Shows
Impact InvestingEp52 - Global Record Heat: Investing to Combat Climate ChangeThis summer, we have seen record-breaking global temperatures and extreme weather events: floods, the hottest June on record and wildfires. The scale of the climate problem is becoming increasingly clear; governments and investors can no longer ignore it. In this episode, we’ll discuss why governments have responded slowly to the crisis and the strong link between UK pensions and fossil fuels. We will also examine the scale of the climate problem and how it fits into thinking about investments and being an impact investor.Finally, we’ll discuss the different ways...
2023-07-2022 minImpact InvestingEp51 - Will AI disrupt wealth management?This week we are thinking about how AI could change wealth management Remember when investing your capital is at risk and nothing in this podcast is financial advice get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-07-1226 minImpact InvestingEp50 - Is ESG now a weaponised term?This week we look at Larry Fink's latest letter to shareholders and how he and Blackrock are stepping back from using the term "ESG".We also look at Glencore's CEO threatening to move the company from London to New York - blaming ESG At the same time Anti-ESG funds are not taking off in the US despite the escalation in the war on woke Get in touch: podcast@circa5000.com Remember when investing your capital is at risk and nothing in in this podcast is financial advice.
2023-07-0727 minImpact InvestingEp49 - Crowdfunding and half year predictionsWe review the predictions we made for 2023 and see if things are turning out as expected! Get in touch: podcast@circa5000.com Crowdfunding: https://circa5000.com/crowdfundRemember nothing in this podcast is financial advice and when investing your capital is at risk. Crowdfunding carries specific risks please take 2mins to read about them on crowdcube.com Hosted on Acast. See acast.com/privacy for more information.
2023-06-1323 minImpact InvestingEp48 - CIRCA5000 ETFsThe CIRCA5000 ETFs are live! Remember nothing in this podcast is financial advice and when investing your capital is at risk. Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-06-0821 minImpact InvestingEp47 - Impact investing & ETFsThis week we discuss what makes a good 'impact' ETF and discuss the differences between 'active' and 'passive' funds. When investing your capital is at risk and nothing in this podcast is financial advice. Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-05-3120 minImpact InvestingEP46 - What next for ETFs?This week we are looking at ETFs and what is next for this rapidly growing and changing area of the investment world. Nothing in this podcast is financial advice and when investing your capital is at risk. Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-05-2620 minImpact InvestingEp45 - The end of inflation? What now for interest rates?This week we discuss the ongoing challenges central banks face in tackling inflation across different regions US, Eurozone and UK. Will rates continue to rise? Will inflation ever get down to the 2% target? And what does it all mean for markets, investors and savers? Remember nothing in this podcast is financial advice and when investing your capital is at risk. Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-05-1823 minImpact InvestingEp44 - ESG funds boom!In this ep we look at how explosion in the number of ESG branded funds has turned into a massive retraction with fund managers rushing to downgrade their own sustainability ratings. We also look at how ratings agency MSCI is getting stricter on ESG ratings. Remember when investing your capital is at risk and nothing in this podcast is financial advice. Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-05-0322 minImpact InvestingEp43 - UK Pensions: Who Really Benefits?In this episode, we will discuss the topic of pensions and their impact on the UK economy and individuals. The conversation will cover the key players involved, including Tony Blair and William Hague's 'New National Purpose' report, and the central question: Are pensions working for people or the UK economy?The Decline of Defined Benefit (DB) Pensions:The episode highlights that DB schemes, which were designed to provide salary-linked pensions to employees, are now closed to new pension savers due to their lack of safety. With exposure to equities decreasing from 61% in 2006 to 19% in 2022...
2023-04-2624 minImpact InvestingEp42 - Animal testing in ESG funds & should we invest in mining companies? This week we talk about companies with animal testing exposure in ESG funds. We also look at whether mining could ever form part of an impact portfolio.Nothing in this episode is financial advice and when investing your capital is at risk.Pension Comp T&Cs: https://circa5000.com/support/promotional-terms-pension-competition Hosted on Acast. See acast.com/privacy for more information.
