What do you aspire to financially? It could be becoming a millionaire or just owning your own home. But whatever your aspirations are, it feels like it is getting harder and harder to feel like we’re on the right path to that.
This week, Chris and Ed dig into the challenges facing people who aspire to make more of their money, from graduates who have the tax system set up against them to those who want to invest but find themselves without the resources to do that.
The guys also consider why people hold so much cash despite knowing investing is a better use of their wealth and why there’s room to be positive, even if you’ve only got £50 a month to set aside.
Do you feel like we’re at an end to the era of aspiration? Do you still have hope for the future? Let us know in the comments 👇
Keywords
aspiration, economic challenges, student debt, investment, financial security, wealth building, economic growth, personal finance, financial education, future planning
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DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Please note, video captions are auto-generated and may not be 100% accurate.
Where next for bitcoin? We’re joined by Daniel Parkinson ‘the Bitcoin IFA’ to review the digital asset’s story of 2025 and where it goes next in 2026.
From regulatory shenanigans in the UK to treasury company uncertainty and the whipsaw of recent cycles, Dan explains his thoughts on what could happen to the price given all we know about markets, money printing and investor behaviour.
How do you feel about bitcoin’s prospects for the year ahead? Let us know in the comments. 👇
Bitcoin, cryptocurrency, digital assets, investing, financial regulation, FCA, market cycles, cryptocurrency investments, Mouthy Money podcast.
Chapters00:01 Introducing the episode, co-host Chris, and returning guest Dan (“Bitcoin IFA”) to talk about Bitcoin’s year and what’s next.
02:17 FCA lifting its own ban on Bitcoin/Ethereum ETNs, patchy platform access, harsh risk warnings, and Dan even failing the eligibility “tick-box” test.
[05:55 ISA chaos: HMRC’s six-month window, forced move to Innovative Finance ISAs, platforms not offering them, and fears of forced selling or loss of tax benefits.
08:51 Chris’s Bitcoin journey, institutional signals, UK rule changes, 2025 all-time highs near ~$120k, and feeling far more confident holding Bitcoin long term.
11:13 Short-term drawdown since the peak, Dan’s cycles framework (daily/weekly/four-year), expectations for a weekly low and a four-year low in late 2026, and lump-sum vs DCA.
19:18 Tech stock froth (e.g. 600x P/E Palantir), Bank of England valuation worries, and the “inherent value” debate comparing Bitcoin, gilts, gold, stocks, and the rubber dinghy analogy.
22:30 Bitcoin treasury companies like Strategy: leverage worries, FUD every cycle, dividend buffers, and how traditional finance struggles to understand new Bitcoin-centric models.
25:06 Why straightforward Bitcoin exposure (on-chain or ETN) beats opaque corporate wrappers, plus the “vault vs engine/playpen” portfolio idea and where high-volatility crypto fits.
29:20 “Bitcoin is dead” headlines, missed early-adopter stories, on-chain whale and OG selling, 95% of Bitcoin mined, future halvings, and the long-term scarcity thesis.
35:23 Ongoing money printing, the Fed ending QT, expected liquidity tailwind into markets, and a hopeful close looking ahead to 2026 and the future of Bitcoin.
Keywords Bitcoin, cryptocurrency, digital assets, investing, financial regulation, FCA, market cycles, cryptocurrency investments, Mouthy Money podcast.
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Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.
Want to listen to our regular episodes on the go? We’re on Spotify and Apple Podcasts:
🔗https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=0b1b07fa0e2a4dda
🔗 https://podcasts.apple.com › podcast › mouthy-money
Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Please note, video captions are auto-generated and may not be 100% accurate.
The 2025 Budget has finally landed - Ed and Chris unpick three key areas you need to be aware of for your money and long-term wealth.
What’s your take on the big moves? Let us know in the comments. 👇
The announcements include big threshold freezes to income taxes and a sneaky student loan earnings threshold freeze.
Savers have also been hit with hikes to dividend taxes, savings taxes and pension salary sacrifice allowances.
Meanwhile the Cash ISA allowance cut has finally been confirmed, leaving savers less space to shelter their cash from tax.
And finally, the guys consider the implications of the new ‘mansion tax’ which will just make the already broken council tax system even worse, all while generating an embarrassingly small amount of money.
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.
Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Please note, video captions are auto-generated and may not be 100% accurate.
What does it mean to be “rich” in Britain in 2025?
