I’m delighted to welcome back Jacqueline Berry, a regular guest celebrated for her passion for making the UK's care system easier to navigate. 

Jacqueline is the founding director of My Care Consultant, a market-leader in helping people navigate the care system, and she is a fountain of knowledge in all things care related. in episode 40 she explained the fundamentals of the UK care system and returned in episode 154 to share tips on how to apply successfully for NHS Continuing Healthcare.

Well, she's back with exciting news about her latest venture, My Care Hub. Imagine having a guidebook for the labyrinth that is care support in the UK, a pioneering online one-stop shop for care advice – that's what Jacqueline's developed! And it's not just for those who need care themselves; My Care Hub will be a lifeline for the unsung everyday heroes out there, the millions of unpaid carers.

It’s also a wondered resource for my financial planner friends listening to better support your clients. We also chat about the Carer's Leave Act of 2023 – a big win for carers everywhere. So, grab your cuppa, settle in, and let's get into my conversation with Jacqueline.

USEFUL LINKS

My Care Consultant Website

Register to hear when My Care Hub is launched - My Care Hub (google.com)

Free guide to NHS Continuing Healthcare - sign up for newsletter.

Episode 40: Navigating the care system, with Jacqueline Berry

Episode 154: How to apply successfully fir NHS Continuing Healthcare

My Care Consultant on Facebook

Jacqueline Berry on LinkedIn

Jacqueline Berry on Twitter

Thanks for checking out my podcast - I’m Justin King, a Chartered Financial Planner and I specialise in helping people to retire successfully.

CONNECT WITH ME 

✔️ Subscribe to my YouTube Channel here ➡️ https://www.youtube.com/@TheRetirementCafe/?sub_confirmation=1

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

👉 Get my weekly newsletter: https://bit.ly/MFPNews

👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/

👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/

👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

Do you believe you can heal faster just by tricking your brain?

Could you lose weight with only a change of mindset? 


Could you think yourself into being younger? 


Can the power of your thoughts defy ageing?

In short, have you ever wondered if you could improve your health by harnessing the power of your mind?

When it comes to our health, too many of us feel trapped by a medical diagnosis, believing that it can only mean a static or worsening condition. Whether it is stiff knees, frayed nerves or failing eyesight, your mind can lead you to believe things will only get worse. But this week’s guest has proven through decades of scientific research that with practical steps you can take control of your mindset, by using your thoughts and perspective to help improve your wellbeing.

Award-winning social psychologist Professor Ellen Langer has been studying the connection between the mind and body for over 4 decades as an esteemed psychologist at Harvard. Known as the "mother of mindfulness”, she is the author of 13 books, including her most recent release Mindful Body - Thinking Our Way to Lasting Health, which will help you navigate a path to improved health and wellbeing.

We also explore the concept of risk as a personal phenomenon and its impact upon how we approach retirement planning.

USEFUL LINKS

Buy ‘The Mindful Body’ on Amazon: https://amzn.to/3Ncd8QU  Professor Langer’s website: https://www.ellenlanger.me/  Professor Langer on LinkedIn: https://www.linkedin.com/in/ellenjlanger/  Professor Langer on Twitter/X: https://twitter.com/ellenjl  Thanks for checking out my YouTube channel - I’m Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/@TheRetirementCafe/?sub_confirmation=1

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 

👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

Hello and welcome – today I have the pleasure of sharing a fascinating conversation I had with Professor Paul Dolan – who’s maybe better known as the Professor of Happiness. 

Paul is a behavioural scientist, advisor to the government and currently Professor of Behavioural Science at the London School of Economics and Political Science. He’s published 41 peer reviewed articles and been cited more than 32,000. Paul has certainly made the science of happiness his business. 

You may well have read one of his two best-selling books. The first is called ‘Happiness by Design’ and his most recently released book is called ‘Happy Ever After’, which is the focus of our conversation today.

We chat about all things related to happiness, not least how to make your retirement years as fulfilling as possible.

USEFUL LINKS

Register for Paul’s free course ‘Get Happier’- coming soon: https://pauldolan.co.uk/courses  Paul’s website: https://pauldolan.co.uk/ Paul on LinkedIn: https://www.linkedin.com/in/paul-dolan-a018691b/ Paul on Twitter/X: https://twitter.com/profpauldolan 

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 

📘 Download my first book for free, Ready, Steady, Retire:  https://wb198-89a1ad.pages.infusionsoft.net/  https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

📘 My new book The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, is out now!

