Shows
Headsup On Money126- A £1.5M Portfolio Is Easier To Achieve Than You ThinkIn this, the final episode of Headsup on Money for 2025, Benjamin builds on last week's discussion on how much you should target in your 'retirement pot' to achieve a comfortable retirement. Achieving a £1.5M portfolio may seem challenging and almost impossible, but getting there isn't as hard as you may think. Benjamin brings this to life with various real life scenarios and looks at how timeframes, growth rates and monthly investment amounts can have a huge impact on the longer term picture. You'll be pleasantly surprised with the results! Join Benjamin Mitch...
2025-12-1922 minHeadsup On Money125- How Much You Need In Your Portfolio To Retire on £4,000 A MonthPlanning for retirement can be hard when you don't know how retirement will take shape. How much do you need to afford a good standard of retirement? The answer is higher than you think it is. Probably much higher. Which reinforces the need to plan early and invest in the right asset classes to help take you there. Here's the resource Benjamin mentioned at the end of the episode. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financ...
2025-12-1221 minHeadsup On Money124- What You Avoid Is More ImportantWith the Never Ending Worry Service (news) all around us when it comes to our money it can be hard to know what to do. However, in this episode Benjamin challenges the normal convention that we should focus our attention on what we should do, or what we should buy. What if instead we focused on what we should avoid and what we in fact shouldn't do? Avoiding financial mistakes can have a far greater impact on the success of our financial plans. This episode discusses why. Join Benjamin Mitch...
2025-12-0512 minHeadsup On Money123- Budget 2025 Special (What You Need To Know)As promised, in this special episode Benjamin summarises the main takeaways from the 2025 Autumn Budget. Rachel Reeves delivered her second Budget a little over a day ago, and everything you need to know and do is contained in this summary episode. Benjamin summarises the waffle:Changes to cash ISAsFreezing of income tax thresholdsNew income tax rates on property, interest and dividendsSalary sacrifice changesInheritance TaxAnd more. Finally we have some clarity and the rumours and confusion can come to an end (well at least for another year). Enjoy. Join Benjamin Mitch...
2025-11-2839 minHeadsup On Money122- Earning Over £100,000 A Year (Or Close To It)?, Avoid The 60% Tax TrapIf you're earning over £100,000 a year, or are closing in on that level then this is the episode for you. For every £2 of income above £100,000 you lose £1 of your personal allowance, which means previously tax-free income is now subject to tax. This can result in a whopping tax rate of 60% south of the border, and 67.5% north of the border. Fortunately, there are ways you can plan to avoid this tax charge from occurring. Benjamin outlines the main strategies in this week's episode. Join Benjamin Mitchell (themoneyscot), serial hater of financial...
2025-11-2125 minHeadsup On Money121- Master Your Financial Health (With Guest Rob Macdonald)In this episode Benjamin is joined by our first international guest, Rob Macdonald to chat about mastering your financial health. Rob brings a wealth of knowledge and experience on the subject of behavioural finance and why investors struggle to achieve the financial returns they deserve. Together they discuss: Why topics like clarity and confidence are so important when it comes to your money. The merits of partnering with a professional adviser to help you meet your financial life goals.The behavioural biases that result in most of us achieving poor investment outcomesThis epis...
2025-11-1434 minHeadsup On Money120- Diversify Your Tax StrategyIn this episode Benjamin discusses a new way to think about diversification when it comes to your financial planning. For once, we're not talking about investment diversification, rather tax diversification, and spreading your wealth appropriately across taxable, tax-deferred and tax-free wrappers. This episode should give you some food for thought to help you feel less worried about changes in tax rules. It's inevitable that changes will come (pensions and IHT in 2027 are proof of that), but your financial plans needn't suffer. Enjoy. Join Benjamin Mitchell (themoneyscot), serial hater of finan...
2025-11-0722 minHeadsup On Money119- Trick or Treat (Scary Financial Planning Mistakes)Welcome to a Halloween themed episode of Headsup on Money. In this episode Benjamin shares some ghoulish commentary on the most common mistakes we make with our financial planning. By the end of this episode you'll know how to transform these tricks into treats. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform your...
2025-10-3119 minHeadsup On Money118- Little Ways To Think About Big Things (Morgan Housel's Wisdom)In this episode Benjamin shares some financial learns from the mighty Morgan Housel. Thinking about the big things in a little way can help us to digest what initially appears scary and overwhelming. It can also help us to recognise our limitations and biases and make us more successful investors and happier humans! Here's a link to more on this topic by Morgan Housel. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your...
2025-10-2426 minHeadsup On Money117- Can Money Make You Happy? (Unlocking Financial Wellbeing with Guest Ruth Sturkey)In this episode Benjamin is joined by Ruth Sturkey, former Chair of the Institute for Financial Wellbeing. Together they discuss how to live a rich and rewarding life and where financial wellbeing fits into the bigger picture. Can money make us happy? Here's the link to Ruth's website, and her LinkedIn account. She also has a great mailing list which can be signed up to here. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getti...
2025-10-1740 minHeadsup On Money116- The Two Tests To Tune Out Market NoiseIn this episode Benjamin discusses investment market noise and how you can apply two simple tests to check whether you need to pay attention, or tune it out. Why are so few of us successful investors? This episode helps explain our often flawed best intentions. Jargon free as per! Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only know...
