This week, Damien discusses some recent research into the best investment strategy to navigate a potential AI stock market bubble. Damien also explores the 'calendar effect' to find out when is the most profitable time of year to start investing your money.
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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This week, Damien and Andy explain why now might be a good time to fix your energy tariff. Even those already on a fixed-rate tariff may now be able to get a better deal without paying an exit fee. They then explain how over 900,000 pensioners could boost their retirement income by claiming an overlooked benefit.
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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This week, Damien and Andy dig into the Budget to uncover the hidden changes the mainstream media missed. They also explain how the biggest announcements, including the new mansion tax and the new electric vehicle tax, will work in practice, before revealing the biggest winners and losers.
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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In this week’s episode, Damien shares a list of small financial habits that have quietly saved (or made) thousands of pounds over the years.
Damien covers everything from smart shopping strategies and energy-saving hacks to optimising your bills and banking. Plus, Andy shares a listener success story about how a Share Save scheme turned a £3,600 investment into nearly £15,000.
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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In this week's podcast Damien takes a look at stock market 'value' around the globe before revealing which sectors within the US stock market are expensive and which are cheap.
Andy and Damien then explain how a major overhaul of a leading credit reference agency’s scoring system will result in 44% of people experiencing a drop in their credit rating.
Finally, Damien discusses new research that highlights how using Buy Now Pay Later services could harm your chances of getting a mortgage.
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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In this week's show Damien discusses the upcoming Autumn Budget, providing a summary of the latest rumours and predictions, explaining how likely they are and how they could impact your finances.
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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In this week's episode, Damien discusses the slowing of gilt sales by the Bank of England (quantitative tightening). He explains why it is happening and how it impacts everything from future mortgage rates and pension funds to government borrowing ahead of the Autumn Budget.
Next, he looks at rising annuity rates (one of the major benefits of rising gilt yields) and reveals how much income you can secure from a £100,000 pension pot. He also explains how half of retirees could potentially secure an even higher level of income based upon their health.
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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In this week's episode, Damien discusses a significant rule change that provides UK investors with a new, regulated way to access crypto assets. He explains how crypto ETNs work, the potential tax advantages and the risks you need to be aware of before investing.
He also explores a thought-provoking idea: could simply changing the names of everyday financial products or concepts, such as credit cards or the state pension, improve people's understanding and therefore their finances?
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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On this week's show Damien explains how the new car mis-selling compensation scheme, announced by the FCA this week, will work. He explains who will be eligible for compensation, the average potential payout and what you now need to do.
Finally, he discusses the soaring price of gold and explains the pros and cons of investing in gold mining stocks.
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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In this week's episode, Damien explains how leaving a gift to charity in your will can significantly reduce your inheritance tax (IHT) bill. He breaks down the rules and explores the most effective ways to structure your donation.
Next, he reveals a little-known legal trap that affects anyone who gets married and could result in your estate being distributed according to the rules of intestacy.
With October being 'Free Wills Month', it's a good opportunity to consider your estate planning. Eligibility is for those aged 55 and over. For those who don't qualify, Money to the Masses has an offer where you can save 20% when you complete your will with Farewill*. Farewill is rated 4.9 out of 5.0 on independent customer review site Trustpilot (from over 18,000 reviews).
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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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
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In this week's podcast, Damien celebrates a major milestone as his publicly-run £50,000 portfolio approaches £100,000 after just 10 years.
He shares some practical insights on portfolio construction, how he manages psychological biases, and explains why a disciplined, long-term process is the key to successfully growing your wealth.
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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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
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In this week’s episode, Andy reveals the best bank accounts for earning cashback, gives an overview of the top cashback credit cards, and highlights the best apps to boost your everyday spending.
Next, Damien discusses the hidden dangers of financial freedom, including how to recognise when money turns from a tool into a source of anxiety. Finally, Damien shares some practical tips to help you use money to build genuine freedom - not another prison.
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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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
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If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's podcast, Damien takes a look at Long-Term Asset Funds (LTAFs). With the news that Hargreaves Lansdown will allow retail investors to access these types of funds from next week, he explains how they work and why investors should remain cautious. Next, he provides an overview of trusts, explaining how they can be used effectively before highlighting the potential pitfalls.
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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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's podcast, Damien provides a comprehensive investment market update, explaining the key factors that are driving markets as we head into Autumn.
Looking ahead, he explains what investors should be keeping an eye on, including upcoming central bank decisions, potential volatility in the bond market and why the "bad news is good news" mentality is currently driving investor behaviour.
Finally, Damien provides an update on his own £50k portfolio, including where he is invested in order to navigate the current market conditions.
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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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
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Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's podcast Damien explains how the rise of short-term 'bonus' rates are creating a price war amongst providers. He reveals how these types of rates can leave you worse off as a saver before explaining how you can calculate the effective annual rate to see what you’re really earning. Next, Damien looks at whether the classic 4% retirement rule is still fit for purpose. With potential inheritance tax changes on the horizon, new research suggests a much higher withdrawal rate for those who want to spend their pension pot in their lifetime.
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
(00:00) - MTTM Podcast Episode 517
(04:10) - Understanding Regular Savings Accounts
(06:24) - The Impact of Bonus Rates on Savings
(07:36) - Calculating Effective Interest Rates
(08:39) - Challenges with Short-Term Bonus Rates
(10:54) - Access Restrictions in Savings Accounts
(13:49) - The Impact of Low Rates on Savings
(14:30) - Understanding the 4% Rule and Its Origins
(16:32) - Potential Changes in Pension Taxation and Their Implications
(17:59) - The Spend It All Approach to Pension Withdrawals
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
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We’ve talked before about the incredible power of long-term investing and compounding, particularly when growing wealth for children. I personally use the millionaire strategy, which aims to make my children millionaires when they are older.
