The Money To The Masses Podcast
Episodes
Ep 543 - How to become an ISA millionaire & the Best ISAs for 2026
29 Mar 2026
Contributed by Lukas
In this week's episode, Damien discusses the increasing number of ISA millionaires and how you can join them. He then provides an extensive roundu...
Ep 542 - Where next for stock markets & Pay by Bank warning
22 Mar 2026
Contributed by Lukas
On this week's show, Damien breaks down the ongoing stock market slump and explore where US and UK markets might be heading next. Then, Andy discu...
Ep 541 - Rising Mortgages & Energy Bills: How to protect your money
15 Mar 2026
Contributed by Lukas
On this week's episode, Damien breaks down why the market is suddenly betting on Bank of England rate hikes instead of cuts, and the immediate imp...
Ep 540 - Investment Market Update: Middle East tensions & platforms paying most interest on cash
08 Mar 2026
Contributed by Lukas
In this episode, Damien discusses the recent escalation in the Middle East and its immediate effect on global stock markets, bond markets and the pric...
Ep 539 - Junior ISA myth exposed & a mortgage overpayment 'trick'
01 Mar 2026
Contributed by Lukas
In this week’s episode, Damien and Andy discuss new research that challenges the common fear that children will empty their Junior ISA savings the m...
Ep 538 - The worst stealth wealth destroyers
22 Feb 2026
Contributed by Lukas
In this episode, Damien identifies the "stealth" wealth destroyers that can quietly erode your long-term financial wealth. He reveals how th...
Ep 537 - Vanguard Global LifeStrategy review & What to do if you missed the online self-assessment deadline
08 Feb 2026
Contributed by Lukas
In this episode, Damien looks at Vanguard's newly announced "Global" LifeStrategy range. He provides a back-tested comparison versus the...
Ep 536 - Should you buy gold, how to do it & the risks
01 Feb 2026
Contributed by Lukas
On this week’s show Damien discusses what is driving the rally in gold and the current investment bank predictions for where the price of gold might...
Ep 535 - Small changes with big impact and filling your pension gap
25 Jan 2026
Contributed by Lukas
On this week’s show, Damien reveals the small changes you can make that can have huge positive impacts on your finances. Damien also discusses the a...
Ep 534 - HMRC tax return glitch warning & 2026 Housing market update
18 Jan 2026
Contributed by Lukas
In this week's episode, Damien highlights a critical glitch in HMRC's self-assessment tool affecting Capital Gains Tax reporting for the 2024/...
Ep 533 - New Year money resolutions that work & overpay your mortgage without cutting back
11 Jan 2026
Contributed by Lukas
On this week’s show, Damien shares how to set New Year financial resolutions that actually stick and how to build lasting, positive money habits for...
Ep 532 - Investment outlook for 2026 & Ways to improve your finances this year
04 Jan 2026
Contributed by Lukas
In this week's episode, Damien discusses the possible investment themes of 2026 as well as investment bank predictions of where stock markets will...
Ep 531 - Surviving an AI stock bubble & the best time to invest
21 Dec 2025
Contributed by Lukas
This week, Damien discusses some recent research into the best investment strategy to navigate a potential AI stock market bubble. Damien also explore...
Ep 530 - Should you switch your fixed energy tariff & pension credit explained
07 Dec 2025
Contributed by Lukas
This week, Damien and Andy explain why now might be a good time to fix your energy tariff. Even those already on a fixed-rate tariff may now be able t...
Ep 529 - Budget 2025 Special
28 Nov 2025
Contributed by Lukas
This week, Damien and Andy dig into the Budget to uncover the hidden changes the mainstream media missed. They also explain how the biggest announceme...
Ep 528 - Small financial habits to make or save you thousands
23 Nov 2025
Contributed by Lukas
In this week’s episode, Damien shares a list of small financial habits that have quietly saved (or made) thousands of pounds over the years. Damien ...
Ep 527 - Best valued stock markets & Why your credit rating might soon drop
16 Nov 2025
Contributed by Lukas
In this week's podcast Damien takes a look at stock market 'value' around the globe before revealing which sectors within the US stock mar...