2025-10-1018 minHeadsup On Money115- Cliff Edges You Need To Know AboutThe UK financial planning and tax planning landscape often isn't very fair. Small incremental changes to your income and/or asset position can result in punitive tax charges and loss of wealth. Loss of personal allowance Loss of child benefit Loss of your Residence Nil Rate BandLoss of tax free child careLoss of Personal Savings Allowance...In this episode Benjamin summarises these 'cliff-edge events' so that you can go into this with your eyes open and actively plan to avoid them. Doing so can result in huge tax savings and more money in your pocket. What's not to...
2025-10-0325 minHeadsup On Money114- Budget 2025 Special, What Should You Do?With Rachel Reeves' budget on the 26th November fast approaching, the storms of speculation are circling!In this episode Benjamin reviews the current rumour mill and provides a take on what you should do in light of the media speculation frenzy. The short answer is: not much money nerds. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the on...
2025-09-2619 minHeadsup On Money113- Marshmallows and Your Financial PlanningIn this episode Benjamin (somehow) manages to link marshmallows with good financial planning. Delayed gratification is an important concept when it comes to your personal finances. Perhaps an experiment involving marshmallows from the 1970s can help us to better manage the trade off.Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money no...
2025-09-1918 minHeadsup On Money112- Investing Demystified (With Guest Lars Kroijer, Former Hedge Fund Manager)In this episode Benjamin is joined by Lars Kroijer, former hedge fund manager to discuss Lars' journey from believing he had an 'edge' when it comes to investing, to recognising our limitations. Together they chat aboutActive versus passive fund managementWhat does 'risk' really mean? How to structure a basic - but mighty - portfolioWhy as human beings we tend to disregard simplicity? Where does property fit into your financial plan? Financial armageddon and planning for the unthinkable. You can find out more about Lars by visiting his website here. His YouTube videos are al...
2025-09-1255 minHeadsup On Money111- Can You Pay Into A Pension After You Retire?Seems absurd doesn't it? Why on earth would you choose to pay into a pension when you are already retired? Isn't the whole point of a pension to take you to retirement? Benjamin challenges the normal way of thinking in this episode and by the end you'll appreciate how pensions can still play a relevant part in your financial plan, even after you've retired or achieved 'financial freedom'. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.
2025-09-0519 minHeadsup On Money110- Financial Freedom Is Not The Same As Financial IndependenceIn this episode Benjamin discusses the FIRE movement (Financial Independence Retire Early) and cautions why relying on this may mean you're missing the entire point. Financial freedom is another way to approach your financial planning. And for finite human being such as ourselves this is surely the only way to sensibly plan. For more information on the amazing work of Oliver Burkeman check out his website here. At the very least it's worth signing up to Oliver's fantastic mailing list - 'The Imperfectionist' - which you can do so using the above link.
2025-08-2918 minHeadsup On Money109 - Reflecting on Recent Market VolatilityWhat can we learn from recent market volatility? Benjamin climbs back onto his financial soapbox in this week's episode and shares his musings on why short-term market wobbles have no relevance to the underlying financial strength of your portfolio. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Ta...
2025-08-2211 minHeadsup On Money107- Rules of Thumb To Help Your PlanningOverwhelmed and don't know where to start? If you have no idea whether you're on track, or completely off track, then this is the episode for you. Benjamin shares the 'rules of thumb' you can adopt to help guide your financial planning. How much can you withdraw every year without running out of money? How much do you need in your portfolio to be financially independent? This episode will give you a starting point. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to...
2025-08-0820 minHeadsup On Money105- The Story of Ronald Read, 'The Millionaire Janitor'You've likely never heard of him, but Ronald Read's story is a testament to the best principles for successful financial planning. In this episode Benjamin shares the story of how Ronald turned a modest income and asset position into a sizeable estate worth over $8M. The recipe for his success is nothing surprising, but did he live life to the max and sufficiently enjoy his wealth? Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on...
2025-07-2517 minHeadsup On Money102- Plan First, Portfolio Second, Product ThirdIn this episode Benjamin outlines the '3 Ps' of financial planning and how you should direct your focus to maximise your chance of financial success. It's not as complicated as it may seem. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment ...
2025-07-0416 minHeadsup On Money100- A Milestone For Headsup on MoneyHeadsup on Money is 100 today!In this special episode Benjamin reflects on the key learns over the last 100 episodes of the podcast and shares some personal stories to help you get to know him better. Thank you to the money nerds out there for your support. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you ne...
2025-06-0615 minHeadsup On Money99- Is My Money Safe?Wondered what would happen to your bank account savings in the event your bank was to default? Heard of the FSCS? Benjamin explains everything you need to know in this week's episode. Here's the link referred to in the show. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to m...
2025-05-3011 minHeadsup On Money98- Top 5 Regrets of The DyingWhat lessons can we take into our financial planning from the regrets of the dying? Good financial planning should always just be the means to the end; the financial plumbing underpinning your financial goals. In this episode Benjamin reflects on the top 5 regrets of the dying from Bronnie Ware's highly regarded memoir from her time as a palliative carer. You can find out more about Bronnie here. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of...