Get ready for a format twist this week on the podcast as I switch roles from host to guest. I'm absolutely thrilled to introduce none other than the incredible Pete Matthew, a dear friend and fellow Chartered Financial Planner, who's taking the reins as my guest host.

Now, if the world of personal finance sets your heart racing, then Pete Matthew needs no introduction. He's the mastermind behind the ground-breaking Meaningful Money podcast, a powerhouse with over 500 episodes under its belt. What’s more his YouTube channel, also named Meaningful Money, boasts an astounding 86,000 subscribers, so you will likely recognise Pete’s face or voice from somewhere.

You may have heard me mention over the past couple of weeks that I’ve written a new book. It’s called The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, and it officially launches today! Race over to Amazon and order your copy pronto.

As the tables turn in this episode, Pete takes the lead and grills me about the journey that led to the creation of this book. We dive into the creative process, how this podcast was the inspiration, and I share how I hope this handbook will transform countless lives by paving the way to a truly meaningful retirement. Get ready, also, to discover the bedrock of my framework—the three pivotal levers of purpose, self-care, and planning. 

USEFUL LINKS

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

Find out more about The Retirement Café Handbook: https://www.theretirementcafe.co.uk/ 

Follow Pete Matthew: LinkedIn: https://www.linkedin.com/in/petematthew/ Twitter: https://twitter.com/PeteMatthew Meaningful Money YouTube channel: https://www.youtube.com/@MeaningfulMoney

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 

📘 Download my first book for free, Ready, Steady, Retire:  https://wb198-89a1ad.pages.infusionsoft.net/  https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

📘 The wait is finally over! My much-anticipated book, The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, is now available to pre-order on Amazon!

To explore some of the key themes I am bringing back to the podcast a true maestro of understanding human behaviour and the mind-bending world of advertising - none other than Rory Sutherland, the ingenious UK Vice Chairman of Ogilvy, a global advertising powerhouse that needs no introduction.

Hold onto your headphones, because Rory isn't just an advertising titan – he's a TED Talk sensation! Imagine captivating the minds of millions, as his thought-provoking talks have been devoured nearly 7 million times. 

In this episode Rory reveals his thoughts as a behavioural scientist on some of the themes I explore in the Handbook, by diving headfirst into the ocean of retirement fears including when to retire, mastering your financial reservoir, and the intricate art of downsizing.

Together, we'll explain how The Retirement Café Handbook asks the right questions and helps you craft a roadmap towards a triumphant retirement. 

USEFUL LINKS

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

Find out more about The Retirement Café Handbook: https://www.theretirementcafe.co.uk/ 

Connect with Rory: LinkedIn: https://www.linkedin.com/in/rorysutherland/ Twitter: https://twitter.com/rorysutherland Watch Rory’s TED talks: https://www.ted.com/speakers/rory_sutherland

Buy Rory’s book: 📘 Alchemy: The Magic of Original Thinking in a World of Mind-Numbing Conformity - https://amzn.to/3QyOM6s 

Thanks for checking out my YouTube channel - I’m Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 

📘 Download my first book for free, Ready, Steady, Retire:  https://wb198-89a1ad.pages.infusionsoft.net/  https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This video is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first! 

Pre-order my new book ‘The Retirement Café Handbook – Nine Accelerators for a Successful Retirement’: https://amzn.to/3Q686I8

In this week’s podcast, Dr Martin Hyde is making getting old sexy.

Martin is a renowned gerontologist. In our conversation we delve into what being a gerontologist actually means, and Martin debunks the misconception that studying older individuals is uninteresting or uninspiring. 

Martin has collaborated with researchers from around the globe, allowing him to explore the diverse experiences of aging in different countries and among various groups of people. His work has truly become an exciting area of research, keeping him continually curious and eager to learn more about the complexities of aging.

Remember, that getting old also impacts the young!  Martin highlights the importance of looking at your whole life course, so you plan for what it takes to be old and happy.

I hope our conversation will open your eyes to how the perception of getting old does not match reality.  