Ep 526 - Budget 2025 predictions special
09 Nov 2025
Contributed by Lukas
In this week's show Damien discusses the upcoming Autumn Budget, providing a summary of the latest rumours and predictions, explaining how likely ...
Ep 525 - Rising annuity rates & Bank of England gilt surprise
02 Nov 2025
Contributed by Lukas
In this week's episode, Damien discusses the slowing of gilt sales by the Bank of England (quantitative tightening). He explains why it is happeni...
Ep 524 - Crypto ETNs explained & financial terms rebranded
19 Oct 2025
Contributed by Lukas
In this week's episode, Damien discusses a significant rule change that provides UK investors with a new, regulated way to access crypto assets. H...
Ep 523 - New car finance compensation scheme explained & investing in gold miners
12 Oct 2025
Contributed by Lukas
On this week's show Damien explains how the new car mis-selling compensation scheme, announced by the FCA this week, will work. He explains who wi...
Ep 522 - Wills, Charitable gifts & Marriage - the IHT benefits & pitfalls
05 Oct 2025
Contributed by Lukas
In this week's episode, Damien explains how leaving a gift to charity in your will can significantly reduce your inheritance tax (IHT) bill. He br...
Ep 521 - How I doubled my money in 10 years running my own portfolio
28 Sep 2025
Contributed by Lukas
In this week's podcast, Damien celebrates a major milestone as his publicly-run £50,000 portfolio approaches £100,000 after just 10 years. He sh...
Ep 520 - Best ways to earn cashback & The dangers of financial freedom
21 Sep 2025
Contributed by Lukas
In this week’s episode, Andy reveals the best bank accounts for earning cashback, gives an overview of the top cashback credit cards, and highlights...
Ep 519 - A guide to long-term asset funds & Trusts explained
14 Sep 2025
Contributed by Lukas
On this week's podcast, Damien takes a look at Long-Term Asset Funds (LTAFs). With the news that Hargreaves Lansdown will allow retail investors t...
Ep 518 - The key factors driving investment markets right now
07 Sep 2025
Contributed by Lukas
On this week's podcast, Damien provides a comprehensive investment market update, explaining the key factors that are driving markets as we head i...
Ep 517 - Savings rate traps & Why you might need to ditch the 4% retirement rule
24 Aug 2025
Contributed by Lukas
On this week's podcast Damien explains how the rise of short-term 'bonus' rates are creating a price war amongst providers. He reveals how...
Ep 516 - A simple strategy to help your child become a MILLIONAIRE
17 Aug 2025
Contributed by Lukas
We’ve talked before about the incredible power of long-term investing and compounding, particularly when growing wealth for children. I personally u...
Ep 515 - Important car finance mis-selling update & base rate surprise
10 Aug 2025
Contributed by Lukas
On this week's podcast Damien explains the latest development in the car finance mis-selling scandal and what action you need to take. He also discuss...
Ep 514 - Complete Buy-to-Let Guide, Little-known State Benefits & Latest 'DaMoney' Questions Answered
03 Aug 2025
Contributed by Lukas
In this week's podcast Damien provides a complete buy-to-let guide, including the latest tax rules and recent legislative changes. Next, Andy reveals ...
Ep 513 - State Pension Warning, 30% Water Bill Rise & DaMoney Data Revealed
27 Jul 2025
Contributed by Lukas
In this week's episode, Damien discusses the sustainability of the UK state pension, explaining why younger generations are likely to experience signi...
Ep 512 - Showing you Damoney - introducing our new AI Guidance tool
13 Jul 2025
Contributed by Lukas
In this week's episode Damien unveils his purpose-built AI guidance engine "DaMoney". Powered by 15 years of Money to the Masses guidanc...
Ep 511 - Buy or Rent (Which is best?), Make money from Credit Cards & Holiday Scam Warning
06 Jul 2025
Contributed by Lukas
In this week's podcast, Damien reveals whether Renting or Buying a property is best using his own purpose-built calculator. Next, he discusses two...