In this episode of the Mouthy Money podcast, editor Edmund Greaves and co-host Chris Tuite examine how people in the UK think about wealth, why many don’t feel rich even on high incomes, and what this means for policy, politics and personal finances.
Drawing on recent research reported in The Times, they discuss why around 90% of people earning £100,000–£125,000 a year don’t consider themselves rich, and how cost of living pressures, inflation and stagnant wage growth have reshaped what “wealthy” feels like.
They contrast subjective feelings of comfort or precarity with objective indicators such as income, home ownership, pensions and savings.
SOURCES
Wealth report in the Times: https://www.thetimes.com/money/family-finances/article/what-it-takes-to-be-rich-in-britain-today-gxw3grh3f
IFS report on trends in income and wealth inequality: https://ifs.org.uk/publications/trends-income-and-wealth-inequalities
Fairness Foundation on wealth inequality: https://acss.org.uk/wp-content/uploads//Wealth-inequality-and-growth-in-the-UK-policy-briefing-Nov-2025.pdf
Kings College London report on wealth taxes:https://www.kcl.ac.uk/news/wealth-tax-rich-list-could-raise-billions
‘The housing theory of everything’: https://worksinprogress.co/issue/the-housing-theory-of-everything/
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.
Want to listen to our regular episodes on the go? We’re on Spotify and Apple Podcasts:
🔗https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=0b1b07fa0e2a4dda
🔗 https://podcasts.apple.com › podcast › mouthy-money
Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at editors@mouthymoney.co.uk
🔎 Keywords
Mouthy Money podcast, UK wealth 2025, rich in Britain, cost of living crisis UK, wealth inequality UK, wealth gap, baby boomer wealth, inheritance, inheritance tax, wealth tax, top 1 percent, social mobility UK, squeezed middle, housing crisis UK, house prices, renting vs owning, pensions, intergenerational inequality, AI and jobs, future of work, personal debt UK, credit card debt, student overdraft, financial education, tax system UK, fiscal policy, neoliberalism, social contract, consumer choice, money mindset, financial security, Edmund Greaves, Chris Tuite.
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Please note, video captions are auto-generated and may not be 100% accurate.
For generations, owning a home has been at the heart of the British dream, the ultimate sign of financial success and stability.
But in 2025, is property still the sure-fire investment it’s cracked up to be?
In this episode of the Mouthy Money Podcast, hosts Edmund Greaves and Chris Tuite are joined by Marianna Hunt, Associate Director at Fidelity International, to dig into the numbers behind the nation’s love affair with bricks and mortar.
Marianna shares eye-opening new research revealing that UK property has lost money in real terms over the past few years when inflation is factored in.
She explains why the old mantra of “my home is my pension” could leave people exposed and why a mix of pensions, ISAs, and global investments may be a smarter way to build long-term wealth.
Together, the trio explore how cultural attitudes, rising interest rates and shifting affordability have reshaped the property market.
They also discuss the emotional side of home ownership, from the security it brings to the stress of tying up all your savings in one asset.
💬 In this episode:
Why property isn’t the guaranteed win many believe
How homeownership fits into a balanced financial plan
The real returns on property vs global stocks
Why Brits invest so little outside of housing
Simple, practical tips for diversifying your money
If you’ve ever wondered whether buying a house is the best route to financial freedom, or if your “property-as-pension” plan still stacks up, this is essential listening for anyone thinking seriously about money, housing and their future.
⏱️ Chapters
00:00 - Intro
03:09 - Chris and Ed’s view of their properties
08:50 - The truth about property as an investment
12:45 - “My property is my pension”?
16:10 - Diversifying beyond bricks and mortar
19:50 - Why Brits love property so much
25:40 - Building a balanced financial plan
30:10 - Final thoughts
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.
Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Please note, video captions are auto-generated and may not be 100% accurate.
Brewdog is perhaps the poster child of the crowdfunding movement in the UK. Popularised under the ‘Equity for Punks’ schemes, after years of free beer cases one investor has now been left with a sour taste in his mouth.
Anthony Morrow, a respected founder, business owner and investor shares his experiences as a Brewdog crowdfunder and on other schemes such as burritos and Deliveroo.
He thinks that anyone thinking about the offer of crowdfunding should be very careful and aware of the drawbacks.
Ed and Chris share their experiences too. Ed has invested at one time in the Monzo crowdfund campaign, but is still waiting to see if his ‘on paper’ gains come to fruition. Chris, meanwhile, has never crowdfunded but intends to invest in his local community pub when he gets the opportunity.
