The Money To The Masses Podcast

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.

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Links referred to in the podcast:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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MoneyHelper

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 newsletter
MTTM Podcast Episode 327 - How to achieve financial independence (Full Episode)
Best Budgeting Apps 
Entitledto (Benefits Calculator)
Damien's Money MOT Tool
StepChange Debt Charity
Dave Ramsey's 7 Baby Steps

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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 newsletter
Check your state pension forecast
DWP callback request form
How to earn National Insurance credits
NI top-up deadline extended
How to fill gaps in your national insurance record
Moneyhelper pension calculator
What is auto-enrolment?
Salary sacrifice explained
Pension tracing service
Free pension review with Unbiased
Compare annuities
The best pension income in retirement
Pension carry-forward rules

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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.

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Support the show by visiting and bookmarking our dedicated podcast page:
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Links referred to in the podcast:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Pensions Schemes Act
Are Stock Markets set to crash?

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 newsletter
How to become a Millionaire
MTTM Episode 456 - Listen to the full episode 
MTTM Savings & Investment Calculator

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