The Money To The Masses Podcast

Damien Fahy
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The Money To The Masses Podcast

Join Damien and Andy as they break down personal finance topics including investing, saving, budgeting and more, giving you the tools and knowledge to achieve your financial goals Each week, they cover three topics, cutting through unnecessary financial jargon, providing practical tips and actionable advice to help you make the most of your money. To provide feedback or ideas for future shows, contact: damien@moneytothemasses.com or visit https://moneytothemasses.com

  1. 3 DAYS AGO

    Ep 488 - Easy way I made £1k in a year, steps to improve your finances for 2025 & getting the most from MTTM

    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 Masses website, our budget planner, Damien's Money MOT tool, savings and mortgage rate tables and various social media channels. Damien then explain how he made over £1,000 in 2024 without even trying. He reveals exactly how he did it and highlights the money apps he used to help automate the process. Finally, he provides a checklist of steps listeners can take towards financial independence in 2025. Watch the whole show on YouTube ⁠⁠⁠here⁠⁠⁠: Check out this week's ⁠⁠⁠podcast article ⁠⁠⁠on the MTTM website to see the full list of resources from this week's show. 00:00 - MTTM Podcast Episode 488 03:52 - Getting the most out of Money to the Masses 18:04 - How I made over £1k without even trying 28:08 - Steps to Financial Freedom Follow Money to the Masses on social media: YouTube - ⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠ Facebook - ⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠ Instagram - ⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠  Tik Tok - ⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠ Support the podcast You can now support the MTTM podcast by visiting our  ⁠⁠⁠dedicated podcast page ⁠⁠⁠when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: ⁠⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠⁠ - Click to support the show Links referred to in the podcast: The Money to the Masses Homepage Dedicated podcast page - Help support the show 80 20 Investor Money MOT Deals Page Sign up to the free weekly newsletter Money saving guide FREE budget planner Best Mortgage Rates in the UK Best Savings Rates in the UK Best Savings Challenges Jam Doughnut review Which is the best cashback credit card? Build your own black book - MTTM Podcast episode 304 Create your own Black Book (PDF) Best budgeting apps in the UK The snowball method of repaying debt The best online will writing services

    41 min

  2. 29/12/2024

    Ep 487 - Investment Outlook for 2025

    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 at the end of 2025. Watch the whole show on YouTube ⁠⁠here⁠⁠: Check out this week's ⁠⁠podcast article ⁠⁠on the MTTM website to see the full list of resources from this week's show. 00:00 - Introduction and Overview of Predictions for 2025 02:07 - Market Predictions and Recency Bias 06:17 - Key Themes for 2025: Politics and Economics 11:08 - Gold's Performance and Future Outlook 12:21 - Artificial Intelligence: Opportunities and Risks 15:18 - Central Bank Policies and Their Impact 18:04. -The 60-40 Portfolio: Is It Doomed? 19:42 - The Future of the US Dollar and Market Implications Follow Money to the Masses on social media: YouTube - ⁠⁠https://www.youtube.com/moneytothemasses⁠⁠ Facebook - ⁠⁠https://www.facebook.com/moneytothemasses⁠⁠ Instagram - ⁠⁠https://www.instagram.com/moneytothemasses⁠⁠  Tik Tok - ⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠ Support the podcast You can now support the MTTM podcast by visiting our  ⁠⁠dedicated podcast page ⁠⁠when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: ⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠ - Click to support the show Links referred to in the podcast: Take out a free trial of 80-20 investor