2025-05-2317 minHeadsup On Money97- The Danger of Arbitrary NumbersIs your financial plan based on sound evidence and a rigorous plan, or arbitrary numbers and dates that you've convinced yourself are correct? I need to retire at age 62. I need £500,000 in my pension to afford a good retirement. Are these statements based on fact, or fiction? Benjamin discusses why it matters in this week's episode. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be com...
2025-05-1612 minHeadsup On Money96-The Recipe For Success Is The SameIncreased complexity doesn't mean better in personal finances. Whether you have a £100k pension pot or £1m, the underlying investment principles should hold consistent. Benjamin explains why in this episode. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you alre...
2025-05-0911 minHeadsup On Money95-Should You Take Your Pension Tax-Free Cash (Lump Sum)?It's one of the most common queries posed by retirees. Surely getting your hands on 25% of your pension tax free is an absolute no brainer, right? In this episode Benjamin discussed the pros and cons to taking your pension tax free cash straight away and hopefully gives you food for thought that it's not as black and white as it may seem. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances do...
2025-05-0222 minHeadsup On Money94- Insurance & Trusts, Have You Done This?Is your life insurance or critical illness plan under Trust? Don't even know what that means, let alone why you would do this?! This is the episode for you. Benjamin explains all and outlines the tax savings and headaches this can avoid. As always, free from jargon and guff you don't need. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the onl...
2025-04-2514 minHeadsup On Money93- What's The Best Portfolio For You?The answer to this one is perhaps not what you expect. Benjamin explains all in this episode. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in th...
2025-04-1817 minHeadsup On Money92- There's No Sense Dwelling On The PastSo we're into the new tax year at last. If you didn't start taking control of your money in the last tax year then you're probably feeling pretty unmotivated right now. In this episode Benjamin explains why it's not sensible to dwell on the past and instead keep your eyes forward and start planning now with a fresh and positive mindset. The new tax year has started, and now is the perfect opportunity. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another fina...
2025-04-1109 minHeadsup On Money91 - Current Market Volatility, A Feature Not A BugFor some investors the current market volatility will be their first real taste of portfolio volatility. In this episode Benjamin provides a reminder that what you're currently seeing isn't a bug of the system, it's a feature of investing. Staying true to your financial plan will reward investors in the long-term, even if Donald Trump has other short-term goals. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be com...
2025-04-0416 minHeadsup On Money89- Pension Carry Forward ExplainedUnderstanding this crucial rule can allow you to pay more into your pension than you may think you're able to. But it's not without its complications and caveats. Wondering where to start and what this rule even means? Benjamin explains all in this episode and as always keeps this as high level as possible, and free from jargon so that you can understand how this might benefit your financial planning. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. ...
2025-03-2122 minHeadsup On Money87- The Theories Behind Your Irrational BehaviourFollowing on from last week's episode, here Benjamin outlines the main behavioural finance theories that are impacting our chances of investment success. How many are you guilty of? Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to...
2025-03-0719 minHeadsup On Money86- If Investing Is So Easy, Then Why Aren't We Better At It?By now the diligent money nerds out there should realise that successful investing is really very simple. But in spite of this we still struggle to achieve good investment outcomes. Research shows that investor personal returns are often far less than the returns of the assets they actually invest in. In this week's episode Benjamin explains what may be causing this and why it matters so much to your investment pathway to success. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another fina...
2025-02-2815 minHeadsup On Money83 - Better TogetherIn this episode Benjamin chats about why the most rewarding financial plans are created through transparency and planning together. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note...
2025-02-0712 minHeadsup On Money82 - Changes to Pensions and Inheritance Tax (Will I Now Have To Pay Inheritance Tax on My Pension?)You've potentially heard there are some pretty massive changes coming into effect in April 2027 regarding how your pensions are counted for Inheritance Tax purposes. Wondering what's going on, and whether it affects you or not? If so, what should you now be starting to think about? In this episode Benjamin explains everything you need to think about and do when it comes to planning for the upcoming changes. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on t...
2025-01-3126 minHeadsup On Money81- A Word On Buyer's RemorseIn this short episode Benjamin shares a tip on how to work around buyer's remorse. It's unlikely to ever go away in entirety, but recognising its existence is the first step in starting to plan around it. Buyer's remorse will appear at many junctures in your financial plan, as explained in this short and sweet episode, free from jargon as always. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be co...
2025-01-2409 minHeadsup On Money80- Who Should Be In Charge Of Our Pensions?The 2024 budget was rife with speculation around pensions... the banishment of tax free cash, the restriction of tax relief, reintroduction of the lifetime allowance. Yo-yo. Swing-swing. U-turn. It's little wonder so many are disenchanted with retirement planning. In this episode Benjamin suggests an alternative way. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money no...
2025-01-1719 minHeadsup On Money79- Return on Experience, Not Return on InvestmentIn this episode Benjamin has a suggestion for how to inject some colour and enjoyment into your financial planning. At this time of year it can be pretty hard to motivate yourself when it comes to good financial management, but there is one way to bring some fun to your personal finances. Listen to this episode to understand what you need to do and how to realign your focus to return on experience and not always return on your investment. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he hel...