The guys share their wider thoughts on whether crowdfunding is worthwhile, or if it is a way for companies to capture online audiences who think they have a stake in the business, only to be sold down the river by venture capitalists behind the scenes.
They also look at the wider implications for equity markets in the UK, including why initial public offerings (IPOs) aren’t necessarily a good time to buy, instead they should be understood as an exit point for successful founders and early-stage investors.
But ultimately, they agree that public and open investment markets are better for the health of businesses and private investors looking to their long-term portfolio growth.
Let us know what you think in the comments and don’t forget to like and subscribe for more about money and wealth!
CHAPTERS
00:00 Introduction
02:26 Brewdog a case study in crowdfunding
11:57 The risks and rewards of crowdfunding
16:13 IPOs and the realities of investing in public markets
23:12 the future of crowdfunding and investing in them
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.
Want to listen to our regular episodes on the go? We’re on Spotify and Apple Podcasts:
🔗https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=0b1b07fa0e2a4dda
🔗 https://podcasts.apple.com › podcast › mouthy-money
Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Please note, video captions are auto-generated and may not be 100% accurate.
It’s easy to be drawn into ideas that promise high returns and low effort or risk - but for the most part this is either deluded or a straightforward scam.
Pushing back against the more toxic types of online ‘hustle culture’ means redefining what our income is and how we use it to ensure long-term wealth growth.
This means thinking of our income as an asset to be used, valued, nurtured and grown - instead of hoping for a miracle down the road.
A concept made famous by American financial influencers such as Dave Ramsey the idea that ‘income is your most valuable asset’ can help us to ensure we’re not then giving that asset away - be it through debt, overspending or bad investments.
Instead its about ensuring that your income is working as hard as possible to achieve your long-term goals. As our routine mantra on the podcast goes - this means making a plan and sticking to it.
Let us know your thoughts in the comments. How do you ensure your income is working as hard as possible for your long-term future financial health?
00:00 Introduction to income as an asset
01:47 Understanding hustle culture
07:42 The philosophy behind income as an asset idea
09:37 Realistic wealth building strategies
13:37 Practical aspects of managing income
18:54 Stability and decision making with money
20:31 Celebrating small victories and continuous learning
TAKEAWAYS
-Income is an asset that should be leveraged for wealth.
-Simply earning income won't make you a millionaire.
-Establish a clear understanding of your income.
-Think strategically about using income for investments.
-Income should not just cover bills but build wealth.
-Long-term wealth requires active management of income.
-Investing income wisely is crucial for financial growth.
-Understanding income's role can change financial perspectives.
-Wealth building is a proactive process, not passive.
-Income management is key to financial success.
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.
Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Please note, video captions are auto-generated and may not be 100% accurate.
Are index-tracking passive funds too concentrated on US tech? Fears are rising that, thanks to the wild success of the so-called ‘Magnificent Seven’ tech stocks, investors in passive index funds are becoming over-exposed to a small number of equities.
We’re joined by Mohneet Dhir, co-founder of advice firm &together and former Vanguard Lifestrategy fund manager, to look at whether market concentration is a real concern and if investors can pick active funds to avoid the problem.
Let us know in the comments what you think of the market concentration issue. Has it changed your investing plans?
SHOW NOTES
You can find more about Mohneet and &together here:
https://and-together.co.uk/about-us/
Chapters
00:00 Introduction to Investment Strategies
02:57 Understanding Fund Management and Antogether
05:26 The Passive vs Active Investment Debate
11:02 Exploring Vanguard's Life Strategy Funds
16:28 Market Concentration and Its Implications
22:20 The Role of Fund Managers and Investment Selection
27:25 Navigating Investment Choices and Diversification
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!
Want to listen to our regular podcasts on the go? We’re on Spotify and Apple Podcasts:
🔗 https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u
🔗 https://podcasts.apple.com › podcast › mouthy-money
Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter too.
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Please note, video captions are auto-generated and may not be 100% accurate.
Are index-tracking passive funds too concentrated on US tech? Fears are rising that, thanks to the wild success of the so-called ‘Magnificent Seven’ tech stocks, investors in passive index funds are becoming over-exposed to a small number of equities.
We’re joined by Mohneet Dhir, co-founder of advice firm &together and former Vanguard Lifestrategy fund manager, to look at whether market concentration is a real concern and if investors can pick active funds to avoid the problem.
