Making Money Most People Don't Understand What Money Actually Is
50 snips
Dec 8, 2025 
In this engaging discussion, Andrew Craig, a personal finance author and investment advisor, shares insights from his latest book tailored for younger readers. He highlights the transformative power of compounding and the importance of understanding money. Craig stresses the need for a balanced investment strategy, particularly the 100-minus-your-age rule. He also delves into capitalism's role in problem-solving and critiques the impacts of ETFs on market dynamics. His concrete proposal for revitalizing the UK capital markets could spark significant change.
AI Snips
Chapters
Books
Transcript
Episode notes
The Power Of Compounding
- Compounding is the central engine behind most great financial success stories.
- Andrew Craig shows a £5k example to illustrate how early investing multiplies wealth over decades.
Use 100 Minus Your Age
- Use the 100 minus your age rule as a simple asset-allocation heuristic.
- Allocate that percentage to higher-risk assets and the remainder to defensive assets and rebalance as you age.
Markets As A Technology For Progress
- Capital markets are technologies that let people share risk and fund large-scale innovation.
- Andrew Craig argues modern prosperity — smartphones, planes, skyscrapers — depends on those markets.
