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PODCAST

The Money To The Masses Podcast

Join Damien and Andy as they break down personal finance topics including investing, saving, budgeting and more, giving you the tools and knowledge to achieve your financial goals Each week, they cover three topics, cutting through unnecessary financial jargon, providing practical tips and actionable advice to help you make the most of your money. To provide feedback or ideas for future shows, contact: damien@moneytothemasses.com or visit https://moneytothemasses.com

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All Episodes

00:14:44

Money Vault - How to get rich

The Money To The Masses Podcast ·

2026/07/29

Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien takes a look back at episode 319 from May 2021, exploring the fundamental principles of building wealth. He discusses the lessons we can learn from George S. Clason's classic 1926 book, The Richest Man in Babylon. He explains how the century-old parables translate to modern financial strategies, outlining

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00:41:08

Ep 556 - The dangers of irregular investing &...

The Money To The Masses Podcast ·

2026/07/26

In this week's episode, I analyse some recent research from JP Morgan Personal Investing and explain how inconsistent contributions can hurt your overall portfolio performance.Next, Andy and I chat with Jordon Cox, known to many as 'Britain's Coupon King', who shares some practical money-saving hacks and tips.[AD] Thank you to our sponsor Interactive InvestorNew customers can receive £100 in free trades when they open an Interactive Investor Trading Account before 31st July 2026

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00:22:27

Money Vault - Best investing quotes from famous...

The Money To The Masses Podcast ·

2026/07/22

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 of The Money Vault, Damien and Andy take a look back at the most valuable investing quotes of all time. They explore the timeless wisdom of renowned investors, including George Soros, John Templeton, John Bogle, and Warren Buffett, explaining how their wise words could help you on your own investment journey.Check out this week's

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00:32:37

Ep 555 - Building an ISA bridge for retirement & New...

The Money To The Masses Podcast ·

2026/07/19

In this week's episode, Damien explains the concept of an ISA bridge and how it can help you manage the financial gap between your ideal retirement date, the age you can access your private pension and your state pension age. Next, Damien explains how the new FCA regulations for Buy Now Pay Later (BNPL) services are likely to impact consumers, including new mandatory affordability checks and additional Section 75 protection.Thank you to our sponsor, Interactive InvestorNew customers can receive

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00:19:19

Money Vault - Private Healthcare - More affordable...

The Money To The Masses Podcast ·

2026/07/15

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 of The Money Vault, we discuss the reality of NHS waiting times and the increasing number of people turning to private healthcare for diagnosis and treatment. We explore the main routes to accessing private medical care and the typical costs of common private procedures and scans.We also outline the different types of health insurance policies

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00:30:46

Ep 554 - How to start investing & why now is the...

The Money To The Masses Podcast ·

2026/07/12

In this week's episode, Andy discusses the findings of Vanguard's recent British Money Mindset report, highlighting a recent shift in the UK from saving to investing, largely driven by younger investors. He explains how new 'Targeted Support' tools from the likes of Quilter and Vanguard can give would-be investors the confidence to invest for the first time. Damien then takes a look back at his simple 'back to basics' guide on how to start investing for the first time.Thank

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00:17:52

Money Vault - The ultimate travel insurance checklist

The Money To The Masses Podcast ·

2026/07/08

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 provides a comprehensive guide on travel insurance. With summer holidays approaching, he outlines exactly what to look for in a policy, including the essential features, optimal coverage amounts, and the most common myths that leave holidaymakers financially exposed. He then provides tailored suggestions for different types of travellers, from

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00:33:27

Ep 553 - 10 commandments of money & Practical tips...

The Money To The Masses Podcast ·

2026/07/05

In this week’s episode, Damien shares some of the essential rules and concepts he has used in order to build lasting financial habits. These include practical ways to manage your budget, the importance of paying yourself first and avoiding lifestyle creep to help provide a comfortable financial future.Next, Andy looks at recent research on the interest applied to monthly car insurance premiums and shares straightforward, practical tips for spreading the cost without paying exorbitant fees.Thank you

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00:15:20

Money Vault - What are Money Market Funds?

The Money To The Masses Podcast ·

2026/07/01

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 discusses the confirmed changes to Stocks and Shares ISAs scheduled for April 2027. With the cash ISA allowance dropping to £12,000 for those under 65, the government is introducing a 22% tax charge on interest earned from uninvested cash held within Stocks and Shares ISAs. Damien explains how money market funds work and how they could provide a

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00:38:28

Ep 552 - How to invest at different life stages

The Money To The Masses Podcast ·

2026/06/28

In this special investing episode, Kyle Caldwell (Funds and Investment Education Editor at ii) and Damien discuss the complete investing lifecycle - from Junior ISA portfolios and investing in your 40s and 50s, right up to building a sustainable income for your retirement. Whether you are just starting out or preparing to draw a pension, this episode is packed with actionable insights to help you maximise your wealth.Check out this week's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast

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00:27:00

Money Vault - How to build good money habits

The Money To The Masses Podcast ·

2026/06/24

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 revisits a classic episode on how to build good money habits. He reveals the simple daily routines that have helped him take control of his finances, including automating his savings, setting a monthly spending plan, and adopting tactics such as "zero spend" daysCheck out this week's

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00:23:44

Ep 551 - How much to save for a comfortable...

The Money To The Masses Podcast ·

2026/06/21

In this week’s episode, Damien discusses the latest figures from the Pensions and Lifetime Savings Association (PLSA). He breaks down the exact amount you need in your pension pot to achieve your desired retirement lifestyle and reveals the monthly contributions required to get there, regardless of your current age.Next, he explains split mortgages, highlighting the potential benefits and drawbacks and why it is vital to seek independent advice before making a decision.Check out this week's

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00:16:44

Money Vault - Fund switch checklist

The Money To The Masses Podcast ·

2026/06/17

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 shares the last-minute checks you should make before switching your investment funds. Switching funds can seem straightforward, but hidden charges, differing share classes, and specific platform rules can easily catch you off guard.Check out this week's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast

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00:18:39

Money Vault - Investor biases to avoid

The Money To The Masses Podcast ·

2026/06/10

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 revisits a classic episode from February 2025 on investor behavioural biases. He explores how human nature often leads to irrational financial decisions and examine seven common psychological traps, including loss aversion, confirmation bias, and the emerging fear of being wrong. He also provides practical strategies to mitigate their

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00:27:53

Ep 550 - Get 4% cashback on your current account &...

The Money To The Masses Podcast ·

2026/06/07

In this week's episode, Damien takes a look at the latest banking offers, revealing the ways you can get paid for carrying out your everyday banking. He explores the best current accounts for cashback with rates boosted up to 4%. He also looks at the best bank account switching deals before rounding up the best cashback credit cards on the market. Finally, he provides a summary of the best investing apps available in the UK, breaking them down by investor type. He outlines the key features,

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00:18:13

Money Vault - Alternative to the 4% rule

The Money To The Masses Podcast ·

2026/06/03

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

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00:25:58

Ep 549 - The money insights you missed

The Money To The Masses Podcast ·

2026/05/31

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

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00:50:36

Money Vault - The difference between the Poor and the...

The Money To The Masses Podcast ·

2026/05/27

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

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00:22:15

Ep 548 - Optimal pension portfolios & latest property...

The Money To The Masses Podcast ·

2026/05/24

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

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00:17:58

Money Vault - Stocks ignore bond market warning

The Money To The Masses Podcast ·

2026/05/20

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

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