Making Money
Damien Jordan & Timeyin Akerele from Most 169 episodes Nov 9, 2026
Learn how to build wealth - investing, pensions, the psychology of money - even things like how to get a payrise. Hosted by the UK’s top personal finance YouTuber Damien Jordan and his best mate Timeyin Akerele, this is the financial education we wish we’d had. Our focus is on the big stuff, teaching the strategies and mindset shifts that can have a significant impact on your financial life.
Episodes
Are You Saving Way More Than You Need?
How much can you actually spend in retirement without running out of money? The 4% rule is one of the most popular ways to think about that problem. Abraham Okusanya has spent over a decade researching this very question. He's written a book called Beyond the 4% Rule and founded Timeline, software used by financial planners to help tens of thousands of people plan their retirement.
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Where's the Government's Money Gone?
It's been a few days since the Budget, so there’s been time to get past the headlines and work out what it actually means for you. Timeyin couldn't join me today, so it’s just me and Helen Miller, who's the Director of the Institute for Fiscal Studies (IFS). They're widely seen as the independent referee when it comes to government tax and spending.
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Stay tuned...Budget special coming later today!
We're talking to the Director of the Institute for Fiscal Studies, Helen Miller, this morning so stay tuned for that conversation later today!
Is War the Biggest Threat to the UK Economy?
Two of the biggest economic shocks we've seen in recent years have come from wars: Russia's invasion of Ukraine and the conflict in the Middle East. But what does that actually mean for you? How can conflicts happening thousands of miles away affect the cost of your mortgage, the value of your investments, or even how much you pay in tax? Duncan Weldon is an economist and historian who's spent yea
Are Too Many People Investing in Index Funds?
As more of us invest in index funds, is that a good thing? Tim Edwards from S&P Dow Jones Indices, the company behind the S&P 500, joins us to explore whether trying to beat the market pays off, and reveals fascinating data on the cost of waiting for the next stock market crash.
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The NHS Costs More Than Ever, So Why Isn't It Improving?
The NHS now costs around £240 billion a year across the UK. We're spending more than ever before. It employs more people than ever before. So why doesn’t it feel like it’s getting Max Warner is an economist at the Institute for Fiscal Studies who specialises in health and social care.
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I Lived Alone at 16 on £60 a Month, Now I’m Building Wealth
Marcia is a 45 year old counsellor from Birmingham.
Has investing changed your life? https://makingmoney.email/listener-story-form
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Who Really Pays When Interest Rates Go Up? – Bank of England Rate-Setter
The Bank of England has a key target: to keep inflation at 2%. Its main tool is interest rates. Dr Swati Dhingra is an external member of the Bank’s Monetary Policy Committee, which she joined in August 2022, making her one of just nine people who decide what that interest rate should be.
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Ex-Trader: I Took the Fall for the Financial Crisis
Former trader Tom Hayes was sentenced to 14 years in prison for manipulating LIBOR, which used to be one of the world's most important interest rates. Prosecutors said Tom was the ringleader of a conspiracy to influence the rate. Tom says he was made a scapegoat for the financial crisis and that what he did was commonplace. He ended up spending five and a half years in prison before being released
I Retired at 48 – Here's What Nobody Tells You
Many of us dream of retiring early, or at least having the option to. Gareth, one of our viewers, retired at just 48. But what happens when the plan you've spent years building is finally put to the test?
Check out our AI financial planning tool: https://makingmoney.email/AI
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ARCHIVE: The New Rules For Building Wealth
Rob Dix says we can’t rely on the rules of the past to get the financial future we expect, and shares some new ideas for what we can do instead. Rob is a finance expert, host of The Property Podcast and has just released a new book called 'Seven Myths About Money: And The Truth About Finding Financial Freedom’.
*This episode was originally published on the 6th of January 2025*
Rob’s
I’ve Never Had a Salary. Here’s What I’ve Learned
From performing on the streets at 16 to becoming a stand-up comedian, Stuart Goldsmith has never had a salary.
