Money Mechanics - With Sarah Poynton Ryan

By Sarah Poynton-Ryan

Money Mechanics: Engineer Your Financial Future

Join Sarah Poynton-Ryan, entrepreneur and financial strategist, as she breaks down the essentials of personal finance, debt r... more

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FAQs about Money Mechanics - With Sarah Poynton Ryan:

How many episodes does Money Mechanics - With Sarah Poynton Ryan have?

The podcast currently has 14 episodes available.

Money Mechanics - With Sarah Poynton Ryan episodes:

November 25, 2025S2 Ep1: Money Mechanics - Mark Wright & Sarah Poynton
In this episode of the Money Mechanics podcast, Sarah Poynton-Ryan interviews Mark Wright, a successful entrepreneur and winner of the BBC's The Apprentice. Mark shares his journey from humble beginnings to financial success, discussing his early memories of money, the importance of self-education, and the mindset required for wealth building. He emphasises the significance of risk-taking, overcoming fear, and the cultural beliefs surrounding money. Mark also reflects on the impact of AI on business and the balance between health and wealth. The conversation concludes with insights on defining enough money for a comfortable life and advice for aspiring entrepreneurs.

Don't forget to join Money Mechanics Weekly. Your weekly newsletter that will help you understand money, investing, cash flow, debt and personal finance. It's FREE, and you can join here www.sarahpoynton.com/newsletter

Biggest Takeaways
Mark's earliest memory of money was the feeling of not having enough.
Understanding money is like learning a new language.
Self-education in finance is crucial for success.
Surrounding yourself with ambitious people is key.
Risk-taking is essential for financial growth.
People often fear discussing money due to societal norms.
Mistakes in hiring can be costly in business.
Health and fulfilment are as important as wealth.
Cultural beliefs about money can limit financial success.
AI will impact all industries, and embracing it is vital.

"You have to have a level of risk to make money."
"Money creates freedom."
"Money does buy a level of happiness."

Chapters

00:00 Introduction to Mark Wright's Journey
03:04 Early Memories and Lessons About Money
05:53 The Importance of Self-Education in Finance
08:28 Risk-Taking and the Psychology of Money
11:14 Overcoming Fear and Embracing Financial Conversations
14:04 Mistakes and Learning Experiences in Wealth Building
17:04 The Role of Health and Fulfilment in Wealth
19:40 Cultural Beliefs and Mindsets About Money
22:19 The Impact of AI on Business and Wealth
25:28 Defining Enough Money for a Comfortable Life
27:57 Final Thoughts and Advice for Aspiring Entrepreneurs

Money, entrepreneurship, financial education, risk-taking, wealth building, mindset, AI, self-education, success, personal finance, debt
...more
50min
December 17, 2024S1 Ep12: Episode 12 - Busting The Top Ten Money Myths
Episode 12 - Debunk The Top 10 Money Myths

In Episode 12 of the Money Mechanics Podcast, Sarah Poynton debunks the top 10 money myths that have been circulating and causing confusion for many. This episode is the perfect wrap-up for the series, offering clarity on common misconceptions about investing, debt, saving, and financial freedom. Whether you're just starting your financial journey or looking to refine your approach, this episode provides the truths that will help you move forward with confidence.

Key Topics Covered:
You Need a Lot of Money to Start Investing
Debunking the myth with fractional shares: Start investing with as little as £5 or £10.
Debt is Always Bad
Understanding the difference between good debt (e.g., buy-to-let mortgages) and bad debt (e.g., credit card debt).
Saving is Safer Than Investing
Why inflation erodes the value of savings and why investing is more likely to outpace inflation.
Financial Freedom is Only for the Wealthy
How financial freedom is achievable for anyone through disciplined money management, intentional investing, and diversifying income streams.
Renting is Throwing Away Money
Why renting isn’t always a waste, and how it can offer flexibility and breathing room for other financial opportunities.
You Must Pay Off All Debt Before Investing
The Rule of Seven: Focus on paying off high-interest debt first, but investing alongside manageable debt can also work.
Focus on One Source of Income
The importance of multiple income streams to secure financial stability and mitigate risks.
More Income Equals More Wealth
Why managing your expenses and not just increasing income is key to building wealth.
You Need a Financial Advisor to Succeed
Why DIY investing is more accessible than ever, and how you can make informed decisions without a financial advisor.
Once You’ve Invested, Never Touch Your Portfolio
Why regular portfolio reviews are essential for keeping your investments aligned with your goals and risk profile.
Resources Mentioned:
Money Mechanics Book: Learn more about leveraging debt and building wealth through strategic investing. Grab a copy here www.sarahpoynton.com/moneymechanics.
Free Trade: A platform for DIY investing in fractional shares including an offer for a free share upon sign-up.
Why You Must Listen:
This episode shatters common myths about money, empowering you to make informed financial decisions and take control of your wealth-building journey. With clear explanations and practical advice, Sarah will guide you through these money myths and show you the truth about investing, saving, and financial freedom.

