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In this Money Moment, Alvar shares why the temptation of finding the best results can sometimes lead to a sub-optimal outcome. More funds to manage, more time researching.

Full Episode #109
https://www.buzzsprout.com/1010941/episodes/11154239-cheap-etf-investing-vanguard-invest-engine-cruise-hacking-financial-independence-uk-109

Referral Codes

Be sure to check out this Google Doc which has a whole host of referral codes.
https://docs.google.com/document/d/1UeZ9Lq6Tid8uFp2GqzjQEv9riNgTEsdnu4_sGp3O_mM/edit?tab=t.0#heading=h.l3zwfjlrqlns

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Financial negativity is everywhere, and it's so tempting for it to fester and develop in our financial lives. In today's episode, Joshua walks through key lessons learned in 2024, and how to develop these ideas further in 2025.

Referral Codes

Be sure to check out this Google Doc which has a whole host of referral codes.
https://docs.google.com/document/d/1UeZ9Lq6Tid8uFp2GqzjQEv9riNgTEsdnu4_sGp3O_mM/edit?tab=t.0#heading=h.l3zwfjlrqlns

Stop Using Filler Words: The Ultimate Guide For Leaders EBook
The cost is £7 for Podcast listeners when using the code 'moneyandcommunication'.

For your copy, email [email protected]
Payment can be sent here: https://wise.com/pay/me/joshuam48

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Crouched over a microphone just before going to bed, Joshua shares in this late-night episode how heating your home may be a bigger indicator of your financial mindset and psychology than you might imagine.

Referral Codes

Be sure to check out this Google Doc which has a whole host of referral codes.
https://docs.google.com/document/d/1UeZ9Lq6Tid8uFp2GqzjQEv9riNgTEsdnu4_sGp3O_mM/edit?tab=t.0#heading=h.l3zwfjlrqlns

Stop Using Filler Words: The Ultimate Guide For Leaders EBook
The cost is £7 for Podcast listeners when using the code 'moneyandcommunication'.

For your copy, email [email protected]
Payment can be sent here: https://wise.com/pay/me/joshuam48

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Marta moved to the UK in 2013 and has since set up her own cleaning business. In this episode, you can expect to be inspired by her work ethic and business acumen, as well as hear about the challenges of scaling a cleaning business and finding reliable workers.

Referral Codes

Be sure to check out this Google Doc which has a whole host of referral codes.

Stop Using Filler Words: The Ultimate Guide For Leaders EBook
The cost is £7 for Podcast listeners when using the code 'moneyandcommunication'.

For your copy, email [email protected]
Payment can be sent here: https://wise.com/pay/me/joshuam48

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Joshua retells some recent stories from his life, covering topics on frugality, when is too frugal too frugal, and how sometimes you need to learn to splurge a little bit.

Stop Using Filler Words: The Ultimate Guide For Leaders EBook
The cost is £7 for Podcast listeners when using the code 'moneyandcommunication'.

For your copy, email [email protected]
Payment can be sent here: https://wise.com/pay/me/joshuam48

Referral Codes

Be sure to check out this Google Doc which has a whole host of referral codes.

4o

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Born in Tower Hamlets, Emmanuel Asuquo went from washing cars to a career in London’s financial district. Seeing a lack of financial education, he began sharing clear, transparent money advice online. Featured on BBC, Channel 4, and with 50k+ Instagram followers, Emmanuel uses this podcast to break down budgeting, investing, and wealth-building for listeners looking to take control of their finances.

Stop Using Filler Words: The Ultimate Guide For Leaders EBook
The cost is £7 for Podcast listeners when using the code 'moneyandcommunication'.

For your copy, email [email protected]
Payment can be sent here: https://wise.com/pay/me/joshuam48

Referral Codes

Be sure to check out this Google Doc which has a whole host of referral codes.

Emmanuel Asuquo
https://emmanuelasuquo.com/
https://www.instagram.com/theemaneffectuk/?hl=en

Book - Ultime Guide to Money
https://www.amazon.co.uk/Ultimate-Guide-Money-mission-pocket-ebook/dp/B0C45FVDGP?ref_=ast_author_dp

https://www.waterstones.com/book/get-your-money-right/emmanuel-asuquo/9780008584405

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After a discussion with his partner on holiday, Tim had a sudden realisation that his current job would hinder his long-term financial goals, including starting a family. After 14 years of feeling complacent in his role, he recognised that his current salary and stagnant career growth would limit his future earning potential, retirement planning, and ability to build generational wealth. Tim accepted a new job offer from a friend, positioning himself for better income opportunities. 

Referral Codes

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Public Speaking Training

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We welcome back Dafydd to the podcast, where he shares the one holiday hack that has allowed him to travel around the world on a shoestring budget. In this episode, you can expect holiday hacks, entertaining stories, and practical information on how to get started if you're looking to save money on your holidays.

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Homexchange.com
https://www.homeexchange.com/?sponsorkey=joshua-dfab0

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Public Speaking Training

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Dafydd Morse

https://podcasts.apple.com/gb/podcast/life-to-the-full/id1534223587
https://www.dafyddmorse.com/
https://www.instagram.com/dafyddmorse/

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On the hunt for the perfect house? Well, don't expect to find it. However, what you can find is something that will tick some of your boxes and allow you to live comfortably. In this lesson, we talk about how the Lifetime ISA scheme can help grow your deposit and how avoiding over-leveraging your debt can help you maintain a financially cool mindset.

Referral Codes

Be sure to check out this Google Doc which has a whole host of referral codes.

Public Speaking Training

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Meet Sara, a university graduate hungry to keep learning and developing her transferable skills. In this area, we'll talk about the importance of continuing to learn beyond university and how that can play out in your personal finance life.

Referral Codes

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Public Speaking Training

Email Joshua [email protected]

Connect with Sara Edwards:

• LinkedIn
• Medium
• X (formerly Twitter)
• Email Sara ([email protected])

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