    23 min

  3. 22/12/2024

    Ep 486 - 2024 Highlights

    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 about segments Check out this week's ⁠⁠podcast article ⁠⁠on the MTTM website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - ⁠⁠https://www.youtube.com/moneytothemasses⁠⁠ Facebook - ⁠⁠https://www.facebook.com/moneytothemasses⁠⁠ Instagram - ⁠⁠https://www.instagram.com/moneytothemasses⁠⁠  Tik Tok - ⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠ Support the podcast You can now support the MTTM podcast by visiting our  ⁠⁠dedicated podcast page ⁠⁠when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: ⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠ - Click to support the show Links referred to in the podcast: Loud Budgeting Free budgeting spreadsheet Ep 460 - Zero spend months Ep 466 - Debt to income ratios Speak to a mortgage broker (Get a free mortgage review) Ep 459 - Alternative ways to help children financially How to become a Millionaire (Podcast special) Concessionary mortgages explained Ep 478 - Future of cash savings Best savings accounts in the UK Best cash and online savings platforms in the UK Ep 448 - How to stack cashback Jam Doughnut review Ep 456 - Teaching the next generation about money

    1h 5m

  4. 14/12/2024

    Ep 485 - Best budgeting apps 2025, £100k pension pot income & read books and magazines for free

    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 be suitable for. Next, Damien reveals how much income you can get from a £100,000 pension pot. Finally, Damien explains how anyone can download books, magazines, newspapers and even audiobooks for free. Watch the whole show on YouTube ⁠here⁠: Check out this week's ⁠podcast article ⁠on the MTTM website to see the full list of resources from this week's show. 00:00 - Introduction to Episode 485 01:49 - Best Budgeting Apps for 2025 03:03 - Detailed Review of the Best Budgeting Apps for 2025 06:29 - Budgeting Apps Compared 15:44 - How much income can you get from a £100k pension pot 16:10 - Retirement living standards 20:05 - Retirement Income Options 28:36 - Accessing Free Books and Magazines 28:45 - Using the Libby App for Library Access Follow Money to the Masses on social media: YouTube - ⁠https://www.youtube.com/moneytothemasses⁠ Facebook - ⁠https://www.facebook.com/moneytothemasses⁠ Instagram - ⁠https://www.instagram.com/moneytothemasses⁠  Tik Tok - ⁠https://www.tiktok.com/@moneytothemasses⁠ Support the podcast You can now support the MTTM podcast by visiting our  ⁠dedicated podcast page ⁠when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: ⁠Money to the Masses Dedicated Podcast Page⁠ - Click to support the show Links referred to in the podcast: Best budgeting apps in the UK for 2025 Snoop review Emma review Moneyhub review Starling review Monzo review Revolut review How much can I get from £100k pension pot The best annuity for £100k

    32 min

  5. 09/12/2024

    Trump 2.0 & the Santa Rally - Damien's Market Update

    In this month’s investment market update, Damien explains how Trump's inauguration and the upcoming Santa Rally could impact investment markets as we head into the new year. Where to next and what do investors need to keep an eye on? #Investing #Markets #Finance #GlobalEconomy #Stocks Podcasts referenced in this month's show: https://moneytothemasses.com/news/podcast/mm-177 My name is Damien Fahy, founder of https://moneytothemasses.com/​​​ and each week I discuss what is happening in investment markets so that DIY and novice investors can make sense of what is affecting their investments. For more information about 80-20 Investor visit https://moneytothemasses.com/become-an-80-20-investor If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/​​​ Follow Money to the Masses on social media: Website - https://moneytothemasses.com/​​​ Facebook - https://www.facebook.com/moneytothema​​​sses Instagram - https://www.instagram.com/moneytothem​​​asses Twitter - https://twitter.com/money2themasses​​​ #Investing​​​ #StockMarkets​​​ #Shares #investing #moneytips #bonds #stocks #podcast #investingforbeginners