Let us know in the comments what you think of the market concentration issue. Has it changed your investing plans?
SHOW NOTES
You can find more about Mohneet and &together here:
https://and-together.co.uk/about-us/
Chapters
00:00 Introduction to Investment Strategies
02:57 Understanding Fund Management and Antogether
05:26 The Passive vs Active Investment Debate
11:02 Exploring Vanguard's Life Strategy Funds
16:28 Market Concentration and Its Implications
22:20 The Role of Fund Managers and Investment Selection
27:25 Navigating Investment Choices and Diversification
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!
Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter too.
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Please note, video captions are auto-generated and may not be 100% accurate.
Mouthy Money speaks exclusively to one of the world’s major bitcoin ETN providers on launching back to the UK retail crypto market after the FCA ban lifts.
21Shares manages $80 billion of crypto assets including bitcoin and ethereum.
Duncan Moir, president at 21Shares, talks to Ed and Chris about the lifting of the crypto ETN ban in the UK including:
-What to expect now the ban has lifted
-How 21shares crypto ETNs work
-Where to buy and hold bitcoin ETNs in the UK
-Why some platforms are dragging their feet over listing bitcoin ETNs
-Whether they’ll be available in ISAs and pensions
Are you planning on holding bitcoin ETNs in your portfolio now they’ve been approved for retail investors? Let us know in the comments, we’re always keen to hear from our community!
SHOW NOTES
Find out more about 21Shares on their website:
https://www.21shares.com/en-eu
Chapters
00:00 Introduction to Bitcoin and Market Changes
02:01 The Lifting of the Ban on Crypto ETNs
05:32 Understanding Crypto ETNs and Their Benefits
10:56 Market Demand and Consumer Interest in Crypto ETNs
16:13 Platforms for Trading Crypto ETNs
21:31 Tax Implications and Investment Accounts for Crypto ETNs
27:17 The Future of Bitcoin and Investment Strategies
Bitcoin, ETNs, cryptocurrency, investment, regulation, UK market, Duncan Moir, 21 Shares, financial advice, crypto security, ISAs, pensions, cryptoassets
JOIN OUR COMMUNITY
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more.
Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter.
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Investing can be an emotional process. Especially because it is your money at stake.
Markets are at a strange juncture too - with rumours of AI bubbles, gold soaring and bitcoin hitting all-time highs. It is easy to be swept up by euphoria, or scared into making mistakes.
But what if there was a way to take all the human emotions out of it?
We’re joined this week by Stratiphy founder Daniel Gold to talk about his solution to this problem - quantitative or ‘quant’ investing for the masses.
Typically the preserve of billion dollar investment banks, Stratiphy allows investors to use mathematical, AI and data-driven investment methods that disregard emotion-led decisions and focus on the numbers.
We want to know what you think too. Do you pore over company results? Do you let your heart make the decisions and let your head figure it out later? Let us know your investment style in the comments.
SHOW NOTES
You can find more about Stratiphy here:
And download their app here:
App Store
https://apps.apple.com/gb/app/stratiphy/id1550112891
Google Play
https://play.google.com/store/apps/details?id=io.stratiphy.app
You can also find out about Stratiphy’s own crowdfunding campaign, mentioned by Daniel, here:
https://www.crowdcube.com/early-access/stratiphy25
Chapters
00:00 Introduction to the Podcast and Guests
01:00 Understanding Quantitative Investing
03:00 Market Overview: Head vs. Heart in Investing
08:53 Exploring Quantitative vs. Fundamental Investing
11:08 Stratify: Making Quant Investing Accessible
13:49 Long-Term Wealth Generation with Stratify
17:00 The Role of Data in Investment Strategies
19:00 Investment Options and Partnerships
20:42 Understanding User Preferences in Investing
23:03 Performance in Bear Markets and Economic Downturns
29:47 Fees and Accessibility of Stratify
32:41 Conclusion and Final Thoughts
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!
Want to listen to our regular podcasts on the go? We’re on Spotify and Apple Podcasts:
https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u
https://podcasts.apple.com › podcast › mouthy-money
Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter too.
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Not everyone gets help from their parents when they start out in life. From building a safety net or ‘rainy day fund’ to cobbling together a house deposit - many have to scrimp and save in order to achieve their early goals.
