They say our money habits are shaped by our parents, with many of them formed before we're even seven years old. So I wanted to find out where my relationship with money really came from. To do that, I sat down with the one person who's been there from the very beginning.

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If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Patrick Foster is a recovering addict who spent every day for 13 years gambling. It all started with a 2 pound bet...

TW: This video contains discussions of suicide and addiction, which some listeners may find distressing.

If you are struggling with addiction in the UK: https://www.nhs.uk/live-well/addiction-support/

Patrick's website:

Patrick's app: https://reclaimapp.co.uk/

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If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Does UK politics actually work? Is the system broken? And if it is, what needs to change? We don't often do political interviews, but this felt like an important moment to have one. We spoke to political commentator Ian Dunt two years ago before Labour came to power. He correctly predicted what would happen. So we got him back on.

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–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Modern Britain has been shaped by economic decisions. Was austerity the biggest economic mistake of the last generation? Cahal Moran is an economist and host of the YouTube channel Unlearning Economics. His latest book is Why We’re Getting Poorer (https://amzn.eu/d/0cNLJJDO).

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–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Ramin Nakisa from PensionCraft is back. Like me he’s spent years explaining why investing 100% in global equities works. But recently, he changed his portfolio, cutting his exposure by almost half. What changed? And what might make him change his mind again?

💬 Get personal help with your money from our AI

Sorry, the retirement features aren’t quite ready yet (we had to keep that ending!) but you can still get help from our AI here: https://makingmoney.email/AI

❓Survey - how are you saving for your future?

⁠⁠⁠⁠⁠⁠⁠https://makingmoney.email/survey⁠⁠

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney

Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney 

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What’s the best kind of stock market for a new investor? Most people assume you want years of rising prices. But Andrew Clare, who’s spent decades researching investing, says that’s not always true.

Here’s Andrew’s paper: https://doi.org/10.3905/jor.2025.1.180

❓Survey - how are you saving for your future?

⁠⁠⁠⁠⁠⁠https://makingmoney.email/survey⁠⁠

🤝 Want 1:1 financial help from us?

Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney

Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney 

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

What’s the best kind of stock market for a new investor? Most people assume you want years of rising prices. But Andrew Clare, who’s spent decades researching investing, says that’s not always true.

Megan was in her early 30s when she and her partner finally faced up to more than 14 years of debt. After years of overdrafts, credit cards and quietly spiralling finances, they confronted nearly £40,000 they owed. Megan documented their journey out of debt (@that_girl_in_debt), and now they’ve taken their first steps into investing and hope to save £40,000.

Do you have your own story about money, investing, or financial mistakes? We’d love to hear it: ⁠https://makingmoney.email/listener-story-form

🤝 Want 1:1 financial help from us?

Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes

❓Survey - how are you saving for your future?

⁠⁠⁠⁠⁠https://makingmoney.email/survey⁠⁠

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney

Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney 

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

The UK has some of the most expensive household electricity in the world. Why are energy bills so high, and will they ever come down? The price you pay is shaped by rules set by Ofgem, the UK’s energy regulator. Neil Kenward is their Interim Director General of Markets. Thank you to everyone who sent in a question! 

❓Survey - how are you saving for your future?

⁠⁠⁠⁠⁠https://makingmoney.email/survey⁠⁠

🤝 Want 1:1 financial help from us?

Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney

Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney 

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Chris Budd is a former financial planner who believes we’re building wealth in completely the wrong way.

❓Survey - how are you saving for your future?

⁠⁠⁠⁠https://makingmoney.email/survey⁠⁠

🤝 Want 1:1 financial help from us?

Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney

Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney 

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

---

Click here to listen to Pete Matthew's episode with us we mention at the end:

https://pod.link/1674547187/episode/YjExYWMyNmUtYmQ0Zi0xMWVmLTg0NmYtMWJiZjQ1NWRhNWJm?view=apps&sort=popularity

70% of people don’t budget which means there’s an opportunity for you to be better than most. A budget helps you navigate from the financial stage you’re at now to the one you want to get to, whatever your goal is. We’re here to find out how to budget, but first of all, let’s find out what Damo and T are wasting their money on...

*This episode was originally published in May 2023

Get the budgeting spreadsheet we mentioned: https://makingmoney.email/budget-spreadsheet

❓Survey - how are you saving for your future?

⁠⁠⁠⁠https://makingmoney.email/survey⁠⁠

🤝 Want 1:1 financial help from us?

Answer a few questions to find the right service & book free call: https://getmost.typeform.com/pod-episodes

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney

Xero accountancy software - get 90% off for 6 months: https://referrals.xero.com/makingmoney 

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.