Afleveringen
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Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
On this week's episode, Damien explores the well-known 4% rule for retirement withdrawals and explains why relying on it during periods of market volatility could put your pension at risk.
He then reveals an alternative approach highlighted by Vanguard known as 'dynamic spending'. By applying a ceiling and a floor to your annual withdrawals, you can preserve capital during downturns while still enjoying a higher income when your investments perform well. He also shares some free tools to help you model your own retirement scenarios and ensure your money lasts.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
Sign up to the weekly newsletterTake out a trial of 80 20 investorVanguard White Paper on Dynamic SpendingfiCalc.app - Retirement withdrawal calculatorMTTM Podcast Episode 210 - Debunking the 4% ruleWatch on YouTube - Alternative to the 4% ruleFollow Money to the Masses on social media:
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In this week’s episode, Damien and Andy are doing something a little different by sharing and expanding on the timely, bite-sized financial updates they regularly post across our social media platforms.
Much of the fast-moving news we cover on our Instagram, TikTok, and YouTube channels, such as the latest government announcements and real-time energy cap updates, do not make it onto the podcast. This episode highlights the valuable, actionable insights you might be missing out on if you don't follow Money to the Masses on our social media channels.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Sign up to our weekly newsletterCheapest fixed price energy deals -
Zijn er afleveringen die ontbreken?
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Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
On this week's episode, Damien highlights the inequality that exists between people on low incomes and those that are wealthy. He explains how the game is rigged in favour of those with high incomes, in terms of access to specialist advice, financial products, and even utilities. He highlights the key points from the popular book "Rich Dad, Poor Dad" and finishes with a thought-provoking analogy of how both low and high earners are treated after they have been paid.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
Sign up to our weekly newsletterMTTM Podcast Episode 355 - The difference between the poor and the richFollow Money to the Masses on social media:
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Tik Tok - https://www.tiktok.com/@moneytothemasses
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In this week's episode, Damien discusses new research on the 4% pension withdrawal rule, exploring sustainable retirement income rates and the optimal asset allocation between equities and bonds.
Andy then examines the latest property market data, highlighting the growing regional divide in UK house prices and what the current market conditions mean for both buyers and sellers. Finally, he looks at the latest rental sector data and what it means for renters and landlords.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Sign up to our weekly newsletterMTTM Podcast Episode 517 - The 4% rule and inheritance tax changesMTTM Podcast Episode 210 - Debunking the 4% ruleMorningstar research table summary on safe withdrawal ratesUK Residential Survey April 2026UK house prices rise 1.2% in MAy but Rightmove warns against overpricingDetails on the new Renters' Rights Act rules -
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
In this episode, Damien revisits a classic from November 2021, where he explains the correlation between bonds and equities. He then brings it back to the present day, explaining the current financial landscape, highlighting a concerning disconnect between soaring stock markets - driven largely by AI enthusiasm - and falling bond markets.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
Sign up to our weekly newsletterMTTM Podcast Episode 346 - The correlation between bonds and equities (Full Episode)Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
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Tik Tok - https://www.tiktok.com/@moneytothemasses
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In this week's episode, Damien discusses the evolving landscape of financial advice, from the introduction of "targeted support" to the rise of simplified advice. Damien also explains the key differences between full and restricted advice and how the new advice categories aim to close the UK's advice gap.
Finally, Andy looks at the energy payment cycle, explaining how to calculate a safe credit buffer, when to reclaim overpaid funds from your supplier as well as your legal rights.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
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Facebook - https://www.facebook.com/moneytothemasses
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Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Sign up to our weekly newsletterTake out a free trial of 80-20 investorGet financial advice from Vouchedfor*MoneyHelper -
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
In this episode, Damien revisits a classic from July 2021, offering a comprehensive, step-by-step guide to achieving financial freedom. He talks about budgeting, debt management, building an emergency fund, and emphasises the importance of a long-term investing strategy.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
Sign up to our weekly newsletterMTTM Podcast Episode 327 - How to achieve financial independence (Full Episode)Best Budgeting Apps Entitledto (Benefits Calculator)Damien's Money MOT ToolStepChange Debt CharityDave Ramsey's 7 Baby StepsFollow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
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Tik Tok - https://www.tiktok.com/@moneytothemasses
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Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
In this episode, Damien revisits a classic episode from March 2025, that offers 26 tips on how you can boost your pension and prepare for retirement. In it, he covers topics such as maximising your pension contributions, reviewing and consolidating your pensions, seeking advice, and the implications of delaying your state pension claim.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
Sign up to our weekly newsletterCheck your state pension forecastDWP callback request formHow to earn National Insurance creditsNI top-up deadline extendedHow to fill gaps in your national insurance recordMoneyhelper pension calculatorWhat is auto-enrolment?Salary sacrifice explainedPension tracing serviceFree pension review with UnbiasedCompare annuitiesThe best pension income in retirementPension carry-forward rulesFollow Money to the Masses on social media:
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In this week's episode, Damien tackles the famous "Sell in May and go away" investment adage. Should you really cash out of the stock market to avoid a summer slump before reinvesting in the autumn? He looks into the latest research to see how this strategy holds up across UK and global markets. Finally, Damien and Andy expose the little-known credit card traps that could end up costing you.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Sign up to our weekly newsletterTake out a free trial of 80-20 investorPensions Schemes ActAre Stock Markets set to crash? -
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
In this episode, Damien revisits a classic conversation about teaching children the fundamentals of building wealth. Prompted by an unexpected question about Bitcoin, he shares a personal story of how he guided his teenage daughter through the realities of money management.