2023-04-1924 minImpact InvestingEp41 - The state of the U.K. (U.K. economy special!)This week it’s the long awaited U.K. economy special. There’s no way it can live up to the hype but at least we finally got around to recording it.Remember nothing in this podcast is financial advice and when investing your capital is at riskGet in touch: podcast@circa5000.comPension Comp T&Cs: https://circa5000.com/support/promotional-terms-pension-competition Hosted on Acast. See acast.com/privacy for more information.
2023-04-1129 minImpact InvestingEp40 - Is ESG missing a D? plus what does OPEC+ reducing oil supply mean for impact investorsThis week we discuss the recent oil price rises as a result of the OPEC+ reducing oil supply by 1m barrels a day. We also ask whether ESG is missing a D?!This podcast is not financial advice and when investing your capital is at riskGet in touch: podcast@circa5000.comPension Comp T&Cs: https://circa5000.com/support/promotional-terms-pension-competition Hosted on Acast. See acast.com/privacy for more information.
2023-04-0520 minImpact InvestingEp39 - "The ESG Mirage", Is ESG evolving? This week we discuss whether ESG is moving beyond being just a risk framework and how marketing, press articles and greenwashing is warping what people think of as 'ESG'.When investing you capital is at risk. Nothing in this podcast is financial advice.Get in touch: podcast@circa5000.comPension comp terms: https://circa5000.com/support/promotional-terms-pension-competitionISA comp terms: https://circa5000.com/support/promotional-terms-isa-matched-giveaway Hosted on Acast. See acast.com/privacy for more information.
2023-03-2926 minImpact InvestingEp38 - ISA vs LISA vs Pension & Oil shareholders revolt! This week we review how wrong our budget predictions were. Discuss ISAs vs LISAs vs Pensions and how shareholders of BP and Shell are planning to vote against management to force climate action. When investing you capital is at risk. Nothing in this podcast is financial advice. Get in touch: podcast@circa5000.com Pension comp terms: https://circa5000.com/support/promotional-terms-pension-competitionISA comp terms: https://circa5000.com/support/promotional-terms-isa-matched-giveawayBritish bank awards (VOTE!): https://smartmoneypeople.com/CIRCA-5000-Reviews/products Hosted on Acast. See acast...
2023-03-2326 minImpact InvestingEp37 - UK Budget preview & Silicon Valley Bank We discuss predictions for the UK budget ahead of the announcement by Jeremy Hunt on 15th March. We discuss the impact on climate start ups of the failure of Silicon Valley Bank.Pension comp terms:https://docs.circa5000.com/website_policies/2023-pension-giveaway-t-cs.pdf?utm_source=Iterable&utm_medium=email&utm_campaign=pension-compBritish Business Bank Awards (please vote) https://smartmoneypeople.com/CIRCA-5000-Reviews/product/Investment-App/review Get in touch: podcast@circa5000.comRemember when investing your capital is at risk and nothing in...
2023-03-1426 minImpact InvestingEp36 - How have markets started 2023 & Joe Biden enters the ESG wars Vote for us in the British Bank Awards: https://smartmoneypeople.com/british-bank-awards/review This week we talk about the war on ESG in the US and take a look at how markets have started the year. (Tom also manages to mention Elon Musk - again!) Remember when investing your capital is at risk and nothing in this podcast is financial advice. Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-03-0923 minImpact InvestingEp 35 - 10 Investing myths debunkedIn this episode we we run through 10 common investing myths Remember when investing your capital is at risk and nothing in this podcast is financial advice Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-02-2123 minImpact InvestingEp34 - Impact Investing UpdatedThis week we are discussing impact investing! Remember when investing your capital is at risk and nothing in this podcast is financial advice. Get in touch with your questions podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-02-1424 minImpact InvestingEp33 - 10 ISA tips in 10 minutesA new quickfire episode - we give our 10 ISA tips in 10 minutes! Nothing in this podcast is financial advice, when investing your capital is at risk. Send us your questions: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-02-0711 minImpact InvestingEp32- What do cannabis, the metaverse & pet care have in common? Thematic investing reviewedIn this episode we make the case for and against thematic investing. We look at the different types of funds. What does a 'bad' thematic fund look like? Can thematic investing be part of a proper investment portfolio and why the industry has got it wrong when it comes to thematic funds. Remember when investing your capital is at risk and this podcast does not provide financial advice. We are not making any recommendation to buy, hold, sell or short any fund or stock. Get in touch: podcast@circa5000.com Hosted...
