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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

00:22:15

Ep 517 - Savings rate traps & Why you might need to...

The Money To The Masses Podcast ·

2025/08/24

On this week's podcast Damien explains how the rise of short-term 'bonus' rates are creating a price war amongst providers. He reveals how these types of rates can leave you worse off as a saver before explaining how you can calculate the effective annual rate to see what you’re really earning. Next, Damien looks at whether the classic 4% retirement rule is still fit for purpose. With potential inheritance tax changes on the horizon, new research suggests a much higher withdrawal rate

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00:20:57

Ep 516 - A simple strategy to help your child become...

The Money To The Masses Podcast ·

2025/08/17

We’ve talked before about the incredible power of long-term investing and compounding, particularly when growing wealth for children. I personally use the millionaire strategy, which aims to make my children millionaires when they are older. The strategy is built upon several key principles discussed in our How to Become a Millionaire podcast episode. We’re excited to announce that we have partnered with Wealthify to create a seamless way for you to implement this strategy. The new tool allows you

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00:32:25

Ep 515 - Important car finance mis-selling update &...

The Money To The Masses Podcast ·

2025/08/10

On this week's podcast Damien explains the latest development in the car finance mis-selling scandal and what action you need to take. He also discusses the latest Bank of England base rate cut. While it was widely anticipated, he explains why the market was caught off guard by what was contained in the accompanying meeting minutes.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(00:00) - MTTM

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00:30:35

Ep 514 - Complete Buy-to-Let Guide, Little-known...

The Money To The Masses Podcast ·

2025/08/03

In this week's podcast Damien provides a complete buy-to-let guide, including the latest tax rules and recent legislative changes. Next, Andy reveals some of the little-known state benefits you might be entitled to. Finally, Damien answers some of the most popular questions you've been asking DaMoney, the new AI guidance tool from Money to the Masses.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

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00:33:38

Ep 513 - State Pension Warning, 30% Water Bill Rise &...

The Money To The Masses Podcast ·

2025/07/27

In this week's episode, Damien discusses the sustainability of the UK state pension, explaining why younger generations are likely to experience significant increases in state pension age. Damien and Andy then discuss the likely 30% increase in water bills over the next five years due to necessary infrastructure upgrades and what you can do to combat the rise. Finally, having answered over 3,000 questions in its first week, Damien reveals the most popular topics being answered by DaMoney, our

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00:27:27

Ep 512 - Showing you Damoney - introducing our new AI...

The Money To The Masses Podcast ·

2025/07/13

In this week's episode Damien unveils his purpose-built AI guidance engine "DaMoney". Powered by 15 years of Money to the Masses guidance, DaMoney uses the vast library of unbiased knowledge built by Money to the Masses since 2010 including thousands of fact checked articles and hundreds of podcast and YouTube videos. The tool is the first of its kind in the UK and is designed to provide immediate, easy-to-understand answers to your money questions, whenever you need them and without the confusing

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00:40:30

Ep 511 - Buy or Rent (Which is best?), Make money...

The Money To The Masses Podcast ·

2025/07/06

In this week's podcast, Damien reveals whether Renting or Buying a property is best using his own purpose-built calculator. Next, he discusses two ways you can make money from your credit card. Finally, Andy reveals the details of a widespread holiday scam, explaining how 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(00:00) - Money to the Masses Podcast Episode

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00:33:13

Ep 510 - Why your first £100k is the most important,...

The Money To The Masses Podcast ·

2025/06/29

This week Damien explains why saving your first £100,000 is the crucial milestone if you want to be wealthy. He then looks at Premium Bonds, revealing the possible returns you can expect if you have the maximum £50,000 holding. He also explains how to improve your chances of winning a £1 million prize. Finally, Andy discusses the proposed changes to how council tax payments are collected.Check out this week's ⁠⁠⁠⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠⁠⁠⁠ on the Money to the Masses website to see the full list of

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00:28:59

Ep 509 - Pension IHT changes, How much do you need to...

The Money To The Masses Podcast ·

2025/06/22

In this week's show Damien explores the proposed changes to Inheritance Tax (IHT) on defined contribution pensions, set to begin in April 2027. He also discusses strategies that could be used to mitigate the potential impact. Next, he takes a look at how much money you'll need in retirement in order to achieve a minimum, moderate and comfortable lifestyle. Finally, Andy explains how you can use a 'Notice of Correction' to improve your chances of securing credit if you have any

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00:30:42

Ep 508 - UK Wealth Uncovered (Where do you rank?) &...

The Money To The Masses Podcast ·

2025/06/15

In this week's podcast, Damien examines the latest wealth data, which reveals the average wealth of UK households by age and region, looking at everything from property and pensions to savings and investments. Damien also covers the significant update to the Winter Fuel Payment for the upcoming winter, explaining the new rules, who will be eligible, and how a new income threshold will affect higher-earning pensioners.Check out this week's ⁠⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠⁠ on the Money to the

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00:31:48

Ep 507 - UK Property Special: Latest on Mortgage...