We’re delighted this week to be joined by HMRC’s Emma Ferris to help us dig into getting started with saving. Emma explains to Chris and Ed how the Help to Save scheme works, who it is available for and what to expect.
Plus, the hosts both talk about their own experiences ‘starting from zero’ some of the things they’ve learned and mistakes they made along the way.
Let us know how you got started in life, we’d love to hear how people began their long-term savings journey!
SHOW NOTES
For more information on the UK Government’s Help to Save scheme please visit:
https://www.gov.uk/get-help-savings-low-income
Or on the HMRC app:
https://www.gov.uk/guidance/download-the-hmrc-app
Chapters
00:00 Starting from Zero: Personal Financial Journeys
06:06 Understanding Help to Save Scheme
14:50 Building Financial Resilience and Habits
18:46 The Importance of Saving and Planning for the Future
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!
Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter too
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
When does your money start working harder than you?
Renowned investor Charlie Munger once said that saving the first 100k of wealth was the hardest part. After that, the ‘tipping point’ meant interest earned would make future compounding ever easier.
In our latest episode, Chris considers his family’s own wealth tipping point and how he calculated it.
Plus Ed asks some searching questions over whether the concept of a wealth tipping point really can work for everyone.
Do you find the concept of a wealth tipping point? Has it galvanised your efforts to hit the magic number? Let us know in the comments.
SHOW NOTES
Chapters
00:00 Introduction to the Tipping Point Concept
01:08 Understanding Compound Interest and Its Importance
04:28 The Role of Passive Income in Investments
08:25 Calculating Your Tipping Point
11:15 Practical Considerations for Reaching Your Tipping Point
14:12 What to Do After Hitting the Tipping Point
19:16 Cautions and Psychological Aspects of Investment
22:23 Final Thoughts on Investment Strategies
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DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
With economic storm clouds on the horizon and Governments printing their money into oblivion, Mouthy Money podcast host Edmund Greaves is taking a big step with his pension investing - he’s getting into gold and maybe bitcoin too. He explains to co-host Chris Tuite why he’s allocating some of his money into gold as a hedge against the economic malaise, why he’s considering physical bullion and where bitcoin could now slot into his defensive plans when it becomes available again in the UK after 8th October. We want your views on Edmund’s choices. Is gold a good place to be? Or should he be in bitcoin as the world’s most modern alternative asset? Let us know in the comments, and don’t forget to like and subscribe for more.See our past bitcoin chat with Daniel Parkinson (referenced in the video) here: https://youtu.be/djYpGxGMVLA?si=zlmNm6qcKYMo3Df6 SHOW NOTESChapters00:00 Introduction and Current Economic Climate02:49 Investment Strategies: Gold vs. Bitcoin05:32 The Case for Gold as a Safe Haven10:54 Exploring Bitcoin as an Alternative Investment16:42 Final Thoughts on Diversification and Risk ManagementSound Bites"Is gold the only safe haven?""Gold is the oldest asset in history.""It's about having skin in the game."CONNECT WITH USThank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.ukDISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
What would happen if your salary suddenly stopped? Most ofus live month-to-month on our pay, but few have a real safety net. In this episode, Edmund Greaves and Chris Tuite (MRM) sit down with Dale North, CEO of Pure Protect, to demystify the world of “protection”: life cover, critical illness, income protection, and family income benefit.
We talk about the shocking reality that the average incomeprotection claims tend to last months and years, not weeks. How COVID changed the way people think about fragility of their income. The reality around claims payouts and why you should review your protection cover every two years and notjust set and forget.
Packed with real client stories and practical examples, thisepisode is a clear roadmap to building a contingency plan your family will thank you for.
Chapters:
00:00 What if your pay stopped tomorrow?
01:20 What “protection” really means
03:36 Why mortgages trigger protection conversations
06:53 The shocking stat on income protection claims
09:35 COVID and the fragility of income
12:38 Making cover affordable
13:13 Family Income Benefit explained
15:32 Real client stories of protection in action
16:21 Do insurers really pay?
20:12 Costs, commissions, and affordability
26:34 Two incomes, unequal risk
27:05 The advice journey and underwriting
33:08 Don’t set & forget: reviews matter
36:00 Trusts: faster payouts, fewer headaches
38:18 Wrap-up & actions
SHOW NOTES
Visit Pure Protect at pureprotect.co.uk
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!