The strategy is built upon several key principles discussed in our How to Become a Millionaire podcast episode. We’re excited to announce that we have partnered with Wealthify to create a seamless way for you to implement this strategy.
The new tool allows you to see just how much a regular investment in a Junior ISA could be worth by the time your child turns 18.
On this week's podcast we chat with Simon Holland, Chief Operating Officer of Wealthify where we discuss how Wealthify helped Money to the Masses provide readers with a seamless journey to setting up a Junior ISA and implementing annual contribution increases quickly and efficiently.
Check it out for yourself: How to help your child become a Millionaire
Pay no management fees for the first 12 months if you open or transfer a Junior ISA to Wealthify via the new Junior ISA tool. This offer cannot be used in conjunction with any other offer and is for new customers only. Terms and conditions apply
With Investing, your capital is at risk. The tax treatment of your investment will depend on your individual circumstances and may change in the future. Wealthify Limited is authorised and regulated by the Financial Conduct Authority (FCA No. 662530). Leadenhall Learning Limited (trading as Money to the Masses) is an appointed representative of Wealthify Limited which is authorised and regulated by the Financial Conduct Authority. Money to the Masses acts as an appointed representative for the purpose of promoting Wealthify products and introducing customers to Wealthify.
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
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Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's podcast Damien explains the latest development in the car finance mis-selling scandal and what action you need to take. He also discusses the latest Bank of England base rate cut. While it was widely anticipated, he explains why the market was caught off guard by what was contained in the accompanying meeting minutes.
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
(00:00) - MTTM Episode 515
(04:07) - Car Finance Mis-selling Scandal Overview
(07:06) - Supreme Court Ruling and Its Implications
(09:31) - Action you can take to check if you had a DCA
(12:30) - Bank of England Rate Decision and Market Reactions
(15:18) - Impact of Base Rate Cuts on Mortgages
(17:19) - Market Predictions for Base Rate Changes
(19:03) - Understanding the Monetary Policy Committee's Decisions
(22:06) - Inflation Trends and Their Effects on Interest Rates
(24:37) - Personal Mortgage Decisions and Market Reactions
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's podcast Damien provides a complete buy-to-let guide, including the latest tax rules and recent legislative changes. Next, Andy reveals some of the little-known state benefits you might be entitled to. Finally, Damien answers some of the most popular questions you've been asking DaMoney, the new AI guidance tool from Money to the Masses.
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
(00:00) - Money to the Masses Podcast Episode 514
(03:11) - Complete Buy-to-Let Guide
(08:30) - How to Manage a Buy-to-Let
(10:58) - Buy-to-Let Mortgage Rates
(11:46) - Average UK Buy-to-Let Rental Yields
(13:33) - How does Tax on Buy-To-Let work?
(15:33) - Buy-to-Let Rules and Regulations
(19:02) - Little-known benefits you may qualify for
(25:52) - Most popular 'DaMoney' questions
(27:12) - How to check if you are on the right tax code?
(28:20) - What are the latest ISA transfer offers at the moment?
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode, Damien discusses the sustainability of the UK state pension, explaining why younger generations are likely to experience significant increases in state pension age.
Damien and Andy then discuss the likely 30% increase in water bills over the next five years due to necessary infrastructure upgrades and what you can do to combat the rise.
Finally, having answered over 3,000 questions in its first week, Damien reveals the most popular topics being answered by DaMoney, our purpose-built AI guidance engine.
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
(00:00) - Money to the Masses Podcast Episode 513
(02:58) - Overview of the UK state pension system, eligibility, sustainability concerns, the triple lock, and future projections
(10:54) - Planning for retirement, checking your state pension age, and filling National Insurance gaps
(12:38) - Retirement planning tips
(15:51) - Water Bills: Why Are They Rising and What Can You Do?
(19:38) - Reducing water usage, seeking support if struggling to pay
(24:01) - DaMoney (our AI guidance tool) Overview of the most popular topics and questions asked by users
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode Damien unveils his purpose-built AI guidance engine "DaMoney". Powered by 15 years of Money to the Masses guidance, DaMoney uses the vast library of unbiased knowledge built by Money to the Masses since 2010 including thousands of fact checked articles and hundreds of podcast and YouTube videos.
The tool is the first of its kind in the UK and is designed to provide immediate, easy-to-understand answers to your money questions, whenever you need them and without the confusing jargon. It combines AI technology with ongoing reviews of answers by financial experts at Money to the Masses to ensure DaMoney’s answers stay accurate, up-to-date, and genuinely helpful as markets and situations change.
You can visit Damoney.ai now to try it out for yourself. You will also find it powering the newly launched AI chat on the Money to the Masses homepage and articles.
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
(00:00) - Introduction to the 'Damoney' a new AI Guidance Engine from Money to the Masses
(01:51) - How DaMoney Works and Its Unique Features
(04:21) - Expert Review and Quality Assurance
(05:07) - User Interaction and Real-World Applications
(05:07) - Addressing Common Financial Questions
(09:20) - Example Question 1- Understanding the Marriage Tax Allowance
(11:05) - Example Question 2 - Navigating Child Benefit and High Income Charges
(12:09) - Example Question 3 - Life Insurance with Pre-existing Conditions
(14:08) - Example Question 4 - Planning for Retirement at Age 60
(15:03) - Example Question 5 - Exploring Property Ownership in London
(17:09) - Example Question 6 - The Best Stocks & Shares ISAs in 2025
(18:21) - Example Question 7 - The Best Pet Insurance for an older cat
(20:18) - Example Question 8 - Can using Buy Now Pay Later (BNPL) impact a mortgage decision
(22:17) - Example Question 9 - Maximising Savings with Easy Access Accounts
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