Follow Us:
Website: www.sarahpoynton.com
Social Media: www.instagram.com/moneymechanics.global
YouTube: www.youtube.com/@SarahPoynton
Subscribe & Share:
If you enjoyed this episode, don't forget to subscribe, rate, and share it with your friends!
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19min
December 10, 2024S1 Ep11: Episode 11 - Mortgages For Beginners - Different Types & How To Choose For You
Episode 11 - Mortgages

In Episode 11 of the Money Mechanics Podcast, Sarah Poynton delves into the crucial topic of mortgages, specifically focusing on the differences between interest-only and repayment mortgages. This episode is packed with practical insights for first-time homebuyers and anyone interested in understanding the financial implications of their mortgage choices.

Key Topics Covered:
What is a Mortgage?
Understanding the definition and history of a mortgage ("death pledge").
The basics of getting a mortgage for buying your first home or an investment property.
Interest-Only Mortgages:
What interest-only mortgages are and how they work.
The pros and cons of paying only the interest and the risks of owing the original debt after the mortgage term.
Repayment Mortgages:
How repayment mortgages allow you to pay down the capital and interest over time.
The benefits of eventually owning your property outright and becoming mortgage-free.
Key Differences Between Interest-Only and Repayment Mortgages:
Comparing monthly payments, long-term financial impact, and future ownership of the property.
The advantages of interest-only mortgages for lower monthly payments and the long-term benefits of repayment mortgages for full ownership.
Choosing the Right Mortgage for You:
How to decide which mortgage fits your financial goals.
The importance of consulting with a mortgage broker to find the best deal and guidance on refinancing when needed.
Resources Mentioned:
Money Mechanics Book: Includes deeper insights into leveraging other people's money and understanding your mortgage options. Grab a copy here www.sarahpoynton.com/moneymechanics.
Mortgage Brokers: How brokers can help you navigate the market and find the right product for your needs.
Why You Must Listen:
This episode is essential for anyone considering homeownership or looking to better understand the long-term impact of mortgage choices. Whether you're a first-time buyer or someone considering refinancing, Sarah provides clear and actionable advice to help you make the best decision for your financial future.

Follow Us:
Website: www.sarahpoynton.com
Social Media: www.instagram.com/moneymechanics.global
YouTube: www.youtube.com/@SarahPoynton
Subscribe & Share:
If you found this episode helpful, don't forget to subscribe, rate, and share with your friends!
...more
15min
December 03, 2024S1 Ep10: Episode 10 - Interest Rates & How They Really Affect Your Finances
Episode 10 - Interest Rates

In Episode 10 of the Money Mechanics Podcast, Sarah Poynton explains the importance of interest rates and how they impact our daily lives. Drawing from a real-life listener's question, Sarah breaks down the basics of interest rates, how the Bank of England base rate affects both personal finances and businesses, and why everyone—whether renting, saving, or borrowing—should pay attention to this key financial indicator.

Key Topics Covered:
What is an Interest Rate?
Understanding interest as the "rental fee" for borrowing money.
How it applies to both savings and loans.
The Role of the Bank of England Base Rate:
How the base rate impacts inflation and the economy.
The effects of raising or lowering the base rate on personal borrowing and savings.
Interest Rates and Your Personal Finances:
How higher interest rates affect rent, mortgages, and borrowing costs.
The difference between variable-rate and fixed-rate mortgages.
Why You Should Care:
How changes in interest rates affect everything from rent prices to business operations.
The broader economic impact, including the cost of goods and services.
Resources Mentioned:
Bank of England Base Rate: A critical figure in understanding monetary policy.
Fixed vs. Variable Mortgages: Explains the difference and what might work best for you.
Why You Must Listen:
This episode is a must-listen for anyone looking to understand the direct impact of interest rates on personal finances and broader economic trends. Whether you’re renting, saving, or considering a mortgage, this episode equips you with the knowledge to make informed financial decisions.