2025-01-1016 minHeadsup On Money78 - Reflecting on 2024 (Takeaways to Help Your 2025 Plans)New Year's Resolutions are hard enough to keep, let alone financial resolutions. With that in mind, in this episode Benjamin ignores corny resolutions and instead looks back at 2024 to review the key learns and takeaways.You can learn from these and take these into 2025 to ensure you remain on the track to financial independence. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself wi...
2025-01-0317 minHeadsup On Money77- The 3 Levers That Unlock Great Financial PlanningIgnore the complexity that's out there. Your long-term financial success simply comes down to your ability to pull on the 3 levers mentioned by Benjamin in this episode. So whether you have time on your side, affordability to increase your investment rate, or ability and comfort to increase your growth/risk trade-off, these are the determinants of your financial success. As you'll learn in this episode, your ability to pull on these levers will naturally vary throughout life as your goals and timescales change. Join Benjamin Mitchell (themoneyscot), serial hater of f...
2024-12-2019 minHeadsup On Money76- The Importance of Financial Education (With Guest Sarah Marks)In this episode Benjamin is joined by Sarah Marks, CEO of RedSTART Educate to chat about the importance of financial education.Together, they chat about: Why people need to stand up and take notice of their financial planning NOWGone are the days of low effort, maximum reward financial planning (death of the final salary pension scheme) The importance of financial education at a young ageMistakes we've all made when it comes to our money As always - jargon free. If anyone would like to know more about RedSTART and the amazing work they...
2024-12-1333 minHeadsup On Money74- Timing The Market: What Happens When You Miss The Best Days?We've all heard the saying time in the market beats timing the market... but how damaging can poor market timing actually be? Surely missing a few of the 'good days' won't matter too much in the grand scheme of things when looking at a 20 year investment timeframe? Wrong. Market mistiming destroys wealth. In this episode Benjamin brings this to life with a case study, with thanks to this incredible resource from Visual Capitalist. The Cost of Timing The Market Join Benjamin Mitchell (themoneyscot), serial hater of financial j...
2024-11-2915 minHeadsup On Money72- The Perils of Risk QuestionnairesRisk Questionnaires are designed to understand more about how you view investing and to guide you to invest in a suitable portfolio. Sounds good in theory doesn't it?In practise however they're extremely dangerous when used in isolation, because they encourage you to view investment risk as a bad thing. In this episode Benjamin explains why you should disregard the word 'risk' from your vocabulary entirely and why investment volatility is a good thing. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps y...
2024-11-1513 minHeadsup On Money70- How Does The Budget 2024 Affect You?It's been an eventful week in personal finance. On Wednesday 30th October we had the first labour budget in 14 years. On the face of it there are a lot of changes at play and you're likely unsure which are relevant to you. To help you avoid the noise, in this episode Benjamin walks through the key takeaways of the Budget and how you should react to the changes. And if you stay to the end you'll find out what's actually more important to your long-term financial success. Spoiler - it's not...
2024-11-0129 minHeadsup On Money69- Parents Should Watch Out For This Tax Trap (£100 Settlement Rule)If you gift wealth to your children and that wealth isn't held in a tax efficient wrapper (for example a Junior ISA) then you need to be aware of this quirky, lesser-known, tax rule. It isn't as complicated as it sounds, but you need to appreciate how it operates in practise so you can organise your financial planning around it. In this episode Benjamin explains everything you need to think about, jargon-free as always. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make ano...
2024-10-2508 minHeadsup On Money68- Missing State Pension Years? Don't Miss Out (Act Before April 2025)Have you got gaps in your National Insurance history which may result in you receiving a lower state pension? You can 'backfill' these gaps, but only as far back as the preceding 6 tax years. However, at the moment a loophole exists that will allow you to go back all the way to 2006. You've only got until April 2025 to do this however and then the opportunity is gone. Benjamin explains all in this episode. Links discussed in the episode: Check your national insurance record here. Get your...
2024-10-1815 minHeadsup On Money67- The Upcoming Budget, Keep Your Speculation PositiveThe Labour government's first budget is coming up on the 30th October 2024. There is a lot of negativity in the financial press at the moment and speculation is rife with rumours of changes to Capital Gains Tax, restrictions and caps on pensions tax relief and an overhaul to the long outdated Inheritance Tax regime. What should you pay attention to? What should you ignore? In this episode Benjamin sifts through the noise at the moment and encourages you to remain focused on what truly mattes when it comes to long-term success with...
2024-10-1123 minHeadsup On Money66- The Magical Rule of 72It's a simple rule that will allow you to understand how long it'll take for your wealth to double in value. If compound interest confuses you and you've got no desire to understand the underlying mathematics (let's be honest - who does?!) then this is the episode for you. A super helpful cheat sheet that you can apply to your own financial plans. Here's the calculator referred to by Benjamin in this episode. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another f...
2024-10-0407 minHeadsup On Money64- The Top 3 Risks in Retirement (Not What You're Expecting)What do you think the biggest risks affecting retirees is? In this week's episode Benjamin covers the main dangers and pitfalls that retirees need to be aware of. You'll learn that stock market risk shouldn't be a primary concern when it comes to your retirement plan. Understand these 3 risks and you won't go far wrong. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scar...
