Money & Us

Anna Brading

Money and Us with Anna Brading is your reminder that it’s never too late to take control of your finances and change your life. Anna is a Certified Financial Education Instructor, author and mum who knows first hand what it feels like to do all the things you’re taught to do and still feel completely lost with money. She figured it out, changed her life, and has since built a community of over 250,000 people, written a bestselling book and has been invited to Parliament to advocate for better financial education for all. Now she’s here to help you do the same. Most of us were never taught how money really works. Almost three quarters of UK adults never received any financial education at school, so it’s no wonder so many of us feel overwhelmed, underprepared and like we’re somehow behind. We’ve convinced ourselves it’s too complicated, that we’ve left it too late, or that the advice out there just doesn’t apply to our lives. The reality of juggling work and kids, caring for elderly relatives, going through health challenges, and still showing up with a smile on our faces. What if the right conversation, at the right time, could change everything? Every week, Anna sits down with some of the UK’s leading experts for honest, real conversations about money in the context of real life. From entrepreneurship and investing to relationships, grief, addiction, parenthood and raising the next generation, these are the conversations that meet you where you are right now, not where you think you should be. Money and Us is a space where no question is too small, no starting point is too late, and nobody is made to feel judged or behind. Most of us are figuring this out as we go, and that’s exactly what this podcast is here for.

Episodes

  1. 5 days ago

    Everything You Need To Know About Investing with Joshua Raymond

    He spent his first six years working in the finance industry without investing a single penny of his own money. Today, Joshua Raymond is the Managing Director of one of the UK’s fastest growing investment platforms and one of the most straight talking voices on how everyday people can start building real wealth. 11.6 million adults in the UK are ready to invest but still haven’t taken the first step. Anna sits down with Joshua to break down exactly what is stopping them, why the barriers are far lower than most people think, and why the most important shift is not financial but psychological. Investing, he argues, is just another form of saving. We just don’t see it that way yet. From ISAs and ETFs to market volatility and the psychology behind our money decisions, these are exactly the conversations that Money and Us was created to have. No jargon, no overwhelm, just the clarity most of us have been waiting for. Key Moments: • The stat that will surprise you: 11.6 million UK adults are ready to invest but haven’t started yet• Why Joshua spent six years working in finance before investing a single penny himself• The catch and throw analogy that explains everything you need to know about long term investing• Why investing is just another form of saving and how that one realisation changes everything• The biggest blockers stopping people from investing and how to overcome them• What to do when markets are volatile and headlines are scary• How to actually start investing, step by step, from choosing a broker to making your first deposit• What wealth means to Joshua, and why his answer is about comfort, not luxury Chapters: 00:00 Intro 00:00:56 Fact or Fiction: 11.6 Million People Want To Invest 00:02:36 How Joshua Ended Up in Finance 00:04:24 Why He Waited 6 Years Before Investing 00:08:24 What XTB Actually Does 00:12:08 Why Covid Changed Investing Forever 00:16:24 Why Investing Should Be As Normal As Buying Coffee 00:20:13 Why Your Savings Could Be Losing Value 00:23:42 The Biggest Mistakes New Investors Make 00:26:35 What Happens When Markets Crash? 00:29:25 Why Millions Still Haven't Started Investing 00:32:26 Why Starting Small Beats Waiting 00:34:00 Why Joshua Is Terrible At Trading 00:37:20 Trading vs Investing: What's The Difference? 00:40:09 The Fear Of NOT Investing 00:44:26 A Beginner's Step-By-Step Guide To Investing 00:48:03 What Should You Invest In First? 00:51:08 You Don't Need Thousands To Start Investing 00:53:05 The Biggest Investing Myths Debunked 00:58:30 How To Build Wealth Over Time 01:03:45 Final Advice For First-Time Investors 01:06:00 Final Thoughts Follow Joshua Raymond at XTB: Instagram - https://www.instagram.com/xtb_uk?igsh=MTAya3l2eGE1YWd1cQ%3D%3D Facebook - https://www.facebook.com/xtb/?locale=en_GB X - https://x.com/XTBUK LinkedIn - https://www.linkedin.com/company/xtb/ Follow Anna Brading: Instagram -  https://www.instagram.com/mentoramoney/?hl=en-gbLinkedIn - https://www.linkedin.com/in/annajoybrading/Website - https://www.mentoramoney.com Follow Money & Us: Instagram - https://www.instagram.com/mentoramoney/?hl=en-gbTikTok - https://www.tiktok.com/@moneyanduspod?_r=1&_t=ZN-97TWiGIYTheYouTube - https://youtube.com/@moneyanduspod?si=eezWMsuQ7uY4ipBP Buy Money Mentor book here - https://amzn.eu/d/03ISOm6z Sponsor: XTB - https://geolink.xtb.com/FKPRM Capital at Risk. Investment Values May Rise and Fall

