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The Money To The Masses Podcast
Based on Podcast App listening data
The Money To The Masses Podcast episodes
- Money Vault - Fund switch checklist
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
On this week's episode, Damien shares the last-minute checks you should make before switching your investment funds. Switching funds can seem straightforward, but hidden charges, differing share classes, and specific platform rules can easily catch you off guard.
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:
- Sign up to our weekly newsletter
- Take out a trial of 80 20 investor
- Trustnet
- Best and Cheapest Fund Platform
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
17 min - Money Vault - Investor biases to avoid
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
On this week's episode, Damien revisits a classic episode from February 2025 on investor behavioural biases. He explores how human nature often leads to irrational financial decisions and examine seven common psychological traps, including loss aversion, confirmation bias, and the emerging fear of being wrong.
He also provides practical strategies to mitigate their impact, from using stop-loss orders to documenting your investment decisions, helping you develop a more objective, systematic, and successful approach to managing your 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:
- Sign up to the weekly newsletter
- Take out a trial of 80 20 investor
- Can you solve this (YouTube video)
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
19 min - Ep 550 - Get 4% cashback on your current account & the best investing apps in the UK
In this week's episode, Damien takes a look at the latest banking offers, revealing the ways you can get paid for carrying out your everyday banking. He explores the best current accounts for cashback with rates boosted up to 4%. He also looks at the best bank account switching deals before rounding up the best cashback credit cards on the market.
Finally, he provides a summary of the best investing apps available in the UK, breaking them down by investor type. He outlines the key features, investment options and costs.
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:
- Sign up to our weekly newsletter
- Best UK current accounts for cashback
- Best cashback credit cards in the UK
- Best bank account switching offers
- Best performing Stocks and Shares ISA
- Best investment apps in the UK
28 min - Money Vault - Alternative to the 4% rule
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
On this week's episode, Damien explores the well-known 4% rule for retirement withdrawals and explains why relying on it during periods of market volatility could put your pension at risk.
He then reveals an alternative approach highlighted by Vanguard known as 'dynamic spending'. By applying a ceiling and a floor to your annual withdrawals, you can preserve capital during downturns while still enjoying a higher income when your investments perform well. He also shares some free tools to help you model your own retirement scenarios and ensure your money lasts.
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:
- Sign up to the weekly newsletter
- Take out a trial of 80 20 investor
- Vanguard White Paper on Dynamic Spending
- fiCalc.app - Retirement withdrawal calculator
- MTTM Podcast Episode 210 - Debunking the 4% rule
- Watch on YouTube - Alternative to the 4% rule
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
19 min - Ep 549 - The money insights you missed
In this week’s episode, Damien and Andy are doing something a little different by sharing and expanding on the timely, bite-sized financial updates they regularly post across our social media platforms.
Much of the fast-moving news we cover on our Instagram, TikTok, and YouTube channels, such as the latest government announcements and real-time energy cap updates, do not make it onto the podcast. This episode highlights the valuable, actionable insights you might be missing out on if you don't follow Money to the Masses on our social media channels.
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:
- Sign up to our weekly newsletter
- Cheapest fixed price energy deals
26 min - Money Vault - The difference between the Poor and the Rich
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
On this week's episode, Damien highlights the inequality that exists between people on low incomes and those that are wealthy. He explains how the game is rigged in favour of those with high incomes, in terms of access to specialist advice, financial products, and even utilities. He highlights the key points from the popular book "Rich Dad, Poor Dad" and finishes with a thought-provoking analogy of how both low and high earners are treated after they have been paid.
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:
- Sign up to our weekly newsletter
- MTTM Podcast Episode 355 - The difference between the poor and the rich
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
51 min - Ep 548 - Optimal pension portfolios & latest property market update
In this week's episode, Damien discusses new research on the 4% pension withdrawal rule, exploring sustainable retirement income rates and the optimal asset allocation between equities and bonds.
Andy then examines the latest property market data, highlighting the growing regional divide in UK house prices and what the current market conditions mean for both buyers and sellers. Finally, he looks at the latest rental sector data and what it means for renters and landlords.
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:
- Sign up to our weekly newsletter
- MTTM Podcast Episode 517 - The 4% rule and inheritance tax changes
- MTTM Podcast Episode 210 - Debunking the 4% rule
- Morningstar research table summary on safe withdrawal rates
- UK Residential Survey April 2026
- UK house prices rise 1.2% in MAy but Rightmove warns against overpricing
- Details on the new Renters' Rights Act rules
23 min - Money Vault - Stocks ignore bond market warning
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
In this episode, Damien revisits a classic from November 2021, where he explains the correlation between bonds and equities. He then brings it back to the present day, explaining the current financial landscape, highlighting a concerning disconnect between soaring stock markets - driven largely by AI enthusiasm - and falling bond markets.
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:
- Sign up to our weekly newsletter
- MTTM Podcast Episode 346 - The correlation between bonds and equities (Full Episode)
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
18 min - Ep 547 - New forms of financial advice and mastering the energy cycle
In this week's episode, Damien discusses the evolving landscape of financial advice, from the introduction of "targeted support" to the rise of simplified advice. Damien also explains the key differences between full and restricted advice and how the new advice categories aim to close the UK's advice gap.
Finally, Andy looks at the energy payment cycle, explaining how to calculate a safe credit buffer, when to reclaim overpaid funds from your supplier as well as your legal rights.
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:
- Sign up to our weekly newsletter
- Take out a free trial of 80-20 investor
- Get financial advice from Vouchedfor*
- MoneyHelper
32 min - Money Vault - How to achieve financial independence
Welcome to the Money Vault, our new midweek show where we revisit classic, evergreen episodes from the Money to the Masses archives.
In this episode, Damien revisits a classic from July 2021, offering a comprehensive, step-by-step guide to achieving financial freedom. He talks about budgeting, debt management, building an emergency fund, and emphasises the importance of a long-term investing strategy.
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:
- Sign up to our weekly newsletter
- MTTM Podcast Episode 327 - How to achieve financial independence (Full Episode)
- Best Budgeting Apps
- Entitledto (Benefits Calculator)
- Damien's Money MOT Tool
- StepChange Debt Charity
- Dave Ramsey's 7 Baby Steps
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
12 min
About The Money To The Masses Podcast
From the publisher's feed
Join Damien and Andy as they break down personal finance topics including investing, saving, budgeting and more, giving you the tools and knowledge to achieve your financial goals
Each week, they cover three topics, cutting through unnecessary financial jargon, providing practical tips and actionable advice to help you make the most of your money.
To provide feedback or ideas for future shows, contact: [email protected] or visit https://moneytothemasses.com
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