The Finance Geeks Podcast

Step into the ring with Paul and Warren as they grapple with the heavyweight challenge of retirement planning. In this episode, our financial tag team breaks down the moves you need to pin down your retirement strategy.

From the early-game tactics of auto-enrolment and salary exchange to the high-flying maneuvers of carry forward contributions, they’ll show you how to stay on the offense and avoid being counted out by tax inefficiencies.

The Geeks put retirement income goals into a sleeper hold, asking the big question: “How much is enough?”. They also emphasize the importance of tag-teaming with your spouse to maximize retirement savings.

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Chapters: 0:00 - Intro

9:14 - Wresting Retirement Planning

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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Podcast References:

Odyssey St Albans

https://odysseypictures.co.uk/OdysseyPictures.dll/Home

Standards of living stats

https://www.retirementlivingstandards.org.uk/

Folio Society - Beautifully Illustrated Hardcover Books

https://www.foliosociety.com/uk

Ideal financial set up link

https://tandemfp.sharepoint.com/:b:/s/Tandem/EbLD21U3O3xEljQoSxXzdqEBsA2kk1QQJ4BwTybwulXppQ?e=SWpvqq

How much will you need in retirement

https://www.moneyhelper.org.uk/content/dam/maps/en/pensions/moneyhelper-retirement-budgeting-leaflet.pdf

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

#FinancialRumble #RetirementSmackdown #RetirementPlanning #FinancialAdvisors #PensionStrategy #TaxEfficiency #WrestlingWithRetirement #FinancialPlanners #WealthManagement #ClientSuccess #FinancialFreedom #SmartInvesting #TaxStrategies #FinanceForAdvisors #TagTeamFinance #PlanForRetirement #AdvisorInsights #ProfessionalFinance #RetirementGoals #MoneyManagement #FinancialGeekery #thefinancegeeks

In this episode of The Finance Geeks, Paul Cleworth and Warren Shute dig into the aftermath of the UK’s Autumn Budget, one of the biggest tax-raising budgets since 1993. With the government targeting £40 billion in taxes, they break down the key changes, including rises in employer National Insurance, adjustments to Capital Gains Tax, and a boost in the minimum wage.

They highlight the government’s 180-degree shift on tax policy, increasing taxes despite prior promises, and share insights on how these adjustments will impact businesses, investors, and homeowners alike.

Paul and Warren share advice for proactive planning in response to these changes, guiding listeners on how to stay ahead in this evolving financial landscape and keep the financial scales tipped in their favour.

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Chapters: 0:00 - Intro

4:59 - The Budget Fallout

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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Podcast References:

The Budget - Autumn Budget 2024 – HC 295

https://assets.publishing.service.gov.uk/media/672232d010b0d582ee8c4905/Autumn_Budget_2024__web_accessible_.pdf

AUTUMN-STATEMENT – Tandem Budget Guide

https://tandemfinancial.co.uk/wp-content/uploads/2024/10/AUTUMN-STATEMENT-24_spreads.pdf

Chancellor Rachel Reeves admits she was 'wrong' to say higher taxes not needed during election | Sky News

https://news.sky.com/story/chancellor-rachel-reeves-admits-she-was-wrong-to-say-higher-taxes-not-needed-during-election-13247364

Republicans win Senate majority | AP News

https://apnews.com/live/senate-house-election-updates-11-5-2024

Autumn Budget 2024: Pensions to be subject to inheritance tax

https://www.moneysavingexpert.com/news/2024/10/pensions-liable-inheritance-tax-2027/

Pensions face “double tax” due to inheritance tax change - what are your options? | MoneyWeek

https://moneyweek.com/personal-finance/pensions/pensions-face-double-tax-due-to-inheritance-tax-change-options

Laffer curve - Wikipedia

https://en.wikipedia.org/wiki/Laffer_curve

Autumn Budget 2024: what do the experts say about the major changes? | Unbiased

https://www.unbiased.co.uk/news/personal-finance/autumn-budget-2024-what-do-the-experts-say-about-the-major-changes

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

In this episode of The Finance Geeks, Paul Cleworth and Warren Shute bring you on a journey through the unpredictable world of bull and bear markets.