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The Optimal Order for Investing in the UK
Alasdair Walker is a financial planner but he’s also one of the people behind the popular UK Personal Finance flowchart and former moderator of the Reddit community. So we’re not exaggerating when I say he's helped millions of people make better money decisions.
UK Personal Finance Flowchart: https://ukpersonal.finance/flowchart/
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I Earned Millions as a Footballer But Retired with Nothing
Former Premier League footballer Clarke Carlisle has spoken openly about his struggles with mental health, including five suicide attempts, but rarely about the role money played throughout his life. In this episode, Clarke reveals how money became tied to his identity and self-worth, and reflects on the financial decisions he made during and after his football career.
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Investors Are Nervous, Should They Be?
Most investors are scared about the same thing: what if I invest and the market crashes tomorrow? Ben Carlson is author of the popular investing blog A Wealth of Common Sense and Director of Institutional Asset Management at Ritholtz Wealth Management. In his new book Risk and Reward, he looks at history's biggest market crashes, and what they can teach us about investing when the future feels unc
ARCHIVE: Will You Be Hit By The UK Pensions Crisis?
*This episode was originally published in July 2024 - some facts and figures may have changed*
We can’t talk enough about the pensions crisis. Most people aren’t saving enough for the life they are going to want and something has to be done about it. We cover the big questions: why is there a problem, how much we really need to be saving and will the state pension even exist when you retire?
Tom
What "Enough" Actually Means – and How to Know if You've Got It
How should you invest in retirement? Are annuities actually a good idea again? What if you’ve only got 5 years to get to your goal? We put your biggest money questions to friend of the podcast and financial adviser Lisa Conway-Hughes.
You can learn more about Lisa’s advice firm here: https://lchwealth.co.uk/most/
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I Earn a Normal Salary & Could Retire at 43
On this podcast we speak to investors, economists and money experts. But some of the most interesting perspectives come from people outside the finance industry. Today's guest is Cam, a serving soldier in the British Army and the creator of the Savvy Squaddie YouTube channel.
Do you want to share your money stories on the podcast? https://makingmoney.email/listener-story-form
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I Was Robbed at Gunpoint, They Took Everything
What would happen if someone else got access to your phone? I’d not really thought about how serious that could be until this conversation with Victoria.
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I Started Investing 6 Years Ago - Now I Can Retire At 50
One thing we've learned from interviewing hundreds of people about money is that the numbers are only part of the story. Today we’re speaking to Neil, better known as Neil Invests, not just about his portfolio, but the journey that got him there - from sleeping on his sister's floor and battling shame and depression, to building £175k in his ISA over 6 years and being planning to retire at 50.&nbs
My Son Secretly Had £40,000 of Debt
They say our money habits are shaped by our parents, with many of them formed before we're even seven years old. So I wanted to find out where my relationship with money really came from. To do that, I sat down with the one person who's been there from the very beginning.
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A £2 Bet Destroyed The Next 13 Years Of My Life
Patrick Foster is a recovering addict who spent every day for 13 years gambling. It all started with a 2 pound bet...
TW: This episode contains discussions of suicide and addiction, which some listeners may find distressing.
If you are struggling with addiction in the UK: https://www.nhs.uk/live-well/addiction-support/
Patrick's app: https://reclaimapp.co.uk/
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Can Anything Fix The UK's Broken System?
Does UK politics actually work? Is the system broken? And if it is, what needs to change? We don't often do political interviews, but this felt like an important moment to have one. We spoke to political commentator Ian Dunt two years ago before Labour came to power. He correctly predicted what would happen. So we got him back on.
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Economist: The Government Saved £200m and Created a £1bn Problem
Modern Britain has been shaped by economic decisions. Was austerity the biggest economic mistake of the last generation? Cahal Moran is an economist and host of the YouTube channel Unlearning Economics. His latest book is Why We’re Getting Poorer (https://amzn.eu/d/0cNLJJDO).
