Afleveringen
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Small company business owners often believe that their business is their pension and that pensions are inefficient and subject to too much change to even start with in the first place.
Benjamin climbs on his soapbox in this episode to encourage you to re-evaluate this false economy.
And:
Your personalised business owner blueprint
Here's a link to the tool Benjamin mentioned in the episode. Takes 5 mins, receive custom results straight away and it's completely free.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
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Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
In this episode of Headsup on Money, Benjamin explains the pros and cons of investment bonds. They can appear very confusing, and you are probably unsure whether or not your financial plan needs one. But by the end of this episode, you'll have mastered the pros, the cons and be more confident about whether they could help you save tax.
Jargon-free as always.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
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Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
Zijn er afleveringen die ontbreken?
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So many of us have heard of life insurance as a way to protect our family and our financial plans, but too few of us have heard of another product that, instead of providing a lump sum, can provide us with a regular monthly income in the event that we're no longer here.
The benefits of these plans can provide you, and your loved ones, with significant peace of mind, often at minimal ongoing cost.
Knowledge is power, money, nerds.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
In April 2027, the amount you can subscribe to Cash ISAs is likely to change.
In this episode, Benjamin summarises the key points you need to be aware of and ultimately why these changes are unlikely to have any material impact on your long-term financial plan.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
In this episode, Benjamin outlines why record-keeping when it comes to your inheritance tax planning, is as important as the planning itself.
Yet, so few of us are keeping necessary detailed records, accounting for the information that your executors will need on your passing.
Nailing this stuff down now will give you the peace of mind to know your IHT planning is effective and will provide your loved ones and executors with a huge freebie in the future.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
In this episode Benjamin is joined by guest host Fabrizio Zumbo, MBA who joins us from Vanguard.
Fabrizio is an expert in behavioural biases and investment management and shares the main behavioural mistakes that nearly all investors make.
He explains why many investors don't receive the returns they are entitled to and your behaviour is to blame.
Resources mentioned in the episode:
SPIVA - Here are the market insights that Fabrizio mentioned in the podcast, which demonstrate that active management and trying to outperform the markets rarely works out in practise.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
Benjamin shares the wisdom from Morgan Housel's new book, "The Art of Spending Money".
There are eight laws to live by when it comes to looking after your wealth and yourself.
See how many resonate with you; how many you are living by and how many you are you failing to practise?
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
In this, the follow-up episode to last week's episode on Wills, Benjamin reinforces the importance of having a Power of Attorney (POA) and why this matters for your financial plan.
Nailing this stuff down now will offer spades of peace of mind.
Yes, it's not fun to think about.
But nailing this stuff down now will free you to enjoy the really important stuff.
The costs of not having these documents in place are simply too great to ignore.
Good luck, money nerds.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
In this episode, Benjamin shares the importance of having a Will when it comes to your financial plan.
You've spent years carefully building your wealth and creating a solid financial plan, but without a Will, it can all be undone extremely quickly on your passing. Wills can help avoid costly tax mistakes and legal costs in the future.
In next week's episode, Benjamin will cover off the importance of a Power of Attorney (POA) arrangements.
Nail these things down, money nerds, and then focus on what really matters in life.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
Benjamin explains the key differences between defined contribution and defined benefit pension schemes and how they use up the annual allowance.
By the end of this episode, you'll understand the intricacies of each scheme and be able to estimate how much of your annual allowance you are using and help to avoid nasty tax charges that many people are sleepwalking into.
Knowledge is power, money nerds. This stuff is a tad complex, but once you've mastered it, it really is nailed down.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
In this episode Benjamin covers everything you need to know and do when it comes to saving and investing for your child or grandchild. There can be a lot of contradictory noise out there, but in this episode you'll understand that whilst the rules of the game differ slightly for minors, the important aspects of sound financial planning still apply.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
Turning 75 plays a significant role in your financial plan, and more specifically the tax efficiency (or tax inefficiency) of your affairs.
Whether this applies to you or someone close to you, following this episode you'll understand and appreciate the nuances of why turning 75 matters and impacts:
Pension tax relief on your contributions,Death income tax benefits pre and post age 75 and, Considerations around Inheritance Tax planning, and how the changes due to come into effect in April 2027 muddy the waters somewhat.It's a complex one money nerds, but arming yourself with this knowledge could save you, or a loved one, £000's in unnecessary and often avoidable taxes.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
When seeking financial advice, it can appear very overwhelming to understand the various qualifications that financial advisers have.
How do they compare?
What's 'good' and what's 'bad?'
In this episode Benjamin tries to debunk some of the stress and confusion so that you can go into this with your eyes and ears open.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
In this episode Benjamin explains why these funds, despite often sounding very sophisticated and bespoke, are in fact a dead-end to financial independence.
Knowledge is power, money nerds.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
With the end of the 2025/26 tax year now only a few weeks away, now is the time to make use of your freebies and allowances and focus on paying as little tax as possible.
Knowledge is power money nerds and by strategically timing income, making thoughtful and considered gifts, and viewing your financial picture in its entirety, the tax savings can be huge.
As with many things in financial planning, it's a case of use it or lose it and/or do it before it's too late.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
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Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
It was in the news last month.
Women Against State Pension Inequality.
Women who argue they were not fairly notified about a rise in the State Pension age will not be paid compensation.
But what can we learn from this when it comes to our own financial plans and our own retirement planning?
Nobody else has your back, and so the onus to create a dignified and comfortable retirement is very much on you.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
Income protection insurance is often thought of as too expensive and surplus to requirements, but this couldn't be further from the truth.
It's not as complicated as it may seem and is absolutely vital for most people's financial plans. Without it, your financial plan carries an insurmountable amount of added risk, far greater than any stock market risk you're worried about.
Don't be financially ignorant to the valuable role this planning can play.
In 25 minutes Benjamin will help you to understand the fundamentals, sans jargon as always.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
Benjamin reflects this week on the subject of when wealth stops being just about you. In early life we focus on saving, investing and insuring primarily for our own benefit.
But there comes a time in most people's lives when they have enough and the focus suddenly shifts to the needs of others.
Embracing this change of planning need can help you to remain engaged and invested in your financial plan.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
The word 'Trust' brings many things to mind, and often the truth of what a Trust is, and what they can be used for, is lost in translation.
In this episode Benjamin explains the role of Trusts in financial planning so that you can understand some of the scenarios in which they may/may not be required.
Jargon free and straight to the point as always.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. -
Benjamin takes a step back from the heavy finances this week and focuses instead on the heavier questions that we all need to ask ourselves from time to time.
We're all aware of the finitude of time, but continue to 'plod on' with our financial plans, often with no clear end in sight. It's time to ask yourself these questions and re-focus on what really matters. Your finances should then be used to fit into that, not the other way around.
Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake.
Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
Take my 5 minute retirement assessment (can you already afford to retire?) 🚀
Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation. - Laat meer zien
