In this week's podcast, Damien explains what's going on in bond markets and how rising bond yields could impact your personal finances, including mortgage rates and pension funds. Next, Damien explains how those aged 30, 40 or even 50 with no pension savings, can still build a retirement income equivalent to £37,500 a year (the average UK salary), by saving as little as £100 per month. Finally, with the self-assessment deadline approaching, Andy provides a simple checklist of scenarios that dictate whether a self-assessment tax return is necessary.

Watch the whole show on YouTube ⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠:

Check out this week's ⁠⁠⁠⁠⁠podcast article ⁠⁠⁠⁠⁠on the MTTM website to see the full list of resources from this week's show.

00:00 - Introduction and Lola's Update 02:47 - Understanding Bond Markets 15:50 - Pensions and Retirement Planning 19:18 - Strategies for Building a Pension at 30 24:39 - Strategies for Building a Pension at 40 26:14 - Strategies for Building a Pension at 50 28:37 - Navigating Self-Assessment Tax Returns

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

Support the podcast

You can now support the MTTM podcast by visiting our  ⁠⁠⁠⁠⁠dedicated podcast page ⁠⁠⁠⁠⁠when making any financial decision.

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.

Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.

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:

⁠

In this month’s #DamiensMarketUpdate, Damien discusses the current state of investment markets, focusing on the downturn in equity markets and rising bond yields. Where to next for 2025 and what do investors need to watch? #Investing #Markets #Finance #GlobalEconomy #Stocks Podcasts referenced in this month's show: https://moneytothemasses.com/news/podcast/mm-178 My name is Damien Fahy, founder of https://moneytothemasses.com/​​​ and each week I discuss what is happening in investment markets so that DIY and novice investors can make sense of what is affecting their investments. --------------------------------------------------------------------------- For more information about 80-20 Investor visit https://moneytothemasses.com/become-an-80-20-investor --------------------------------------------------------------------------- If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/​​​ --------------------------------------------------------------------------- Follow Money to the Masses on social media: Website - https://moneytothemasses.com/​​​ Facebook - https://www.facebook.com/moneytothema​​​sses Instagram - https://www.instagram.com/moneytothem​​​asses Twitter - https://twitter.com/money2themasses​​​ #Investing​​​ #StockMarkets​​​ #Shares #investing #moneytips #bonds #stocks #podcast #investingforbeginners

In this week's episode, Damien discusses the recent changes to Vanguard's charging structure and how this will impact investors using its platform.

Damien then provides an analysis of the alternative options available, including the cheapest platforms for ISAs, pensions and general investment accounts. Next, Damien explains how you can check your credit report for free with all three main credit agencies.

Finally, Damien discusses the new reporting requirements for platforms like eBay and Vinted that will mean sharing sellers' data with HMRC.

Watch the whole show on YouTube ⁠⁠⁠⁠here⁠⁠⁠⁠:

Check out this week's ⁠⁠⁠⁠podcast article ⁠⁠⁠⁠on the MTTM website to see the full list of resources from this week's show.

00:00 - MTTM Podcast Episode 489 03:39 - Vanguard's new minimum fee for DIY investors explained 06:03 - Cheaper Vanguard ISA alternatives 10:48 - Cheaper Vanguard Pension alternatives 15:20 - Cheaper Vanguard General Investment Account alternatives 16:54 - How to check your credit report for free 23:55 - New tax rules for selling online

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

Support the podcast

You can now support the MTTM podcast by visiting our  ⁠⁠⁠⁠dedicated podcast page ⁠⁠⁠⁠when making any financial decision.

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.

Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.

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:

• Vanguard introduces minimum fee for DIY investors
• Best Vanguard ISA and Pension alternatives (including heatmaps)
• Cheapest Stocks & Shares ISAs in 2025
• Best & Cheapest Pensions in 2025
• Investment platforms paying the highest interest on cash
• InvestEngine review (including how LifePlans work)
• Best ISA cashback offers (and fee-free deals)
• Best pension cashback offers (and fee-free deals)
• How to check your credit report for free
• Experian Boost review
• Tips for completing your self-assessment tax return for 2023/24

In this week's episode, Damien and Andy explain the various ways listeners can get the most out of Money to the Masses, including the Money to the Masses website, our budget planner, Damien's Money MOT tool, savings and mortgage rate tables and various social media channels. Damien then explain how he made over £1,000 in 2024 without even trying. He reveals exactly how he did it and highlights the money apps he used to help automate the process. Finally, he provides a checklist of steps listeners can take towards financial independence in 2025.

