Pt 1 - BOD020
Something a little different this week (and next) - Kate and Pete answer audience questions about all sorts!
Understanding Investments: Platforms - BOD019
Investment platforms make it easier to buy, hold and manage your investments, but not all platforms are the same. In this episode, we explain how they work, what they cost, and what happens to your money if the platform itself runs into trouble. Boring Money: Stocks and Shares ISA Comparison
Understanding Investments: Wrappers - BOD018
Kate and Pete continue their discussion about investing, moving up to talking about wrappers.
Understanding Investments: Assets - BOD017
This week, Kate and Pete embark on a mini-series about investing, starting at the bottom talking about assets - the things we invest in, to make our money grow.
Pensions: You're Not Too Young, Part 2 - BOD016
This week, Kate & Pete dive further into the world of pensions, all the different types and why they're so important for anyone pursuing financial freedom one day.
Pensions: You're Not Too Young (Pt1) - BOD015
OK, this is an important one. We need to talk about pensions, which are misunderstood and often dismissed as something you'll get to later, whenever that is. Kate and Pete talk about what a pension actually is and why they are such an important part of your financial future.
House Buying: Escaping Mum and Dad - BOD014
Join Kate Matthew and her financial adviser Dad, Pete, talk about property, mortgages, and how to finally escape Mum & Dad.
Adulting 101: Insurance PART 2 - BOD13
In Part 2 of our Bank of Dad insurance series, we cover the main types of insurance young adults in the UK should know about, including life insurance, critical illness cover, and income protection. We help you understand how to spot a genuinely good policy, what to look for in the small print, and why speaking to a broker could make all the difference. Whether you're in your 20s or 30s, this epis
Adulting 101: Insurance Part 1 - BOD012
In Part 1 of our Bank of Dad insurance series, we break down why insurance matters in your 20s and 30s, the biggest myths people believe, and why your income is your most important asset to protect. We also explain what insurance actually does, the key risks to consider, and when it starts to become important in your life.
Payslips - Who's Getting My Money? BOD011
We've had a bunch of questions about this week's subject - what on earth does your payslip actually mean?! There's columns, gross, net, YTD, deductions - all just wanky words designed to confuse. In today's episode, Kate & Pete attempt to explain what it's all about!
Are Credit Cards The Enemy? PART 2 - BOD010
This week, Kate and Pete finish up their conversation about credit cards, and whether they can be used safely, or are a dangerous slippery slope to debt chaos. Guess what - the answer is more nuanced than you'd think.
Are Credit Cards The Enemy? PART 1 - BOD009
With debt so prevalent in our society, and credit cards one of the most-used versions of debt, we wanted to go deep so you can understand how they work, what happens with your credit score and lots more besides. Tread carefully with debt!
WTF Is An ISA? Part 2 - BOD008
Join Kate and Pete once again as they go in-depth into one of the most important elements of everyone's wealth-building: the ISA. This week we cover how they work, what you can invest in and lots more besides.
WTF Is An ISA? Part 1 - BOD007
In this week's show, Kate and Pete discuss ISAs, one of the most important elements in anyone's finances. We discuss what they are, the different types and when they make sense. We're laying the groundwork for going even deeper next week…
How To Invest - BOD006
This week we cover the basics of investing, what it means, how it differs from saving, and how to get started.
How Do I Save Money (BOD005)
This week, Kate and Pete talk about how and where to save money, the difference between saving and investing and lots more besides.
BOD004: How Do I Get Out Of Debt?
This week Kate and Pete talk about how to get out of debt, the different kinds of debt and why it's so easy to get into debt, but so tricky to get out.
BOD003 - How Do I Budget?
In this week's episode of Bank of Dad, we break down the basics of budgeting. We tackle emergency funds, what to do when you've run out of money in the middle of the month and how to make budgeting less depressing!
Where Does All My Money Go?
Most of us experience the pain of not really knowing where our money goes. We just know that we don't have much left at the end of the month, if any! In this episode we cover why this is the case, and the antidote to this problem - being intentional…
Bank of Dad - Intro
Welcome to the Bank of Dad Podcast with Kate Matthew, supported by her financial adviser Dad, Pete. We're here to share the money lessons you never got at school — no judgment, no jargon, just real talk about how to handle your money. In this episode, we introduce ourselves and what we're hoping to achieve with this new show.