USEFUL LINKS

Connect with Martin: LinkedIn: https://www.linkedin.com/in/martin-hyde-5815ab42/ Twitter: https://twitter.com/HydeM1976  Reach Martin at Swansea University: https://www.swansea.ac.uk/staff/martin.hyde/ 

Thanks for checking out my YouTube channel - I’m Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 

📘 Download my book for free, Ready, Steady, Retire:  https://wb198-89a1ad.pages.infusionsoft.net/  https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This video is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first! 

James Elliott is a psychotherapist and resilience coach. Using his 14 years in the British Army’s Airborne Forces developing skills in resilience to empower people to tackle a variety of challenges, he works with people ranging from professional athletes to politicians.

In our conversation James provides insight into how a loss of identity – either as a soldier or as a CEO – can be the hardest thing to deal with when retiring. A sense of identity is crucial to help you manage the next stage of your life, even better if what you enjoy doing helps benefit your community.

In his book, Think Yourself Resilient: Harness Your Emotions. Build Your Confidence. Transform Your Life he breaks resilience down into different pillars, looking at confidence, identity, goals, relationships and physical health. By focusing on these elements we give ourselves the best chance to be resilient to life changes.

Listen to more of his fascinating story here.

USEFUL LINKS

To connect with James: https://www.linkedin.com/in/james-elliott-8360a41b5/  https://james-elliott.mykajabi.com/  https://www.instagram.com/jameselliottofficial/?hl=en 

James’s book is available to purchase here: https://www.amazon.co.uk/Think-Yourself-Resilient-Emotions-Confidence/dp/1804190535/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=&sr= 

CONNECT WITH ME Thanks for checking out my YouTube channel - I’m Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Download my book, Ready, Steady, Retire:  https://wb198-89a1ad.pages.infusionsoft.net/  https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews  👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/  👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/  👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

Reading is a huge passion of mine as I am really interested in the insight of others. I love to learn about people’s stories and their lives.  I’m driven to read due to a fascination of people’s journeys.

In this episode I am sharing with you my must reads for this summer, in my view these books are interesting, insightful and provide much food for thought – I hope you will agree!

I have also suggested some YouTube videos & podcasts, both are a valuable resource to me and provide access to some great minds and points for discussion.

So lay back on your sun lounger and enjoy working your way through my recommendations, and don’t forget to let me know what you think.  You can email me at [email protected] or use the links below to connect.

USEFUL LINKS

How They Succeeded Life Stories of Successful Men Told by Themselves, by Orison Swett Marden (98p on Kindle) https://amzn.to/46q0t50 

The Path of Least Resistance: Learning to Become the Creative Force in Your Own Life, by Robert Fritz (on Audible) - https://amzn.to/3Xu40uU 

A Man for All Markets: From Las Vegas to Wall Street, How I Beat the Dealer and the Market, written by Edward O. Thorp - https://amzn.to/3CRUEzJ 

Change Your Brain: Neuroscientist Dr. Andrew Huberman | Rich Roll Podcast, on YouTube: https://youtu.be/SwQhKFMxmDY 

Walter Isaacson Elon Musk Twitter Space FULL – Video on YouTube: https://youtu.be/-yhuiovST4A 

Steve Jobs: The Exclusive Biography, by Walter Isaacson - https://amzn.to/44j7V0x 

Leonardo Da Vinci, by Walter Isaacson - https://amzn.to/3Ny36sJ 

Practical Tax Planning For Property: Jargon-free advice for investors and developers, by Alan Pink - https://amzn.to/46qnswN

The Essays of Warren Buffett: Lessons for Corporate America, by Lawrence A Cunningham, Warren Buffet - https://amzn.to/3NUiuRy 

Podcast: The Diary of a CEO with Steven Bartlett, on Apple Podcasts - https://podcasts.apple.com/gb/podcast/the-diary-of-a-ceo-with-steven-bartlett/id1291423644 

CONNECT WITH ME

Thanks for checking out my YouTube channel - I’m Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Download my book, Ready, Steady, Retire:  https://wb198-89a1ad.pages.infusionsoft.net/  https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

As a highly regarded financial adviser and an industry expert with over 30 years’ experience, Billy Burrows first joined me in 2019 to chat about all things to do with annuities.   