2023-01-3132 minImpact InvestingEp31 - Pensions - will you have enough money to retire?This week we take another look at pensions and the generational shift in what people can expect in retirement. Pensions have changed - generous defined benefit schemes are almost completely gone and defined contribution schemes put the risk of not having enough in retirement on you, not your employer. We discuss this, as well as, how inflation affects your retirement plans, whether you should think of your home as a pension, and what you can do to increase your chances of a well funded retirement. Nothing in this podcast is financial advice and when investing your...
2023-01-2433 minImpact InvestingEp30 - What's happened to Tesla? and Electric Vehicles' dirty secret This week we are looking at what has happened to Tesla - the stock has fallen over 70% and Elon Musk is now the first person in history to lose $200bn. We look at the lessons that can be learnt from this for long term impact investors. We also discuss the dirty supply chains of the electric vehicle industry and Tom promises to end the episode with some good news!Youtube video we reference: https://youtu.be/CIWvk3gJ_7E This podcast is not an invitation or recommendation to buy or sell and stock...
2023-01-1726 minImpact InvestingEp29 - Is ESG woke or broke? Woke-washing, ESG & impact This week we are talking about the war on woke capitalism. Why has ESG become such a politicized issue in the US? Why is ESG being confused with "woke-washing"? What does this all mean for the future of ESG and impact investing? Nothing in this podcast is financial advice, when investing your capital is at risk. Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-01-1021 minImpact InvestingEp28 - Predictions for 2023Happy New Year! Here are our predictions for 2023 - accuracy not guaranteed! Nothing in this podcast is financial advice and when investing your capital is at risk Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2023-01-0125 minImpact InvestingEp27 - A review of 2022We take a look back at the major events that shaped financial markets in 2022. Nothing in this podcast is financial advice and when investing your capital is at risk Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2022-12-2724 minImpact InvestingEp26 - Finance tips from ChatGPT (And more things to do with your money in 2023)The second part of our top 10 tips for 2023. We also look at whether ChatGPT can come up with better tips than us (you decide!) As always when investing your capital is at risk and nothing in this podcast is financial advice. Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2022-12-2124 minImpact InvestingEp25 - 10 things to do with your money in 2023We give (the first 5 of) our top 10 tips for what to do with your money in 2023. Remember nothing in this podcast is financial advice and when investing your capital is at risk. podcast@circa5000.com to get in touch Hosted on Acast. See acast.com/privacy for more information.
2022-12-1320 minImpact InvestingEp24 - ESG inflows in the "year of pain"We take a brief look at what's happened to markets in 2022 with FT declaring it the 'year of pain'. We look at what has caused an negative year for both stocks and bonds and why greener funds have seen big inflows this year when non-ESG funds experienced outflows.Remember when investing your capital is at risk and nothing in this podcast is financial advice.Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2022-12-0127 minImpact InvestingEp23 - Q&A - Is Elon Musk an impact hero? Can crypto be an impact investment? And more....We're back for another Q&A episode. We (attempt to) answer: What happened at COP? The lowest CO2 emitting world cup - is it real? What's the deal with the UK windfall tax? Is Elon Musk an impact hero or villain? and Can crypto be included in an impact investment portfolio?As always please remember nothing in this podcast is financial advice and when investing your capital is at risk.Get in touch podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2022-11-2328 minImpact InvestingEp22 - Autumn Statement Reaction - Recession from Russia? Black hole from Britain?On the day of the Autumn Statement we take a look at the challenge Chancellor Jeremy Hunt faces in balancing growth, inflation and economic stability. We then watch the Autumn Statement and return with our reactions.Remember when investing your capital is at risk - nothing in this podcast is financial or tax advice. Get in touch: podcast@circa5000.com Hosted on Acast. See acast.com/privacy for more information.
