The Making Money Simple Podcast

🎟️ Top platform sign-up offers here📈 Trading 212* - free fractional share worth up to £100 hereMy investments are down over £10,000 in the last 30 days.It's not nice, but I'm not worried, and I'm not changing anything.In this one I share exactly how much I've lost, why dips like this are completely normal, what it means for you depending on where you are in your investing journey, and the things I keep in mind in times like thisThanks for listening!-----------------------------------------📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠download here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⏰ Timestamps0:00 I lost £10,187 in 30 days1:13 Why this is completely normal3:07 If in doubt, zoom out4:12 How often the market dips5:47 The three buckets7:30 Don't try to time the market8:39 Why an emergency fund matters

📈 Sign up for a Lightyear business account - Use code 'MMSBIZ' or this link to to claim up to £300 in a fractional share, ETF or MMF in your business account.To enter the code, you have to be a new business user who signed up within the last 15 days and haven’t used more than 1 code before. To claim up to £300 in free money market funds or shares, complete your business verification, have an active LEI number, and deposit at least £1,000 into your business account within 45 days after entering the code. You can also use code ‘MMSBIZ’ in the app to claim this offer. See full T&CS through my link above. Capital at risk. Promotional terms apply. Only invest excess capital. This is an affiliate link and I may earn a commission. 📈 If you don't have a business, you can still sign up for a Lightyear personal account:Use code 'MMS' or this link to claim £10-£100 in a fractional share or ETF of choice in a General Investment Account. See full T&CS through my link. Capital at risk. This is an affiliate link and I may earn a commission. ISA rules and promotional terms apply.Small UK businesses as a whole have £100 billion+ sitting in bank accounts earning peanuts.Unfortunately, I was one of those people...I've had cash sitting in business current accounts not doing very much, so I finally did something about it!In this one, we go through:The two main reasons why I've opened a business accountThe platform I've chosen and why The fees involvedWhat I've actually put the business money in Exactly how I'm saving money and investing moneyThe key considerations to think through before doing thisI hope it helps and if you have any questions, let me know! And as mentioned in this podcast, here is my YouTube video with my full Lightyear platform review!-----------------------------------------📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠download here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠

Markets have had a bit of a wobble recently, and a lot of people are asking if a crash is coming.Honestly, no one knows (unfortunately!). But falls are a normal part of investing, so in this one we go through:How often dips, corrections and crashes actually happenHow long they've lastedWhy timing the market rarely worksAnd how I'm preparing for the next one.Thanks for listening and I hope it helps!-----------------------------------------📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠download here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⏰ Timestamps:0:00 Intro0:38 Why people are worried right now1:42 How often do crashes happen?2:34 How long do crashes last?3:20 Can you time the market?4:32 How to prepare for a crash8:51 What I'm doing

What did you make of the UK budget?These were my initial thoughts, as well as how the budget will directly impact our own ISAs, pensions, and investments. -----------------------------------------📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠-----------------------------------------0:00 My honest take1:51 What's changed2:24 Bank stocks jumped3:19 Investing: what stayed the same4:30 U-turn on cash in a Stocks & Shares ISA5:37 New Starter ISA6:41 Cash ISA U-turns8:08 Savings & property tax9:35 Innovative Finance ISA9:56 Lifetime ISA change12:30 New First Time Buyer ISA15:10 Founders' Relief and trading allowance16:32 Pensions changes17:31 Wrap up

Gaby from @gabriellaxgoddard joined me on this podcast episode to discuss how she built a £100k investment portfolio by 22 years old.It wasn't an inheritance. Or a high salary. Or a stock that went up 10x.Instead, there were 5 things Gaby did consistently over half a decade, and she shares each one all in this episode.From not going to university, to side hustling, to workplace pensions and ISAs, and more. Listen to the episode for the full details!-----------------------------------------📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

⁠⁠⁠⁠Sign up to Trading 212⁠⁠⁠⁠⁠ Get free fractional shares worth up to £100 using the link above or use promo code 'MMS' in the app. Terms apply. Sponsored code. Capital at risk. Global Index Fund & ETF cheat sheet: download hereQuick note, this podcast episode was recorded before VALL was launched. The cheat sheet linked above has been updated to include the VALL ETF!In this podcast episode, we answer a question from Anand, comparing the various FTSE All-World funds available to us as UK investors. Thanks for the question Anand!If you have a question, feel free to email me: [email protected] -----------------------------------------📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

I met with Mitch from @MitchShoesmith in London to go through his investment portfolios, why he picked the investments he did, the mistakes he made, and more.⁠⁠⁠⁠Sign up to Trading 212⁠⁠⁠⁠ (or use promo code 'MMS' in the app)To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link. Terms apply.-----------------------------------------📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠-----------------------------------------⏰ Timestamps:0:00 - Intro0:25 - Vanguard S&S ISA4:36 - Vanguard SIPP6:38 - Switching to VALL?11:30 - Trading 212 S&S ISA19:19 - Advice to procrastinators

I met up with Christos from FellasFinance in sunny Cambridge to go through his investing journey, past mistakes and both of his actual investment portfolios.⁠⁠⁠Sign up to Trading 212⁠⁠⁠ (or use promo code 'MMS' in the app)To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link. Terms apply.-----------------------------------------📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠-----------------------------------------⏰ Timestamps:0:00 - The lazy path to wealth3:07 - Why Vanguard's ETF?5:45 - Vanguard portfolio15:49 - Trading 212 portfolio

Video mentioned in this episode - ⁠Will I Switch To VALL? My Plan For Every Account⁠VALL - Vanguard's new 0.07% global ETF - underlying holdings are finally out. That's exactly what we go through in this one!-----------------------------------------📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠-----------------------------------------⏰ Timestamps:0:00 - VALL data is out0:45 - Number of stocks1:52 - The data2:58 - Comparison to VAFTGAG4:36 - My 3 reservations Is now the time to invest? 7:23 - If you haven’t yet switched, should you now?8:09 - What I will do8:50 - My VALL plan

⁠Sign up to Sammie's app, Gains⁠⁠⁠Sign up to Trading 212⁠⁠ (or use promo code 'MMS' in the app)To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link. Terms apply.I met with Sammie from Up The Gains Money to go through his journey from being £24k in debt to now having over £200k invested. Including how he financially educated himself and built an app along the way.Plus, we got ambushed by a dog, some kids and a heard of cows... 🤣-----------------------------------------📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-----------------------------------------⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.-----------------------------------------📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠-----------------------------------------⏰ Timestamps:0:00 - Getting out of debt5:02 - Debt payoff methods7:34 - Financial education & investing