Making Money

How I Max Out My ISA on an Average Salary

30 Mar 2026

Contributed by Lukas

Have you ever felt it is too late to start investing? Dave is 46, and he started investing at 44. He’s just managed to max out his ISA this year. Ho...

8 Million UK Workers Won’t Have Enough to Retire

23 Mar 2026

Contributed by Lukas

Will your pension actually be enough for retirement? Or are you heading for a shortfall without realising it? Al Miles is an investment actuary who ha...

⁠Every Tech Boom Ends the Same Way

16 Mar 2026

Contributed by Lukas

The S&P 500 once delivered 17 years of zero real returns. Could it happen again? Jim Reid is the Global Head of Macro Research at Deutsche Bank. In a ...

What Happens to Your Money if You Die Tomorrow?

09 Mar 2026

Contributed by Lukas

More than half of adults in the UK don’t have a will. So what happens if you die without one?  Sam Grice is CEO of Octopus Legacy. If you’re li...

Are You Wasting Your Life Saving Money?

02 Mar 2026

Contributed by Lukas

Susan wrote into us: What do you think of the ‘Die with Zero’ philosophy by Bill Perkins? I know many people who work so hard that they never get ...

Don't Wake Up to Make Rich People Richer

23 Feb 2026

Contributed by Lukas

Timothy Armoo was twenty seven when he sold his company Fanbytes for tens of millions of pounds. He’s written the book he wish he’d had when he wa...

Your Retirement Plan Has a Fatal Flaw

16 Feb 2026

Contributed by Lukas

What if you live longer than you expect? Can you make your money last in retirement? Marianna Hunt is a personal finance specialist at Fidelity Intern...

Retiring at 65 Makes No Sense

09 Feb 2026

Contributed by Lukas

Is slow population growth going to change your retirement? Amlan Roy is an expert in demographics and has advised governments all over the world. He s...

The Financial System is Rigged Against Normal People

26 Jan 2026

Contributed by Lukas

What if personal finance wasn’t just complicated, it was actually rigged against you, Tarun Ramadorai, professor of financial economics at Imperial ...

What Politicians Won't Tell You About the Economy

26 Jan 2026

Contributed by Lukas

The 3 Investing Rules That Changed Warren Buffett’s Fortunes

19 Jan 2026

Contributed by Lukas

Ask anyone who the world’s best investor is, chances are, they’ll say Warren Buffett. Every move he makes makes headlines. Together with Charlie M...

Ben Felix: Investing is Simple, So Why Is Everyone Getting it Wrong?

12 Jan 2026

Contributed by Lukas

Ben Felix has one of the few personal finance channels I watch. Chief Investment Officer at PWL Capital, he also co-hosts  the Rational Reminder podc...

Financial Adviser Explains How to Get Ahead in 2026

05 Jan 2026

Contributed by Lukas

To kick off the year we asked for your biggest money questions, which we're answering with financial adviser and friend of the podcast, Lisa Conway-Hu...

How 2025 Changed How We Think About Money

29 Dec 2025

Contributed by Lukas

It’s our final episode of 2025! To celebrate, we’ve brought back the hat to answer your questions. What’s been our favourite episode? Which gues...

ARCHIVE: I Did Everything Right...Then Lost Nearly £20,000!

22 Dec 2025

Contributed by Lukas

Amy is a member of the Making Money audience. Many of us have made mistakes in our investing journey but not everyone is brave enough to come on and t...

⁠Your Biggest Investment Risk Isn't The Market, It's You

15 Dec 2025

Contributed by Lukas

Most of us just want to know one thing: what’s the best way to invest? Decades ago, William J. Bernstein had the same question, so he decided to fin...

Most People Don't Understand What Money Actually Is

08 Dec 2025

Contributed by Lukas

How To Own The World’ was probably the biggest influence on me getting into investing. Its author, Andrew Craig, has now released a new edition tail...

How Worse Off Will You Be After the Budget?

02 Dec 2025

Contributed by Lukas

Who are the winners and losers of the Budget? What happened to growth? Will the tax changes actually happen? We sat down with Helen Miller, Director o...

Stay Tuned...Budget Special Coming Later Today!

01 Dec 2025

Contributed by Lukas

Sorry there's no episode for you to get stuck into yet, that's because we're recording a special budget episode with the Director for the Institute of...