2022-11-1727 minImpact InvestingEp21 - Will Rowe, Founder & CEO Octopus HydrogenTom and Matt learn all about green hydrogen from Will Rowe, Founder and CEO of Octopus Hydrogen! Book mentioned in the ep: The Hydrogen Economy https://tinyurl.com/y43427xw Nothing in this episode is financial advice and when investing your capital is at risk Hosted on Acast. See acast.com/privacy for more information.
2022-11-1626 minImpact InvestingEp20 - Copa-Cola, COP27 - 1.5 Dead or Alive?This week we discuss COP27 and what it means for impact investors and the climate. Is the hope of restricting global temperature rises to 1.5 degrees dead or alive? When investing your capital is at risk and nothing in this podcast is financial advice. email: podcast@circa5000.com to get in touch. Hosted on Acast. See acast.com/privacy for more information.
2022-11-0927 minImpact InvestingEp19 - What's with all the greenwashing? Is ESG useless? What’s with all the greenwashing? Is ESG useless?This week we are talking about greenwashing. We look at what it is and some recent examples. We focus in on the investment industry and what regulators and consumers are doing to try cut through the greenwashing. We go on to discuss ESG and whether it has any use at all!Remember when investing your capital is at risk and nothing in this podcast is financial advice.For more about CIRCA5000 see www.circa5000.com Hosted on Acast. See ac...
2022-11-0324 minImpact InvestingEp18 - Rishi Sunak - No Money, Mo Problems!Tom returns for Episode 18! We're recording on the day that Rishi Sunak becomes the UK's latest Prime Minister. We look back at how we got here and what the options for the new PM are when balancing growth, inflation and economic stability. Rishi Sunak comes to power with the same (if not more) problems that the previous two Prime Ministers but with some lasting damage from the failed 'mini-budget'. We look at the problems facing the UK in a global context and how the UK is specifically affected in some key areas. We...
2022-10-2521 minImpact InvestingEp17 - Jonathan Bland (A.K.A The Pension Geek)This week we welcome our first ever guest on the podcast - Jonathan Bland of Pension Geeks! We hear the story of Pension Geeks and Pension Awareness Day. We also talk about what the current economic climate means for pensions and how to deal with the 'Shoe box of Shame'! Find out more at: https://pensiongeeks.com/ https://pensionawarenessday.com/ Remember nothing in this podcast is financial advice and when investing your capital is at risk. www.circa5000.com Hosted on Acast. See acast...
2022-10-2030 minImpact InvestingEp16 - Is it best to not invest? Divestment vs. EngagementDivestment on the rise - hitting $40tn in 2022 - driven by people campaigning organizations they are connected with e.g. universities, faith organizations, pension schemes. But Bill Gates argues that “Divestment, to date, probably has reduced about zero tonnes of emissions". This week we are talking about divestment - the process of opting to not invest in areas such as fossil fuels. We look at whether divestment is the best approach for impact investors or whether sticking with the big polluters and engaging with them to change is the best approach. As always no...
2022-10-1319 minImpact InvestingEp15 - Bonus Episode - Blue Earth Summit Podcast - Matt and Tom InterviewIn this Bonus Episode we share our interview with the Blue Earth Summit Podcast. Remember nothing in this podcast is financial advice and when investing your capital is at riskTheir show notes: Summary Tom McGillycuddy and Matt Latham, Co-Founders of CIRCA5000 tell us how and why we should consider investing in sustainable businesses. Description“If you were trying to find the perfect company to invest in, you’d never make a single decision. There are always trade offs.”Tom McGi...
2022-10-1026 min
Blue Earth Summit PodcastHow to invest in meaningful projects“If you were trying to find the perfect company to invest in, you’d never make a single decision. There are always trade offs.”Tom McGillycuddy and Matt Latham are Co-Founders of CIRCA5000, an impact investing app based in the UK. The pair created the app to make it easier for people to put their money into sustainable businesses, without it costing the earth and say they’re banking on a future that humanity features in.The pair tell host Laura Nesbitt why everyone should care where they’re investing their money, they share their top tips o...