2024-09-2011 minHeadsup On Money63 - Want To Retire Early? Do This FirstIn this episode Benjamin picks up from where he left of last week and summarises the key steps you need to take if you want to retire early. You don't need to do anything particularly clever, but as always the sooner you start the better it will be for future you. By the end of this episode you'll be armed with the perfect recipe for early retirement success. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top...
2024-09-1319 minHeadsup On Money62- How To Retire Early When Your Income Suddenly VanishesHave you thought about how your financial picture will look when suddenly your income tap gets turned off? The day will come, but so many of us choose to ignore it. How will you replicate that loss of income? The answer is you need to have sufficient investment capital behind you so that you can live life on your terms and retire with confidence. Budgeting is the first step to getting there and in this episode Benjamin explains why. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as h...
2024-09-0617 minHeadsup On Money61- The First Steps You Need To Take To Retire EarlyIn this episode Benjamin discusses retiring early and what it means to different people. Good financial planning can give you independence and win you time to spend it as you wish, whether that's working (because you enjoy work), volunteering or quitting work completely.But you should ask yourself this first. There's also a shout-out to married couples at the start of the episode and a reminder that marriage presents new opportunities with your financial planning. Here's a link to an earlier episode on this very subject. Join Benjamin Mitchell (th...
2024-08-3014 minHeadsup On Money60- Why Pensions Shouldn't Scare YouContinuing our 'Masterclass' series, in this episode Benjamin tells you everything you need to know about pensions. Even the word pension strikes fear into the heart of many. But it shouldn't. Pensions are incredibly tax efficient and using them well is what separates the amateurs from the money nerds out there. Confused by tax relief, tax free cash and what happens to your pension when you die?This is the episode for you to change your opinion on pensions. And as always, jargon is never welc...
2024-08-2325 minHeadsup On Money59 - Beware of Financial InfluencersIn this episode Benjamin explains why you should approach online financial advice with a healthy dose of scepticism. Social media is currently rife with financial influencers ('finfluencers') sharing secrets of overnight success when it comes to investing. Taking this level of risk with your lifetime wealth is investment suicide. Here's why you shouldn't believe everything you read/watch. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your pers...
2024-08-1609 minHeadsup On Money58- Masterclass on DividendsYou're probably familiar with the term 'dividends', but how much do you actually understand and how much is conjecture? In this week's episode Benjamin provides a masterclass 101 on everything you need to know about the humble dividend, how they're taxed and planning ideas to avoid paying too much in dividend tax now that the dividend tax regime is tighter than ever before. It's all here in under 20 minutes. Here's the link to the resource mentioned in this episode on JP Morgan's Guide to the Markets. Check out page 90 specifically!Money novice...
2024-08-0917 minHeadsup On Money57- Have You Thought About Pensions For Your Children or Grandchildren?In this episode Benjamin explains why pensions aren't just for retirees and can in fact be used by any generation. When used effectively they can result in huge tax savings for you and your next generation. If you haven't thought about the role pensions can have for your children and grandchildren before then this is the episode to get started with. It's not as complicated as it might seem. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. ...
2024-08-0213 minHeadsup On Money56- Masterclass, Everything You Need To Know About JISAsContinuing with our Masterclass series, in this episode Benjamin explains what the JISA is and how these tax-exempt wrappers can be used to plan for your children or grandchildren's futures. As always, there are some caveats around whether they will be relevant for your own situation, but Benjamin explains here the pro's and con's in his classic no-nonsense, no-jargon way.Listen up to become an expert on all things Junior ISA. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.
2024-07-2616 minHeadsup On Money55 - ISA Masterclass, Understanding The Humble ISAIn this episode Benjamin explains everything you need to know about the humble (or indeed not so humble) ISA or 'Individual Savings Account' to give it its full name! This episode explains what an ISA is, how they can help with good financial planning and also some of the quirks in the ISA regime that can be used for your benefit. It's all here in this episode. ISA money nerd in 20 minutes. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mist...
2024-07-1917 minHeadsup On Money54- Are You Guilty Of These Investing Mistakes (Pt 2) ?We continue where we left off last week and re-join our countdown of the top 20 investment mistakes made by investors. Are you guilty of forgetting about inflation, letting your emotions run wild and chasing headline yields?In this episode Benjamin covers numbers 11-20. Here's the resource mentioned in this episode. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the o...
2024-07-1218 minHeadsup On Money53- Are You Guilty Of These Investing Mistakes (Pt 1) ?This episode covers the classic investing mistakes that money novices make. How many are you guilty of? Benjamin covers topics such as erroneously timing the markets, failing to keep an eye on your costs and worrying too much about taxes. 1-10 will be covered in this week's episode, with 11-20 covered next week. Here's the resource mentioned in this episode. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal f...
2024-07-0523 minHeadsup On Money51- The Upcoming General Election and Your PortfolioWe're entering a phase of increased noise and distraction in the UK at the moment. But what do you need to be thinking about as we near our next general election? In this episode Benjamin explains why politics should be regarded completely separate to your financial plan. We can become engrossed in short-termism and home country bias. This episode will help you to take a necessary step back. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.
