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In this episode, Tommy and Ed unveil a new financial score tool that helps you assess your financial health and set New Year's resolutions. The episode covers various topics, including the importance of saving and controlling spending, paying down bad debts, protecting finances, investing for wealth accumulation, maximizing tax efficiency, and organizing finances. We emphasize the need to take action and overcome financial worries to achieve financial goals. In this conversation, Tommy and Ed discusse the importance of organizing financial records and setting new year's resolutions. He shares his experience with the Help to Buy loan scheme and his goal of paying off debt. Tommy also talks about his resolution to get fit and the challenges he faced due to an injury. He discusses his investment strategy and the possibility of transferring his cash LISA to a stocks and shares LISA.  

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