Self-Employed: What You Need To Know

24 Nov 2025

Contributed by Lukas

When is it the right time to open a limited company? How should you budget when you're self-employed? And how do you stay as tax-efficient as possible...

⁠Can Labour Fix The UK’s Pension Crisis? Torsten Bell MP

17 Nov 2025

Contributed by Lukas

Nearly half of working-age people are saving nothing for retirement — so what’s gone wrong, and what changes are coming? We sat down with Pensions...

Britain's Pension System Is In Danger

10 Nov 2025

Contributed by Lukas

We’re living longer, saving too little, and the state pension’s under pressure. So, can we actually afford to retire in the future?  Our favourit...

Should You Still Invest if You Think the Market Will Crash?

03 Nov 2025

Contributed by Lukas

The ‘AI Bubble’? The ‘Everything Bubble’?...Is the stock market actually overvalued? And what should you do about it? We’re in Manchester th...

The One Change That Could Solve Inequality - Nobel Prize Winner

27 Oct 2025

Contributed by Lukas

The free market hasn’t made us free — that’s the case Nobel Prize-winning economist Joseph Stiglitz makes in his latest book 'The Road to Freedo...

What I Learned Teaching Billionaire Kids About Money

20 Oct 2025

Contributed by Lukas

Maybe being good with money isn’t about never making mistakes — it’s about learning from them. Jessica McGawley helps ultra-wealthy parents teac...

Is the system designed to keep you poor?

13 Oct 2025

Contributed by Lukas

Why aren’t we taught about money — and who benefits from keeping it that way? Abigail Foster wants to fix the UK’s financial literacy problem. A...

Your taxes are about to go up (again)

06 Oct 2025

Contributed by Lukas

Are tax rises on the way? With taxes already at record highs but public services still under strain, the government faces tough choices. Helen Miller,...

Are you saving enough in your pension?

29 Sep 2025

Contributed by Lukas

Around 70% of people have no retirement plan, and most aren’t saving enough, says Joe Dabrowski, Deputy Director of Policy at Pensions UK. They are ...

Is it too late to start investing?

22 Sep 2025

Contributed by Lukas

What happens if you start investing late? Georgie Frost was in significant debt in her 20s and had only £1,500 in her pension at 31. Now she’s Edit...

The golden age of returns is over

15 Sep 2025

Contributed by Lukas

Whenever you see long-term stock market averages quoted, chances are they come from Elroy Dimson’s research. Together with Mike Staunton and Paul Ma...

100th episode: This changed how we invest

08 Sep 2025

Contributed by Lukas

It’s our 100th episode—has the podcast changed how we invest? What was our favourite episode? Who’s taller? We’re picking your questions out o...

Is now a good time to invest in gold?

01 Sep 2025

Contributed by Lukas

Is gold a good investment? It recently hit its highest price in real terms since the 1980s, but is it worth it? Ramin Nakisa is host of Pensioncraft a...

How to fix your pension before it's too late

25 Aug 2025

Contributed by Lukas

Are you making the most of your pension? Most people aren’t — and it could be costing them thousands. Journalist Alice Guy is former Head of Pensi...

The next economic shift has just begun

18 Aug 2025

Contributed by Lukas

Can AI boost living standards like the Industrial Revolution did—or will it be humanity’s last invention? Andrew Leigh is an economist, Australian...

How parents raise bad investors

11 Aug 2025

Contributed by Lukas

Are you teaching your children the right things about money? What is the impact of poor financial education? Do children who are paid for chores fail ...

Do we need to change our minds about index funds?

04 Aug 2025

Contributed by Lukas

What happens when the market changes — and you don’t? Can sticking to your strategy be the biggest risk of all? What can we learn from investors ...

ARCHIVE: How do you fix your money issues?

28 Jul 2025

Contributed by Lukas

Vicky Reynal is a financial psychotherapist who deals with a wide range of issues, from overspending to money secrets and self-sabotage. Her book, ⁠...

What to do when you disagree about money

21 Jul 2025

Contributed by Lukas

Do you and your partner disagree when it comes to investing? Are you a saver while they’re a spender — or is it the other way around? Does a 50/50...

Is buy-to-let dead?

14 Jul 2025

Contributed by Lukas

Is buy-to-let dead in the UK - and should it be? Rob Dix, one of the founders of Property Hub and both a landlord and tenant, breaks down how various ...

Are too many people passive investing?

