The S&P 500 once delivered 17 years of zero real returns. Could it happen again? Jim Reid is the Global Head of Macro Research at Deutsche Bank. In a recent report, The Ultimate Guide to Long-Term Investing, his team analysed data from 56 countries over 200 years.

You can read the full report on the Deutsche Bank Research Institute website: https://www.dbresearch.com/PROD/RI-PROD/PDFVIEWER.calias?pdfViewerPdfUrl=PROD0000000000607211&rwnode=REPORT

*All figures were correct at time of recording but may have changed.

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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.

More than half of adults in the UK don’t have a will. So what happens if you die without one? 

Sam Grice is CEO of Octopus Legacy.

If you don't have a will like T, you can get one here: https://makingmoney.email/OctopusLegacy

Correction: Outside of the free wills campaign, the cost for a simple will is £150, and a will with trust is £450

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If you purchase a product or service using one of the links above (including Octopus Legacy), 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.

Susan wrote into us: What do you think of the ‘Die with Zero’ philosophy by Bill Perkins? I know many people who work so hard that they never get to enjoy retirement. There are three widows in my gym group in their 50s. I also know many people hoarding money in their late 70s, frightened to spend anything.

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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.

Timothy Armoo was twenty seven when he sold his company Fanbytes for tens of millions of pounds. He’s written the book he wish he’d had when he was starting out (https://amzn.eu/d/05juET3K)

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❓Survey - how are you saving for your future?

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🎉 Sponsors

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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.

---

If you want to listen to the episode on how to get a payrise, you can listen here: https://pod.link/1674547187/episode/M2YxYjlmNTItMGJkNC0xMWYwLWE2ZDUtODc4YzU3NDEwYzY2?view=apps&sort=popularity

*Jesse Itzler is the founder of Marquis Jets not Net Jets

What if you live longer than you expect? Can you make your money last in retirement? Marianna Hunt is a personal finance specialist at Fidelity International. She’s looked at how you can actually plan for it.

Here’s our compound calculator: https://makingmoney.email/compound-interest-calculator

🤝 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

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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.

I mention my video featuring Marianna - here it is: https://youtu.be/hfS9LRCOzik?si=IR8PzDmX0p9DMqzZ

Fidelity's report on longevity: https://www.fidelity.com.sg/news-and-insights/the-longevity-revolution-preparing-for-a-new-reality

Chapters:

00:00 - Do You Need Help With A Financial Decision? Promo

01:05: How To Live To 100

07:54 - The Chance You Live To 100

11:02 - The Longevity Problem 

16:49 - Tide Ad

17:46 - Can You Work Longer?

21:17 - Making Your Money Last

24:30 - Inflation Is The Silent Killer

30:35 - What If You Can’t Work Longer?

33:41 - Vanta Ad

34:48 - How Many Are Healthy Years?

39:19 - What Kind Of Care Do You Want? 

46:09 - Longevity Isn’t A Problem

51:16 - How To Prepare For Living Longer

Is slow population growth going to change your retirement? Amlan Roy is an expert in demographics and has advised governments all over the world. He says the way our population is changing is at the heart of all the big issues we’re facing today, not just pensions. 

You can get Amlan’s book ‘Demographics Unravelled’ here: https://a.co/d/0gyPSQbi

💬 Do you have a money story you'd like to share on the podcast?

⁠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

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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.

Chapters:

00:00 - Is Age The Only Factor?

05:25 - Vanta Ad

06:30 - The Ageing Time Bomb

11:57 - Immigration As A Tool

15:20 - Tide ad

16:20 - Fertility Rates

20:27 - Staying In Work Longer

23:10 - Means-Tested State Pension

28:10 - How Much Does a 20 Year Retirement Cost?

33:00 - When Will The Problem End?

35:58 - Where Will You Retire?

Are you being misled about the state of the UK economy? What really went wrong? And how do we fix it? Vicky Pryce was a top economist inside the civil service, and worked for years in the private sector. Her latest book is Mismanaged Decline: What Politicians Won't Tell You About the Economy (https://amzn.eu/d/0kD8EVO).

💬 Do you have a money story you'd like to share on the podcast?

⁠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.

Chapters:

00:00 - Ad - Do You Need Help With A Financial Decision? 

01:07 - Why Do Politicians Lie?

11:15 - Investment

17:21 - Tide ad

18:31 - Productivity

26:25 - Austerity and Brexit

31:51 - Vanta ad

31:56 - How To Fix The UK

41:13 - How Much Waste Is There?

49:16 - The Taxpayer Always Pays

01:02:14 - What’s Going To Change It?

What if personal finance wasn’t just complicated, it was actually rigged against you, Tarun Ramadorai, professor of financial economics at Imperial College London, has advised central banks and sovereign wealth funds. And he’s co-written a book ‘Fixed: Why Personal Finance Is Broken and How to Make It Work for Everyone’.

💬 Do you have a money story you'd like to share on the podcast?

⁠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.

Chapters:

00:00 - The System Is Fixed

12:21 - The Broken UK Mortgage Market

20:39 - Vanta Ad

21:44 - How To Fix This?

31:21 - Who This Affects The Most

39:43 - TaxZap ad

40:58 - How To Beat The Insurance Industry

51:01 - Get The Basics Right

59:45 - Financial Education Isn’t Enough

01:05:37 - The Countries We Need To Learn From

Ask anyone who the world’s best investor is, chances are, they’ll say Warren Buffett. Every move he makes makes headlines. Together with Charlie Munger, he built Berkshire Hathaway, one of the biggest names in the S&P 500. Now that he’s stepped down as CEO, we’ve invited Glen Arnold, who literally wrote the book, in fact, all four books of The Deals of Warren Buffett.

💬 Do you have a money story you'd like to share on the podcast?

⁠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.

Chapters:

00:00 - Franchise Exhibition ad

00:40 - His First Investment

04:44 - 3 Rules

09:45 - High Reward But Low Risk

13:00 - Taxzap ad

14:15 - Charlie Munger

20:39 - Circle of Competence

26:02 - Vanta ad

27:09 - Diversification

31:45 - His Biggest Mistake?

40:13 - Barrier To Entry

46:40 - Warren Buffett’s Failure

52:11 - A Fragile Ego?

57:36 - How Would He Invest Now?

01:01:49 - Who Is The Greatest Investor?

Ben Felix has one of the few personal finance channels I watch. Chief Investment Officer at PWL Capital, he also co-hosts  the Rational Reminder podcast. We discuss the finance ‘rules’ to avoid,  why human behavior makes us bad investors, and the questions you need to ask if you want your money to support a better life. Ben also opens up about his cancer diagnosis earlier this year and how it’s changed his perspective.

💬 Do you have a money story you'd like to share on the podcast?

⁠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.

Here are the papers referenced:

Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice Anarkulova, Aizhan and Cederburg, Scott and O'Doherty, Michael S. 

Finding and Funding a Good Life - Ben Felix

Ben’s channel: https://www.youtube.com/c/BenFelixCSIRational Reminder podcast: https://www.youtube.com/c/RATIONALREMINDER

Chapters:

00:00 - Franchise Exhibition ad

00:39 - Why finance?

06:29 - Home bias

13:42 - Vanta ad

14:47 - Are you over-exposed?

17:19 - Low US returns coming?

23:06 - 4% rule 

27:09 - TaxZap ad

28:23 - Rational investing?

35:00 - Investment approach

38::45 - Money and happiness

41:24 - Funding a good retirement

45:25 - Trade-offs

50:03 - When you shouldn’t save

54:52 - Cancer diagnosis

01:09:09 - Best investment advice