    8 min

  6. 01/12/2024

    Ep 484 - How to spot & avoid the latest top scams: Online, Offline & AI-Powered

    This week's episode is dedicated to scam awareness! Damien and Andy discuss the most common scams around online shopping, deliveries, and social media marketplaces. They also delve into the alarming rise of impersonation scams, including those involving HMRC and winter fuel payments. Finally, Damien and Andy examine the terrifying growth of AI-powered scams like voice cloning and deepfakes. We explain how many of these latest scams work and share practical tips on how to identify them and useful strategies on how to avoid becoming a victim. Watch the whole show on YouTube here: Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. 00:00 - How to spot and avoid the latest scams 04:30 - Online Shopping Fraud and scams revealed 13:53 - Understanding Card Not Present Fraud 15:22 - Tips for Safe Online Shopping 17:43 - Delivery Scams and How to Avoid Them 18:57 - QR Code Scams: What You Need to Know 21:09 - Impersonation Scams: Protecting Yourself 21:34 - Bank Scams and Verification Tips 25:09 - Understanding Impersonation Scams 26:18 - Winter Fuel Payment Scams 27:56 - AI Scams: Voice Cloning and Deep Fakes 35:36 - Resources and Support for Scam Victims Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses  Tik Tok - https://www.tiktok.com/@moneytothemasses Support the podcast You can now support the MTTM podcast by visiting our  dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Best budgeting apps in the UK for 2025 My bank helped fraudsters steal £4k from my children's savings What are the new APP fraud reimbursement rules?

    37 min
  7. Ep 483 - Trump trade 2.0, unwinding pre-Budget pension withdrawals & energy market update

    24/11/2024

    Ep 483 - Trump trade 2.0, unwinding pre-Budget pension withdrawals & energy market update

    In this week's podcast, Damien discusses the potential impact of Donald Trump's return to the presidency on investment markets. Next, Damien explains the implications for those who withdrew tax-free cash from their pensions ahead of the budget, focusing on the potential tax penalties they may face if they try to put the money back into their pensions before giving some alternative options for using the withdrawn funds. Lastly, Andy explains the changes to the energy price cap and advises listeners on whether now is a good time to fix their energy tariffs. Watch the whole show on YouTube here: https://youtu.be/EvDEvxCY7b 00:00 - Introduction to Money to the Masses Episode 483 05:27 - The Trump Trade: Market Movements and Predictions 08:30 - Will Trump being president be a positive thing for investment markets? 14:15 - Which asset classes performed best during Trump's last presidency? 18:34 - Performance of Asset Classes During Trump's Presidency 23:50 - Pension Withdrawals and Tax-Free Cash Concerns 25:20 - Can you put tax-free cash withdrawals back into a pension? 26:10 - Pension recycling - Be mindful before adding cash back into a pension 29:04 - Energy Price Cap Update and should you fix? Check out this week's   on the MTTM website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube -  Facebook -  Instagram -  Twitter -  Tik Tok -  Support the podcast You can now support the MTTM podcast by visiting our   when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only  save money  but could also earn  cashback  or take advantage of  exclusive offers  for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: Take out a free trial with 80-20 Investor Ofgem raises energy price cap by £21 per year from January Should I fix my energy prices? What are the cheapest fixed price energy tariffs?

    35 min
  8. Ep 482 - Introduction to investing, teaching children about the stock market & mortgage market update

    17/11/2024

    Ep 482 - Introduction to investing, teaching children about the stock market & mortgage market update

    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 millionaire. Damien also discusses an exercise that can be used to teach children about the stock market, investing and the wider economy. Finally, Damien explains what is going on in the mortgage market as fixed-rate deals continue to rise despite this month's Bank of England base rate cut. Watch the whole show on YouTube here: MTTM - Episode 482   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Follow Money to the Masses on social media:   YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Twitter - https://twitter.com/money2themasses Tik Tok - https://www.tiktok.com/@moneytothemasses   Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision.   You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.   Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.   Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: What are fractional shares and where best to buy them? Best investing apps in the UK Freetrade review Trading 212 review eToro review

    47 min
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About

Join Damien and Andy as they break down personal finance topics including investing, saving, budgeting and more, giving you the tools and knowledge to achieve your financial goals Each week, they cover three topics, cutting through unnecessary financial jargon, providing practical tips and actionable advice to help you make the most of your money. To provide feedback or ideas for future shows, contact: damien@moneytothemasses.com or visit https://moneytothemasses.com

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