07 Jul 2025

Contributed by Lukas

As you know, we’re big fans of passive investing — it’s simple, low-cost, and it works. But with passive funds now making up nearly 60% of US st...

Defined Benefit (DB) pensions: What you need to know

30 Jun 2025

Contributed by Lukas

Do you have a Defined Benefit (DB) pension but not quite sure how it works? Is there a way to retire early in a DB scheme? Is transferring out ever re...

Consider this before getting married

23 Jun 2025

Contributed by Lukas

Is getting a prenup just for the ultra-rich? What if it’s just smart planning for everyone? Family lawyer Ursula Danagher says financial conversatio...

Why wealth taxes fail - and what we should do instead

16 Jun 2025

Contributed by Lukas

Is a wealth tax the answer to fixing an unfair tax system? Tax expert Dan Neidle says no — and reveals why wealth taxes don’t work, how a land tax...

Is the global economy about to change forever?

09 Jun 2025

Contributed by Lukas

What’s really going on with the global economy? Is the U.S. heading for a recession — and could the UK be among the worst hit? Anatole Kaletsky, C...

Is there a 'right' way to invest?

02 Jun 2025

Contributed by Lukas

What can history teach us about investing? Is there a right way? Russell Napier—financial historian, author of The Anatomy of the Bear, and founder ...

How do you fix inequality?

26 May 2025

Contributed by Lukas

Living standards have stalled — you're worse off than 20 years ago. How do we fix it? David Willetts is a Conservative Member of the House of Lords ...

How to get a guaranteed income for life - annuities explained

19 May 2025

Contributed by Lukas

What are annuities and are they worth it in 2025? With interest rates rising, annuities, which give you a guaranteed retirement income, have been maki...

What's killing UK growth?

12 May 2025

Contributed by Lukas

Why isn’t the UK growing — and can it be fixed? Venture capitalist Jon Moynihan, appointed to the House of Lords by Liz Truss, lays out his case f...

How to not run out of money in retirement

05 May 2025

Contributed by Lukas

What if the market crashes or a recession hits just as you stop working — could you afford it? Financial planner George Agan breaks down the risks m...

What should you do if the market crashes again?

28 Apr 2025

Contributed by Lukas

We answer some of your top investing questions. We’ve seen massive drops this year—are we in for another crash? What should you do when the market...

Who's really crashing the economy? Ha-Joon Chang

21 Apr 2025

Contributed by Lukas

What is going on with the world's economy? It all started way before 2025 says Ha-Joon Chang, one of the world’s leading economists. He joins us to ...

ARCHIVE: Where do your taxes actually go?

14 Apr 2025

Contributed by Lukas

*This episode was published in December 2023* It feels like we pay a lot of tax in the UK but is that really true? Where do our taxes actually go? Ar...

Inheritance disputes: the ticking financial clock tearing families apart

07 Apr 2025

Contributed by Lukas

What happens if you die tomorrow? Do you have a will? 60% of people don’t — creating legal and emotional chaos. Meanwhile, 1 in 3 Brits are relyin...

How to get a pay rise: career coach's proven steps

31 Mar 2025

Contributed by Lukas

Do you think you're paid fairly? Yota Trom says you're probably not, but how do you get a pay rise? Yota's a career coach who's built a system that's ...

Have baby boomers rigged the system?

24 Mar 2025

Contributed by Lukas

From housing to wages to stability – younger generations are facing a very different situation to their parents. Were the baby boomers just in the r...

Will AI really deliver growth?

17 Mar 2025

Contributed by Lukas

Is AI going to solve our productivity problem? Diane Coyle is an Economist and Professor at the University of Cambridge where she looks at the economi...

The investing advice I wish I knew earlier - Toby Newbatt

10 Mar 2025

Contributed by Lukas

Can anyone learn to be good at investing? Toby Newbatt, a personal finance YouTuber (@TobyNewbatt), certainly thinks so. When he first started investi...

Can you change how you behave with money?

06 Mar 2025

Contributed by Lukas

How often do you question your money habits or what your saving or investing for? Anne-Laure Le Cunff is a neuroscientist and author of Tiny Experimen...

How worried should we be about China?

03 Mar 2025

Contributed by Lukas

What is happening to China? With a massive property market collapse, unsustainable levels of debt, and widespread data manipulation, is this the end o...