2024-06-2115 minHeadsup On Money50- Outliving Your MoneyThis episode concludes our 'mini-series' on risks to be aware of in retirement. Longevity risk is the risk that your investments won't last as long as you live. So what does that mean for your financial plan? In this episode Benjamin explains the real risk is the risk of 'low returns' and if you are to have any chance of combatting longevity risk then you need to stay true to the fundamental principles you've adhered to pre-retirement: trust in the long-term and relying on the wealth creation engine that is the stock market.
2024-06-1414 minHeadsup On Money49 - Sequencing Risk Explained & Why It MattersIn last week's episode Benjamin explained that the risk of running out of money doesn't just come down to market risk. You need to understand something called 'sequencing risk'. Fear not, it's not as complicated as it sounds.It is however a tricky issue to navigate in any retirement plan, so arming yourself with the fundamentals is key. Fortunately this episode helps you do exactly that. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top...
2024-06-0715 minHeadsup On Money46- All That Glitters Is Not GoldIn this episode Benjamin explains what is meant by investing in gold and why doing so could be a costly distraction to you securing long term financial independence. As you'll see, gold doesn't glitter quite as much as you may think it would... Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money n...
2024-05-1715 minHeadsup On Money45- Things To Think About As A Buy-To-Let InvestorOne of the most common questions my clients ask me is: 'should I invest more in property?' Property is a solid inflation hedge, can offer rental income and capital appreciation and can nicely diversify your stocks and shares portfolio...BUT. Are you aware of the drawbacks before you embark on this potentially costly and hassle heavy strategy? Benjamin explains everything you need to know in this episode.Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial m...
2024-05-1024 minHeadsup On Money44- Don't Let The Tax Tail Wag The Investment DogTaxes, taxes taxes. Nobody likes paying them, but they're an inevitable part of any good financial plan. In this episode Benjamin explains why focusing solely on taxes can be detrimental to your plan and why there are more important ingredients for success. What are they? This episode explains all. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you nee...
2024-05-0314 minHeadsup On Money42- Fund FundamentalsYou've heard of 'funds' before but how confident are you on what it actually means? Funds are vital building blocks for your long-term financial plan, but you need to understand what they are and which funds are suitable for you. In this episode Benjamin shares the summary in a classic no-nonsense, no-waffle way . By the end you'll be far more confident about what to do next. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of you...
2024-04-1916 minHeadsup On Money41- Understanding The Money Purchase Annual Allowance (MPAA)The Money Purchase Annual Allowance (MPAA) is one of the more bizarre rules and common trip hazards when it comes to our pensions. You need to understand what it is before you take any pension benefits from a pension. Why? Because triggering the MPAA can result in costly complications and hefty tax charges. Fear not though, it's not as complicated or dull as it may seem. Benjamin explains all you need to know in under 20 minutes. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to...
2024-04-1218 minHeadsup On Money40- The Perils Of Pension LifestylingPension lifestyling is an investment strategy that automatically moves your pension out of 'higher risk' assets into 'lower risk' assets as you reach pension age. It makes sense doesn't it? In this episode Benjamin explains why you need to go into this strategy with your eyes open and how a simple tick-box could end up costing you thousands over your investment lifetime. Knowledge is power! Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of y...
2024-04-0519 minHeadsup On Money39- Positive Changes To Child BenefitThe child benefit system is changing for the better. In this episode Benjamin explains what child benefit is and the nasty 'high income child benefit charge' that often arises. Are you aware of the changes coming into effect and what this might mean for your family? Consider this your official no-nonsense debrief. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with...
2024-03-2922 minHeadsup On Money38- The Pros and Cons To Owning SharesShares are great for building long-term wealth and beating the Terminator of Wealth that is inflation. But they also have quite a few drawbacks too, which can cost you. Luckily there is a solution. Benjamin explains what that is in this episode. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from mone...
2024-03-2213 minHeadsup On Money34- Are Cash ISAs Even Worth It?The humble cash ISA is one of the most misunderstood financial products out there. If you don't really understand what an ISA is, let alone whether it's beneficial for you, then this is the episode for you. You can expect Benjamin's usual approach of binning the jargon and telling you what you truly need to know. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or...
2024-02-2320 minHeadsup On Money33- What Should You Order From The Menu Of Life?In this episode Benjamin talks about the importance of making good decisions when it comes to your money. But with an infinite number of possibilities, how do you know which path to take? Benjamin brings this to life with help from Oliver Burkeman's bestselling book 'Four Thousand Weeks'. What if, what if, what if ... Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be comp...
2024-02-1611 minHeadsup On Money32- Get a 67% Return On Your Investment With No Investment Risk WhatsoeverThis probably seems to good to be true and you're wondering what the catch is... Benjamin explains all in under 10 minutes.As you'll see, the headline 67% return isn't a fairytale, it's perfectly within your grasp. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd!
2024-02-0911 minHeadsup On Money28- Achievable New Year's Resolutions When It Comes To Your MoneyLet's be honest, we could all do without another New Year's Resolution. And certainly not one to do with our personal finances! In this episode, our first of 2024, Benjamin breaks down how to get on top of your personal finances but more importantly how to ensure you stay on top of them. Your fad diet and January exercise regime may flop, but your financial plan wont. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake.