  2. 14 Jul

    Why Financial Anxiety Is Already Destroying The Next Generation with Abi Foster

    She was the shy one in her family, failed to shine in exams, and much to the dismay of her parents, quit her accountancy career to move to Australia and become a yoga instructor. Today, Abi Foster is not only a qualified accountant, but one of the UK’s leading finance content creators, author, presenter and founder of a business, Elent, taking financial education directly into schools across the country, teaching young people the money lessons most of us were never given. In this episode of Money and Us, Anna sits down with Abi for a candid and compelling conversation about the next generation, what they’re really worried about, and what we can all do to set them up differently. Youth unemployment in London is running at 26%. Young people are being priced out of the housing market before they’ve even started. Financial anxiety is already affecting their mental health. And yet money is still barely spoken about in schools, at home, or anywhere it actually matters. From the words we use about money at home, to home ownership, success and what wealth really looks like for a generation navigating a completely different world, this is the conversation that every parent, and every young person, needs to hear. Key Moments:• Youth unemployment in London is running at 26%, and Abi believes it’s only going to rise• Why the average millionaire is 55, and why young people have a dangerously distorted view of wealth• How the words we use about money at home shape our children’s financial beliefs for life• Why owning a house is no longer the success metric it once was, and what that means for the next generation• The four things every new parent should do for their child’s financial future• Why abundance, not scarcity, is the mindset Abi most wants to give young people• What Abi really thinks about financial education on the school curriculum• What wealth means to Abi, and why her answer is about freedom, not things Chapters: 00:00 Introduction & shocking facts about Gen Z and money01:17 The financial literacy crisis facing young people03:50 Abi Foster's childhood and entrepreneurial upbringing08:10 Why she became an accountant13:54 Leaving corporate life to teach financial literacy17:42 Why money still isn't taught properly in schools21:00 What students really want to learn about money25:54 The biggest financial challenges facing Gen Z28:50 How money affects children's mental health31:54 The money beliefs parents accidentally pass on34:16 Building an abundance mindset in children37:04 Why owning a house isn't the only definition of success42:08 Investing, pensions & building wealth beyond property44:50 Should you save for the future or enjoy your 20s?50:12 Is it ever too late to change careers?58:19 Why the education system needs to change01:06:20 Raising financially confident children01:12:00 Abi's book, practical money advice & final thoughts Follow Abi Foster: Instagram - https://www.instagram.com/abigailrosefoster/LinkedIn - https://abifoster.com/contactWebsite - https://abifoster.com Buy The Money Manual - https://amzn.eu/d/04QALTRj Follow Anna Brading: Instagram -  https://www.instagram.com/mentoramoney/?hl=en-gbLinkedIn - https://www.linkedin.com/in/annajoybrading/Website - https://www.mentoramoney.com Follow Money & Us: Instagram - https://www.instagram.com/mentoramoney/?hl=en-gbTikTok - https://www.tiktok.com/@moneyanduspod?_r=1&_t=ZN-97TWiGIYTheYouTube - https://youtube.com/@moneyanduspod?si=eezWMsuQ7uY4ipBP Sponsor: XTB - https://geolink.xtb.com/FKPRM Capital at Risk. Investment Values May Rise and Fall

