Beyond PiggyBanks

Shaping your child’s financial future, one simple step at a time
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Beyond PiggyBanks helps parents start investing early for their children so they can grow up with a powerful financial head start. Each episode explains simple, practical strategies to build wealth over time—no finance degree, large income, or complex tools required. Learn how small, consistent investments made early can grow into meaningful opportunities for your child’s future. Start early, stay consistent, and turn time into your child’s greatest financial advantage

  1. 6 days ago

    S2 Episode 7 — Inside the Portfolio

    There are two ways to get the medium pot wrong, and both of them are expensive. Leave it in a savings account for seven years because that feels responsible, and at 2.5% inflation thirty thousand becomes about twenty-five thousand two hundred in today’s money. The number in your account never went down. You just have 16% less than you started with, and nothing ever told you. Or put it in the same global equity fund as your long money, because that’s where the returns are — and then the market falls 30% two years before you buy. That isn’t a paper loss you calmly wait out. That’s a deposit that no longer exists. Last episode I sorted your money into three pots and left a question hanging: where do the lines between them actually sit? Today I answer it. And along the way I take apart one of the most repeated numbers in investing. In this episode I cover: • Why “10 years” is a convention rather than a finding — and what a century of bear markets actually shows• The two opposite ways people wreck the medium pot, and why the cautious one hides in plain sight• The difference between a bond and a bond fund — and why 2022 punished people who confused them• How to match an instrument to a date instead of guessing at your risk tolerance• The one question that decides your risk capacity, and it isn’t your age Three and ten are useful shorthands. Five and twenty are what the record actually says. Now you know both. S2 Episode 7 — Inside the Portfolio — show notes and full episode summary: https://www.beyondpiggybanks.com/episodes/episode-s0207.html

    S2 Episode 7 — Inside the Portfolio

  2. 8 Oct

    Bonus Episode 3 — The Mortgage, Part 2: Choosing the Rate

    Two hundred thousand borrowed, over thirty years, with a one percent spread. At the end of 2021 that payment is about 598 a month. Two years later — same loan, same spread, same house, same person — it is about 1,074. Nothing about that borrower changed. In Part 1 we chose the bank. Today we choose the rate, and that number is the reason the choice matters. Most people treat fixed versus variable as a prediction about where rates are going. It isn't one — and I'll show you what the question actually is. In this episode I cover: • What actually moves your reference rate, and how often yours resets• Variable, fixed and mixed — what each one buys you and what each one costs you• Why fixed is not simply the safe option, and the two different products that both get called "fixed"• The one question that decides it, which is about your budget and not the market• What repaying early costs, and what stretching the term really costs you Two episodes, two decisions. Choose the bank on total cost with at least three offers on the table. Choose the rate on whether your budget can absorb movement. Bonus Episode 3 — The Mortgage, Part 2: Choosing the Rate Show notes and full episode summary: https://www.beyondpiggybanks.com/episodes/episode-b0103.html

    Bonus Episode 3 — The Mortgage, Part 2: Choosing the Rate

  3. 24 Sept ·  Bonus

    Bonus Episode 2 — The Mortgage Part 1: Choosing the Bank

    Almost everyone shopping for a mortgage compares the wrong number. The rate you're quoted isn't the cost of your mortgage — it's one component of it. In this first of two bonus episodes, Jorge breaks down what you're actually paying: the reference rate the bank doesn't control, the spread it does, and the insurances and commissions that never appear in the headline figure. You'll learn why the same borrower gets meaningfully different prices from different lenders, why the insurance the bank sells you is rarely the cheapest available, why some of your costs rise every year without anyone asking your permission, and the one number worth comparing between offers. Plus the single most valuable thing you can do before signing — and why three offers beat two. Mortgages differ enormously between countries. The anatomy doesn't. Learn it once, and you can read any offer, anywhere. Part of The Foundation Years — a Beyond PiggyBanks series. Bonus Episode 2 — The Mortgage, Part 1: Choosing the Bank Show notes and full episode summary: https://www.beyondpiggybanks.com/episodes/episode-b0102.html

    Bonus Episode 2 — The Mortgage Part 1: Choosing the Bank

  4. 10 Sept

    S2 Episode 6 — Building the Engine

    The foundation is holding. You have an emergency fund, you know where your salary goes, and you know which debt works for you and which works against you. Now we build the thing that sits on top of it — the engine. This is the episode where your money stops being money and starts being a system. I'll be honest up front: this episode tells you to be more aggressive than you probably expect, and more careful than you probably expect. Both are true. They just apply to different pots of money. In this episode I cover: • What ten years of waiting actually costs — the same €200 a month, run twice, and the gap is bigger than you think• The three horizons, and why sorting your money by when you need it comes before any decision about risk• The mistake almost nobody warns you about — and it isn't being too aggressive• Why your income is an asset, why it isn't diversified, and how people accidentally bet their salary and their savings on the same outcome• The straight answer on what the long money actually goes into• Why the allocation you've been told to build may already exist — just not inside one account• How to start from a lump sum, from living at home, or from zero• The four rules of the engine Time is doing most of the work here. Your job is smaller than you think. S2 Episode 6 — Building the Engine Show notes and full episode summary: https://www.beyondpiggybanks.com/episodes/episode-s0206.html

