Do you have a Defined Benefit (DB) pension but not quite sure how it works? Is there a way to retire early in a DB scheme? Is transferring out ever really worth it? Financial adviser Peter Lawlor, from Expert Pensions Advice, has over 30 years of experience and breaks it all down.

You can book a free call with Peter here: https://calendly.com/peter-1138/60min

Or you can email him here: [email protected]

🧑‍💻DB Pension Decoder - free guide to figure out the value of your pension

https://makingmoney.email/DB-decoder-audio

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

⁠https://makingmoney.email/listener-story-form

🎉 Sponsors

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

Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠

New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply.

⁠⁠⁠⁠⁠⁠⁠

–

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.

Is getting a prenup just for the ultra-rich? What if it’s just smart planning for everyone? Family lawyer Ursula Danagher says financial conversations early in a relationship could save you big time later. From protecting your pension to avoiding costly legal battles, this is advice every couple should hear.

Ursula's details: https://www.spencer-west.com/team/ursula-danagher/

💬 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

🎉 Sponsors

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

Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠

New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply.

⁠⁠⁠⁠⁠⁠⁠–

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.

Is a wealth tax the answer to fixing an unfair tax system? Tax expert Dan Neidle says no — and reveals why wealth taxes don’t work, how a land tax could be fairer, what real reform would look like, and why no politician has the guts to do it.

💬 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

🎉 Sponsors

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

Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠⁠⁠⁠https://www.tide.co/offers/makingmoney⁠⁠⁠⁠

New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply.

⁠⁠⁠⁠⁠⁠–

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 really going on with the global economy? Is the U.S. heading for a recession — and could the UK be among the worst hit? Anatole Kaletsky, Chief Economist at Gavekal and author of Capitalism 4.0, argues that both the U.S. and UK are stuck in outdated, pre-2008 economic thinking. He warns of a U.S. recession before year-end, a potential fiscal crisis in the UK, and a major shift in global economic power.

💬 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

🎉 Sponsors

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

Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠

New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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 can history teach us about investing? Is there a right way? Russell Napier—financial historian, author of The Anatomy of the Bear, and founder of the Library of Mistakes—shares what centuries of market behavior reveal about asset allocation, financial repression, and why even the smartest investors get it wrong.

📖 Here’s my free investing course if you don’t fancy reading all the books

https://makingmoney.email/investing-course-audio

💬 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

🎉 Sponsors

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

Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠

New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.

Living standards have stalled — you're worse off than 20 years ago. How do we fix it? David Willetts is a Conservative Member of the House of Lords and President of the Resolution Foundation, where he looks at intergenerational fairness, the theme of his book The Pinch. One of the foundation’s more controversial ideas? Capping ISAs at £100k. 

💬 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

🎉 Sponsors

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

Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠

New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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 are annuities and are they worth it in 2025? With interest rates rising, annuities, which give you a guaranteed retirement income, have been making a comeback. Mark Ormston from Retirement Line, one of the UK’s leading annuity brokers, explains how they work, what returns you can expect and whether they make sense for your pension strategy.

💬 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

🎉 Sponsors

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

Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠

New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/.

⁠⁠⁠⁠⁠⁠⁠⁠-

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

Why isn’t the UK growing — and can it be fixed? Venture capitalist Jon Moynihan, appointed to the House of Lords by Liz Truss, lays out his case for what’s holding Britain back. In his two-volume work Return to Growth: How to Fix the Economy, he argues the UK needs lower taxes, less regulation, and a smaller state to return to prosperity.

💬 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

🎉 Sponsors

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

Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠

New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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 if the market crashes or a recession hits just as you stop working — could you afford it? Financial planner George Agan breaks down the risks many people overlook when planning for retirement. We discuss how much you might really need, why rules of thumb like the 4% rule can fall short, and what to do if returns don’t go as expected.

🗝️ Want George's help planning your retirement?

This is his firm: https://fcadvice.co.uk/about-us/meet-the-team/george-agan/⁠

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

⁠⁠https://makingmoney.email/listener-story-form

🎉 Sponsors

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

Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠

New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/makingmoney/.

⁠⁠⁠⁠⁠⁠⁠⁠

–

If you purchase a product or service using one of the links above (including George's firm), 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.

We answer some of your top investing questions. We’ve seen massive drops this year—are we in for another crash? What should you do when the market is volatile? What’s the easiest way to invest in gold? How should you approach investing vs saving?

Get my free course on investing in index funds 📨 

⁠https://makingmoney.email/investing-course-audio

Watch our free webinar on how to invest a lump sum💰  

https://makingmoney.email/lump-sum-recording

💬 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

🎉 Sponsors

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

Tide - Get up to 4% AER variable with their Instant Saver Account: ⁠https://www.tide.co/offers/makingmoney⁠

New Tide members get these rates free for 4 months, after which your Tide plan’s rates apply. For full details visit https://www.tide.co/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.