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I Was 100% in a Global Index Fund Until I Realised This
Ramin Nakisa from PensionCraft is back. Like me he’s spent years explaining why investing 100% in global equities works. But recently, he changed his portfolio, cutting his exposure by almost half. What changed? And what might make him change his mind again?
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New Investors Should Hope for a Terrible Stock Market
What’s the best kind of stock market for a new investor? Most people assume you want years of rising prices. But Andrew Clare, who’s spent decades researching investing, says that’s not always true.
Here’s Andrew’s paper: https://doi.org/10.3905/jor.2025.1.180
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We Had £40,000 of Debt and Nobody Knew
Megan was in her early 30s when she and her partner finally faced up to more than 14 years of debt. After years of overdrafts, credit cards and quietly spiralling finances, they confronted nearly £40,000 they owed. Megan documented their journey out of debt (@that_girl_in_debt), and now they’ve taken their first steps into investing and hope to save £40,000.
Do you have your own story about money
Why is UK Electricity So Expensive Compared to Other Countries?
The UK has some of the most expensive household electricity in the world. Why are energy bills so high, and will they ever come down? The price you pay is shaped by rules set by Ofgem, the UK’s energy regulator. Neil Kenward is their Interim Director General of Markets. Thank you to everyone who sent in a question!
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My Dad Went Bankrupt, It Changed How I Think About Money
Chris Budd is a former financial planner who believes we’re building wealth in completely the wrong way.
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ARCHIVE: How To Budget To Get More From Your Money
70% of people don’t budget which means there’s an opportunity for you to be better than most. A budget helps you navigate from the financial stage you’re at now to the one you want to get to, whatever your goal is. We’re here to find out how to budget, but first of all, let’s find out what Damo and T are wasting their money on...
*This episode was originally published in May 2023
Get the budge
I Lost £862 Million & Collapsed a 233-Year-Old Bank
In 1995, Nick Leeson brought down the UK’s oldest merchant bank, Barings, with £862 million in hidden losses. The final hit to Barings was £827 million, triggering one of the biggest financial collapses in history. He explains how it really happened and how things spiralled over time. Was it fear of failure, the pressure to succeed, or something deeper that kept him going?
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UK Mortgage Expert: What First Time Buyers Need To Know
Can you actually afford to buy a home right now? And if you can, should you? Eddie Ross is co-founder of Tembo Money, a mortgage broker that helps first-time buyers get on the ladder. He answers your questions about affordability, how mortgages actually work today, what’s happening with LISAs and covers some of the lesser-known options that most people don’t talk about.
🏡 Here’s the link Eddie
Your Biggest Investment Risk is Not the Stock Market
Finance professor Mo Milevsky explains why your “human capital” (your career, income, and life choices) should shape how you invest both when you're building wealth and when in retirement and why most people are taking the wrong kind of risk.
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How I Max Out My ISA on an Average Salary
Have you ever felt it is too late to start investing? Dave is 46, and he started investing at 44. He’s just managed to max out his ISA this year. How did he do it?
Thank you to everyone who entered the competition, the winners have now been contacted. Thank you so much for listening and also a big thanks to Andrew Craig, the author, for kindly providing an additional five copies.
Do you have a
Will the State Pension Be There When You Retire?
Will your pension actually be enough for retirement? Or are you heading for a shortfall without realising it? Al Miles is an investment actuary who has analysed the UK pension system, and found that millions of workers will fall short of what they need for retirement. But she didn’t stop there. She’s also looked at ways we can fix it.
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The Last Time This Happened, Nothing Made Money for 17 Years
The S&P 500 once delivered 17 years of zero real returns. Could it happen again? Jim Reid is the Global Head of Macro Research at Deutsche Bank. In a recent report, The Ultimate Guide to Long-Term Investing, his team analysed data from 56 countries over 200 years.