He discusses how to make financial concepts engaging for young people and moving beyond simple savings to explain how investing and compound interest can shape their future.
Resources:
Sign up to the weekly newsletterHow to become a MillionaireMTTM Episode 456 - Listen to the full episode MTTM Savings & Investment CalculatorFollow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
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Tik Tok - https://www.tiktok.com/@moneytothemasses
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In this week's episode, Damien and Andy discuss 9 ways to spring-clean your finances, covering everything from budgeting to taxes. Damien then discusses the UK investment gap and the 15 million Brits who are hoarding £610 billion in cash, and why that is a problem.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Sign up to our weekly newsletterTake out a free trial of 80-20 investorDamien's Money MOTCheck your credit files for free (ClearScore, Experian, Credit Karma)The Debt Snowball Method ExplainedHow to check your tax codePension calculatorEntitled To (Benefit calculator)Best Savings Accounts in the UK (Best Buy Tables)Hargreaves Lansdown Active Savings review -
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
In this episode, Damien and Andy provide tips on how to avoid over-insuring, choosing the right policies and how you can earn up to £100 cashback when buying a new policy.
Resources:
Request a callback (and receive up to £100 cashback when you take out a policy)Support the podcast - You can support the MTTM podcast by using this page when making any financial decisionListen to the full episode - Ep 215Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
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Tik Tok - https://www.tiktok.com/@moneytothemasses
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Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
In this episode, we explore emergency funds and whether having a separate 'rainy day fund' could help you stay on track and avoid getting into debt.
Resources:
Listen to the full episode - Ep 346Follow Money to the Masses on social media:
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In this week's episode, Damien and Andy highlight 15 of the most prevalent scams to watch out for in 2026, including the steps you can take to avoid becoming a victim.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
The Financial Conduct Authority (FCA) Warning ListWhich? Article: The scam crisis on Booking.comSign up to our weekly newsletterTake out a free trial of 80-20 investor -
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
The FIRE movement is a financial strategy focused on aggressive saving and investing, with the ultimate goal of retiring decades earlier than the traditional retirement age.
In this episode, we explore 'Coast Fire', an alternative to the traditional FIRE movement (Financial Independence, Retire Early). 'Coast Fire' is a less aggressive and arguably more flexible alternative that leverages the power of compounding.
Resources:
Money to the Masses Investment CalculatorMoney to the Masses Pension CalculatorFollow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
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Welcome to the first episode of the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
In this episode, we focus on the end of the tax year and highlight the key actions you should consider before the window closes on Easter Sunday.
Check out our full, updated tax-year-end checklist below:
https://moneytothemasses.com/news/end-of-tax-year-checklist
Follow Money to the Masses on social media:
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In this week's episode, Damien discusses the increasing number of ISA millionaires and how you can join them. He then provides an extensive roundup of the best Stock and Shares ISAs out there, whether you want to run your own money or get a professional to manage it for you.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
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Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Best ISA Cashback offers and fee-free dealsCheapest Stocks & Shares ISA 2026Best performing Stocks & Shares ISAsInvestment platforms paying the highest interest rate on cashBest Stocks and Shares ISA YouTube videoSign up to our weekly newsletterTake out a free trial of 80-20 investor -
On this week's show, Damien breaks down the ongoing stock market slump and explore where US and UK markets might be heading next. Then, Andy discusses the removal of the contactless payment cap, the rise of 'Pay by Bank' and the key pitfalls you need to watch out for.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Latest Bank of England base rate predictions (5-Year Forecast)Sign up to our weekly newsletterTake out a free trial of 80-20 investor -
On this week's episode, Damien breaks down why the market is suddenly betting on Bank of England rate hikes instead of cuts, and the immediate impact that is having on fixed-rate mortgages. If your remortgage date is looming and you're worried about rising rates, Damien walks you through exactly what you should do next.
Plus, Andy explains why fixed-energy tariffs are soaring and what to expect from your energy bills in the coming months.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
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Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Best mortgage rates in the UKProduct transfer time window by lenderGet a Free, no-obligation mortgage reviewLatest Bank of England base rate predictions (5-Year Forecast)Best fixed-rate energy tariffsSign up to our weekly newsletterTake out a free trial of 80-20 investor -
In this episode, Damien discusses the recent escalation in the Middle East and its immediate effect on global stock markets, bond markets and the price of gold. He also explains the importance of the US Dollar Index and why it is a key indicator to watch during times of geopolitical uncertainty.
Finally, as ISA season approaches, Damien and Andy look at how you can earn interest on uninvested cash held within an investment platform. They outline the different ways platforms pay interest and the best rates currently available.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Sign up to our weekly newsletterTake out a free trial of 80-20 investorLatest price for UK Natural GasPlatforms paying the best interest on cashBest Cash ISA Rates - Laat meer zien