Just like wrangling powerful forces in the wild, navigating market shifts requires skill, patience, and a clear strategy. Paul and Warren dive into what makes a market “bullish” or “bearish” and explore why these cycles occur, emphasizing the importance of staying calm and focused even in turbulent times.

They share insights on recent trends in major market indices, the dynamics of growth and value stocks, and why bull markets have historically lasted longer than bear markets.

Whether you’re an investing newcomer or a seasoned market watcher, Paul and Warren’s expert perspectives will help you stay balanced and resilient through all of the market’s twists and turns.

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Chapters: 0:00 - Intro

4:56 - The Focal Point: Bulls & Bears

37:53 - Quotes & Anecdotes

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

After a summer break full of travels and downtime, Paul and Warren are back with The Finance Geeks! In this episode, they get straight to business, tackling the upcoming UK Budget on October 30th. The Geeks discuss the potential tax changes on the horizon and how they could affect everything from pensions to capital gains. Whether it's Capital Gains Tax (CGT), Inheritance Tax (IHT), or possible tweaks to pensions, Paul and Warren offer their expert insights on what might be coming your way—and how a good adviser can help you save. Tune in to find out what’s in store for your finances this autumn!

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Chapters:

0:00 - Intro

4:04 - The Focal Point: The Autumn Budget - What's Coming

31:49 - Quotes & Anecdotes

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

In this episode, financial experts Warren Shute and Paul Cleworth share their experiences and practical tips to help you equip your kids with the skills to navigate the financial ups and downs of life with confidence.

Discover why financial literacy is a must-have superpower for your kids, and learn how to teach them to navigate the financial ups and downs like pros. Warren and Paul will share age-appropriate strategies and systems that make money management a fun and engaging part of growing up.

From swinging into positive money habits to balancing on the financial seesaw, this episode is packed with practical tips and geeky insights. Learn how to use allowances as teaching tools and transform the sandbox of savings into a place of empowerment.

Tune in and transform your child's financial playground into a space of confidence and future success. Get ready to geek out on money and help your kids conquer the financial playground with flying colours!

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Chapters:

0:00 - Intro

8:12 - The Focal Point: Raising Money Smart Kids

47:17 - Quotes & Anecdotes

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Podcast Reference Links:

HyperJar | Free Money Management App & Card

https://hyperjar.com/

Go Henry - Teaching Kids & Teens Money Skills For Life

https://www.gohenry.com/uk/

Rooster money - NatWest Rooster Money | Kids' Prepaid Debit Card and Pocket Money App

https://roostermoney.com/

Nimbl - Mastercard

https://nimbl.com/

Morgan Housel - The best financial advice I know (what I want my kids to learn)

https://open.spotify.com/episode/13uqPBWgAyT4VHRZEfMfXH?si=f6e8cdd7595143fd

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Follow us our our social media channels:

Instagram:

https://www.instagram.com/thefinancegeekspodcast/

X:

https://twitter.com/TheFinanceGeeks

YouTube:

https://www.youtube.com/@thefinancegeeks

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

#pocketmoney #kidsfinance #thefinancegeeks #moneymanagementforkids #moneysmartkids #teachingkidsfinance #youthfinancialeducation #youthfinance #kidsfinancetips

This episode tackles the ultimate two-player challenge: Love and Money! We're delving into the pixelated world of couples' finances, guiding you through your financial journey together. We'll decode the secrets of managing your money together, dodge hidden traps of financial infidelity, and explore how different spending habits can affect your relationship and how to manage them.

Level up your relationship with our essential strategies. This includes planning a romantic "financial date night" to discuss budgets and goals; establishing clear spending boundaries to avoid any surprises down the road; and learning how to manage your bank accounts together without causing financial strain on your relationship.

Join us in this episode to learn how to turn your financial woes into a victory dance for your relationship!