You can read the full report on the Deutsche Bank Research Institute website: https://www.dbresearch.com/PROD/RI-PROD/PDFVIEWER.calias
What Happens to Your Money if You Die Tomorrow?
More than half of adults in the UK don’t have a will. So what happens if you die without one?
Sam Grice is CEO of Octopus Legacy.
If you don't have a will like T, you can get one here: https://makingmoney.email/OctopusLegacy
Correction: Outside of the free wills campaign, the cost for a simple will is £150, and a will with trust is £450
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Are You Wasting Your Life Saving Money?
Susan wrote into us: What do you think of the ‘Die with Zero’ philosophy by Bill Perkins? I know many people who work so hard that they never get to enjoy retirement. There are three widows in my gym group in their 50s. I also know many people hoarding money in their late 70s, frightened to spend anything.
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Don't Wake Up to Make Rich People Richer
Timothy Armoo was twenty seven when he sold his company Fanbytes for tens of millions of pounds. He’s written the book he wish he’d had when he was starting out (https://amzn.eu/d/05juET3K)
💬 Do you have a money story you'd like to share on the podcast?
https://makingmoney.email/listener-story-form
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Your Retirement Plan Has a Fatal Flaw
What if you live longer than you expect? Can you make your money last in retirement? Marianna Hunt is a personal finance specialist at Fidelity International. She’s looked at how you can actually plan for it.
Here’s our compound calculator: https://makingmoney.email/compound-interest-calculator
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Retiring at 65 Makes No Sense
Is slow population growth going to change your retirement? Amlan Roy is an expert in demographics and has advised governments all over the world. He says the way our population is changing is at the heart of all the big issues we’re facing today, not just pensions.
You can get Amlan’s book ‘Demographics Unravelled’ here: https://a.co/d/0gyPSQbi
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What Politicians Won't Tell You About the Economy
Are you being misled about the state of the UK economy? What really went wrong? And how do we fix it? Vicky Pryce was a top economist inside the civil service, and worked for years in the private sector. Her latest book is Mismanaged Decline: What Politicians Won't Tell You About the Economy (https://amzn.eu/d/0kD8EVO).
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The Financial System is Rigged Against Normal People
What if personal finance wasn’t just complicated, it was actually rigged against you, Tarun Ramadorai, professor of financial economics at Imperial College London, has advised central banks and sovereign wealth funds. And he’s co-written a book ‘Fixed: Why Personal Finance Is Broken and How to Make It Work for Everyone’.
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The 3 Investing Rules That Changed Warren Buffett’s Fortunes
Ask anyone who the world’s best investor is, chances are, they’ll say Warren Buffett. Every move he makes makes headlines. Together with Charlie Munger, he built Berkshire Hathaway, one of the biggest names in the S&P 500. Now that he’s stepped down as CEO, we’ve invited Glen Arnold, who literally wrote the book, in fact, all four books of The Deals of Warren Buffett.
🤝 Want 1:1 financial help
Ben Felix: The Problem With Saving 10% of Your Income
Ben Felix has one of the few personal finance channels I watch. Chief Investment Officer at PWL Capital, he also co-hosts the Rational Reminder podcast. We discuss the finance ‘rules’ to avoid, why human behavior makes us bad investors, and the questions you need to ask if you want your money to support a better life. Ben also opens up about his cancer diagnosis earlier this year and h
Financial Adviser Explains How to Get Ahead in 2026
To kick off the year we asked for your biggest money questions, which we're answering with financial adviser and friend of the podcast, Lisa Conway-Hughes.
This is Lisa’s advice firm LCH Wealth: https://lchwealth.co.uk
Set up a Financial Diagnosis Session with Lisa via her assistant Abi: abi@lchwealth.co.uk
Correction: At 5:06 Lisa misspoke and said Tom would need 12-24k for 3-6 months of expens
How 2025 Changed How We Think About Money
It’s our final episode of 2025! To celebrate, we’ve brought back the hat to answer your questions. What’s been our favourite episode? Which guest completely changed our mind? And would we rather fight a duck-sized bear or a bear-sized duck? Plus, watch out for an incredible reveal from T… enjoy!
