In this episode of Beyond the Market, we explore one of the most misunderstood ideas in finance and investing: the hidden trade-off between time and money.

Many people go out of their way to avoid small fees or save a few pounds by driving further for cheaper petrol, spending hours researching purchases, or avoiding convenience costs, without ever accounting for the time they’re giving up in the process.

I breakdown:

• Why people consistently undervalue their own time

• The behavioural biases that lead us to “save money” inefficiently

• Real-world examples where time is traded poorly for small financial gains

• How this mindset shows up in investing through over-trading, over-optimising, and constant portfolio monitoring

• A simple framework to evaluate decisions by asking what you’re really paying

This episode is not about budgeting hacks or shortcuts. It’s about thinking better by understanding opportunity cost, behavioural finance, and why the best investors protect their time as fiercely as their capital.

If you found this interesting, please follow and review Beyond the Market wherever you listen, it really helps the show reach more people. For more investing insights, mindset tips and behind-the-scenes clips, follow me on Instagram ⁠⁠⁠⁠⁠⁠@anthonycotterfinance⁠⁠⁠⁠⁠⁠. And if you’re already following, share this episode with a friend who needs to hear it