The Human First™️ Podcast

After a short hiatus we are back!In this episode of the Human First Podcast, Adrian Murphy, CEO of Murphy Wealth, and Financial Planner Sarah Stevenson explore the hidden cost of holding too much cash and why inflation could be quietly eroding your wealth.Using a real-world example, they compare the long-term impact of keeping £200,000 in cash versus investing it, discuss the psychological barriers that stop people from putting their money to work, and explain why having the right balance between cash savings and investments could make a significant difference to your future financial security.Follow Adrian on LinkedIn: linkedin.com/in/adrianmurphyceoFollow Adrian on Instagram: instagram.com/adrianmurphytriThis content is not financial advice. Please speak to a qualified financial adviser for guidance tailored to your circumstances. Hosted on Acast. See acast.com/privacy for more information.

In this short episode, Adrian Murphy, CEO of Murphy Wealth, explores what it really means to give your finances a seasonal reset and why spring cleaning your money isn’t about starting from scratch.Follow Adrian on LinkedIn: linkedin.com/in/adrianmurphyceoFollow Adrian on Instagram: instagram.com/adrianmurphytriThis content is not financial advice. For guidance tailored to your individual circumstances, please speak to a qualified financial adviser. Hosted on Acast. See acast.com/privacy for more information.

In this short episode, Adrian Murphy, CEO of Murphy Wealth, explores why we’re often comfortable investing for our children but more cautious with our own money.Nearly 80% of maximised Junior ISAs are invested in stocks and shares, yet many adults still hold their own ISAs in cash. Adrian discusses why this behavioural gap exists and what it means for your long-term financial strategy.Follow Adrian on LinkedIn: linkedin.com/in/adrianmurphyceoFollow Adrian on Instagram: instagram.com/adrianmurphytriThis content is not financial advice. Please speak to a qualified financial adviser for guidance tailored to your circumstances. Hosted on Acast. See acast.com/privacy for more information.

In this short episode, Adrian Murphy, CEO of Murphy Wealth, explores why many well-intentioned financial plans lose momentum, and how to build one that lasts.Follow Adrian on LinkedIn: linkedin.com/in/adrianmurphyceoFollow Adrian on Instagram: instagram.com/adrianmurphytriThis content is not financial advice. Please speak to a qualified financial adviser for guidance tailored to your circumstances. Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Human First Podcast, Adrian Murphy, CEO of Murphy Wealth, explores one of the most important conversations couples avoid: money.Talking about finances on a first date is more likely to give someone the “ick” than talking about marriage or children. Yet money remains one of the biggest sources of tension in long-term relationships.In this episode, Adrian breaks down:Why couples avoid money conversations (and what it’s really costing them)How “finance dates” can strengthen both your relationship and your financial futureThe difference between financial compatibility and financial alignmentSimple ways to start money talks without them turning into argumentsThis isn’t about spreadsheets or budgeting apps. It’s about clarity, communication, and building a shared vision for your future. Because love and money aren’t separate. If you’re building a life together, they go hand in hand.This content is not financial advice. Please speak to a qualified financial adviser for guidance tailored to your circumstances. Hosted on Acast. See acast.com/privacy for more information.

What if your money was secretly working against you?In this special Traitors Edition of The Human First Podcast, Adrian Murphy, CEO of Murphy Wealth sits down with Oliver Bass, Financial Planner, to put three common financial strategies to the test. Cash, investing, and pensions, which one really gets you to your goal first?Using a simple target of £120,000, they break down:Why cash often feels safest… but usually loses the raceHow investing can accelerate growthAnd why pensions often come out on top, not because of risk, but because of tax advantages and employer contributionsThree different strategies, one endgame.This episode isn’t about hype or hot tips, it’s about understanding the rules of the game and making sure your money isn’t quietly betraying you.This content is not financial advice. Please speak to a qualified financial adviser for guidance tailored to your circumstances. Hosted on Acast. See acast.com/privacy for more information.

The Autumn Budget: What It Really MeansIn this episode of the Human First podcast, Adrian Murphy and Neil Law break down the key changes from the Autumn Budget — and what they mean for business owners, investors, and high-net-worth families.They cut through the noise to cover:Why you shouldn’t react in hasteHigher taxes on business owners and propertyWhat salary sacrifice changes mean for pensionsISA reform and the shift from cash to investingVCT tax relief dropping to 20% — and why they’re still attractiveWhat to expect from the Scottish Budget nextTheir message is simple: don’t panic — plan.If you have a financial question that’s keeping you up at night, send it in, we’ll tackle the biggest ones next.Follow Adrian on LinkedIn: linkedin.com/in/adrianmurphyceoFollow Adrian on Instagram: https://www.instagram.com/adrianhumanfirst/ Hosted on Acast. See acast.com/privacy for more information.

The Budget has been everywhere but how much of what you’ve heard is actually happening, and how much is just noise?In this episode, Adrian Murphy sits down with Neil Law, Director of Financial Planning at Murphy Wealth, to separate fact from speculation and talk through what really matters for long-term planning.Together, they unpack the most common questions people are asking right now:What will and won’t change after the Budget?What could pensions and inheritance tax look like in the coming years?Where might tax tweaks actually land?And the big one: what’s the smartest move right now?Neil gives straight answers. Adrian pushes for what this means in real terms. And together they explain why staying calm, informed, and focused on your long-term plan is more powerful than reacting to headlines.If you have a financial question that’s keeping you up at night, send it in, we’ll tackle the biggest ones next.Follow Adrian on LinkedIn: linkedin.com/in/adrianmurphyceoFollow Adrian on Instagram: instagram.com/adrianmurphytri Hosted on Acast. See acast.com/privacy for more information.

In this short episode, Adrian Murphy, CEO of Murphy Wealth, explains why acting on rumours about tax-free lump sums can be risky.There’s a lot of chatter about tax-free lump sums being cut or disappearing altogether in the next Budget, and it’s causing panic. Some people are rushing to take as much as they can from their pensions 'just in case'.But once you take that money out, you can’t simply put it back. And acting too quickly could damage your retirement plan.Rumours aren’t a reason to make life-changing financial decisions. Even if rules do change, it rarely happens overnight and good advice will help you navigate them safely.This content is not financial advice. For guidance tailored to your unique needs and goals, please consult a qualified financial advisor. Hosted on Acast. See acast.com/privacy for more information.

In this short episode, Adrian Murphy, CEO of Murphy Wealth, explores why diversifying your wealth beyond property matters.If most of your wealth is in property, you might be more exposed than you think. Property markets move in cycles. They can rise for years, but they can also stall or fall sharply.True diversification isn’t just about owning different houses. It’s about spreading wealth across different investments to build resilience. When one area dips, the others can help balance things out.This content is not financial advice. For guidance tailored to your unique needs and goals, please consult a qualified financial advisor. Hosted on Acast. See acast.com/privacy for more information.