💬 Do you have a money story you'd like to share on the podcast?
https://makingmoney.email/listener
ARCHIVE: I Did Everything Right...Then Lost Nearly £20,000!
Amy is a member of the Making Money audience. Many of us have made mistakes in our investing journey but not everyone is brave enough to come on and tell us about it.
This episode was first published in November 2024
If you’ve had a big financial lesson like Amy and you’d like to share it with us, email our producers Ruth and Emma at ruth@getmost.co.uk
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If You Understand This, You’ll Never Fear a Market Crash Again
Most of us just want to know one thing: what’s the best way to invest? Decades ago, William J. Bernstein had the same question, so he decided to find out. That led him to become an early supporter of the simple, evidence-based approach: keeping costs low, diversifying widely, and not trying to beat the market. It’s basically the philosophy behind modern index investing and he shared it through sev
Most People Don't Understand What Money Actually Is
How To Own The World’ was probably the biggest influence on me getting into investing. Its author, Andrew Craig, has now released a new edition tailored for readers under 30 (https://amzn.eu/d/4QqRHdJ).
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How Worse Off Will You Be After the Budget?
Who are the winners and losers of the Budget? What happened to growth? Will the tax changes actually happen? We sat down with Helen Miller, Director of the Institute for Fiscal Studies (IFS) to answer your questions.
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Stay Tuned...Budget Special Coming Later Today!
Sorry there's no episode for you to get stuck into yet, that's because we're recording a special budget episode with the Director for the Institute of Fiscal Studies, Helen Miller today. We'll be uploading the episode as soon as it is done so stay tuned!
Self-Employed: What You Need To Know
When is it the right time to open a limited company? How should you budget when you're self-employed? And how do you stay as tax-efficient as possible? You sent us your biggest questions about self-employment, so we brought in financial planner and trained accountant Tom Ashworth, who’s also helping T set up his own Ltd company, to answer them.
📞 Book a free chat with Tom: https://makingm
Can Labour Fix The UK’s Pension Crisis? Torsten Bell MP
Nearly half of working-age people are saving nothing for retirement — so what’s gone wrong, and what changes are coming? We sat down with Pensions Minister Torsten Bell at the Pensions UK conference in Manchester to unpack the government’s plan.
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Britain's Pension System Is In Danger
We’re living longer, saving too little, and the state pension’s under pressure. So, can we actually afford to retire in the future? Our favourite pensions expert Tom McPhail joins us to chat through what’s changing in the current pension system, what’s not, and what it all means for your future.
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Should You Still Invest if You Think the Market Will Crash?
The ‘AI Bubble’? The ‘Everything Bubble’?...Is the stock market actually overvalued? And what should you do about it? We’re in Manchester this week, joined by local friend of the podcast and YouTuber Toby Newbatt for a deep dive into markets.
Be one of the first to test our new financial guidance AI (don't worry, we're not robot overlords yet) : https://getmost.co.uk/chat
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The One Change That Could Solve Inequality - Nobel Prize Winner
The free market hasn’t made us free — that’s the case Nobel Prize-winning economist Joseph Stiglitz makes in his latest book 'The Road to Freedom'. So how do we fix it?
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What I Learned Teaching Billionaire Kids About Money
Maybe being good with money isn’t about never making mistakes — it’s about learning from them. Jessica McGawley helps ultra-wealthy parents teach their kids about resilience and responsibility — lessons she says every family needs to learn too.
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Is the system designed to keep you poor?