Follow Us:
Website: www.sarahpoynton.com
Social Media: www.instagram.com/moneymechanics.global
YouTube: www.youtube.com/@SarahPoynton
Subscribe & Share:
If you found this episode valuable, don't forget to subscribe, rate, and share with others!
...more
14min
November 26, 2024S1 Ep9: Episode 9 - Diversification in Investing
Episode 9 - Diversification in Investing

In Episode 9 of the Money Mechanics Podcast, host Sarah Poynton delves into the concept of diversification in investing, using the analogy of a "garden of growth." Sarah explains how to create a diversified investment portfolio that can grow steadily and withstand market volatility.

Key Topics Covered:
The Garden of Growth Analogy:
Comparing different investment types to garden elements (e.g., oak trees, hedges, fruit trees, etc.).
How each component (property, defensive stocks, dividend stocks, index funds, and high-risk assets like crypto) plays a role in balancing your portfolio.
Types of Investments:
Property: The sturdy oak tree that grows steadily over time.
Defensive Stocks: The protective hedge that shields your investments from market volatility.
Dividend Stocks: The fruit trees that pay out passive income regularly.
Index Funds: Diversified flower beds that spread risk across multiple sectors.
Cryptocurrency & High-Risk Assets: Exotic plants that offer high volatility and reward.
How to Start Investing:
Tips for beginners on how to begin with defensive stocks, dividend stocks, or index funds.
How to gradually build a diversified portfolio without requiring huge initial investments.
Resources Mentioned:
Money Mechanics Book: Further explanation on creating a diversified portfolio and the garden analogy. Grab a copy www.sarahpoynton.com/moneymechanics.
Coca Cola: Example of a defensive, dividend-paying stock.
Index Funds: Suggested as a great starting point for diversification.
Why You Must Listen:
If you're new to investing or want to refine your strategy, this episode provides invaluable insights into building a balanced portfolio. Sarah offers practical advice to help you avoid risky, overconcentrated investments, making it an essential listen for anyone serious about growing their wealth.

Follow Us:
Website: www.sarahpoynton.com
Social Media: www.instagram.com/moneymechanics.global
YouTube: www.youtube.com/@SarahPoynton
Subscribe & Share:
If you found this episode useful, don't forget to subscribe, rate, and share it with your network!
...more
16min
November 19, 2024S1 Ep8: Episode 8 - Stocks, Shares, and Investment Funds Explained
Episode 8 - Stocks, Shares, and Investment Funds Explained

Welcome to Episode 8 of the Money Mechanics Podcast! In this informative episode, host Sarah Poynton explores the critical distinctions between stocks, shares, and investment funds. If you’ve ever been confused by these terms or wondered which investment path to take, this episode is your guide to understanding the differences and finding the right strategy for your financial goals.

Key Topics Covered:
Understanding Stocks and Shares:
The interchangeable use of "stocks" and "shares" in the UK.
The analogy of buying a single rose (stock) versus a bouquet (fund).
Pros and Cons of Stocks vs. Funds:
Stocks provide the potential for higher returns but come with greater risk.
Funds offer diversification, reducing the impact of individual company performance.
Investment Strategies:
Tips for choosing between hands-on stock investing and more passive fund investments.
The importance of understanding liquidity and transaction fees.
Accessibility and Minimum Investments:
The accessibility of buying fractional shares in stocks versus minimum investment requirements for certain funds.
Insights from Sarah's personal investment journey and experiences with fund managers.
Tax Implications:
Overview of capital gains taxes related to stocks and funds.
Recommendations for consulting tax advisors for personalized advice.
Resources Mentioned:
Money Mechanics Book: Contains in-depth information about dividend stocks on page 143, including a table of recommended stocks. Grab a copy www.sarahpoynton.com/moneymechanics.
Free Trade: An investment platform for buying dividend stocks, including an offer for a free share upon sign-up.
Other investment platforms: Hargreaves Lansdown, Trading 212, eToro, and more.
7. Join the Community:
An invitation to reach out with questions and connect through our Money Mechanics FREE Facebook Group
Why You Must Listen: This episode is essential for anyone looking to demystify investment terminology and make informed decisions about their financial future. Whether you're considering investing in individual stocks or looking for a more diversified approach through funds, Sarah provides the insights and clarity you need to take confident steps forward. Don’t miss out on this valuable information!

