The Money To The Masses Podcast
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 goals Each 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: damien@moneytothemasses.com or visit https://moneytothemasses.com
Episodes
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 y...
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 al...
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 ...
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 pr...
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, prac...
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.
Dam...
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.
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" days
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...
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 ...
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 bei...
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, breaki...
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 ceilin...
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 v...
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...
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...
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 ...
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 fund...
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 ...
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 o...
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