730 episodes

Your money. Your life. Your problem? We’re so busy earning money, we don’t have time to learn how to manage it. But that’s where Money Clinic comes in. Each week, the FT’s money-making expert Claer Barrett responds to real-life money questions from a range of millennial guests. Every 25-minute episode is packed with nuggets, tips and takeaways shared by top FT writers and financial experts. Where and how to invest your cash is our main focus; going beyond crypto and ‘meme stocks’ for those who aspire to ‘get richer slowly’ and become more confident making financial decisions in the wake of the pandemic. From getting on the property ladder to finding side hustles that boost your income and making full use of tax-breaks, this podcast is on the money for millennials. There are no short-cuts to wealth, but Money Clinic promises to tell you things you didn’t know about your finances in ways that anyone can understand. Want to talk to Claer on the show? Email money@ft.com or drop her a line on Instagram @Claerb

Money Clinic with Claer Barrett Financial Times

    • Business
    • 5.0 • 1 Rating

Your money. Your life. Your problem? We’re so busy earning money, we don’t have time to learn how to manage it. But that’s where Money Clinic comes in. Each week, the FT’s money-making expert Claer Barrett responds to real-life money questions from a range of millennial guests. Every 25-minute episode is packed with nuggets, tips and takeaways shared by top FT writers and financial experts. Where and how to invest your cash is our main focus; going beyond crypto and ‘meme stocks’ for those who aspire to ‘get richer slowly’ and become more confident making financial decisions in the wake of the pandemic. From getting on the property ladder to finding side hustles that boost your income and making full use of tax-breaks, this podcast is on the money for millennials. There are no short-cuts to wealth, but Money Clinic promises to tell you things you didn’t know about your finances in ways that anyone can understand. Want to talk to Claer on the show? Email money@ft.com or drop her a line on Instagram @Claerb

    Repeat - Help! I need to sort out my pensions

    Repeat - Help! I need to sort out my pensions

    REPEAT: Putting all of your pension savings in one place to make it easier to manage your retirement plans sounds like a sensible idea — but it’s not necessarily the right solution for everyone. Claer Barrett meets 51-year-old Tina who has spent lockdown searching for all of her old pensions: some have performed better than hoped, but others have had high charges, and she has a gap in her UK state pension contributions due to working overseas. Experts Sir Steve Webb of Lane Clark & Peacock and Catherine Morgan, a financial planner behind the ‘In Her Financial Shoes’ podcast, provide tips for people of all ages looking to sort out their pension savings.


    If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.


    Further reading
     
    Let’s start with the basics. If you’re struggling to get your head around what a pension is, why you need one, and how they work, then check out this free to read column from Claer https://www.ft.com/content/05e5ded2-7a74-11e6-b837-eb4b4333ee43
     
    To track down lost pensions, try the UK government’s Pensions Tracing Service, which is free to use - but please do be careful of copycat websites run by commercial firms https://www.gov.uk/find-pension-contact-details
     
    To check how many years’ worth of UK state pension contributions you’ve made, what you could receive in retirement and if you have any missing years, use the government’s free Check your State Pension service https://www.gov.uk/check-state-pension
     
    The UK government page Your State Pension Explained contains more information on what counts as a qualifying year https://www.gov.uk/government/publications/your-new-state-pension-explained/your-state-pension-explained
     
    Read this UK government advice page about extra National Insurance contributions to your UK state pension https://www.gov.uk/voluntary-national-insurance-contributions
     
    Contact the Future Pension Centre to find out if you would benefit from voluntary NI contributions https://www.gov.uk/future-pension-centre
     
    The UK government’s International Pension Centre provides advice and information for those who have lived or worked overseas https://www.gov.uk/international-pension-centre
     
    Want to talk to someone about your pensions options? If you’re over 50, then you can use the UK government’s free Pension Wise service to get detailed guidance from an adviser on your retirement options https://www.pensionwise.gov.uk/en
     
    Emma Maslin, who blogs as The Money Whisperer, wrote this FT column asking self-employed women how good their pensions are https://www.ft.com/content/d443e491-6eef-4361-8220-3377a8adea47
     
    Finally, if you need some further pensions inspiration on social media, you can follow Catherine Morgan on Instagram @CatherineMorganMoney and Sir Steve Webb on Twitter @SteveWebb1. Catherine’s podcast is In Her Financial Shoes https://podcasts.apple.com/gb/podcast/in-her-financial-shoes-podcast/id1449065629
     
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    • 26 min
    How to ask for a pay rise - and get one!

    How to ask for a pay rise - and get one!

    This week, Money Clinic is having a pay rise takeover - we’ll be pulling apart that big, scary box labelled ‘Asking for a pay rise’ - and unpacking the dos, the don’ts, the tips and tricks for getting the salary you think you are worth.


    Visiting our pay-rise clinic today are three podcast listeners with three different financial predicaments: Natalie keeps getting knocked back when she asks for a raise; Max knows that he could get paid more elsewhere, and Charlotte is trying to negotiate a bonus that really matches the effort she puts into her job.


    With expert advice from Isabel Berwick, the Financial Times’ work and careers editor and presenter of the Working It podcast, and Jonathan Black, director of the University of Oxford’s careers service and the brains behind the FT’s popular ‘Dear Jonathan’ advice column, this is a podcast you can’t afford to miss. 


    Listen and subscribe to the Working It podcast: https://link.chtbl.com/0mRZG4fx


    Check out the Dear Jonathan column: https://www.ft.com/dear-jonathan


    Plus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1c


    Want to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB. 


    Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.
     
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    • 29 min
    How to invest for a greener future

    How to invest for a greener future

    Following the COP26 conference in Glasgow, many climate-conscious investors want to know how to match up their investments with their values. 


