Mouthy Money: Building wealth with long term investing and saving strategies

Inflation is falling in the UK, at least, according to the official numbers. But for a lot of people, the cost of living still feels painfully high. Petrol prices are rising again, energy bills could jump later this year, and households are still feeling the aftershocks of the inflation spike that followed the Ukraine war.In this episode of the Mouthy Money Podcast, Ed and Chris dig into the latest UK inflation figures and ask why the story feels so disconnected from everyday life. They look at energy prices, fuel duty cuts, VAT changes and the government’s latest cost of living measures, along with the role the Bank of England plays in controlling inflation and interest rates.The conversation also explores what higher inflation means for mortgages, savings accounts, investing and long-term financial planning. Are markets really prepared for another inflation shock? Could government support measures make things worse again? And why do inflation statistics often feel so different from people’s real-world experience?

MOUTHY MONEY

Our substack mouthymoney.substack.co.uk 

Get in touch ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Are you staring down the barrel of a remortgage? You aren't alone.

In this episode, Ed and Chris tackle the ultimate UK homeowner’s dilemma: do you lock in the safety of a fixed-rate mortgage, or roll the dice on a tracker in a completely unpredictable market?

With his own remortgage deadline looming, Chris pulls back the curtain on his options, the maths behind his strict new household budget, and the agonising psychological battle of trying to time the market. Meanwhile, Ed delivers some hard truths on why waiting to “get lucky” with interest rates is a dangerous game to play.

The guys also break down exactly how global tensions, inflation expectations and looming UK political chaos are feeding directly into swap rates and what that means for your monthly repayments.

In this episode, we cover:

• The Fixed vs. Tracker Debate: Which makes more sense right now?

• The Macro Effect: How the Middle East crisis and UK political uncertainty are actively shaping mortgage rates.

• The "Luck" Fallacy: Why you should stop waiting for a lucky break and take control of your debt.

• Practical Defense Strategies: The power of overpaying, managing your Loan-to-Value (LTV) ratio, and bulletproofing your rainy day fund.

• The Safety Net: How to lock in a baseline rate today while keeping your options open for tomorrow.

04:09 – Rolling the Dice: The Gamble of the Tracker 

05:47 – Ed’s Take: Why Certainty Wins 

08:28 – The Hidden Factor: UK Political Uncertainty 

10:42 – The Psychology of Debt & Chasing "Luck" 

13:36 – Forcing Your Own Fortune: The LTV Strategy 

16:15 – The Budget Bulletproof Test: Protecting the Rainy Day Fund 

18:33 – The Power of Overpaying & Overcoming Behavioral Anchoring 

21:09 – Outro: Let Us Know Your Strategy 

*MOUTHY MONEY*

*Our substack* mouthymoney.substack.co.uk 

*Get in touch* ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

In this episode of Mouthy Money, Ed is joined by Sahar Nazir to tackle the ultimate financial dilemma: should you spend your hard-earned cash on an annual holiday, or invest it for your future?

With the average Brit planning to drop over £5,500 on holidays this year, we break down the staggering maths of compounding interest. Could that week in the sun actually be stealing half a million pounds from your retirement? We share our biggest vacation spending regrets (including missed flights across the Andes!), debate the "buy it twice" luxury rule, and reveal our top strategies for balancing immediate gratification with long-term wealth building.

Whether you're a hardcore saver or a massive spender, this episode is packed with hacks to help you pay yourself first, travel without guilt, and rethink your out-of-office plans.

Don't forget to let us know in the comments: Are holidays an essential part of your year, or a luxury you’re willing to sacrifice for financial freedom?

00:00:00 – Intro: The £500,000 Holiday Dilemma

00:01:30 – Welcome Sahar & The £5.5k Holiday Stat

00:02:40 – Ed's Expensive £2,500 Crete Getaway

00:03:40 – Sahar’s Japan Trip & The Weak Yen Hack

00:05:10 – Ed's Worst Holiday Mistake (Stranded in Chile!)

00:07:20 – The Hidden Cost of £5k+ Annual Holidays

00:09:10 – The Math: Turning Holiday Budgets into £519,000

00:10:40 – The "Buy It Twice" Luxury Rule

00:12:30 – Spender vs. Saver Mindsets & Money Regrets

00:14:40 – Striking a Balance: Cheaper Trips & Camping

00:16:30 – Holiday Sinking Funds & Bank Card Mistakes

00:18:10 – The Ultimate Money Hack: Pay Yourself First

00:19:20 – Final Thoughts & Community Question

*MOUTHY MONEY*

*Our substack* mouthymoney.substack.co.uk 

*Get in touch* ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

The stock market just keeps going up, but with ongoing global uncertainty and volatility, why?

