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Headsup On Money
Benjamin Mitchell
127 episodes
1 day ago
In this, the final episode of Headsup on Money for 2025, Benjamin builds on last week's discussion on how much you should target in your 'retirement pot' to achieve a comfortable retirement. Achieving a £1.5M portfolio may seem challenging and almost impossible, but getting there isn't as hard as you may think. Benjamin brings this to life with various real life scenarios and looks at how timeframes, growth rates and monthly investment amounts can have a huge impact on the longer ...
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Investing
Business
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All content for Headsup On Money is the property of Benjamin Mitchell and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
In this, the final episode of Headsup on Money for 2025, Benjamin builds on last week's discussion on how much you should target in your 'retirement pot' to achieve a comfortable retirement. Achieving a £1.5M portfolio may seem challenging and almost impossible, but getting there isn't as hard as you may think. Benjamin brings this to life with various real life scenarios and looks at how timeframes, growth rates and monthly investment amounts can have a huge impact on the longer ...
Show more...
Investing
Business
Episodes (20/127)
Headsup On Money
126- A £1.5M Portfolio Is Easier To Achieve Than You Think
In this, the final episode of Headsup on Money for 2025, Benjamin builds on last week's discussion on how much you should target in your 'retirement pot' to achieve a comfortable retirement. Achieving a £1.5M portfolio may seem challenging and almost impossible, but getting there isn't as hard as you may think. Benjamin brings this to life with various real life scenarios and looks at how timeframes, growth rates and monthly investment amounts can have a huge impact on the longer ...
Show more...
1 day ago
22 minutes

Headsup On Money
125- How Much You Need In Your Portfolio To Retire on £4,000 A Month
Planning for retirement can be hard when you don't know how retirement will take shape. How much do you need to afford a good standard of retirement? The answer is higher than you think it is. Probably much higher. Which reinforces the need to plan early and invest in the right asset classes to help take you there. Here's the resource Benjamin mentioned at the end of the episode. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he...
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1 week ago
21 minutes

Headsup On Money
124- What You Avoid Is More Important
With the Never Ending Worry Service (news) all around us when it comes to our money it can be hard to know what to do. However, in this episode Benjamin challenges the normal convention that we should focus our attention on what we should do, or what we should buy. What if instead we focused on what we should avoid and what we in fact shouldn't do? Avoiding financial mistakes can have a far greater impact on the success of our financial plans. This episode discusses wh...
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2 weeks ago
12 minutes

Headsup On Money
123- Budget 2025 Special (What You Need To Know)
As promised, in this special episode Benjamin summarises the main takeaways from the 2025 Autumn Budget. Rachel Reeves delivered her second Budget a little over a day ago, and everything you need to know and do is contained in this summary episode. Benjamin summarises the waffle: Changes to cash ISAsFreezing of income tax thresholdsNew income tax rates on property, interest and dividendsSalary sacrifice changesInheritance TaxAnd more. Finally we have some clarity and the rumo...
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3 weeks ago
39 minutes

Headsup On Money
122- Earning Over £100,000 A Year (Or Close To It)?, Avoid The 60% Tax Trap
If you're earning over £100,000 a year, or are closing in on that level then this is the episode for you. For every £2 of income above £100,000 you lose £1 of your personal allowance, which means previously tax-free income is now subject to tax. This can result in a whopping tax rate of 60% south of the border, and 67.5% north of the border. Fortunately, there are ways you can plan to avoid this tax charge from occurring. Benjamin outlines the main strategies in this w...
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4 weeks ago
25 minutes

Headsup On Money
121- Master Your Financial Health (With Guest Rob Macdonald)
In this episode Benjamin is joined by our first international guest, Rob Macdonald to chat about mastering your financial health. Rob brings a wealth of knowledge and experience on the subject of behavioural finance and why investors struggle to achieve the financial returns they deserve. Together they discuss: Why topics like clarity and confidence are so important when it comes to your money. The merits of partnering with a professional adviser to help you meet your f...
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1 month ago
34 minutes

Headsup On Money
120- Diversify Your Tax Strategy
In this episode Benjamin discusses a new way to think about diversification when it comes to your financial planning. For once, we're not talking about investment diversification, rather tax diversification, and spreading your wealth appropriately across taxable, tax-deferred and tax-free wrappers. This episode should give you some food for thought to help you feel less worried about changes in tax rules. It's inevitable that changes will come (pensions and IHT in 2027 are p...
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1 month ago
22 minutes

Headsup On Money
119- Trick or Treat (Scary Financial Planning Mistakes)
Welcome to a Halloween themed episode of Headsup on Money. In this episode Benjamin shares some ghoulish commentary on the most common mistakes we make with our financial planning. By the end of this episode you'll know how to transform these tricks into treats. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or sc...
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1 month ago
19 minutes

Headsup On Money
118- Little Ways To Think About Big Things (Morgan Housel's Wisdom)
In this episode Benjamin shares some financial learns from the mighty Morgan Housel. Thinking about the big things in a little way can help us to digest what initially appears scary and overwhelming. It can also help us to recognise our limitations and biases and make us more successful investors and happier humans! Here's a link to more on this topic by Morgan Housel. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never mak...
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1 month ago
26 minutes