Discover more at https://www.mouthymoney.co.uk/ andsubscribe to our weekly newsletter too
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with aregulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you canafford to lose. For more information visit www.fca.org.uk/investsmart
The rise of financial influencers or ‘finfluencers’ has been one of the biggest trends in online financial media in the past five years. Now with huge audiences, even the Prime Minister is tapping into their online reach.
Mouthy Money speaks to one of the UK’s most prominent online financial creators, Gabriel Nussbaum, otherwise known as ‘That Money Guy’ who has garnered an audience of millions for his playful but straight talking and digestible financial social posts.
Gabriel talks to hosts Ed and Chris about everything from common financial mistakes to the psychology of managing money, how finfluencers earn a living and identifying red flags in online social content.
SHOW NOTES
Gabriel’s (That Money Guy) channels:
https://www.tiktok.com/@gabriel.nussbaum
https://www.instagram.com/gabrielinussbaum/
https://www.linkedin.com/in/gabriel-nussbaum/
https://www.facebook.com/gabrielinussbaum/
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!
Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter too
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
It’s easy to find influencers online who project an image of home living perfection. But did you ever wonder how they pay for it?
Small improvements can be funded from savings, 0% cards or normal loans but bigger projects require either remortgaging or what is called a ‘second charge mortgage’
Mouthy Money speaks to David Coleman from Positive Lending, a leader provider of second charge mortgages.
David breaks down for Ed and Chris how the loans work, what people need to consider when looking at ways to fund their home improvement and what to look out for in the process.
More about Positive Lending
David Coleman
https://www.linkedin.com/in/david-coleman-44855226/
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!
Discover more at https://www.mouthymoney.co.uk/ and subscribe to our weekly newsletter too
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Edmund Greaves and Chris Tuite chat with workplace finance expert Matthew Mitten about why money at work really matters. From pensions and digital tools to the psychology of spending, they dig into how employers can step up, get staff engaged, and finally make financial wellbeing more than just a buzzword.
More about SecondSight: https://second-sight.com/news/secondsights-key-happy-clients/
More about Foster Denovo: https://www.fosterdenovo.com/
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!
Discover more at www.mouthymoney.co.uk and subscribe to our weekly newsletter too
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Do you worry about the little things when it comes to money? We might have the answer!
Mouthy Money meets Mat Megens, founder of money app HyperJar and author of 10 things I love about money.
We find out about what led Mat from a farm in Canada to a high finance career, fintech founder and now money author and how the book can help normal people better understand, and build, their money up.
Want to win a copy of the book? We’re giving away six to lucky readers! Head to the link below to find out how to enter:
https://www.mouthymoney.co.uk/competitions/win-a-copy-of-10-things-i-love-about-money-by-mat-megens/
SHOW NOTES
10 things I love about money by Mat Megens
https://www.amazon.co.uk/Things-Love-About-Money-Happiness/dp/1394299753
Mouthy Money book giveaway
https://www.mouthymoney.co.uk/competitions/win-a-copy-of-10-things-i-love-about-money-by-mat-megens/
HyperJar
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!
Discover more at www.mouthymoney.co.uk and subscribe to our weekly newsletter too
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart
Is it time to put Bitcoin in your ISA?
Bitcoin is clearly not going away. With massive financial institutions now holder of the digital token, the price has soared in recent years
Now, bitcoin could soon be available in your ISA – making it a tax-free investment for the first time in the UK
Daniel Parkinson ‘the Bitcoin IFA’ helps us dig deeper into the history of bitcoin, why it is a compelling asset class and how people can hold it safely in 2025
Please note: this episode was recorded before the FCA announced the opening on retail investment access to bitcoin ETNs in the UK. More on that here: https://www.fca.org.uk/news/press-releases/fca-opens-retail-access-crypto-etns
#bitcoin #fiatcurrency #ISAs #tax
SHOW NOTES
The Bitcoin IFA
https://www.linkedin.com/in/parkinsondaniel/
What’s the problem? By Joe Bryan
https://www.youtube.com/watch?v=YtFOxNbmD38
The Bitcoin Standard by Saifedean Ammous
https://www.amazon.co.uk/Bitcoin-Standard-Decentralized-Alternative-Central/dp/1119473861
Strike App
CoinCorner
CONNECT WITH US
Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about MONEY!
Discover more at www.mouthymoney.co.uk and subscribe to our weekly newsletter too
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at editors@mouthymoney.co.uk
DISCLAIMER
This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit www.fca.org.uk/investsmart