2022-10-0726 minImpact InvestingEp14 - Q&A - Growth! Growth! Growth! Is economic growth the only way to save the world? and other questions...We are back with another Q&A episode, we (attempt to) answer:Is economic growth the only way to save the world?With interest rates rising should I invest or pay down my mortgage?When will markets calm down?How do I work out what size pension I need to retire? What happened to UK pension funds last week? Are there any reasons to be positive right now? As always nothing in this podcast is financial advice. When investing your capital is at risk.
2022-10-0622 minImpact InvestingEp13 - Sterling takes a poundingAfter the recent mini budget in the UK sent the pound tumbling we take a look at what this means for long term impact investors.podcast@circa5000.comThis podcast is not financial advice - when investing your capital is at risk. Hosted on Acast. See acast.com/privacy for more information.
2022-09-2818 minImpact InvestingEp12 - THE PENSIONS SPECIAL!This week is the pensions special! We look at the scale of the 'missing pensions' problem in the UK. Talk about the benefits of pensions for long term saving and investing. Discuss the practical steps you can take to take control of your pension and find any missing money owed to you. How you should think about pensions as a tool for making a positive impact. We also shamelessly plug the CIRCA5000 tracing and transfer services. When investing your capital is at risk. Nothing in this podcast should be considered financial advice. As...
2022-09-2220 minImpact InvestingEp11 - Q&A - "Will Liz Truss make me rich?" ...and other questions!We are back after a break for holidays! This week we answer some of your questions: How can I spot greenwashing? Why is liquidity important if I'm a long term investor? How can I tell if an investment is risky? Should I stop paying into my pension during the cost of living crisis? Will the new Prime Minister affect my investment portfolio? As always you can get in touch podcast@circa5000.com When investing your capital is at risk, nothing in...
2022-09-1524 minImpact InvestingEp10 - The best time to start investingThis week we try to answer the question "When's the best time to start investing?"We first look at the reasons people don't invest:There are other priorities e.g. debt / cost of living, Think they don't have enough money / you need a lot to invest, Worried that timing is wrong and investments will fall in value, They don’t understand how / think they need expertise.We discuss where new (and old) investors can make mistakes and how thinking long term is the key to successful investing regardless of when you cho...
2022-08-2525 minImpact InvestingEp9 - It's not all about climate changeThis week we talk about the other side of impact investing. The people side of investing for both people and planet. We lift the lid on two work in progress themes we are developing in the areas of Health and Wellbeing and Social & Economic Empowerment. We we look at both the investment case and impact case for investing in both areas, the types of companies that might fall into these investment themes and how to judge an investment's positive impact vs potential negative outcomes. As always please get in touch on podcast...
2022-08-1823 minImpact InvestingEp8 - The most powerful man in the world (Part 2)In Part 2 - we look at the Inflation Reduction Bill again - now it has passed the Senate vote. What it means for climate change and faith in politics. We also discuss the influence of Joe Manchin again and how his relationship to big oil has set the course of US policy on climate. In light of this we discuss a BBC documentary series called 'Big Oil vs the World' which looks at the history of big oil companies using their influence in politics, science and the media to deny, cast doubt on and delay action against...
2022-08-1133 minImpact InvestingEp7 - The most powerful man in the world (Part 1)This week has been a good week for Big Oil and the Climate… In this episode we discuss record breaking profit for oil companies, we also talk about the Inflation Reduction Act - the largest package of funding for climate change initiatives in US history that also promises to solve inflation. We look at the history of the bill - and how the climate spend has been negotiated down due to the nature of the US political system and we reveal who we think is currently ‘the most powerful man in the world’! ...
2022-08-0423 minImpact InvestingEp6 - Inflation, dinosaurs, fossil fuels & nuclearIts Episode 6! We've gone all in and moved to the Liverpool Podcast Studios to improve sound quality - hopefully our new found professionalism shines through.We start off by discussing the front page of The Economist which declares that 'ESG' is 'Three letters that won't save the world'.The article is discussed on this episode of The Economist podcast: https://open.spotify.com/episode/4jK2OdWmluRGXdYb69KCaa?si=333b81cd420d4839We also discuss whether inflation means it's time to give up on trying to have a positive impact when investing...