Ep 510 - Why your first £100k is the most important, Truth about Premium Bonds & Council Tax Changes
29 Jun 2025
Contributed by Lukas
This week Damien explains why saving your first £100,000 is the crucial milestone if you want to be wealthy. He then looks at Premium Bonds, revealin...
Ep 509 - Pension IHT changes, How much do you need to retire & Credit file hack
22 Jun 2025
Contributed by Lukas
In this week's show Damien explores the proposed changes to Inheritance Tax (IHT) on defined contribution pensions, set to begin in April 2027. He...
Ep 508 - UK Wealth Uncovered (Where do you rank?) & Winter Fuel Payment Update
15 Jun 2025
Contributed by Lukas
In this week's podcast, Damien examines the latest wealth data, which reveals the average wealth of UK households by age and region, looking at ev...
Ep 507 - UK Property Special: Latest on Mortgage rates, Products, Affordability tests & House prices
08 Jun 2025
Contributed by Lukas
In this week's podcast, Damien provides a comprehensive update on the UK property and mortgage market. He reveals the latest Bank of England inter...
Ep 506 - Ethical & sustainable investing explained, Cash ISA hack & Energy payouts
01 Jun 2025
Contributed by Lukas
In this week's episode, Damien takes a look at ethical and sustainable investing, explaining the FCA's new fund labelling rules (SDR) and shar...
Ep 505 - Pension transfer tips, 10 common credit myths & SIM swap fraud
25 May 2025
Contributed by Lukas
In this week's episode, Damien takes an in-depth look at pension transfers. He provides a list of pros and cons, shares the latest research on how lon...
Ep 504 - Holiday Scams, Tax Code Checks & Direct Debit Warning
18 May 2025
Contributed by Lukas
On this week's show, Andy highlights seven of the most prevalent holiday scams to watch out for as summer approaches. Next, Damien takes a look at...
Ep 503 - Cut prescription costs, my 10 year portfolio insights & get an energy refund
11 May 2025
Contributed by Lukas
On this week's show Damien explains how to cut the cost of prescriptions, particularly for those requiring multiple items or those receiving HRT. Dami...
Ep 502 - Changes to Help to Save, the latest on Gold and Warren Buffet insights
27 Apr 2025
Contributed by Lukas
On this week's show Andy explains how the Help to Save scheme works including how you can get a free £1,200 Government bonus. He also discusses the r...
Ep 501 - Trade war special
13 Apr 2025
Contributed by Lukas
In this week's podcast, Damien breaks it all down. We explain recent developments (which are changing by the hour), discuss the immediate impact on in...
Ep 500 - Celebrating our 500th podcast episode
06 Apr 2025
Contributed by Lukas
This week, Damien and Andy recorded their 500th podcast in Spiritland studios in Kings Cross. In this celebration episode they take a look back at the...
Ep 499 - Best Stocks & Shares ISAs in 2025, EV tax trick & Double-dipping warning
30 Mar 2025
Contributed by Lukas
On this week's show I reveal the best stocks & shares ISAs in 2025, providing a comprehensive review of the leading investment platforms and tradi...
*BONUS PODCAST* - How to build the perfect investment portfolio
25 Mar 2025
Contributed by Lukas
In this bonus episode of the Money to the Masses podcast, Damien is joined by Kyle Caldwell, Funds & Investment Education editor at Interactive In...
Ep 498 - Tax year checklist, Car finance mis-selling update & Chase bank changes
16 Mar 2025
Contributed by Lukas
On this week's show Damien runs through some of the financial planning considerations ahead of the tax year end. He then gives an important update...
Ep 497 - Best ways to boost your pension & Little-known credit card eligibility tip
09 Mar 2025
Contributed by Lukas
On this week's show Damien explains more than 20 ways to boost your pension pot. Damien also discusses why time is running out for some people aged be...
Ep 496 - Investing correlations, cash ISA raid & Moneyhub alternatives
02 Mar 2025
Contributed by Lukas
On this week's episode Damien discusses the importance of understanding the correlation between different asset classes when building a diversifie...