Watch the whole show on YouTube ⁠⁠⁠here⁠⁠⁠:

Check out this week's ⁠⁠⁠podcast article ⁠⁠⁠on the MTTM website to see the full list of resources from this week's show.

00:00 - MTTM Podcast Episode 488 03:52 - Getting the most out of Money to the Masses 18:04 - How I made over £1k without even trying 28:08 - Steps to Financial Freedom

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

Support the podcast

You can now support the MTTM podcast by visiting our  ⁠⁠⁠dedicated podcast page ⁠⁠⁠when making any financial decision.

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.

Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.

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:

• The Money to the Masses Homepage
• Dedicated podcast page - Help support the show
• 80 20 Investor
• Money MOT
• Deals Page
• Sign up to the free weekly newsletter
• Money saving guide
• FREE budget planner
• Best Mortgage Rates in the UK
• Best Savings Rates in the UK
• Best Savings Challenges
• Jam Doughnut review
• Which is the best cashback credit card?
• Build your own black book - MTTM Podcast episode 304
• Create your own Black Book (PDF)
• Best budgeting apps in the UK
• The snowball method of repaying debt
• The best online will writing services

In this week's episode, Damien discusses the possible investment themes of 2025 as well as investment bank predictions of where stock markets will be at the end of 2025.

Watch the whole show on YouTube ⁠⁠here⁠⁠:

Check out this week's ⁠⁠podcast article ⁠⁠on the MTTM website to see the full list of resources from this week's show.

00:00 - Introduction and Overview of Predictions for 2025 02:07 - Market Predictions and Recency Bias 06:17 - Key Themes for 2025: Politics and Economics 11:08 - Gold's Performance and Future Outlook 12:21 - Artificial Intelligence: Opportunities and Risks 15:18 - Central Bank Policies and Their Impact 18:04. -The 60-40 Portfolio: Is It Doomed? 19:42 - The Future of the US Dollar and Market Implications

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

Support the podcast

You can now support the MTTM podcast by visiting our  ⁠⁠dedicated podcast page ⁠⁠when making any financial decision.

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.

Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.

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:

• Take out a free trial of 80-20 investor

This week, Damien and Andy are bringing you the best of the best from 2024. An hour long special made up of listener favourites and the most talked about segments

Check out this week's ⁠⁠podcast article ⁠⁠on the MTTM 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

Support the podcast

You can now support the MTTM podcast by visiting our  ⁠⁠dedicated podcast page ⁠⁠when making any financial decision.

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.

Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.

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:

• • Loud Budgeting
  • Free budgeting spreadsheet
  • Ep 460 - Zero spend months
  • Ep 466 - Debt to income ratios
  • Speak to a mortgage broker (Get a free mortgage review)
  • Ep 459 - Alternative ways to help children financially
  • How to become a Millionaire (Podcast special)
  • Concessionary mortgages explained
  • Ep 478 - Future of cash savings
  • Best savings accounts in the UK
  • Best cash and online savings platforms in the UK
  • Ep 448 - How to stack cashback
  • Jam Doughnut review
  • Ep 456 - Teaching the next generation about money

In this week's episode, Damien provides a roundup of the best budgeting apps available in the UK, highlighting the features, fees and who they might be suitable for. Next, Damien reveals how much income you can get from a £100,000 pension pot. Finally, Damien explains how anyone can download books, magazines, newspapers and even audiobooks for free.

Watch the whole show on YouTube ⁠here⁠:

Check out this week's ⁠podcast article ⁠on the MTTM website to see the full list of resources from this week's show.

00:00 - Introduction to Episode 485 01:49 - Best Budgeting Apps for 2025 03:03 - Detailed Review of the Best Budgeting Apps for 2025 06:29 - Budgeting Apps Compared 15:44 - How much income can you get from a £100k pension pot 16:10 - Retirement living standards 20:05 - Retirement Income Options 28:36 - Accessing Free Books and Magazines 28:45 - Using the Libby App for Library Access

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

Support the podcast

You can now support the MTTM podcast by visiting our  ⁠dedicated podcast page ⁠when making any financial decision.

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.

Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.