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Chapters: 0:00 - Intro

7:29 - The Focal Point: Relationships & Money

42:14 - Quotes & Anecdotes

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

==========================

This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

#CouplesFinance #MoneyTalksLoveListens #LoveAndMoney #DateNightIdeas #FinancialPlanning #CoupleFinancialPlanning #GrowingTogether #FinancialInfidelity #TheFinanceGeeks #FinancialEducation #FinancialSuccess

Join finance gurus Paul and Warren on a journey to financial nirvana! This episode tackles the essential question: what truly defines your financial wellbeing? The Finance Geeks unpack the key aspects that could help you to achieve financial peace of mind.

They'll discuss the core pillars of what financial freedom means, from getting organized and budgeting effectively to managing debt, saving for the future, and building resilience. Learn how to cultivate the right financial mindset and unlock the door to financial wellness and a life of balanced abundance.

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Chapters:

0:00 - Intro

7:47 - The Focal Point: Financial Wellbeing

48:48 - Quotes & Anecdotes

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

#financialfreedom #financialwellbeing #financialwellness #financialnirvana #debtfreejourney #thefinancegeeks #warrenshute #paulcleworth

Saddle up, partners, for "The Showdown at the Retirement Corral". How do you wrangle in that perfect nest egg for your golden years? We'll be bustin' broncs of confusion surrounding property and pension investments.

On one side of the corral, we've got the familiar ranch hand, Property. It's a tangible critter, offering that steady stream of rental income and the potential for growth over time. Now, mosey on over to the other side of the corral, where the Pension stands guard. This fella offers some mighty attractive tax benefits and employer contributions.

Warren and Paul will be your trusty guides on this financial trail ride, providin' the information you need to make an informed decision and ride off into a happy retirement!

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Chapters: 0:00 - Intro

5:05 - The Focal Point: Property vs Pensions

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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Podcast References:

Clarkson's Farm Season 3

https://www.amazon.co.uk/Clarksons-Farm-Season-3/dp/B0CWTYDKJ7

Duke of Edinburgh Awards

https://www.dofe.org/

Property vs Pension - Frazer James

https://frazerjames.co.uk/property-vs-pension/

Pension Or Property Which Is The Better Investment - Unbiased

https://www.unbiased.co.uk/discover/pensions-retirement/starting-a-pension/pension-or-property-which-is-the-better-investment

Property or pension — which is the better investment? TEBI (evidenceinvestor.com)

https://www.evidenceinvestor.com/property-or-pension-which-is-the-better-investment/

Property or pension in retirement? Maybe blending is the answer (netwealth.com)

https://www.netwealth.com/ourviews/property-or-pension-in-retirement-maybe-blending-is-the-answer/

Pension protection - Check your money is protected - FSCS

https://www.fscs.org.uk/what-we-cover/pensions/

Tandem Talks: How are your monies protected on the platform? – Tandem Financial

https://tandemfinancial.co.uk/tandem-talks/tandem-talks-how-are-your-monies-protected-on-the-platform/

The Age of Humans: Evolutionary Perspectives on the Anthropocene

https://humanorigins.si.edu/research/age-humans-evolutionary-perspectives-anthropocene

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

#retirementplanning #propertyinvestinguk #investingstrategies #pensionplanning #financialfreedom #goldenyears #pensionposse #propertyprospectors #financiallasso #greatretirementshowdown #propertyorpension

In this episode of "The Finance Geeks," get ready to embark on an epic quest as Paul unveils his twelve golden rules of investing. Each rule is a powerful tool in your arsenal, meticulously honed to guide you through the treacherous dungeons of financial decision-making. But fear not, fellow adventurers, for no quest through the realm of The Finance Geeks is complete without the sage wisdom of Warren, who will be deciphering Paul's Nerdy Nuggets with his own unique insights.

Join us as we delve into the depths of financial strategy, navigating through the twists and turns of investment success like seasoned adventurers in search of legendary loot. What secrets lie within Paul's twelve rules, and how many will gain the esteemed nod of Warren? Prepare your potions and sharpen your swords as we embark on this thrilling journey through the realm of investment geekery, and discover these fabled 12 golden rules.

