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On this week’s episode, Damien shares ten of his favourite money insights, which he has recently shared on Threads & X. Andy and Damien discuss the psychology behind their financial decisions, why spending isn't the same as wealth, and how small changes to the way you think about money can improve your finances.
Finally, Damien and Andy reveal the 15 most expensive household electrical appliances to run, based on the latest energy price cap, including some surprising results that could help you cut your electricity bills.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
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Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this episode of The Money Vault, Damien and Andy revisit episode 424 from July 2023 where Damien explains how you can make better financial decisions by focusing on the evaluation process rather than just the final outcome.
Drawing on the famous "Six Thinking Hats" concept created by Edward de Bono, Damien explains how viewing a complex money problem from six distinct perspectives can help you reach a more balanced, informed conclusion.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
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Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this episode of The Money Vault, Damien and Andy revisit a 2019 episode where Damien explains how to make better financial decisions by focusing on the process rather than the outcome.
He explains the psychological concept of 'outcome bias' and how judging a decision solely by its result can lead to loss aversion and poor investment choices. Using clear examples, he shows why a robust, objective process is essential for long-term financial success, even amid short-term market uncertainty.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
Follow Money to the Masses on social media:
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Tik Tok - https://www.tiktok.com/@moneytothemasses
On this week’s episode, Damien takes Andy through a financial personality test to uncover his 'money script'. He discusses the four main types of money beliefs, how they influence your financial behaviour, and the practical steps you can take to manage them.
Finally, he explains how current interest rate expectations make it the perfect time to build a cash savings ladder and how you can use the strategy to boost the interest you earn on your savings without locking all your money away long term.
[AD] Thank you to our sponsor, Interactive Investor
New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this episode of The Money Vault, Damien revisits Episode 271 from 2020 where he takes a look at the investing lessons you can learn from Billionaire investor Warren Buffett.
He also provides an update on Berkshire Hathaway's latest portfolio shifts, including its substantial holdings in Apple and Alphabet. It demonstrates how even the most successful investors must acknowledge mistakes, adapt to market changes, and trust a repeatable process to preserve and grow wealth.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
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Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Andy and Damien explore the world of sports and trading cards. They discuss the current boom, how it works, the money involved and the tax implications if you trade them. Andy also gives viewers a peek at his own collection.
Finally, Damien explains how the market has raised the number of rate hikes it believes the Bank of England will make and the impact this is having on mortgage rates.
[AD] Thank you to our sponsor, Interactive Investor
New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this episode of The Money Vault, we revisit Episode 509 from June 2025 where we discussed the changes to how defined contribution pensions are treated for inheritance tax.
Now that the Finance Act 2026 has confirmed the rules, I explore practical financial planning strategies to consider ahead of the 2027 implementation date, including why you should consider speaking to an independent financial adviser.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, I reveal the optimum medium-risk investment portfolio according to Efficient Frontier analysis. I break down exactly which assets make the cut (and which don't), plus how this ideal mix has shifted over the last two years.
Finally, I explain the theory and execution behind "Project 60"- my personal plan to travel the world at age 60.
[AD] Thank you to our sponsor, Interactive Investor
New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this episode of The Money Vault, Damien explores the connection between your financial habits and your physical well-being. He discusses a ten-year study from Bristol University which reveals that saving even a small amount regularly can dramatically improve your sleep, reduce anxiety, and boost overall life satisfaction.
Don't forget, you can still sponsor MTTM listener Ben here - Ben Molyneux (Alzheimer's Society)
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien explains why government bond yields are surging globally, why it matters to everyone and how it will impact your finances.
Andy then discusses the legalisation of plug-in solar panels, the pros and cons and whether they are worth it.
[AD] Thank you to our sponsor, Interactive Investor
New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
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