In this special year-end episode, Scott and Phil take a deep dive into 2024’s biggest lessons, trends, and surprises. From Christmas spending patterns and how they reflect broader economic behaviors to property market dynamics and the challenges of supply vs. demand, this episode delivers a comprehensive review of the year.

We also discuss the rise of AI and its parallels to the early internet boom, explore the energy landscape and the shift toward renewables, and reflect on what these trends mean for you as an investor.

Key topics include:

• The power of budgeting and cash flow planning: How disciplined financial habits unlock early retirement and financial freedom.
• December market trends: Why year-end portfolio performance often defies expectations.
• Property market realities: Inflation, supply challenges, and what could change in 2025.
• Cybersecurity lessons: Protecting your data in a world of increasing breaches.
• Christmas budgeting tips: Avoiding overspending during the festive season.

💡 Plus, an exciting announcement about WealthLab’s new team member joining us in 2025 to enhance the services we provide to you.

Whether you’re reflecting on your own financial journey or gearing up for a strong start in 2025, this episode is packed with actionable insights and inspiration.