Headsup On Money
117- Can Money Make You Happy? (Unlocking Financial Wellbeing with Guest Ruth Sturkey)
In this episode Benjamin is joined by Ruth Sturkey, former Chair of the Institute for Financial Wellbeing. Together they discuss how to live a rich and rewarding life and where financial wellbeing fits into the bigger picture. Can money make us happy? Here's the link to Ruth's website, and her LinkedIn account. She also has a great mailing list which can be signed up to here. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you...
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2 months ago
40 minutes

Headsup On Money
116- The Two Tests To Tune Out Market Noise
In this episode Benjamin discusses investment market noise and how you can apply two simple tests to check whether you need to pay attention, or tune it out. Why are so few of us successful investors? This episode helps explain our often flawed best intentions. Jargon free as per! Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be...
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2 months ago
18 minutes

Headsup On Money
115- Cliff Edges You Need To Know About
The UK financial planning and tax planning landscape often isn't very fair. Small incremental changes to your income and/or asset position can result in punitive tax charges and loss of wealth. Loss of personal allowance Loss of child benefit Loss of your Residence Nil Rate BandLoss of tax free child careLoss of Personal Savings Allowance...In this episode Benjamin summarises these 'cliff-edge events' so that you can go into this with your eyes open and actively plan to avoid ...
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2 months ago
25 minutes

Headsup On Money
114- Budget 2025 Special, What Should You Do?
With Rachel Reeves' budget on the 26th November fast approaching, the storms of speculation are circling! In this episode Benjamin reviews the current rumour mill and provides a take on what you should do in light of the media speculation frenzy. The short answer is: not much money nerds. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be c...
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2 months ago
19 minutes

Headsup On Money
113- Marshmallows and Your Financial Planning
In this episode Benjamin (somehow) manages to link marshmallows with good financial planning. Delayed gratification is an important concept when it comes to your personal finances. Perhaps an experiment involving marshmallows from the 1970s can help us to better manage the trade off. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complica...
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3 months ago
18 minutes

Headsup On Money
112- Investing Demystified (With Guest Lars Kroijer, Former Hedge Fund Manager)
In this episode Benjamin is joined by Lars Kroijer, former hedge fund manager to discuss Lars' journey from believing he had an 'edge' when it comes to investing, to recognising our limitations. Together they chat about Active versus passive fund managementWhat does 'risk' really mean? How to structure a basic - but mighty - portfolioWhy as human beings we tend to disregard simplicity? Where does property fit into your financial plan? Financial armageddon and planning for...
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3 months ago
55 minutes

Headsup On Money
111- Can You Pay Into A Pension After You Retire?
Seems absurd doesn't it? Why on earth would you choose to pay into a pension when you are already retired? Isn't the whole point of a pension to take you to retirement? Benjamin challenges the normal way of thinking in this episode and by the end you'll appreciate how pensions can still play a relevant part in your financial plan, even after you've retired or achieved 'financial freedom'. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps ...
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3 months ago
19 minutes

Headsup On Money
110- Financial Freedom Is Not The Same As Financial Independence
In this episode Benjamin discusses the FIRE movement (Financial Independence Retire Early) and cautions why relying on this may mean you're missing the entire point. Financial freedom is another way to approach your financial planning. And for finite human being such as ourselves this is surely the only way to sensibly plan. For more information on the amazing work of Oliver Burkeman check out his website here. At the very least it's worth signing up to Oliver's fantastic ma...
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3 months ago
18 minutes

Headsup On Money
109 - Reflecting on Recent Market Volatility
What can we learn from recent market volatility? Benjamin climbs back onto his financial soapbox in this week's episode and shares his musings on why short-term market wobbles have no relevance to the underlying financial strength of your portfolio. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the...
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4 months ago
11 minutes

Headsup On Money
108- How Much Should You Pay Yourself As A Business Owner ? (Tax Saving Tips), With Guest Dan Heelan
As a small business owner in the UK you likely wear many hats, and accountancy is one area that few business owners admittedly have an interest in. We're never really taught the fundamentals of good business accounting. So in this week's episode we are delighted to welcome Dan Heelan from Heelan Associates to offer his valued insights on how much should Ltd company business owners pay themselves in 2025/26? Dan is somewhat of a celebrity in accountancy circles. He's likely t...
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4 months ago
43 minutes

Headsup On Money
107- Rules of Thumb To Help Your Planning
Overwhelmed and don't know where to start? If you have no idea whether you're on track, or completely off track, then this is the episode for you. Benjamin shares the 'rules of thumb' you can adopt to help guide your financial planning. How much can you withdraw every year without running out of money? How much do you need in your portfolio to be financially independent? This episode will give you a starting point. Join Benjamin Mitchell (themoneyscot), ser...
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4 months ago
20 minutes

Headsup On Money
In this, the final episode of Headsup on Money for 2025, Benjamin builds on last week's discussion on how much you should target in your 'retirement pot' to achieve a comfortable retirement. Achieving a £1.5M portfolio may seem challenging and almost impossible, but getting there isn't as hard as you may think. Benjamin brings this to life with various real life scenarios and looks at how timeframes, growth rates and monthly investment amounts can have a huge impact on the longer ...