Why aren’t we taught about money — and who benefits from keeping it that way? Abigail Foster wants to fix the UK’s financial literacy problem. A trained accountant, she’s built a massive Instagram following (@abigailrosefoster) and taught over 50,000 schoolchildren through her company Elent. She’s now written a book, The Money Manual — but despite working with institutions like HMRC and the Treasu
Your taxes are about to go up (again)
Are tax rises on the way? With taxes already at record highs but public services still under strain, the government faces tough choices. Helen Miller, the new director of the IFS (Institute for Fiscal Studies), warns that politicians aren’t being honest with voters and makes the case for bold tax reform.
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Are you saving enough in your pension?
Around 70% of people have no retirement plan, and most aren’t saving enough, says Joe Dabrowski, Deputy Director of Policy at Pensions UK. They are the people behind the Retirement Living Standards, which outline the annual cost of a minimum, moderate, or comfortable retirement.
Here’s our pension provider cheat sheet: https://makingmoney.email/pension-cheat-sheet
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Is it too late to start investing?
What happens if you start investing late? Georgie Frost was in significant debt in her 20s and had only £1,500 in her pension at 31. Now she’s Editor-at-Large at Times Money Mentor and one of the hosts of the Daily Mail’s This Is Money podcast.
💬 Do you have a money story you'd like to share on the podcast?
https://makingmoney.email/listener-story-form
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The golden age of returns is over
Whenever you see long-term stock market averages quoted, chances are they come from Elroy Dimson’s research. Together with Mike Staunton and Paul Marsh, Dimson co-authored The Triumph of the Optimists, the landmark study of 101 years of global investment returns—now expanded to cover more than 125 years of market history. He also helped create the FTSE 100 Index and advised Norway’s sovereign weal
100th episode: This changed how we invest
It’s our 100th episode—has the podcast changed how we invest? What was our favourite episode? Who’s taller? We’re picking your questions out of a hat and answering some from past guests, including Meaningful Money’s Pete Matthew and Toby Newbatt.
💬 Do you have a money story you'd like to share on the podcast?
https://makingmoney.email/listener-story-form
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Is now a good time to invest in gold?
Is gold a good investment? It recently hit its highest price in real terms since the 1980s, but is it worth it? Ramin Nakisa is host of Pensioncraft and a friend of the podcast.
*We made a small mistake in that episode, 920 is 22 carat not 20!
💬 Do you have a money story you'd like to share on the podcast?
https://makingmoney.email/listener-story-form
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How to fix your pension before it's too late
Are you making the most of your pension? Most people aren’t — and it could be costing them thousands. Journalist Alice Guy is former Head of Pensions at Interactive Investor and a qualified chartered accountant. She breaks down how to get the most from your DC pension: from salary sacrifice and tax relief, to checking out how you’re invested and boosting your long-term pot.
Here’s our pensi
The next economic shift has just begun
Can AI boost living standards like the Industrial Revolution did—or will it be humanity’s last invention? Andrew Leigh is an economist, Australian MP and author of ‘The Shortest History of Economics’ (https://shorturl.at/pT8Wy).
💬 Do you have a money story you'd like to share on the podcast?
https://makingmoney.email/listener-story-form
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How parents raise bad investors
Are you teaching your children the right things about money? What is the impact of poor financial education? Do children who are paid for chores fail to learn responsibility? Louise Hill is the co-founder and CEO of GoHenry, a financial education app that helps children and teenagers manage their money.
📩 80% of what you need to know about personal finance on 2 pages: https://tr.ee/eI-IYXlBn6
Do we need to change our minds about index funds?
What happens when the market changes — and you don’t? Can sticking to your strategy be the biggest risk of all? What can we learn from investors who failed to adapt? Tim Harford is an economist, journalist, author of books such as ‘How To Make The World Add Up’ and host of The Cautionary Tales podcast.
📈 Here’s my free investing course:
https://makingmoney.email/investing-course-audio
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ARCHIVE: How do you fix your money issues?