In this episode of Investing Stakes, in partnership with Stratiphy, Ed, Chris T, and Chief Investment Officer Chris Ling. consider the psychology of market reversals and why earnings are currently outshining geopolitical tensions. 

If you want to explore Stratiphy or build your own rules-based portfolio, you can use our referral link:

🔗 https://www.stratiphy.io/referrals?code=INVESTINGSTAKES

Disclosure: This is a referral link. We may receive a benefit if you sign up using it.

We also reveal a massive update from Stratiphy: the launch of the UK’s first IF ISA for Crypto ETNs alongside 21Shares!

Plus, it is time for a portfolio review. We compare our Stratiphy strategies: Ed’s tech-heavy "Black Elephant" vs. Chris T's infrastructure-focused "Beige Fox" and debate the big question: Is the AI infrastructure cycle an overvalued bubble, or the ultimate productivity booster?

Catch episodes one and two here to see how we got started with our £500 portfolios:

https://www.youtube.com/playlist?list=PLtc6AcTXUfDxsP1ayPKR_abBFtYzb2Ax8

Stratiphy uses systematic investment strategies based on momentum and moving averages to remove guesswork from portfolio management. Edmund and Chris are investing real money and tracking performance over time.

Subscribe to follow the full series as the portfolios evolve.

This series is produced in partnership with Stratiphy.

00:00 - Intro: Why is the Stock Market Defying Gravity?

01:35 - Stratiphy Update: UK's First IF ISA for Crypto ETNs

03:40 - Why Markets Ignore Geopolitical Uncertainty

06:15 - The Psychology of Market Reversals & Downturns

08:50 - Portfolio Reveal: Ed vs. Chris vs. Stratiphy

10:30 - Momentum Trading vs. Long-Term Trends

13:00 - The AI Debate: Overvalued Bubble or Future Growth?

16:20 - Future Outlook & Final Thoughts

About Stratiphy

Stratiphy is an investing app that helps everyday investors build and track systematic strategies using algorithmic investing and backtesting.

Learn more about Stratiphy here: 

https://www.stratiphy.io/referrals?code=INVESTINGSTAKES

Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results.

MOUTHY MONEY

*Our substack* https://mouthymoney.substack.com/

*Get in touch* ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Are you exposing your money to the wrong kind of risk without even realising it?

Everywhere you look online, people are talking about the power of investing—even the government has launched a "savvy squirrel" campaign to encourage it. But what happens when you skip step one?

In this episode of Mouthy Money, we dive into a brand-new report from Leeds Building Society that reveals a massive blind spot in how we manage our money. Nearly a quarter of us are either leaving our rainy-day funds exposed to sudden stock market drops, or letting inflation quietly eat away at our future wealth in cash traps.

Join us alongside Catherine Wray (Head of Saving at Leeds Building Society) and Chris Tuite (Head of Consumer Finance at MRM Communications) as we discuss the critical importance of building a rock-solid savings buffer before you even think about investing. We cover how much you actually need, the emotional peace of mind an emergency fund brings in an era of "perma-crisis," and how to stop inflation from eroding your hard-earned cash.

If you want to protect your money today so it can grow tomorrow, you don't want to miss this! Let us know in the comments: How big is your cash savings buffer?

Chapters

00:00 – Intro: Are you taking the wrong financial risks?

00:20 – The Leeds Building Society report: A huge blind spot in UK savings.

01:10 – Guest Intros: Catherine Wray (Leeds Building Society) & Chris Tuite (MRM).

02:30 – The Mismatch: Why we confuse short-term needs with long-term goals.

03:40 – Market Corrections: Why 68% of people are scared to invest.

04:10 – Is Cash a "Trap"? The emotional return on investment (peace of mind).

05:00 – The Competence Gap: Why we get basic financial questions wrong.

05:25 – The "Savvy Squirrel": Criticisms of the government’s investing campaign.

06:05 – Chris’s Strategy: Managing money in an era of "perma-crisis."

07:35 – The Cost of Comfort: How a large buffer impacts long-term pension growth.

08:50 – Why the Boiler Always Breaks: The reality of emergency expenses.

09:45 – Rules of Thumb: The 3-to-6 month savings target.

11:10 – Stop "Languishing": Why your current account is losing you money.

12:45 – Gamifying Savings: Using regular savers to build momentum.

14:15 – Strategy: Utilizing Cash ISAs and fixed-rate bonds.

14:50 – Important Update: Changes to the Cash ISA limit coming in April.

16:30 – Defining the Goal: House deposits, pensions, and long-term plans.

17:30 – Wrap-up: How do you set your savings level?

MOUTHY MONEY

Our substack mouthymoney.substack.co.uk 

Get in touch ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251

This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more.

