On this week's episode Damien and Andy talk about their best and worst money decisions ever. They also discuss how good and bad luck have affected their finances at various points in their lives. Most important of all, Damien explains why it's essential everyone acknowledges the good, the bad, the lucky and unlucky decisions they've made if they are to make better decisions in the future.

Thank you to our sponsor Lightyear

This show is sponsored by Lightyear - https://moneytothemasses.com/redir/lightyear-isa-pod, a new, straightforward platform offering a Stocks & Shares ISA. With no account, subscription or custody fees, Lightyear’s Stocks & Shares (S&S) ISA will be 10 times cheaper than the average market provider over 10 years (based on research conducted by Capital Economics) and its Cash ISA offers easy access to the Bank of England base rate. Both accounts are flexible, so you can withdraw and re-invest without affecting your annual limit. Capital is at risk and ISA rules apply. Other fees - like foreign exchange fees - may apply. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority

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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 - Podcast Episode 49504:10 - Damien's Worst Financial Decisions06:45 - Andy’s Credit Card Experience08:25 - Career Choices and Financial Missteps11:22 - Lessons Learned: The Importance of Hindsight14:03 - Andy’s Property Journey17:04 - Luck vs. Hard Work in Financial Success19:51 - Damien's Mortgage Experience: Good Decisions Amidst Bad Luck21:29 - The Role of Luck in Financial Decisions24:20 - The Birth of Money to the Masses26:14 - Acknowledging Luck in Financial Journeys31:57 - Navigating Privilege and Opportunities32:39 - The Impact of Financial Decisions35:54 - Lessons from Engagement with Pensions36:29 - Some More 'Best and Worst' Financial Decisions41:19 - Reflections on Luck and Timing in Finance

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