Vicky Reynal is a financial psychotherapist who deals with a wide range of issues, from overspending to money secrets and self-sabotage. Her book, Money on Your Mind looks at how we can develop a better relationship with money, because it pervades everything we do.
*Warning: We discuss some issues in the episode such as anorexia that some listeners might find it difficult listening to*
This ep
What to do when you disagree about money
Do you and your partner disagree when it comes to investing? Are you a saver while they’re a spender — or is it the other way around? Does a 50/50 split feel unfair? Sara Jane Maxwell is a financial coach and founder of Wealth Coach, where she helps individuals and couples work through their money-related issues.
Share your visualisation in a comment, and find out more about Sara’s work here: htt
Is buy-to-let dead?
Is buy-to-let dead in the UK - and should it be? Rob Dix, one of the founders of Property Hub and both a landlord and tenant, breaks down how various factors have reshaped the market. With landlord numbers falling and returns fading, what role should property play in the UK’s — and investors’ — future?
➕ You can grab Rob’s free tools, including the calculator here: https://www.propertyhub.net/mon
Are too many people passive investing?
As you know, we’re big fans of passive investing — it’s simple, low-cost, and it works. But with passive funds now making up nearly 60% of US stock funds, what has that done to the market? Dimitri Vayanos is Professor of Finance at the London School of Economics and co-author of the award-winning paper Passive Investing and the Rise of Mega Firms.
Read Dimitri’s paper here: https://personal.lse.
Defined Benefit (DB) pensions: What you need to know
Do you have a Defined Benefit (DB) pension but not quite sure how it works? Is there a way to retire early in a DB scheme? Is transferring out ever really worth it? Financial adviser Peter Lawlor, from Expert Pensions Advice, has over 30 years of experience and breaks it all down.
You can book a free call with Peter here: https://calendly.com/peter-1138/60min
Or you can email him here: peter@exp
Consider this before getting married
Is getting a prenup just for the ultra-rich? What if it’s just smart planning for everyone? Family lawyer Ursula Danagher says financial conversations early in a relationship could save you big time later. From protecting your pension to avoiding costly legal battles, this is advice every couple should hear.
Ursula's details: https://www.spencer-west.com/team/ursula-danagher/
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Why wealth taxes fail - and what we should do instead
Is a wealth tax the answer to fixing an unfair tax system? Tax expert Dan Neidle says no — and reveals why wealth taxes don’t work, how a land tax could be fairer, what real reform would look like, and why no politician has the guts to do it.
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Is the global economy about to change forever?
What’s really going on with the global economy? Is the U.S. heading for a recession — and could the UK be among the worst hit? Anatole Kaletsky, Chief Economist at Gavekal and author of Capitalism 4.0, argues that both the U.S. and UK are stuck in outdated, pre-2008 economic thinking. He warns of a U.S. recession before year-end, a potential fiscal crisis in the UK, and a major shift in global eco
Is there a 'right' way to invest?
What can history teach us about investing? Is there a right way? Russell Napier—financial historian, author of The Anatomy of the Bear, and founder of the Library of Mistakes—shares what centuries of market behavior reveal about asset allocation, financial repression, and why even the smartest investors get it wrong.
📖 Here’s my free investing course if you don’t fancy reading all the books
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How do you fix inequality?
Living standards have stalled — you're worse off than 20 years ago. How do we fix it? David Willetts is a Conservative Member of the House of Lords and President of the Resolution Foundation, where he looks at intergenerational fairness, the theme of his book The Pinch. One of the foundation’s more controversial ideas? Capping ISAs at £100k.
💬 Do you have a money story you'd like to share
How to get a guaranteed income for life - annuities explained
What are annuities and are they worth it in 2025? With interest rates rising, annuities, which give you a guaranteed retirement income, have been making a comeback. Mark Ormston from Retirement Line, one of the UK’s leading annuity brokers, explains how they work, what returns you can expect and whether they make sense for your pension strategy.
✖️ Check out this annuities calculator Mark gav
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