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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

00:12:02

Money Vault - The six hats for better decision making

The Money To The Masses Podcast ·

2026/10/07

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 and Andy revisit episode 424 from July 2023 where Damien explains how you can make better financial decisions by focusing on the evaluation process rather than just the final outcome. Drawing on the famous "Six Thinking Hats" concept created by Edward de Bono, Damien explains how viewing a complex money

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00:22:29

Money Vault - How to make better money decisions

The Money To The Masses Podcast ·

2026/09/30

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 and Andy revisit a 2019 episode where Damien explains how to make better financial decisions by focusing on the process rather than the outcome. He explains the psychological concept of 'outcome bias' and how judging a decision solely by its result can lead to loss aversion and poor investment choices

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00:34:16

Ep 565 - How to build a cash ladder & discovering...

The Money To The Masses Podcast ·

2026/09/27

On this week’s episode, Damien takes Andy through a financial personality test to uncover his 'money script'. He discusses the four main types of money beliefs, how they influence your financial behaviour, and the practical steps you can take to manage them. Finally, he explains how current interest rate expectations make it the perfect time to build a cash savings ladder and how you can use the strategy to boost the interest you earn on your savings without locking all your money away long

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00:18:27

Money Vault - Warren Buffett investing lessons

The Money To The Masses Podcast ·

2026/09/23

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 revisits Episode 271 from 2020 where he takes a look at the investing lessons you can learn from Billionaire investor Warren Buffett. He also provides an update on Berkshire Hathaway's latest portfolio shifts, including its substantial holdings in Apple and Alphabet. It demonstrates how even the most

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00:45:49

Ep 564 - The trading card boom & the new mortgage...

The Money To The Masses Podcast ·

2026/09/20

In this week's episode, Andy and Damien explore the world of sports and trading cards. They discuss the current boom, how it works, the money involved and the tax implications if you trade them. Andy also gives viewers a peek at his own collection. Finally, Damien explains how the market has raised the number of rate hikes it believes the Bank of England will make and the impact this is having on mortgage rates.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in

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00:17:46

Money Vault - New Pension & IHT rules explained

The Money To The Masses Podcast ·

2026/09/16

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, we revisit Episode 509 from June 2025 where we discussed the changes to how defined contribution pensions are treated for inheritance tax. Now that the Finance Act 2026 has confirmed the rules, I explore practical financial planning strategies to consider ahead of the 2027 implementation date, including why you should

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00:43:55

Ep 563 - The optimum investment portfolio & the start...

The Money To The Masses Podcast ·

2026/09/13

In this week's episode, I reveal the optimum medium-risk investment portfolio according to Efficient Frontier analysis. I break down exactly which assets make the cut (and which don't), plus how this ideal mix has shifted over the last two years. Finally, I explain the theory and execution behind "Project 60"- my personal plan to travel the world at age 60.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive

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00:09:39

Money Vault - The link between money and sleep

The Money To The Masses Podcast ·

2026/09/09

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 explores the connection between your financial habits and your physical well-being. He discusses a ten-year study from Bristol University which reveals that saving even a small amount regularly can dramatically improve your sleep, reduce anxiety, and boost overall life satisfaction.Don't forget, you can still

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00:30:25

Ep 562 - Why rising bond yields matter & are plug-in...

The Money To The Masses Podcast ·

2026/09/06

In this week's episode, Damien explains why government bond yields are surging globally, why it matters to everyone and how it will impact your finances. Andy then discusses the legalisation of plug-in solar panels, the pros and cons and whether they are worth it.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at

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00:21:50

Money Vault - Why you need to build a black book

The Money To The Masses Podcast ·

2026/09/02

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, we combine two classic episodes to explain the concept of the "Black Book" - a vital document containing all your essential financial information for your partner or next of kin. We then welcome long-time listener Ben Molyneux, who shares his personal experience of creating a Black Book and the unexpected

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00:34:18

Ep 561 - The pension transfer rush & the outlook for...

The Money To The Masses Podcast ·

2026/08/30

In this week's episode, Damien discusses why an increasing number of people are rushing to consolidate their pensions ahead of the April 2027 rule change, which will make unused pension pots liable to inheritance tax. He explains when this could be a bad idea and reveals how long each pension provider takes to transfer a pension, including who takes the longest.Finally, Damien and Andy discuss how the energy price cap hike that's coming in October could be dwarfed by an even bigger hike in

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00:12:44

Money Vault - Pension Transfer Tips

The Money To The Masses Podcast ·

2026/08/26

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, we revisit episode 505 from May 2025 where I provide some tips for those considering transferring and/or consolidating their pension pots.I summarise the key pros and cons of pension transfers, explain how in-specie transfers work, how to avoid common pension scams and when to seek independent financial advice.Check out

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00:28:54

Ep 560 - Should you still invest at all-time highs &...

The Money To The Masses Podcast ·

2026/08/23

In this week's episode, Damien explores whether investors should be fearful when stock markets reach all-time highs. He looks back at historical data and research to reveal what typically happens after markets hit a record high.Next, he discusses the psychological power of making small, seemingly insignificant changes to your finances and how it can dramatically transform your life.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in free trades when they open an

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00:14:22

Money Vault - When 'good enough' is better than...

The Money To The Masses Podcast ·

2026/08/19

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 revisits episode 303 from January 2021, which explores why a "good enough" financial plan is often better than a perfect one. Drawing on concepts from Morgan Housel’s book The Psychology of Money, Damien explores the vital difference between making strictly rational decisions and making reasonable ones

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00:40:13

Ep 559 - Beginner's guide to buying an Electric Vehicle

The Money To The Masses Podcast ·

2026/08/16

In this week's episode, Justin discusses the financial realities of transitioning to an electric vehicle (EV). He covers the practicalities of buying a second-hand EV, addresses common concerns regarding battery health and explains the logistics and costs of charging an EV, both on the road and at home.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 2026. Terms & fees

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00:15:47

Money Vault - Personal finance numbers everyone...

The Money To The Masses Podcast ·

2026/08/12

Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. This week, Damien takes a look back at episode 417, where he discusses the essential personal finance numbers that can help people maintain control over their financial well-being.From mortgage rates and emergency cash buffers to understanding your exact net pay and retirement targets, keeping track of these key figures can act as an emergency plan for

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00:34:19

Ep 558 - 5 numbers to Retire Early & your...

The Money To The Masses Podcast ·

2026/08/09

In this week's episode, Damien reveals the money audits you should carry out during each decade of your life, from your 30s right through to your 70s. He then breaks down why the numbers 25, 70, 173, 2,000, and 100,000 serve as maths hacks to help you become financially independent and retire early.[AD] Thank you to our sponsor, Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 2026. Terms & fees apply

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00:07:13

Money Vault - Good debt vs Bad debt

The Money To The Masses Podcast ·

2026/08/05

Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. This week, Damien and Andy take a look back at episode 297 from November 2020. While borrowing money is often viewed negatively, taking on debt can sometimes be a sensible investment in your financial future. In this episode, Damien explains the difference between 'Good debt' and 'Bad debt'.Check out this week's

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00:42:01

Ep 557 - How to read investment markets & wildfire...

The Money To The Masses Podcast ·

2026/08/02

In this week's episode Damien discusses your legal rights if your holiday is impacted by the wildfires in Europe. He also explains when your travel insurance will and won't pay out.Finally, he reveals how to read and interpret global investment markets in seconds, by walking you through the key indices, currencies and stocks that he tracks each day.[AD] Thank you to our sponsor Interactive InvestorNew customers can receive £150 in free trades when they open an Interactive Investor Trading

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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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