Ep 495 - Our best, worst, luckiest and unluckiest money decisions
23 Feb 2025
Contributed by Lukas
On this week's episode Damien and Andy talk about their best and worst money decisions ever. They also discuss how good and bad luck have affected the...
Ep 494 - Improve your odds of getting a mortgage, maximising pension income & energy price hack
16 Feb 2025
Contributed by Lukas
On this week's episode, we explain how to improve your chances of getting a mortgage. Then, we look at how you can maximise your retirement income...
Ep 493 - Best investing apps, top banks to switch to & the risks of paying via your banking app
09 Feb 2025
Contributed by Lukas
In this episode Damien provides an in-depth look at the best investment and trading apps for UK investors. He covers a range of scenarios to help list...
Ep 492 - Investors' behavioural biases, crowdfunding and financial planning week
02 Feb 2025
Contributed by Lukas
On this week's episode, Damien discusses seven of the main behavioural biases that can affect your investment decision making and hurt your invest...
Ep 491 - Should you fix your mortgage, best travel insurance checklist, money q's most get wrong
26 Jan 2025
Contributed by Lukas
On this week's episode, Damien discusses whether you should fix your mortgage or take out a tracker mortgage. He then talks about how to find the ...
Ep 490 - Turn £100 a month into £37k a year pension, bonds explained & self-assessment check
19 Jan 2025
Contributed by Lukas
In this week's podcast, Damien explains what's going on in bond markets and how rising bond yields could impact your personal finances, including mort...
Bond problems - Damien's Market Update
14 Jan 2025
Contributed by Lukas
In this month’s #DamiensMarketUpdate, Damien discusses the current state of investment markets, focusing on the downturn in equity markets and risin...
Ep 489 - Vanguard fee hike and best alternatives, check your credit report for free and tax rules for selling online
12 Jan 2025
Contributed by Lukas
In this week's episode, Damien discusses the recent changes to Vanguard's charging structure and how this will impact investors using its platform. D...
Ep 488 - Easy way I made £1k in a year, steps to improve your finances for 2025 & getting the most from MTTM
05 Jan 2025
Contributed by Lukas
In this week's episode, Damien and Andy explain the various ways listeners can get the most out of Money to the Masses, including the Money to the Mas...
Ep 487 - Investment Outlook for 2025
29 Dec 2024
Contributed by Lukas
In this week's episode, Damien discusses the possible investment themes of 2025 as well as investment bank predictions of where stock markets will be ...
Ep 486 - 2024 Highlights
22 Dec 2024
Contributed by Lukas
This week, Damien and Andy are bringing you the best of the best from 2024. An hour long special made up of listener favourites and the most talked ab...
Ep 485 - Best budgeting apps 2025, £100k pension pot income & read books and magazines for free
14 Dec 2024
Contributed by Lukas
In this week's episode, Damien provides a roundup of the best budgeting apps available in the UK, highlighting the features, fees and who they might b...
Trump 2.0 & the Santa Rally - Damien's Market Update
09 Dec 2024
Contributed by Lukas
In this month’s investment market update, Damien explains how Trump's inauguration and the upcoming Santa Rally could impact investment markets as w...
Ep 484 - How to spot & avoid the latest top scams: Online, Offline & AI-Powered
01 Dec 2024
Contributed by Lukas
This week's episode is dedicated to scam awareness! Damien and Andy discuss the most common scams around online shopping, deliveries, and social media...
Ep 483 - Trump trade 2.0, unwinding pre-Budget pension withdrawals & energy market update
24 Nov 2024
Contributed by Lukas
In this week's podcast, Damien discusses the potential impact of Donald Trump's return to the presidency on investment markets. Next, Damien explains ...
Ep 482 - Introduction to investing, teaching children about the stock market & mortgage market update
17 Nov 2024
Contributed by Lukas
In this episode Damien provides a guide to investing, sharing simple lessons and strategies that anyone can use to build wealth and even become a mill...
Ep 481 - How much should be in your pension, merging optimism & pessimism & Winter portfolio update 2024
09 Nov 2024
Contributed by Lukas
In this week's episode, I provide an update on my 'Winter investment portfolio', which uses an investment strategy aimed at capitalising on a seasonal...