Follow Us:
Website: www.sarahpoynton.com
Social Media: www.instagram.com/moneymechanics.global
YouTube: www.youtube.com/@SarahPoynton
Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!
...more
17min
November 12, 2024S1 Ep7: Episode 7 - Unlocking the Power of Dividend Stocks
Episode 7 - Unlocking the Power of Dividend Stocks

Welcome to Episode 7 of the Money Mechanics Podcast! In this engaging episode, host Sarah Poynton explores the world of dividend stocks—a powerful tool for generating passive income. If you've ever dreamed of earning money while you sleep, this episode is a must-listen!

Key Topics Covered:
What Are Dividend Stocks?
Understanding the concept of dividend-paying stocks and how they work.
The distinction between being a shareholder and managing a company.
Passive Income Explained:
The true meaning of passive income and why dividend stocks qualify.
How to earn money without active involvement in a company’s operations.
Real-Life Examples:
Case studies of well-known dividend stocks, including Coca-Cola, ExxonMobil, and Ford.
Insights from Warren Buffett’s investment strategy and his substantial earnings from dividends.
Choosing Dividend Stocks:
How to select the right dividend stocks based on payout patterns and company performance.
The importance of understanding dividend yields and their implications.
Building a Passive Income Stream:
Setting financial goals to achieve your "fuck you money" number through dividend stocks.
Strategies to replace your monthly income with dividends.
Resources Mentioned:
Money Mechanics Book: Contains in-depth information about dividend stocks on page 143, including a table of recommended stocks. Grab a copy www.sarahpoynton.com/moneymechanics
Free Trade: An investment platform for buying dividend stocks, including an offer for a free share upon sign-up.
Other investment platforms: Hargreaves Lansdown, Trading 212, eToro, and more.
Join the Community:
An invitation to reach out with questions and connect through our Money Mechanics FREE Facebook Group
Why You Must Listen: This episode demystifies dividend stocks and highlights their potential for generating significant passive income. Whether you’re a novice investor or looking to diversify your portfolio, understanding how to leverage dividend stocks can lead you to financial freedom. Don’t miss this opportunity to gain actionable insights and transform your investment strategy!

Follow Us:
Website: www.sarahpoynton.com
Social Media: www.instagram.com/moneymechanics.global
YouTube: www.youtube.com/@SarahPoynton
Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!
...more
15min
November 05, 2024S1 Ep6: Episode 6: What is compound interest and what you need to do to take full advantage of it right now!
Welcome to Episode 6 of the Money Mechanics Podcast! In this enlightening episode, host Sarah Poynton dives into the essential yet often overlooked concept of compound interest, famously dubbed the "eighth wonder of the world" by Albert Einstein. Learn how understanding and leveraging compound interest can dramatically enhance your financial future.

Key Topics Covered:
What is Compound Interest?
Definition and differentiation between simple interest and compound interest.
Why compound interest is crucial for wealth accumulation.
The Million-Pound Question:
A thought-provoking scenario comparing receiving £1 million today versus £1 doubling every day for 30 days.
The staggering outcome of choosing to invest rather than taking cash upfront.
Real-Life Examples:
Practical calculations showing the advantages of compound interest over time.
How investing £25 each birthday, Christmas, and Easter for a child can lead to significant wealth by age 25.
Building a Legacy:
Strategies to set up investments for children to ensure financial security.
The impact of early investment and time on building wealth.
Getting Started with Compound Interest:
How much you need to invest monthly to achieve specific financial goals, such as gifting a million pounds on a child’s 35th birthday.
The importance of starting early and consistently contributing to investment accounts.
Resources Mentioned:
Money Mechanics Book: A comprehensive guide to understanding money mechanics, including a dedicated chapter on compound interest. Grab your copy here www.sarahpoynton.com/moneymechanics
Compound Interest Calculator: Available for free download in the book to help you calculate your investment needs.
Join the Community:
An invite to listeners to join the Money Mechanics Facebook group for further discussions and support.
Why You Must Listen: This episode is a game-changer! Understanding compound interest could transform your financial outlook and empower you to make informed decisions that can secure a better future for you and your loved ones. Whether you're a seasoned investor or just starting out, this knowledge is crucial for building lasting wealth.

