What can we learn from recent market volatility? 

Benjamin climbs back onto his financial soapbox in this week's episode and shares his musings on why short-term market wobbles have no relevance to the underlying financial strength of your portfolio. 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

As a small business owner in the UK you likely wear many hats, and accountancy is one area that few business owners admittedly have an interest in. 

We're never really taught the fundamentals of good business accounting. 

So in this week's episode we are delighted to welcome Dan Heelan from Heelan Associates to offer his valued insights on how much should Ltd company business owners pay themselves in 2025/26? 

Dan is somewhat of a celebrity in accountancy circles. He's likely to be one of the first friendly faces you see on YouTube when looking for guidance as a business owner, and so having him appear as a guest on the podcast was a real privilege. 

He shares with us valuable hints and tips on:

• how to remunerate yourself tax efficiently within your business
• how to extract money from your business in a tax efficient way
• how to consider yourself and your business as two separate legal entities (if you're running a Ltd company). 

You're sure to get lots of value from this one. 

Sit back and enjoy! 

Dan's - AMAZING - YouTube channel

You can check out more of Dan's amazing content on YouTube here. 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

Overwhelmed and don't know where to start? 

If you have no idea whether you're on track, or completely off track, then this is the episode for you. 

Benjamin shares the 'rules of thumb' you can adopt to help guide your financial planning. 

How much can you withdraw every year without running out of money? 

How much do you need in your portfolio to be financially independent? 

This episode will give you a starting point. 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

In the UK we have an inherent phobia of investing. Cash is best, cash is king, cash is safe. 

This 'savings over investing' attitude is costing us our financial independence and control over our financial futures and put simply: more needs to be done. 

The sooner we all realise this the better. 

As money nerds, you're already aware of why this matters, but this episode reinforces why. 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

You've likely never heard of him, but Ronald Read's story is a testament to the best principles for successful financial planning. 

In this episode Benjamin shares the story of how Ronald turned a modest income and asset position into a sizeable estate worth over $8M. 

The recipe for his success is nothing surprising, but did he live life to the max and sufficiently enjoy his wealth? 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

This is a very special episode of Headsup on Money. 

We're delighted to welcome The Reverend Matthew Hutton, who shares with us the key takeaways from his best-selling book Your Last Gift: Getting Your  Affairs in Order and outlines actionable and simple steps on how to die 'well'.

It's not the most cheerful of subjects, but this stuff needs to be thought about.  

Matthew brings valued insight from his 35 years as a former tax and trusts lawyer, but as you'll see, the advantages of sorting this stuff out extend far beyond legal and financial benefits. 

You'll leave this episode with a whole new perspective on how to think about this stuff and what it can mean for your loved ones. 

Here's the link to Matthew's website where you can pick up a copy of his book. You won't regret it. 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

'Markets in turmoil'

'S&P 500 experiences record losses' 

'FTSE crashes on market opening'. 

How can you remain focused on your financial plan in the digital age we are in? 

With notifications of financial armageddon seemingly always around us, there are some simple steps you can take to tune out the noise and remain true to your financial plan. 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

In this episode Benjamin outlines the '3 Ps' of financial planning and how you should direct your focus to maximise your chance of financial success. 

It's not as complicated as it may seem. 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

The Mansion House Accord has worrying implications for your pension and your retirement planning. 

Fortunately, you can do something about this and don't have to accept the changes that are now due to come in to effect. 

If you have a workplace pension scheme and you've never bothered to review the fund you're invested in within that workplace pension then this is the episode for you. 

As always, free from financial jargon, guff and waffle that you don't need. 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

Headsup on Money is 100 today!

In this special episode Benjamin reflects on the key learns over the last 100 episodes of the podcast and shares some personal stories to help you get to know him better. 

Thank you to the money nerds out there for your support. 

Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.

Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!

Take my 5 minute retirement assessment (can you already afford to retire?) 🚀


Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.