2024-01-1219 minHeadsup On Money26- Active Versus Passive FundsWhat are the differences between active management and passive management of funds? And more importantly, why should you care? Do you have a crystal ball? Are you aware how much you're paying for active management? Does it make a difference to the growth of your hard-earned money? It's all here covered in this episode as Benjamin's objectivity is truly tested ... Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your pers...
2023-12-0818 minHeadsup On Money24 - Think You Don't Understand The Stock Market? Think Again.So you know you should be investing in the stock market, but the trouble is you don't understand what it actually is!Join Benjamin for a 'day in the life' tour of the stock market and you'll soon realise that you know a lot more than you think you do. The stock market is all around us. In fact, you'd be hard pressed to find evidence of the stock market not playing a role in everyday life. This one is a fun one!Join Benjamin Mitchell (themoneyscot), se...
2023-11-2413 minHeadsup On Money22- Financial Planning for Couples Part 3 - Why Cohabitees Get Short ChangedIt's our final episode in the financial planning for couples mini series. In this one Benjamin explains why cohabitee couples get a really c**p deal when it comes to perks and financial security, compared with married/civil partners.So what are the key risks to be aware of? And what can you do to help alleviate them? It's all explained here in under 20 minutes!Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on...
2023-11-1018 minHeadsup On Money21- Financial Planning for Couples Part 2 - The Perks of MarriageIn this episode Benjamin explains why being married offers you significant tax and investment perks. If you're married or in a civil partnership, you get a pretty sweet deal. Listen up to save thousands £££ in tax. But is that a reason alone to get married?! You can be the judge! Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yours...
2023-11-0322 minHeadsup On Money20- Financial Planning for Couples Part 1 - Where To StartCouples who financially plan together, stay together. In this episode Benjamin explains why it's always better to approach managing your finances together as a couple. Teamwork makes the dream work... and all that jazz. And if you've never heard of 'money dates' then this is the episode for you. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the...
2023-10-2720 minHeadsup On Money19- Market Crashes Come, Market Crashes GoJoin Benjamin for a brief history of market crashes over the last 100 years. If that doesn't sound very interesting, then what might be of more interest is learning why market crashes shouldn't really matter to you at all. So tune them out completely. As you'll find out, they come and they go. Stay the course and go with the flow. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal financ...
2023-10-2017 minHeadsup On Money18- 'You PI' (Your Personal Rate of Inflation)It's nigh on impossible to escape the chat about inflation in the news (or 'Never Ending Worry Service') at the moment.CPI, or RPI, or... who cares?!These measures have absolutely nothing to do with you and your standard of living, unless you've a penchant for e-bikes or surveillance cameras... The only rate of inflation you need to worry about is your personal rate of inflation: 'You PI'.It's all explained in this episode. And here's the calculator Benjamin refers to.Join...
2023-10-1314 minHeadsup On Money16- The Triple Lock Guarantee & Your State PensionIn this episode Benjamin chats about one of the more politically contested topics in personal finance. But what is the 'triple lock guarantee'?Is it a good thing or a bad thing, and will it stay around? Don't sweat the small stuff here, governments have been known (once or twice) to go back on their word...You just need the fundamentals. Explained here in under 20 minutes. No jargon. No waffle. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never...
2023-09-2918 minHeadsup On Money15- Should You Invest or Pay Off Your Mortgage?In the current higher interest rate environment, you may be considering using some of your surplus income to pay off your mortgage. But is this sensible ?Or should you instead be investing your money in the greatest companies in the world via the stock market? It's a classic debate.Invest or overpay? Here's the calculator I referred to in the show: Run your own numbers Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another f...
2023-09-2226 minHeadsup On Money14- Your Guide to Income TaxTax really doesn't have to be taxing. In this episode, Benjamin explains how the Income Tax system works in the UK and helps you to understand the various allowances and tax freebies you have available to you. By the end of the podcast you'll be a ITP (Income Tax Pro) and will have some quality chat to impress your friends with. Who said tax isn't cool? If you understand how tax works, you can then plan on how best to avoid it. Join Benjamin Mitchell (t...
2023-09-1528 minHeadsup On Money13- Financial Must-Do's for Small Business OwnersAs a small business owner, you're often left behind. You don't have a workplace pension. You've no life insurance through work. You'll get no sick pay. You're distinctly lacking in financial benefits. But plugging these gaps isn't as hard as you think. In this episode, Benjamin outlines a high level summary of everything you need to be thinking about as a small business owner when it comes to your finances. You love your business. But sometimes a bit of healthy distance can be the best me...
2023-09-0821 minHeadsup On Money12- Let's Get Ready to (Pension) Rumble: Defined Contribution vs Defined BenefitIn what has been described by nobody as the fight of the millennium, Benjamin introduces the 2 behemoths of the pension world. It's time to pit Defined Benefit against Defined Contribution. Which one do you have? And what does this mean for your long term financial planning? Let the fight commence. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with...