    S2 Episode 6 — Building the Engine

  5. 27 Aug

    S2 Episode 5 — Good Debt, Bad Debt

    Last episode I called credit cards, instalment plans and personal loans the enemy in your wallet. This episode I need to correct something — debt itself is not the enemy. Some debt, used correctly, at the right time, for the right thing, is one of the most powerful financial tools available to you. The problem is that the line between the two is not obvious. And most people are asking the wrong question entirely. "Can I afford the monthly payment?" is the wrong question. There is a better one, borrowed from one of the most successful investors alive, and once you have it every debt decision you ever make becomes clearer. In this episode I cover: • The single question that separates productive debt from unproductive debt• Why a mortgage does something rent never does — and why that principle can still fail in practice• Student loans, and why "education is an investment" is too simple. The three things that have to line up before that debt makes sense• The grey zone — cars, laptops, tools of a trade. When borrowing passes the test, and when you are just very good at convincing yourself it does• The order that actually matters: what to clear first, what to build next, and when good debt earns its place• What to do if you are already out of sequence, because most people are Debt is a tool. What matters is whether you are using it, or it is using you. S2 Episode 5 — Good Debt, Bad Debt Show notes and full episode summary: https://www.beyondpiggybanks.com/episodes/episode-s0205.html

    S2 Episode 5 — Good Debt, Bad Debt

  6. 13 Aug

    S2 Episode 4 — The Enemy in Your Wallet

    It does not arrive looking like an enemy. It arrives looking like a solution. The credit card with the congratulations message. The pay in three instalments button at checkout. The personal loan that turns an impossible price into a manageable monthly number. None of these feel dangerous in the moment. That is exactly the point. In this episode I show you what these tools actually cost in real numbers. A $2,000 credit card balance at 20% interest, paid on minimum payments, takes nine and a half years to clear and costs nearly $1,900 in interest alone — almost the original amount, again, just in interest. I walk through how credit cards, buy now pay later, and personal loans really work, the five rules for using them without letting them use you, and what to do if you are already stuck. Because some of you are not wondering how to avoid the trap. You are already in it. This episode covers that too — debt consolidation, balance transfers, direct negotiation with your lender, and when more radical options are the right call. S2 Episode 4 — The Enemy in Your Wallet Show notes and full episode summary: https://www.beyondpiggybanks.com/episodes/episode-s0204.html

    S2 Episode 4 — The Enemy in Your Wallet

  7. 30 Jul

    S2 Episode 3 — The Emergency Fund

    You have been doing everything right. You know your numbers. You have started investing. The engine is running. Then something happens. The car. The job. The medical bill. The boiler. It does not matter which one — they all lead to the same place. You need money now, and you do not have it sitting anywhere. So you sell your investments. You stop your contributions. You put it on the credit card. And just like that, the engine stops. The emergency fund exists for one reason: to make sure that when life happens — and it will — your financial engine keeps running. In this episode I cover what it is, what it is not, how much you actually need, where to keep it, and how to build it as fast as possible. Three to six months of essential expenses. Separate. Accessible. Liquid. Built before you invest a single euro in anything else. Investing without an emergency fund is building on sand. This is the layer that makes everything else possible. The next episode covers the enemy in your wallet — credit cards, buy now pay later, and car loans. The tools designed to feel like help and cost you far more than they ever give back. S2 Episode 3 — The Emergency Fund Show notes and full episode summary: https://www.beyondpiggybanks.com/episodes/episode-s0203.html

    S2 Episode 3 — The Emergency Fund

  8. 13 Jul

    S2 Episode 2 — One Salary, Multiple Expenses

    You got the job offer. The number sounded solid. Then the first payslip landed — and the number that actually hit your account was different. That gap is where this episode starts. In this episode I break down what is really happening between gross salary and net salary — income tax, social contributions, pension, and the deductions that vary wildly by country. Then we go further: net salary minus expenses equals what is actually yours to work with — and most people never calculate that properly. I walk through the first foundational habit of this series — a two-phase tracking system that shows you exactly what lands, what leaves, and what is left. Not glamorous. Not exciting. But it changes everything that comes after. Visibility first. Choice second. That is where real money appears — not from earning more, but from keeping more of what you already earn. S2 Episode 2 — One Salary, Multiple Expenses Show notes and full episode summary: https://www.beyondpiggybanks.com/episodes/episode-s0202.html

    S2 Episode 2 — One Salary, Multiple Expenses
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Beyond PiggyBanks helps parents start investing early for their children so they can grow up with a powerful financial head start. Each episode explains simple, practical strategies to build wealth over time—no finance degree, large income, or complex tools required. Learn how small, consistent investments made early can grow into meaningful opportunities for your child’s future. Start early, stay consistent, and turn time into your child’s greatest financial advantage

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  • Creator
    Shaping your child’s financial future, one simple step at a time
  • Years Active
    2026
  • Episodes
    25
  • Rating
    Clean
  • Copyright
    © Shaping your child’s financial future, one simple step at a time
  • Show Website
    Beyond PiggyBanks