The wealth gap no one talks about

24 Feb 2025

Contributed by Lukas

The wealth transfer from baby boomers to their children is set to be the largest in history. This has created an unfair system—where parental wealth...

The 6 materials that really power the economy

17 Feb 2025

Contributed by Lukas

We often focus on companies like Tesla or ARM, but we rarely think about the materials that make their technology possible. Ed Conway is the Economics...

What will happen to markets in 2025?

10 Feb 2025

Contributed by Lukas

What will the next year bring for global markets? What impact will Donald Trump’s tariffs have? Will inflation rise? Katie Martin is a markets colum...

“I got rich when I stopped focusing on my finances” - Olly Richards

03 Feb 2025

Contributed by Lukas

A personal-finance obsessed former jazz musician, who speaks eight languages, and now runs one of the most successful education businesses in the coun...

How is your pension invested? An interview with Nest

27 Jan 2025

Contributed by Lukas

Do you have a workplace pension? If so, there's a good chance it's with Nest, one of the UK’s largest pension schemes, with over 13 million members....

How do you know if you're on track financially?

23 Jan 2025

Contributed by Lukas

We answer all your biggest questions for 2025: How do you know if you’re on track with your finances? How much do you need for retirement? ...

What will the world look like in 2050?

20 Jan 2025

Contributed by Lukas

What will the world look like in 2050? Will the US remain the largest economy, or will China or India take the lead? Can AI solve the challenges posed...

Pension expert: The one thing you must sort out this year

16 Jan 2025

Contributed by Lukas

Your pension should be your top priority this year. Tom McPhail, pensions expert at The Lang Cat and former Head of Policy at Hargreaves Lansdown, exp...

How to future proof your career and earn more money

13 Jan 2025

Contributed by Lukas

Your career and earnings massively impact your financial future, but with skills fast becoming obsolete, how can we make sure we succeed? Helen Tupper...

6 small changes to improve your finances in 2025

09 Jan 2025

Contributed by Lukas

Looking to sort your financial life out in 2025? Financial advisor and podcast favourite Lisa Conway-Hughes shares a bunch of small changes that could...

The new rules for building wealth

06 Jan 2025

Contributed by Lukas

Rob Dix says we can’t rely on the rules of the past to get the financial future we expect, and shares some new ideas for what we can do instead. Rob...

Why you need to change the way you think about money - Meaningful Money

30 Dec 2024

Contributed by Lukas

Pete Matthew believes our mindset about money shapes every decision we make with it. Without the right attitude and perspective, even the best financi...

ARCHIVE: The one thing you need to invest in (to beat 95% of professional investors)

23 Dec 2024

Contributed by Lukas

For Christmas we've gone into the archive to dig out one of our favourite episodes. Everyone talks about diversification, but how diverse do you real...

An economist’s guide to getting rich the right way

16 Dec 2024

Contributed by Lukas

Erik Angner is a PhD economist, philosopher, and author of ‘How Economics Can Save the World’. He says economics holds the answers to how we solve...

How do we really teach money skills?

09 Dec 2024

Contributed by Lukas

Vivi Friedgut is CEO and founder of Blackbullion, a fintech business that helps students sort out their finances. We say it a lot and it’s true, the...

Is this 'the World’s Craziest Investor'?

02 Dec 2024

Contributed by Lukas

Lionel Barber, former editor of the Financial Times, explores the story of SoftBank CEO Masayoshi Son, known as Masa, in his book ‘Gambling Man’. ...

The interest rate crisis has just begun

25 Nov 2024

Contributed by Lukas

Edward Chancellor is a financial historian, journalist and investment strategist. In 2008 central bankers brought interest rates to their lowest level...

UK mortgage expert: the key things you need to know

18 Nov 2024

Contributed by Lukas

We get loads of questions about mortgages so we thought we’d ask an expert and cover some other key things you should know about. We're speaking to ...

"I was doing everything right…then lost nearly £20k"

11 Nov 2024

Contributed by Lukas

Making Money listener Amy followed 'the right' steps investing for 15 years, but a few bad decisions ended up costing her tens of thousands of pounds....

The hidden crisis in the UK economy

04 Nov 2024

Contributed by Lukas

UK public companies are trading at 50p on the £1. We've decimated our public markets, which has a huge effect on the economy, stagnating wage growth....

UK Budget 2024: Deep dive with two of the UK's top finance experts

01 Nov 2024

Contributed by Lukas

In this session we streamed live. I break down the Budget with Paul Johnson, Director of the Institute for Fiscal Studies (IFS), and Claer Barrett, Co...

