- 17 minutes 46 secondsMoney Vault - New Pension & IHT rules explained
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.
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16 September 2026, 1:30 am - 43 minutes 55 secondsEp 563 - The optimum investment portfolio & the start of Project 60
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.
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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.
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13 September 2026, 1:30 am - 9 minutes 39 secondsMoney Vault - The link between money and sleep
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:
- Sign up to our weekly newsletter
- Please consider sponsoring MTTM listener Ben who is raising money for the Alzheimer's Society
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9 September 2026, 1:30 am - 30 minutes 25 secondsEp 562 - Why rising bond yields matter & are plug-in solar panels worth it
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.
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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.
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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.
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6 September 2026, 1:30 am - 21 minutes 50 secondsMoney Vault - Why you need to build a black book
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 combine two classic episodes to explain the concept of the "Black Book" - a vital document containing all your essential financial information for your partner or next of kin.
We then welcome long-time listener Ben Molyneux, who shares his personal experience of creating a Black Book and the unexpected benefits it brought to his relationship.
You can sponsor 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:
- Sign up to our weekly newsletter
- Please consider sponsoring Ben who is raising money for the Alzheimer's Society
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2 September 2026, 1:30 am - 34 minutes 18 secondsEp 561 - The pension transfer rush & the outlook for energy prices
In this week's episode, Damien discusses why an increasing number of people are rushing to consolidate their pensions ahead of the April 2027 rule change, which will make unused pension pots liable to inheritance tax. He explains when this could be a bad idea and reveals how long each pension provider takes to transfer a pension, including who takes the longest.
Finally, Damien and Andy discuss how the energy price cap hike that's coming in October could be dwarfed by an even bigger hike in January, and what you should do about it.
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New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 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:
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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30 August 2026, 1:30 am - 12 minutes 44 secondsMoney Vault - Pension Transfer Tips
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 505 from May 2025 where I provide some tips for those considering transferring and/or consolidating their pension pots.
I summarise the key pros and cons of pension transfers, explain how in-specie transfers work, how to avoid common pension scams and when to seek independent financial advice.
Check out our featured article: Best Pension Transfer Offers
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
- Best Pension Transfer Cashback Offers
- Best Pension in the UK
- How to find a financial adviser you can trust
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26 August 2026, 1:30 am - 28 minutes 54 secondsEp 560 - Should you still invest at all-time highs & how saving £5 could change your life
In this week's episode, Damien explores whether investors should be fearful when stock markets reach all-time highs. He looks back at historical data and research to reveal what typically happens after markets hit a record high.
Next, he discusses the psychological power of making small, seemingly insignificant changes to your finances and how it can dramatically transform your life.
[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 31st August 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:
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
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23 August 2026, 1:30 am - 14 minutes 22 secondsMoney Vault - When 'good enough' is better than 'perfect'
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 303 from January 2021, which explores why a "good enough" financial plan is often better than a perfect one. Drawing on concepts from Morgan Housel’s book The Psychology of Money, Damien explores the vital difference between making strictly rational decisions and making reasonable ones that actually work for you in the real world.
While the mathematics of personal finance might suggest one specific course of action, human emotions often dictate another. Damien explains how aiming for absolute financial perfection can sometimes lead to stress and failure, and we share practical examples where choosing the reasonable, emotionally comfortable path can significantly increase your chances of long-term success.
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.
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19 August 2026, 1:30 am - 40 minutes 13 secondsEp 559 - Beginner's guide to buying an Electric Vehicle
In this week's episode, Justin discusses the financial realities of transitioning to an electric vehicle (EV). He covers the practicalities of buying a second-hand EV, addresses common concerns regarding battery health and explains the logistics and costs of charging an EV, both on the road and at home.
[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 31st August 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:
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:
16 August 2026, 1:30 am - 15 minutes 47 secondsMoney Vault - Personal finance numbers everyone should know
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
This week, Damien takes a look back at episode 417, where he discusses the essential personal finance numbers that can help people maintain control over their financial well-being.
From mortgage rates and emergency cash buffers to understanding your exact net pay and retirement targets, keeping track of these key figures can act as an emergency plan for your money.
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
- PAYE Calculator
- Money to the Masses guide on budgeting
- Best budgeting apps
- State Pension Age Calculator
- MTTM Investment Calculator
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12 August 2026, 1:30 am - More Episodes? Get the App