The Money To The Masses Podcast ·

2025/06/08

In this week's podcast, Damien provides a comprehensive update on the UK property and mortgage market. He reveals the latest Bank of England interest rate predictions, provides a snapshot of the best mortgage deals currently available and how you can lock in a mortgage rate in advance of your existing one ending. He also discusses the re-emergence of 100% (zero-deposit) mortgages, detailing the newly launched products and eligibility requirements. Next, he provides an update on changes to

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00:32:06

Ep 506 - Ethical & sustainable investing explained,...

The Money To The Masses Podcast ·

2025/06/01

In this week's episode, Damien takes a look at ethical and sustainable investing, explaining the FCA's new fund labelling rules (SDR) and shares some of the best free tools that can help you find investments that match your values.Next, Andy explains how some energy customers who had prepayment meters wrongly installed could receive up to £1,000 compensation. Then, with the energy price cap due to fall, Damien looks at the latest fixed-price energy deals and how much you can save.Finally,

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00:31:00

Ep 505 - Pension transfer tips, 10 common credit...

The Money To The Masses Podcast ·

2025/05/25

In this week's episode, Damien takes an in-depth look at pension transfers. He provides a list of pros and cons, shares the latest research on how long pension transfers take with different providers and finishes up with a guide on how the pension transfer process works. Next, he debunks 10 common credit myths, addressing misconceptions about credit scores, debt management and the impact of making various financial decision. Finally, Andy highlights the alarming rise of SIM swap fraud, explaining

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00:31:20

Ep 504 - Holiday Scams, Tax Code Checks & Direct...

The Money To The Masses Podcast ·

2025/05/18

On this week's show, Andy highlights seven of the most prevalent holiday scams to watch out for as summer approaches. Next, Damien takes a look at UK tax codes, explaining how they work, what the letters and numbers mean (eg. 1257L), why they can often be incorrect and the steps you can take if you think your code is wrong. Finally, Damien shares a critical warning for those who diligently pay off their credit card in full each month after he discovered a little-known issue that could

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00:32:18

Ep 503 - Cut prescription costs, my 10 year portfolio...

The Money To The Masses Podcast ·

2025/05/11

On this week's show Damien explains how to cut the cost of prescriptions, particularly for those requiring multiple items or those receiving HRT. Damien then shares some key lessons from successfully managing his £50k investment portfolio over the last 10 years. Finally, Andy explains how the energy payment cycle works and why late spring/early summer is an opportune time to check your energy account for potential credit and request a refund from your supplierCheck out this week's podcast article on

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00:32:03

Ep 502 - Changes to Help to Save, the latest on Gold...

The Money To The Masses Podcast ·

2025/04/27

On this week's show Andy explains how the Help to Save scheme works including how you can get a free £1,200 Government bonus. He also discusses the recent changes to eligibility rules that have resulted in over half a million more people now being able to benefit from the scheme. Damien then takes a look at the soaring price of gold, discussing the reasons behind its recent rally to all-time highs and the potential outlook. Even if you're not an investor, listen closely as it can have important

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00:41:38

Ep 501 - Trade war special

The Money To The Masses Podcast ·

2025/04/13

In this week's podcast, Damien breaks it all down. We explain recent developments (which are changing by the hour), discuss the immediate impact on investments, look at what could unfold in the coming weeks and explain how this might impact your finances.Watch the whole show on YouTube ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠:Check out this week's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast article ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠on the MTTM website to see the full list of resources from this week's show.00:00 - Trade War special03:20 -

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00:46:34

Ep 500 - Celebrating our 500th podcast episode

The Money To The Masses Podcast ·

2025/04/06

This week, Damien and Andy recorded their 500th podcast in Spiritland studios in Kings Cross. In this celebration episode they take a look back at the history of the Money to the Masses podcast and how it has evolved from those early days of recording at Andy's house, late at night trying not to wake his children. They share some happy memories and funny stories before moving onto how they see the podcast evolving in the coming years. *Message from Damien:*We hope you enjoy this slightly different

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00:20:49

Ep 499 - Best Stocks & Shares ISAs in 2025, EV tax...

The Money To The Masses Podcast ·

2025/03/30

On this week's show I reveal the best stocks & shares ISAs in 2025, providing a comprehensive review of the leading investment platforms and trading apps in the UK. I analyse the cheapest managed and self-invested ISAs and provide details on how to get the best cashback and fee-free deals when signing up. I also look at recent performance and how the various platforms compare before revealing which platforms pay the most interest on uninvested cash. Next, I provide a quick tip for electric

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00:41:35

*BONUS PODCAST* - How to build the perfect investment...

The Money To The Masses Podcast ·

2025/03/25

In this bonus episode of the Money to the Masses podcast, Damien is joined by Kyle Caldwell, Funds & Investment Education editor at Interactive Investor. During their chat, they discussed the intricacies of building investment portfolios, focusing on key aspects such as diversification, asset allocation and the importance of understanding fund performance. This should not be considered financial advice or a personal recommendationKey insights from the episode include:🧩 Why getting your asset

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