Are you exhausted by the "Perma-Crisis"? Here is how to fight back. 

Does it feel like we are living in a constant state of emergency? From supply chain meltdowns and crazy inflation to global instability and the rising threat of AI taking jobs, it's easy to feel completely powerless when it comes to your money. It feels like you're running on a financial treadmill just to stay in the same place.

But you are not powerless.

In this episode, Edmund Greaves is joined by Chris Tuite (Head of Consumer Finance at MRM) to break down the reality of the "perma-crisis" and share the exact, actionable strategies you can use to shield your bank account from the chaos. 

We discuss the realities of lifestyle deflation, navigating the upcoming mortgage shock, and why long-term investing might be your best defense against short-term anxiety.

• The Perma-Crisis Reality: Why the economic shocks just keep coming (and why "normal" isn't returning anytime soon).

• The Mortgage & Energy Squeeze: How inflation and rising interest rates are fundamentally changing household budgets.

• The AI Job Threat: Why rising unemployment is the next big hurdle, and how to upskill to protect your income.

• Actionable Defense Strategies: How to build financial resilience through cash safety nets, paying down debt, and strategic "lifestyle deflation."

• The Long-Term Fix: Why you must keep investing in your pension and ISAs, even when things feel chaotic.

Check out Paul Thomas’s mortgage market blog on our Substack here: 

https://mouthymoney.substack.com/p/the-mortgage-market-faces-profound

• 00:00 - Intro: Welcome to the Perma-Crisis

• 03:45 - The immediate impact: Energy shocks and inflation

• 06:57 - The mortgage trap: Why fixed rates aren't saving us

• 11:47 - The rising threat of unemployment and AI

• 15:49 - Actionable steps to protect your money today

• 20:42 - Why you MUST keep investing for the long term

👇 We want to hear from you! How are you preparing your finances for the current economic climate? Do you have any coping strategies or concerns? Let us know in the comments below—we read and respond to as many as we can!

Don't forget to LIKE and SUBSCRIBE for more honest conversations about your money.

MOUTHY MONEY

Our substack* mouthymoney.substack.co.uk 

Get in touch ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251

This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more.

Has the golden era of the UK buy-to-let market come to an end? The headlines might say yes, but the reality is much more complex.

In this episode of the Mouthy Money podcast, Edmund and Chris sit down with Louisa Sedgewick, Managing Director of Mortgages at Paragon Bank. With 30 years of industry experience, Louisa reveals exactly how the property market is evolving in 2026. We break down the death of the "dinner party landlord," why the rules of property investment have completely changed, and where the smart money is moving right now.

In this video, we cover:

• Why buying a rental property in your own name is a thing of the past (and why SPVs are the new normal).

• The massive North vs. South divide in property investments.

• How incoming EPC regulations and the Renters' Rights Act will impact you.

• Why you should ignore "get rich quick" property influencers on TikTok.

Whether you're a seasoned investor, an "accidental" landlord, or just looking to understand the UK housing market, this episode is packed with essential insights.

Chapters

00:00 Buy To Let Is Evolving

00:33 Sponsor Message Coinbase

01:20 Meet The Hosts

01:23 What Is Buy To Let

02:30 Louisa And Paragon Bank

04:12 End Of Dinner Party Landlord

06:28 Tax And Regulation Shifts

08:51 Professionalising Landlords

11:22 Should You Become A Landlord

14:25 Where New Landlords Buy

17:29 HMOs And Student Lets

20:13 Future Rules EPC And More

22:44 Avoid Get Rich Quick Hype

24:11 Using Brokers And Tax Advice

25:08 Final Thoughts And Goodbye

*MOUTHY MONEY*

*Our substack* mouthymoney.substack.co.uk 

*Get in touch* ⁠⁠[email protected] ⁠⁠

*Apple Podcasts* https://podcasts.apple.com/us/podcast/mouthy-money/id1712308475

*Spotify* https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=SkMD_90qSs-K3QNb8b-6YQ 

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251

This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more.

In this episode of the Mouthy Money podcast, Edmund Greaves sits down with Lisa Kelly, a claims expert at protection insurance broker LifeSearch, to examine the mechanical reality of claiming on protection policies during severe health crises.

Moving beyond the theory of purchasing insurance, this discussion focuses strictly on the operational end of critical illness and income protection cover. Using real-world data and case studies, we look at how these policies function when policyholders face severe medical emergencies, long-term health issues, or an abrupt loss of income.

What we cover in this episode:

• Children’s Critical Illness Cover: The mechanics of claiming for a dependent, detailing a case involving a Wilms tumor diagnosis and the utilisation of ancillary benefits to access global medical consultants.