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:

• Best budgeting apps in the UK for 2025
• Snoop review
• Emma review
• Moneyhub review
• Starling review
• Monzo review
• Revolut review
• How much can I get from £100k pension pot
• The best annuity for £100k

In this month’s investment market update, Damien explains how Trump's inauguration and the upcoming Santa Rally could impact investment markets as we head into the new year. Where to next and what do investors need to keep an eye on? #Investing #Markets #Finance #GlobalEconomy #Stocks Podcasts referenced in this month's show: https://moneytothemasses.com/news/podcast/mm-177 My name is Damien Fahy, founder of https://moneytothemasses.com/​​​ and each week I discuss what is happening in investment markets so that DIY and novice investors can make sense of what is affecting their investments. For more information about 80-20 Investor visit https://moneytothemasses.com/become-an-80-20-investor If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/​​​ Follow Money to the Masses on social media: Website - https://moneytothemasses.com/​​​ Facebook - https://www.facebook.com/moneytothema​​​sses Instagram - https://www.instagram.com/moneytothem​​​asses Twitter - https://twitter.com/money2themasses​​​ #Investing​​​ #StockMarkets​​​ #Shares #investing #moneytips #bonds #stocks #podcast #investingforbeginners

This week's episode is dedicated to scam awareness! Damien and Andy discuss the most common scams around online shopping, deliveries, and social media marketplaces.

They also delve into the alarming rise of impersonation scams, including those involving HMRC and winter fuel payments.

Finally, Damien and Andy examine the terrifying growth of AI-powered scams like voice cloning and deepfakes. We explain how many of these latest scams work and share practical tips on how to identify them and useful strategies on how to avoid becoming a victim.

Watch the whole show on YouTube here:

Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

00:00 - How to spot and avoid the latest scams

04:30 - Online Shopping Fraud and scams revealed

13:53 - Understanding Card Not Present Fraud

15:22 - Tips for Safe Online Shopping

17:43 - Delivery Scams and How to Avoid Them

18:57 - QR Code Scams: What You Need to Know

21:09 - Impersonation Scams: Protecting Yourself

21:34 - Bank Scams and Verification Tips

25:09 - Understanding Impersonation Scams

26:18 - Winter Fuel Payment Scams

27:56 - AI Scams: Voice Cloning and Deep Fakes

35:36 - Resources and Support for Scam Victims

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

Support the podcast

You can now support the MTTM podcast by visiting our  dedicated podcast page when making any financial decision.

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.

Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.

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:

• Best budgeting apps in the UK for 2025
• My bank helped fraudsters steal £4k from my children's savings
• What are the new APP fraud reimbursement rules?

In this week's podcast, Damien discusses the potential impact of Donald Trump's return to the presidency on investment markets. Next, Damien explains the implications for those who withdrew tax-free cash from their pensions ahead of the budget, focusing on the potential tax penalties they may face if they try to put the money back into their pensions before giving some alternative options for using the withdrawn funds. Lastly, Andy explains the changes to the energy price cap and advises listeners on whether now is a good time to fix their energy tariffs.

Watch the whole show on YouTube here: https://youtu.be/EvDEvxCY7b

00:00 - Introduction to Money to the Masses Episode 483 05:27 - The Trump Trade: Market Movements and Predictions 08:30 - Will Trump being president be a positive thing for investment markets? 14:15 - Which asset classes performed best during Trump's last presidency? 18:34 - Performance of Asset Classes During Trump's Presidency 23:50 - Pension Withdrawals and Tax-Free Cash Concerns 25:20 - Can you put tax-free cash withdrawals back into a pension? 26:10 - Pension recycling - Be mindful before adding cash back into a pension 29:04 - Energy Price Cap Update and should you fix?

Check out this week's 

 on the MTTM website to see the full list of resources from this week's show.

Follow Money to the Masses on social media:

YouTube - 

Facebook - 

Instagram - 

Twitter - 

Tik Tok - 

Support the podcast

You can now support the MTTM podcast by visiting our 

 when making any financial decision.

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.

Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.

Support the show by visiting and bookmarking our dedicated podcast page:

Money to the Masses Dedicated Podcast Page - Click to support the show

Resources:

Links referred to in the podcast:

• Take out a free trial with 80-20 Investor
• Ofgem raises energy price cap by £21 per year from January
• Should I fix my energy prices?
• What are the cheapest fixed price energy tariffs?

Support the podcast

Money to the Masses Dedicated Podcast Page - Click to support the show

Resources:

Links referred to in the podcast:

• What are fractional shares and where best to buy them?
• Best investing apps in the UK
• Freetrade review
• Trading 212 review
• eToro review