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

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Podcast Reference Links:

The Royal Albert Hall

https://www.royalalberthall.com/tickets/events/2024/film-music-gala-3/

Miles Karting IG Account

https://www.instagram.com/milesaheadmotorsport

Who are Vanguard

https://www.vanguard.co.uk/professional/about-vanguard

How many Humans have ever lived?

https://www.visualcapitalist.com/cp/how-many-humans-have-ever-lived/

Tandems 12 Golden Rules of Investing https://tandemfp.sharepoint.com/sites/Tandem/Documents/Forms/AllItems.aspx?id=%2Fsites%2FTandem%2FDocuments%2FTandem%20Team%20Folder%2FCreative%20Adviser%2F41%2E%20Podcast%20notes%2F12%20Golden%20Rules%2Epdf&parent=%2Fsites%2FTandem%2FDocuments%2FTandem%20Team%20Folder%2FCreative%20Adviser%2F41%2E%20Podcast%20notes&p=true&ga=1

4000 Weeks (book) by Oliver Burkman

https://amzn.eu/d/gQIT8Ol

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#goldenrules #goldenrulesforsuccess #investing101 #investingstrategies #investingeducation #thefinancegeeks #financialplanning #rulesofwealth #rulesofinvesting

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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

A financial heuristic is a mental shortcut you use to make financial decisions quickly and easily. These are also known as financial rules of thumb, and can guide your financial choices without requiring extensive analysis and avoiding information overload. In this episode of The Finance Geeks, we're putting these financial rules of thumb under the microscope.

We'll explore popular rules like the 50/30/20 Rule (50% Needs, 30% wants, 20% invest), the Rule of 72 (calculating investment doubling time), the 100-minus-your-age asset allocation strategy and the Pareto Principle (80/20 Rule), plus many more, revealing their strengths and limitations.

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Chapters:

0:00 - Intro

8:33 - Hot Off The Press

18:40 - The Focal Point: Financial Rules of Thumb

44:07 - Two Pennies Worth

49:56 - Quotes & Anecdotes

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Follow us our our social media channels:

Instagram: https://www.instagram.com/thefinancegeekspodcast/

X: https://twitter.com/TheFinanceGeeks

YouTube: https://www.youtube.com/@thefinancegeeks

==========================

Podcast Reference Links:

Everything you need to know about St George

https://www.english-heritage.org.uk/visit/inspire-me/everything-you-need-to-know-about-st-george-and-the-farleigh-hungerford-mural/

9 things you didn't know about St George

https://www.english-heritage.org.uk/visit/whats-on/st-georges-day/9-things-you-didnt-know-about-st-george/

Bitcoin Halving Event Of 2024: The Aftermat

https://www.forbes.com/uk/advisor/investing/cryptocurrency/bitcoin-halving-event-2024/

Bitcoin Will Pass $250K, Central Banks Will Jump In Before Next Halving

https://www.ibtimes.com/bitcoin-will-pass-250k-central-banks-will-jump-before-next-halving-bitwise-cio-3730541

Gold prices hit an all-time high

https://www.cnbc.com/2024/04/01/gold-prices-hit-all-time-high-what-to-know-before-investing.html

FTSE and why it is going up

https://news.sky.com/story/ftse-100-record-highs-do-not-reflect-a-recovery-for-uk-plc-heres-why-13121695

The Rule of 72: Definition, Usefulness, and How to Use It

https://www.investopedia.com/terms/r/ruleof72.asp

Budget Planning Guide

https://tandemfinancial.co.uk/wp-content/uploads/2022/05/Budget_Planning_Factsheet.pdf

The 10/10/10 Rule For Tough Decisions

https://www.fastcompany.com/3007613/10-10-10-rule-tough-decisions

Handy Money Rules of Thumb

https://www.nerdwallet.com/article/credit-cards/handy-money-rules-of-thumb-for-a-quick-financial-checkup

Financial Rules of Thumb

https://www.getrichslowly.org/financial-rules-of-thumb/

Pareto Principle (80:20 Rule)

https://en.wikipedia.org/wiki/Pareto_principle

The Obstacle is the Way (Book)

https://tandemfinancial.co.uk/book-reviews/the-obstacle-is-the-way/

The Money Plan (Book)

https://amzn.eu/d/6wwGjOe

City Mapper (App)

https://citymapper.com/?lang=en

Red Eye (Film)

https://www.itv.com/watch/red-eye/10a4437