• Maternity/Paternity Income Disruption: How individual critical illness policies function when parents require extended time off work to manage a newborn's open-heart surgery.

• Long-Term Income Protection: A breakdown of an ongoing claim that began with a cancer diagnosis in 2013 and evolved to cover subsequent chronic conditions, including depression and arthritis.

• Short-Term Cover & Mental Health: A critical look at an immediate intervention involving a self-employed construction worker facing severe suicidal ideation, and the process of securing medical and financial support.

About our guest: Lisa Kelly is a claims expert at LifeSearch. She transitioned into customer care and claims management after navigating the complex claims process firsthand following her husband's bladder cancer diagnosis, providing her with a practical understanding of the system's demands on policyholders.

Relevant Links & Resources:

• LifeSearch: lifesearch.com

• Mouthy Money: mouthymoney.co.uk

• Samaritans (24/7 Mental Health Support): samaritans.org or call 116 123 (UK) if you are affected by the mental health themes discussed in this episode.

MOUTHY MONEY

Our substack* mouthymoney.substack.co.uk 

Get in touch ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

The Middle East conflict is sending shockwaves through the market. While most investors are panicking, Stratiphy expert Chris Ling explains why "sitting on your hands" is the ultimate power move for your ISA.

If you want to explore Stratiphy or build your own rules-based portfolio, you can use our referral link:

🔗 https://www.stratiphy.io/referrals?code=INVESTINGSTAKES

Disclosure: This is a referral link. We may receive a benefit if you sign up using it.

Catch episodes one and two on our channel to see how we got started with our £500 portfolios

Stratiphy uses systematic investment strategies based on momentum and moving averages to remove guesswork from portfolio management. Edmund and Chris are investing real money and tracking performance over time.

Subscribe to follow the full series as the portfolios evolve.

This series is produced in partnership with Stratiphy.

About Stratiphy

Stratiphy is an investing app that helps everyday investors build and track systematic strategies using algorithmic investing and backtesting.

Learn more about Stratiphy here: 

https://www.stratiphy.io/referrals?code=INVESTINGSTAKES

Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results.

Chapters

00:00 Intro & Episode Highlights

00:45 Welcome to Investing Stakes Episode 3

01:18 What is Stratiphy? (The Quantitative Approach)

02:40 Investing Principles During Market Stress

03:01 Why "Doing Nothing" is Often the Best Strategy

04:20 The £500 Portfolio Challenge: Initial Results

05:37 Personal Reactions: Zen vs. Constant Refreshing

07:13 The Power of Conviction in Long-Term Investing

08:20 The "Overreaction Tax": Why Panic Costs 1.5% a Year

08:50 Pound Cost Averaging: Turning Downturns into Gains

11:04 Sequencing Risk & Managing Retirement Funds

11:45 Performance Reveal: Beige Fox vs. Black Elephant

13:20 Market Analysis: How the Iran Conflict Impacted Benchmarks

16:12 Winning Stock: Why Marathon Petroleum ($MPC) Soared

18:35 Why Oil Refiners Benefit from Rising Prices

19:21 Analyzing the Losers: Copper, Gold, and the AI Boom

22:50 Market Outlook: Is a Recovery on the Horizon?

24:45 Community Q&A and Final Thoughts

MOUTHY MONEY

Our substack https://mouthymoney.substack.com/

Get in touch ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251

This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more.

Most people treat their pension as a passive "set and forget" savings account. They are wrong. In this episode, Edmund Greaves and Chris Tuite are joined by Clare Moffat, pension and tax expert at Royal London, to dismantle the myths that keep the UK "under-saved." 

We tackle why a staggering 25% of young workers misunderstand their own money and why the "default fund" might be the biggest hurdle to your future wealth.

• The Default Fund Trap: Why "safe" is actually risky for anyone under 50.

• The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth.

• The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57.

• The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance.

• The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost.

"Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance."

Resources & Links:

• Royal London Research: Pensions and Adequacy Report (via Oxford Economics).

• Mouthy Money: Visit our website for more no-nonsense financial guideshttps://mouthymoney.substack.com/

• Follow Edmund Greaves: https://www.linkedin.com/in/edmundgreaves/ 

MOUTHY MONEY

Get in touch ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

What’s inside this episode:

-The Default Fund Trap: Why "safe" is actually risky for anyone under 50.

-The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth.

-The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57.

-The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance.

-The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost.

"Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance."

Resources & Links:

• Royal London Research: Pensions and Adequacy Report (via Oxford Economics).

• Mouthy Money: Visit our website for more no-nonsense financial guideshttps://mouthymoney.substack.com/

• Follow Edmund Greaves: https://www.linkedin.com/in/edmundgreaves/ 

MOUTHY MONEY

Get in touch ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.