Chinese Surprise - Damien's Market Update
24 Oct 2024
Contributed by Lukas
Welcome to Damien's Market Update for October 2024. Every month Damien will be dissecting the market and providing you with his own unique take on wha...
Ep 479 - Mortgage rate analysis and predictions, where next for the price of gold and free water-saving products
20 Oct 2024
Contributed by Lukas
In this week's episode, Damien discusses the latest developments in the mortgage market, explaining the rise in mortgage rates despite the recent cut ...
Ep 478 - Future of cash savings, investing in China & new APP fraud refund rules
13 Oct 2024
Contributed by Lukas
In this week's episode, Damien discusses the changing savings market, highlighting the rise of cash savings platforms and investment platforms that no...
Ep 477 - Impact of US election on your investments, ghost broker scams & lost child trust funds
06 Oct 2024
Contributed by Lukas
In this week's episode Damien discusses the potential impact of the upcoming US election on investment markets, including historical trends and why yo...
Ep 476 - Autumn Budget predictions, packaged bank accounts & AI voice scams
29 Sep 2024
Contributed by Lukas
In this week's episode Damien discusses the latest predictions of what might be announced in Labour's Autumn Budget, including capital gains tax and i...
Lessons learnt - Damien's Market Update
23 Sep 2024
Contributed by Lukas
Welcome to Damien's Market Update for September 2024. Every month Damien will be dissecting the market and providing you with his own unique take on w...
Ep 475 - Mortgage market latest, fractional shares update & tracing old pension pots
22 Sep 2024
Contributed by Lukas
In this week's episode Damien provides an overview of the mortgage market following the Bank of England's decision to keep the base rate at 5%, includ...
Ep 474 - What is happening with savings rates, how to get more than 5% interest & the best savings challenges
15 Sep 2024
Contributed by Lukas
As it's UK Savings Week this week's episode is a savings special. First, Damien discusses the outlook for UK savings rates and how time is running out...
Ep 473 - Exploring the efficient frontier, pension recycling & money mule warning
08 Sep 2024
Contributed by Lukas
In this week's episode Damien explains the concept of the 'efficient frontier' and how it can help investors build a portfolio with the highest possib...
Ep 472 - What to do in a stock market sell-off, share lending explained & too late to fix your energy?
01 Sep 2024
Contributed by Lukas
In this week's podcast Damien discusses stock market sell-offs and how markets typically behave after a slump. Next he explains what stock lending is,...
Ep 471 - Investing in physical gold, last-minute holiday T&Cs and Teacher discounts
18 Aug 2024
Contributed by Lukas
In this week's episode, Damien discusses the pros and cons of investing in physical gold, including fractional gold coins and the storage options with...
Ep 470 - Holiday Special: Travel insurance tips, taking money aborad and summer savings for kids
11 Aug 2024
Contributed by Lukas
In this week's holiday special, Damien provides some important travel insurance tips, highlighting key elements to look for in a travel insurance poli...
Ep 469 - Apps scams to avoid & what the Bank of England rate cut means for your money & investments
04 Aug 2024
Contributed by Lukas
In this week's podcast, Damien and Andy discuss the recent interest rate cut by the Bank of England and its impact on savers, borrowers, and investors...
Ep 468 - How often should you review your portfolio, the cost of pension advice & money decision that will help you sleep better
28 Jul 2024
Contributed by Lukas
In this week's podcast Damien discusses the optimal frequency for reviewing and updating an investment portfolio. Damien and Andy then discuss when to...
Is the Trump trade back? - Damien's Market Update
23 Jul 2024
Contributed by Lukas
Welcome to Damien's Market Update for July 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what i...
Ep 467 - New government's impact on your finances, important money steps & when to renew car insurance
14 Jul 2024
Contributed by Lukas
On this week's episode Damien discusses the potential impact of Labour's landslide victory on your finances, including potential changes to taxes and ...