Follow Us:
Website: www.sarahpoynton.com
Social Media: www.instagram.com/moneymechanics.global
YouTube: https://www.youtube.com/@SarahPoynton/
Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!
...more
15min
October 31, 2024S1 Ep5: What is your Money Mindset and how does it impact your financial behaviours?
Welcome to Episode 5 of the Money Mechanics Podcast! In this episode, host Sarah Poynton delves deep into the concept of money mindset, discussing how our financial beliefs and behaviours are shaped by our experiences and upbringing.

Key Topics Discussed:
Introduction to Money Mindset:
The importance of understanding your relationship with money.
How financial decisions compound over time to shape your current situation.
Different Types of Money Mindsets:
Scarcity Mindset: Feeling like there's never enough money and its effects on financial behaviour.
Abundance Mindset: The pitfalls of assuming there's always enough, leading to overspending.
Entitled Mindset: Growing up believing that you deserve certain luxuries and its impact on financial choices.
Ignorance Mindset: The dangers of not discussing or understanding money and its implications.
Debt Mindset: Living in a cycle of debt and how it becomes normalised.
Guilt Mindset: Feeling shame about spending money on oneself, leading to poor investment in personal well-being.
Success Mindset: The risks of measuring self-worth by financial success and neglecting personal health and relationships.
Generosity Mindset: The challenges of giving beyond one’s means and the importance of balancing generosity with self-care.
Control Mindset: Understanding how past trauma or financial abuse can shape your relationship with money.
Risk-Averse Mindset: The necessity of taking educated risks in investment to grow financially.
Empowerment through Understanding:
Recognising your money mindset is the first step towards change.
Practical steps to shift your mindset and improve your financial situation.
Call to Action:
Reflect on your own money mindset using the questions in Chapter 4 of Sarah’s book, "Money Mechanics."
Take proactive steps to understand and improve your financial health.
Grab your copy of the book: www.sarahpoynton.com/moneymechanics

Connect with Sarah:
Website: www.sarahpoynton.com
Instagram: www.instagram.com/moneymechanics.global
Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!
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34min
October 22, 2024S1 Ep4: Episode 4: Demystifying Debt
Podcast Episode 4: Demystifying Debt

Host: Sarah Poynton-Ryan, Investor, Business Owner, and Money Educator

Episode Summary: In this episode of Money Mechanics, Sarah dives deep into the often misunderstood world of debt. Drawing from her personal experience of clearing £60,000 of debt in 2015, Sarah shares practical strategies to tackle both "good" and "bad" debt. She debunks the myths surrounding debt, explaining how it can be a tool for growth when managed correctly, and guides you on the journey to financial freedom.

Key Topics Covered:
Good Debt vs. Bad Debt: Understand the difference between debt that builds wealth (like a mortgage on a rental property) and debt that drains your resources (like credit cards or car loans).
Debt Repayment Strategies: Learn about the Avalanche and Snowball methods of debt repayment, with tips on choosing the best one for your situation.
Avoiding New Debt: Why creating an emergency fund is essential to prevent future debt, and how to prioritise paying off high-interest debt first.
Automating Your Finances: Sarah shares her favourite automation tools (shoutout to Monzo!) to keep you on track without having to think about it.
Tracking Your Progress: Why it’s crucial to stay aware of your spending and debt situation – avoiding the temptation to "look away" from the numbers.
Resources Mentioned:
Chapter 4 of Sarah's book Money Mechanics: A deep dive into the differences between good and bad debt.
Budget Tracker: Download Sarah’s budget tracker from her website https://www.sarahpoynton.com/budgettracker
YouTube Video: Watch Sarah’s video tutorial on using the budget tracker to take control of your finances
...more
18min

FAQs about Money Mechanics - With Sarah Poynton Ryan:

How many episodes does Money Mechanics - With Sarah Poynton Ryan have?

The podcast currently has 14 episodes available.