Since we last spoke the annuity landscape has changed significantly and has become harder to beat as a solution for pension income.  So, I welcome Billy back to talk about the pros and cons of buying an annuity versus entering pension drawdown to help you decide the best way to provide an income in your retirement.

Billy believes that many people are unknowingly throwing income down the drain due to a lack of understanding. Intuitively people may think that drawdown is the “best thing since sliced bread”. But, in reality, and especially now that interest rates and bond yields have increased, an annuity is actually a very hard act to beat!

Listen here to find out why this is the case!

USEFUL LINKS Find out more about Billy: www.williamburrows.com Billy’s previous episodes on the podcast: Pension freedoms: https://www.theretirementcafe.co.uk/episodes/pension-freedoms Annuities: https://www.theretirementcafe.co.uk/episodes/william-burrows

CONNECT WITH ME Thanks for checking out my YouTube channel - I’m Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Download my book, Ready, Steady, Retire:  https://wb198-89a1ad.pages.infusionsoft.net/  https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

This is an information-packed episode!

Kurt is a Partner at Lester Aldridge solicitors based in their Bournemouth office and heads up the Tax, Trusts, Wills and Probate team. Kurt was my first ever podcast guest at the Retirement Café back in 2018 and this is his third appearance. Today we are exploring tax and estate planning and how you can plan ahead in your retirement.

In our conversation we chat about the challenge presented by delays at various Government departments and the steps you can take:

-Registering Lasting Powrs of Attorney with the Office of the Public Guardian

-Applications to the Court of Protection

-Managing with delays to Probate 

-Dealing with HMRC. 

We also explore Inheritance Tax Planning, the difference between owning your property in joint tenancy or as tenants in common, and how to protect yourself from unscrupulous estate planning companies. You’ll even hear how to create a ‘Dying Tidily’ log!

USEFUL LINKS

Get in contact with Kurt: https://www.lesteraldridge.com/our-people/kurt-lee-partner/ 

Kurt’s previous episodes on the podcast:

002 Avoiding Inheritance Tax traps: https://www.theretirementcafe.co.uk/episodes/kurt-lee

018 Make sure your estate qualifies for the Residence Nil Rate Band: https://www.theretirementcafe.co.uk/episodes/residence-nil-rate-band 

Search the Land Registry: https://landregistry.uk/title-documents 

CONNECT WITH ME

Thanks for checking out my YouTube channel - I’m Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Download my book, Ready, Steady, Retire: 

https://wb198-89a1ad.pages.infusionsoft.net/ 

https://www.theretirementcafe.co.uk/ 

👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP 

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first! 

Chatting to me today is Dr Ben Hicks, Research Fellow at Brighton and Sussex Medical School. I first met Ben 5 years ago and invited him to be on the panel of one of our first Retirement Café events. Back then he was working hard to change the perception that dementia is no longer a death sentence in his role as psychologist and researcher with Bournemouth University Dementia Institute.

Although dementia is one of the most common and serious conditions society faces today with more than 800,000 people affected in the UK, Ben believes that with the right research technology and care, dementia sufferers can live well with the disease for many years.

As Co-ordinator of the DETERMIND research programme, Ben explains how the project looks at why care for dementia patients is unequal and the impact this has upon people’s health, level of comfort and happiness. Ben also shares some of his research findings and what this could mean for the future of care.

USEFUL LINKS

Find out about the DETERMIND study: https://determind.org.uk/

Take part in the DETERMIND study: https://determind.org.uk/take-part/

Listen to Ben’s first podcast: 005 The Big D – Why Dementia is not a death sentence: 005 The Big D – Why Dementia is not a death sentence

Email us for a copy of Ben’s latest research findings.

✔️ Subscribe to my Channel here https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

🎙️ Subscribe to The Retirement Café Podcast here https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

CONNECT WITH ME

Thanks for checking out my YouTube channel - I’m Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Download my book, Ready, Steady, Retire: https://wb198-89a1ad.pages.infusionsoft.net/ https://www.theretirementcafe.co.uk/

👉 Get my weekly newsletter: https://bit.ly/MFPnews

👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/

👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/

👉 Twitter: https://twitter.com/JustinKingCFP

This video is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first!