How to afford a good retirement - 9 levers to build wealth

28 Oct 2024

Contributed by Lukas

George Agan is a Chartered Financial Planner who’s helped thousands of people plan for their financial future. Can you afford the retirement you wan...

Labour MP: Why this Budget must tax the rich

21 Oct 2024

Contributed by Lukas

Liam Byrne is the Labour MP for Birmingham Hodge Hill & Solihull North. He’s written a book called ‘The Inequality of Wealth’. 🤝 Get 1:1 ...

How do you make the most of your workplace pension? Ask us anything

14 Oct 2024

Contributed by Lukas

You asked us: How do you stay motivated to save and invest when are years away from your goals? What do we think about the future growth for th...

What is the best way to save for your children's future? Ask Us Anything

07 Oct 2024

Contributed by Lukas

You asked us: How should those of us who have learned about investing and understand the meaning of these terms go about explaining these things t...

This is how you build wealth - The Plain Bagel

30 Sep 2024

Contributed by Lukas

Richard Coffin is the host of the Plain Bagel YouTube channel and one of the biggest financial content creators in the world. He’s a trained financi...

When’s the best time to sell? Your top investing questions answered

23 Sep 2024

Contributed by Lukas

We answer your biggest money questions - there's extra info below for some of the things we talk about in the episode. Yes, Trading 212 offer a flexi...

Is passive investing enough?

16 Sep 2024

Contributed by Lukas

There's always a nagging question re: index funds - will this long-term trend keep going forever? What about the different market conditions we're now...

Explained: Life insurance, income protection & critical illness

09 Sep 2024

Contributed by Lukas

It’s not pleasant thinking about dying or getting seriously ill, but what happens if terrible things happen to us? We chat with Naomi Greatorex, the...

Financial Psychotherapist: How do you fix your money issues?

02 Sep 2024

Contributed by Lukas

Vicky Reynal is a financial psychotherapist who deals with a wide range of issues, from overspending to money secrets and self-sabotage. Her book, Mon...

Premium bonds vs. high-interest savings account? Ask Us Anything

26 Aug 2024

Contributed by Lukas

You asked us: How can we efficiently purchase property for children? Or why is it not widely encouraged, likewise with pensions for children? W...

What % do we save a month? Ask Us Anything

19 Aug 2024

Contributed by Lukas

You asked us: If your employer will not match anymore than the required 3% - should you put surplus cash in the workplace pension, a stocks and sh...

Top economist: The next global crash is inevitable

12 Aug 2024

Contributed by Lukas

There have always been market crashes and there probably always will, so how do we navigate them with our personal finances? We're getting help from L...

How finance shapes the world

05 Aug 2024

Contributed by Lukas

Finance has been used for good and it's been used for evil. We get under the bonnet with Philip Roscoe, Professor of Management at the University of S...

The UK is the most unequal high-income country

29 Jul 2024

Contributed by Lukas

We're not going to lie, there's some pretty depressing analysis here because we learn quite how unequal the UK is - how little social mobility there r...

How to close the £100k wealth gap

22 Jul 2024

Contributed by Lukas

Women are so much worse off with their pensions than men - to the tune of about £100k on average. What is going on and how do we fix it? We're speaki...

How even facts can mislead you with money

15 Jul 2024

Contributed by Lukas

We think facts are always helpful because they're the truth but that's only half the story when it comes to our finances. Alex Edmans is an economist ...

Will you be hit by the UK pensions crisis?

08 Jul 2024

Contributed by Lukas

We can’t talk enough about the pension’s crisis. Most people aren’t saving enough for the life they are going to want and something has to be do...

Let's talk - podcast update!

07 Jul 2024

Contributed by Lukas

We've got news - we've started a new company called Most and have bought the Making Money podcast from Kindling Media. You can check out Most here: ht...

The truth about investing - Patrick Boyle

01 Jul 2024

Contributed by Lukas

As a trader, Patrick Boyle spent decades looking at data and using it to try to predict what’s going to happen. Now he is an ex-hedge fund trader an...

How do we get politicians to listen? Ask Us Anything

24 Jun 2024

Contributed by Lukas

You asked us: As parents, how do you cope with cost of parenting? How do we get politicians to listen to our financial concerns? 🤝 Get ...