    The short answer is environmental, social and governance investing — ESG for short. But there are plenty of questions around how ‘green’ this really is.


    Thirty-year-old Harri appeared on one of the first episodes of Money Clinic last year, and his decision to invest in ESG funds appears to have paid off: he has made a decent return. However, he wonders how much this has been down to the underlying investment performance and how much because of the soaring popularity of ESG investments. With a record $3.9tn now held in sustainable assets worldwide, is this outperformance sustainable? 


    Claer is joined by the FT’s Manuela Saragosa and Share Action’s Catherine Howarth, who have put ESG investing to the test. They offer practical tips on how to make greener choices with your pension,Isa and becoming an activist shareholder. Plus, they debate how worried investors should be about ‘greenwashing’. 


    If you enjoyed this episode, check out five ESG themed episodes on the FT podcast Behind the Money. Want to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB. 


    Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.


    Clips: Sky News, CNBC International, UN Climate Change, Guardian News. 
     
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    • 23 min
    The financial secrets of footballers, part two

    The financial secrets of footballers, part two

    Many dream of being an elite footballer, but what’s it like actually earning a professional player’s salary? 


    In the second half of this two-part podcast special, Claer Barrett explores the darker side of earning staggering sums as a young player. Unscrupulous financial advisers, risky investments, gambling, injuries and early retirement can all cut short your earning potential - and there are lessons here for all of us. She hears from Gareth Farrelly, a former Premier League footballer who narrowly avoided death - and financial ruin - when his playing career ended, but has now reinvented himself as a top sports lawyer. Plus, former England player Sol Campbell and AFC Bournemouth full-back Jack Stacey reveal how they manage their money, and what listeners can learn from this. 


    If you liked the show, please leave a review. Want to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB


    For more about the business of sport, head to Scoreboard, the FT’s weekly briefing on the key financial issues affecting the global sports industry, at www.ft.com/scoreboard. 


    If you enjoyed this episode, check out this Financial Times article by sports reporter Sam Agini https://www.ft.com/content/6d074e57-adf3-494a-98b9-6d0bc169c440


    Or this article on the perils of making a fortune at a young age https://www.ft.com/content/a5297c2c-03fe-47e0-b13a-6d20f7d2b3f8


    Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.
     
    Clips: afcbTV
     
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    • 24 min
    The financial secrets of footballers, part one

    The financial secrets of footballers, part one

    Many dream of being an elite footballer, but what’s it like actually earning a pro player’s salary? Top football players earn staggering amounts of money, but even they are not immune from financial challenges. These range from planning for a career that could end by the age of 35 to teenage players struggling to manage such large financial windfalls. In the first half of this two-part podcast special, Claer Barrett speaks to former England player Sol Campbell and AFC Bournemouth full back Jack Stacey about the reality, both good and bad, of earning a footballer’s salary. Plus, Daniel Geey on why there’s so much money in football.


    If you liked the show, please leave a review. Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB


    If you enjoyed this episode, check out this Financial Times article by sports reporter Sam Agini https://www.ft.com/content/6d074e57-adf3-494a-98b9-6d0bc169c440 Or this article on the perils of making a fortune at a young age https://www.ft.com/content/a5297c2c-03fe-47e0-b13a-6d20f7d2b3f8


    Check out Daniel Geey’s book and podcast here: https://www.danielgeey.com/


    Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.
     
    Clips: afcbTV
     
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    • 24 min
    Introducing Working It: Can wellness apps fix us and beat staff burnout?

    Introducing Working It: Can wellness apps fix us and beat staff burnout?

    This is the podcast about doing work differently. Join host Isabel Berwick every Wednesday for expert analysis and watercooler chat about ahead-of-the-curve workplace trends, the big ideas shaping work today — and the old habits we need to leave behind. 


    Subscribe on Apple https://podcasts.apple.com/gb/podcast/working-it/id1591925469 - On Spotify https://open.spotify.com/show/5vNDHxEOc1pI1acJS7He5e Or wherever you get your podcasts.


    The wellness industry is a trillion-dollar business, and the pandemic has turbo-charged it. One of the biggest trends has been the rise in employers buying their staff access to meditation and fitness apps. But does this ‘quick fix’ approach work? And are there better ways to boost wellbeing ? 


    Isabel talks to Lorna Borenstein, chief executive of Grokker, a corporate wellness app about the reasons why she set up the platform and how clients and her own staff use it. It’s all part of a culture of taking care of employees - a topic Lorna has explored more deeply in her book It’s Personal, offering advice to other managers on how to help staff feel better [tl;dr: talk less, listen more].We also speak to FT colleague Emma Jacobs, about the corporate care culture. She is a little more skeptical. 


    We would love to hear from you - email us at workingit@ft.com. You can also follow @isabelberwick on Twitter and Instagram or reach out via email: isabel.berwick@ft.com. Thanks. 


    Mentioned in the podcast and other interesting reading:


    - Emma Jacobs’ prophetic pre-pandemic guide to workplace wellness by app: https://www.ft.com/content/d1d58aae-437c-11ea-abea-0c7a29cd66fe
    - FT series, Burnout: https://www.ft.com/burnout
    - Deloitte report [2020] on employee mental health showing £5 benefit for every £1 spent: https://www2.deloitte.com/uk/en/pages/consulting/articles/mental-health-and-employers-refreshing-the-case-for-investment.html  
    - Video, Emma Jacobs on how to detox from your smartphone: https://www-ft-com.newman.richmond.edu/video/b4115321-b915-3a42-9814-ad0be4c0e7f5?playlist-name=section-0b83bc44-4a55-4958-882e-73ba6b2b0aa6&playlist-offset=206


    Presented by Isabel Berwick. Editorial direction from Renée Kaplan. Assistant producer is Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music. Produced by Novel.
     
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    • 18 min

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