Making Money

In this engaging discussion, financial planner George Agan from Flying Colours Advice shares his expertise on retirement planning. He highlights critical risks that often go unnoticed, such as market crashes and inflation impacts. George challenges the much-referenced 4% rule, stressing the need for tailored strategies. He unveils adaptive financial techniques for sustained security, explores unique spending patterns in retirement, and emphasizes the importance of diversifying assets. A must-listen for anyone looking to secure their financial future!

Discover strategies for navigating market crashes and the importance of a long-term perspective on investments. Explore how gold can serve as a hedge against inflation. Learn about the benefits of diversification to protect your portfolio from volatility. The discussion highlights common investor anxieties and provides insights for beginners on starting their investment journey. Don't miss tactics for utilizing idle cash in your business and reassessing your asset allocation for better financial health.

What is going on with the world's economy? It all started way before 2025 says Ha-Joon Chang, one of the world’s leading economists. He joins us to unpack the deeper causes of today’s instability and inequality. With over 2.5 million books sold worldwide — including 23 Things They Don’t Tell You About Capitalism and Edible Economics— Chang argues that the dominant economic theory of the last 40 years, neoliberalism, has failed the many while enriching the few. Get Edible Economics here: https://shorturl.at/kZM7f🤝 Financial guidance for small company owners in the UKhttps://makingmoney.email/company-owner-episodes⛑️ Free guides and financial health checkLearn how to build long-term wealth in the UK: https://linktr.ee/makingmoneypod📈 Investment platforms we use:Trading 212Watch this video where Damo explains how to get the most from it: https://youtu.be/BVVZhrM0LVQGet a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1.Use the code ‘MM’ or this link: https://www.trading212.com/join/MMInvestEngine Get up to a £50 bonus when you invest at least £100.https://investengine.pxf.io/daOD2QVanguardMinimum investment of £500 or £100/month.https://www.vanguardinvestor.co.uk/🎉 SponsorsVanta - Get your company secure and compliant, with $1k off: https://vanta.com/makingmoneyTide - Get up to 4.48% AER (variable) on your business savings. Use this link https://www.tide.co/offers/makingmoney or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply. The more you save, the higher the rate—up to 4.48% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit tide.co/savings for full terms and conditions.–If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Paul Johnson, Director of the Institute for Fiscal Studies and author of 'Follow the Money,' dives into the complexities of UK taxation. He discusses where our taxes truly go and dispels myths about tax burdens. The conversation tackles public spending inefficiencies, especially in the NHS, and explores the ancient and bizarre tax laws that still echo today. Johnson emphasizes the need for tax reform to address modern financial pressures, particularly on families, and argues for a fair taxation system to tackle national challenges like an aging population and climate change.

In this conversation, Martin Holdsworth, a seasoned lawyer with over 20 years in inheritance disputes, shares insights into the chaos that can arise when families neglect proper estate planning. He discusses startling statistics about will ownership and the rising conflicts tied to intergenerational wealth. Martin emphasizes the importance of clear communication around inheritance to prevent emotional turmoil and explores innovative legal tech that simplifies asset distribution. With anecdotes of estranged siblings and the ethical implications of heir hunters, he advocates for proactive planning to preserve family harmony.

Yota Trom, a career coach with an impressive track record, shares insights on how she helped a client skyrocket their salary from £35k to £150k in just 2.5 years. She emphasizes the importance of mastering negotiation skills and self-advocacy in achieving fair pay. Yota also discusses the role of personal branding in career advancement and provides actionable strategies for navigating salary discussions. Listeners can learn about building confidence, researching salary benchmarks, and preparing for impactful conversations with managers.

Tom Nicholas, a popular YouTuber known for his insightful commentary on politics and history, dives into the generational divide. He discusses how baby boomers shaped the current economic landscape, impacting housing, wages, and stability for younger cohorts. The conversation delves into the financial challenges faced today, from rising living costs to diminishing safety nets, while humorously reflecting on evolving views of fame and retirement. With sharp analysis, Tom asks if the system favors one generation over another, exploring the implications for the future.

In this engaging discussion, Diane Coyle, a prominent Economist and Professor at the University of Cambridge, dives into the transformative potential of AI on productivity in the UK. She highlights the need for local talent and regulatory frameworks to harness AI's benefits fully. Coyle also critiques traditional metrics like GDP, advocating for a shift towards more inclusive measures. The conversation touches on AI’s dual nature, its risks and rewards, and the challenges faced by businesses in adapting to this rapidly evolving landscape.

Toby Newbatt, a self-taught personal finance YouTuber, shares invaluable investing wisdom drawn from reading over 40 books. He candidly discusses his early investing blunders and the lessons learned, emphasizing the need for accessible financial education. The conversation dives into the charms and pitfalls of cryptocurrency, the importance of research in making informed decisions, and the ethics of trading platforms. Toby also highlights the benefits of diversification and the necessity of long-term strategies to navigate the unpredictable investment landscape.

How often do you question your money habits or what your saving or investing for? Anne-Laure Le Cunff is a neuroscientist and author of Tiny Experiments and she thinks we need to question whether our financial goals are really what we want. (https://profilebooks.com/work/tiny-experiments/).🤝 Financial guidance for small company owners in the UKhttps://makingmoney.email/company-owner-episodes⛑️ Free guides and financial health checkLearn how to build long-term wealth in the UK: https://linktr.ee/makingmoneypod📈 Investment platforms we use:Trading 212Watch this video where Damo explains how to get the most from it: https://youtu.be/BVVZhrM0LVQGet a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1.Use the code ‘MM’ or this link: https://www.trading212.com/join/MMInvestEngine Get up to a £50 bonus when you invest at least £100.https://investengine.pxf.io/daOD2QVanguardMinimum investment of £500 or £100/month.https://www.vanguardinvestor.co.uk/🎉 SponsorsVanta - Get your company secure and compliant, with $1k off: https://vanta.com/makingmoneyTide - Get up to 4.48% AER (variable) on your business savings. Use this link https://www.tide.co/offers/makingmoney or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply. The more you save, the higher the rate—up to 4.48% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit https://tide.co/savings for full terms and conditions.–If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.