Ep 466 - Investing in Nvidia, Debt to income ratios & funding later life care
07 Jul 2024
Contributed by Lukas
On this week's episode Damien discusses the skyrocketing share price of Nvidia, the AI chipmaker and its impact on investors' portfolios whether they ...
Ep 465 - How to get on the property ladder, Buy Now Pay Later turmoil & flight compensation rules
30 Jun 2024
Contributed by Lukas
In this week's podcast Damien discusses the various ways to get on the property ladder in 2024. Damien explains the different types of mortgage produc...
Ep 464 - Funding private healthcare, unforeseen risks & time to fix your energy?
23 Jun 2024
Contributed by Lukas
On this week's episode Damien discusses the growing trend of people opting to self-fund private medical care due to long NHS waiting times. Damien the...
Political shockwaves - Damien's Market Update
20 Jun 2024
Contributed by Lukas
Welcome to Damien's Market Update for June 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what i...
Ep 463 - Cheapest stock markets 2024, overdraft changes & car insurance must-knows
16 Jun 2024
Contributed by Lukas
On this week's show Damien explains the CAPE measurement and how it could help to identify undervalued stock markets. Damien then discusses the change...
Ep 462 - Phone theft advice, best performing funds & life insurance oversight
09 Jun 2024
Contributed by Lukas
On this week's show Damien and Andy discuss what to do if your phone is stolen and how to protect yourself from further financial fraud. Damien explai...
Ep 461 - Election impact on the stock market, New energy price cap & Festival/Concert refunds
26 May 2024
Contributed by Lukas
On this week's podcast Damien explains the latest changes to the energy price cap revealing how it will impact energy bills and whether now is a good ...
Greed is back - Damien's Market Update
21 May 2024
Contributed by Lukas
Welcome to Damien's Market Update for May 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it...
Ep 460 - Home swapping, zero spend months & interest rate forecasts
19 May 2024
Contributed by Lukas
In this week's episode Damien discusses the benefits of implementing a 'zero spend month' or 'limited spend month'. Damien also provides tips on how t...
Ep 459 - Share buybacks explained, alternative ways to help children financially & understanding energy bill cycles
12 May 2024
Contributed by Lukas
In this week's podcast Damien discusses share buybacks explaining what they are and the impact they can have on investors. Damien then look at various...
Ep 458 - Consistent investment funds, Debanking & car insurance renewal traps
05 May 2024
Contributed by Lukas
In this episode, I discuss my latest piece of investment research where I look at consistent funds, and reveal one global equity tracker fund that pas...
Ep 457 - Credit card minimum payment trap, Best mobile provider & Technical analysis revisited
28 Apr 2024
Contributed by Lukas
In this week's episode Damien provides some technical analysis on the FTSE 100 and the GBP/USD exchange rate, explaining where both might head next an...
Ep 456 - Record gold prices explained, teaching the next generation and taxable benefits
21 Apr 2024
Contributed by Lukas
In this week's episode I explain the possible reasons behind the significant increase in the price of gold in recent months. I also reveal how a conve...
Inflation's second wave? - Damien's Market Update
16 Apr 2024
Contributed by Lukas
Welcome to Damien's Market Update for April 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what ...
The future of the Money to the Masses podcast!
14 Apr 2024
Contributed by Lukas
Damien and Andy make an important announcement about the future of the Money to the Masses podcast. You can now support the MTTM podcast by vis...
Ep 455 - NS&I British Savings Bond launched, Loud budgeting & new free childcare rules
07 Apr 2024
Contributed by Lukas
On this week's episode Damien looks at the launch of the new NS&I British Savings Bond. How does it work, who is eligible and is it any good? Damien a...
Ep 454 - Best stocks & Shares ISA, the Perfect portfolio review & plunge energy pricing
31 Mar 2024
Contributed by Lukas
On this week's show we discuss the Best Stocks and Shares ISA for different types of investor. We also analyse whether our Perfect ISA Portfolio has m...
Ep 453 - Tax year end checklist, courtesy car sham & loan mis-selling
24 Mar 2024
Contributed by Lukas
On this week's show, Damien delves into how you could unexpectedly face thousands of pounds in charges for a 'courtesy' car provided by your car insur...