2022-07-2634 minImpact InvestingEp5 - HEATWAVE SPECIAL! (Investing for a cooler future...)Welcome to Episode 5 - A.K.A The Heatwave Special!!In this episode, as UK temperatures reach new record highs we ask 'can impact investing create a cooler future?' We run through a quick reminder of what the purpose of impact investing is. We discuss the scale of the climate problem and the cost to solve it. We then look at the obvious, and not so obvious, areas that you could invest in as an individual. And what the actual impact you have is when you invest your money. As...
2022-07-1922 minImpact InvestingEp4 - Can you be a passive impact investor?In this episode we discuss whether it is possible to be a 'passive' impact investor. We take a deeper look at ETFs as a way of impact investing. We explain the 'nuts and bolts' of using ETFs to invest for yourself. We look at the difference between 'passive' and 'active' investing as an impact investor. And examine the difference between ESG vs Impact ETFsWe also look at how you can be an activist investor through both actively and passively investing. Remember this podcast is not financial advice...
2022-07-1426 minImpact InvestingEp3 - Impact InvestingIn another unplanned / unscripted and unedited episode we discuss: What is impact investingWhat is the argument for making money and having a positive impact at the same timeESG - and why it isn't impact investing Greenwashing And how you should think about balancing impact with what you need personally from your investments e.g. risk, access etc As always we'd love to hear from you at podcast@circa5000.com This podcast is not financial advice and when investing your capital...
2022-07-0528 minImpact InvestingEp2 - The 4 things you need to know about investingIn this episode we discuss in more detail the four key parts of investing (as we see it)... 1) Think long term 2) Invest regularly 3) Diversify 4) Make an impact Please share your thoughts / feedback / comments to podcast@circa5000.comThanks, Matt & Tom This podcast is not financial advice and when investing your capital is at risk. Hosted on Acast. See acast.com/privacy for more information.
2022-06-2823 minImpact InvestingEpisode 1 - IntroWe thought we would give an introduction to the podcast and invite you to send your feedback both positive and negative to podcast@circa5000.com! Let us know what you would like to cover in future episodes or if you would like us to pack it in. Our marketing team would like us to make it clear that they have had no part in this low quality production! (Except for Jen that we roped in to recording the intro / outro) Thanks, Matt & Tom Hosted on Acast. See acast.com...
2022-06-2807 minImpact InvestingTrailerImpact Investing from CIRCA5000 - podcast trailer Hosted on Acast. See acast.com/privacy for more information.
2022-06-2800 min
Change Makers: Leadership, Good Business, Ideas and InnovationTom McGillycuddy – Investing in a human future: how to thrive in the year 5000Michael is joined by Tom McGillycuddy, co-founder of CIRCA5000, describing itself as “the investment platform of the human future.”
With a vision of a thriving planet in the year 5000, the company asks us to question whether people will be included in that future. And the answer to a certain human future? Impact investing.
CIRCA5000 offers its customers the chance to invest in the sustainable businesses enriching the planet. Launched in 2019 as tickr, alongside business partner Matt Latham, the company now has more than 150,000 investors and has had its own purposeful credentials recognised through B Corp status.
2022-06-1729 min
The Purpose Made PodcastTom McGillycuddy CIRCA5000: Investing in ImpactIn today’s episode, we chat with the superb Tom McGillycuddy. Tom is the co-founder of CIRCA5000, an impact investing platform launched alongside co-founder Matt Latham in 2018. CIRCA5000 lets investors invest in “responsible businesses that see the value in our continued existence.” Their platform gives people the opportunity to focus investments in three categories – people, planet, or people & planet. The investment themes include clean energy, clean water, sustainable food, healthcare, education and cybersecurity. CIRCA5000 are banking on a future that humanity features in and during this episode, we focus on:✅ A background to Tom and Circa5000
2022-06-0147 min