2023-09-0124 minHeadsup On Money11- Salary Sacrifice Like a ProWhy would you choose to take a lower salary? What possible benefit could there be to you? Salary sacrifice isn't something to avoid at all costs. In fact, it's one of the big personal finance freebies.In this episode, Benjamin takes you on a jargon-less explanation of what salary sacrifice is and why it may be one of the smartest financial decisions you make this year! Here's the link to the calculator referenced in the show. Try it out with your own figures and see the difference salary sacrifice...
2023-08-2522 minHeadsup On Money10- Asset ClassesBenjamin covers the 4 main asset classes and what you need to know about each of them. CashBondsEquities Property ... they're all here. In 20 minutes you'll understand more about investing than the majority of the nation and importantly what each asset class means for your wealth journey. All aboard! Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be compli...
2023-08-1822 minHeadsup On Money9- How To Run Your Bank AccountsHaving a well organised bank account system doesn't have to be complicated. It's incredibly simple to do and is the first step towards nailing your long term financial life plan. This episode covers key points, such as how many bank accounts you need and also reminds you that the most important direct debit you should arrange each month is to pay YOURSELF. You pay for broadband, electricity and council tax, so why not invest in yourself too? Join Benjamin Mitchell (themoneyscot), serial hater of fi...
2023-08-1114 minHeadsup On Money8- Default Pension Funds & Jeremy Hunt's Worrying ProposalsWarning - Jeremy Hunt is making changes to your workplace pension scheme without your agreement!And these changes are worrying. Benjamin shares what you need to do to avoid your pension being invested in high risk, high expense assets and to regain control of your pension fund. Jeremy and his cronies are making these changes to benefit the government agenda and NOT with you in mind. As Fleetwood Mac once said: 'you can go your own way (in your workplace pension scheme)'Listen why.
2023-08-0414 minHeadsup On Money7- What Is The Stock Market?If you want to outperform the terminator of wealth that is inflation, then you need to be investing in the stock market. But it's hard when you don't know the fundamentals...What even is the stock market? Is it even suitable for everyday investors? How will I know what to invest in? Sound familiar? By the end of this episode you'll be a master of the market and you'll be armed with the most solid foundations possible to begin your journey to long term wealth creation, whatever that means...
2023-07-2822 minHeadsup On Money6- Understand Your PayslipBecome a master at understanding your payslip!By the end of this episode you'll be a pro at reading your payslip and you'll understand the key things you need to know; cold payslip sweats no more! Income Tax ... National Insurance contributions...Pension contributions ... They're all explained here but with zero financial jargon. Next time you read your payslip you'll be full of confidence, and can even challenge your employer's payroll department if you think there may be an error. And here's the link I refer to in...
2023-07-2122 minHeadsup On Money5- Saving Is Not The Same As InvestingIn this episode you will become a resident money nerd on the differences between saving and investing. These two concepts are often used interchangeably, but as you will learn they are completely different in meaning, and serve very different purposes when it comes to your long term financial plan. Should you be a saver?Or should you be an investor? This episode is your definitive guide. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Gett...
2023-07-1418 minHeadsup On Money4- Investment Compounding - Become a Millionaire With No EffortNo, it's not a get rich quick scheme...Instead, in this episode Benjamin shares one of the most important concepts in personal finance: the wonder that is investment compounding. Benjamin brings this marvellous concept to life through real life examples to help you see (hear) that what can start as humble beginnings can grow into something very special. Would you rather have £1,000,000 today, or 1p that doubles every day for a month?!In this episode you'll learn how you can make compounding work for you. Often all y...
2023-07-0713 minHeadsup On Money3- How To Solve a Problem Like InflationIn this episode Benjamin tackles the terminator of wealth that is ... INFLATION (duh, duh, duh). Fear not money nerds, as he will share some tips on how you can tackle inflation to make sure you stay on top of it, before it gets on top of you!As you'll see, it's not as tricky as you might think. And in the silly question of the week we learn if inflation is always a bad thing. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you t...
2023-06-3013 minHeadsup On Money2- Where To Start With Your Financial PlanAre you keen to kick off your long term financial life plan, but don't know where to start?!In this episode, Benjamin shares a real life story to highlight the priorities you should be focussing on when it comes to your financial freedom journey. By the end of the episode you'll know exactly where to direct your precious time and resources.As you'll see, it's simply a case of putting 3 crucial things to BED ... Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to...
2023-06-2318 minHeadsup On Money1- Five Classic Money Mistakes (& How to Avoid Them)In this episode, Benjamin highlights the 5 classic money mistakes that separate the money nerds from the money novices!Join this riveting (we try!) countdown to ensure your financial life plan is free from classic blunders, including:1. Planning blind2. Losing track of your fees3. Delaying things until tomorrow4. Judging your success by that of others5. Jumping in at the deep endBank gone bust? The FSCS to the rescue!Who owns my bank? Bank family trees Join Benjamin Mitchell (themoneyscot), serial hater...
2023-06-1717 minHeadsup On MoneyAn Introduction to Headsup on MoneyWelcome to the very first (very shiny, very new) episode of Headsup on Money, the podcast that brings colour and fun to your personal finances. In the trailer, Benjamin introduces himself and climbs onto his personal finance soapbox to explain why the podcast has come to be and more importantly, why you should care! Listen today and and transform yourself from money novice to money nerd. The first step begins right here. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to n...
2023-06-1605 min