  3. 7 Jul

    The Truth About AI That Nobody Is Telling You with Jamie Bartlett

    He interviewed Sam Altman in 2017, before most of the world had heard of him, spent hundreds of hours inside some of the darkest corners of the internet, from extremist forums to the darknet, and has become one of the most trusted voices on AI and society in the UK. Today, Jamie Bartlett is a five time author, tech journalist, and the person Anna wanted in her corner for this conversation. In this episode of Money and Us, Anna sits down with Jamie for a candid and compelling conversation about AI, money, and what it really means for all of us right now. Jamie talks openly about the dangers most people aren't aware of. The sycophancy built into every AI model that makes it almost impossible not to trust. The hallucinations that sound so convincing even experts get fooled. What AI really means for jobs, money, and the future of work, and how to use it wisely without being misled by it. This isn't a conversation for tech experts. It's for real people trying to navigate a world that's changing faster than most of us anticipated. Whether you're worried about AI, curious about it, or simply trying to figure out what it means for your life and your finances, this one is for you. Key Moments:• Why 3.5 billion prompts are entered into ChatGPT alone every single day• The golden rule of technology and why criminals and outsiders are always the earliest adopters• Why Jamie argued with Sam Altman in 2017 and what that conversation revealed• The story of Alan from Toronto and how AI hallucination combined with sycophancy led one man into a genuine delusion• Why every AI model is built to flatter you and why that's more dangerous than most people realise• What AI really means for jobs, money, and the future of work• How to use AI wisely without being misled• What wealth means to Jamie, and why his answer is about time, not money Chapters: 00:00 Intro00:00:45 Fact or Fiction: How Many AI Prompts Are Sent Every Day?00:02:34 Why Jamie Studies People, Not Technology00:04:23 The Story That Changed His Career00:09:59 Growing Up Around Computers00:12:59 When Jamie Realised AI Would Change Everything00:18:56 Why Language Is the Key to AI00:23:22 How AI Will Change Society Forever00:28:48 Why AI Lies and Flatters You00:39:02 The Man Who Thought AI Helped Him Invent New Maths00:46:55 Are Our Jobs at Risk?00:54:03 How Parents Should Prepare Their Children for AI00:57:41 The Best Ways to Use AI Creatively01:03:11 Should You Trust AI With Money?01:06:22 The Biggest Mistakes People Make With AI01:10:34 How to Write Better AI Prompts01:15:42 What the Future of AI Really Looks Like01:22:18 Final Thoughts Follow Jamie Bartlett: LinkedIn - https://uk.linkedin.com/in/jamie-bartlett-a091b6134 Instagram - https://www.instagram.com/jamiejbartlett/?hl=enX - https://x.com/JamieJBartlett Buy How To Talk to AI - https://amzn.eu/d/074Sznay Follow Anna Brading: Instagram -  https://www.instagram.com/mentoramoney/?hl=en-gbLinkedIn - https://www.linkedin.com/in/annajoybrading/Website - https://www.mentoramoney.comFollow Money & Us: Instagram - https://www.instagram.com/mentoramoney/?hl=en-gbTikTok - https://www.tiktok.com/@moneyanduspod?_r=1&_t=ZN-97TWiGIYTheYouTube - https://youtube.com/@moneyanduspod?si=eezWMsuQ7uY4ipBP Buy Money Mentor book here - https://amzn.eu/d/03ISOm6z Sponsor: XTB - https://geolink.xtb.com/FKPRM Capital at Risk. Investment Values May Rise and Fall

  4. 30 Jun

    The Woman Rewriting the Rules of British Entrepreneurship with Alex Depledge MBE

    She was bullied at school, didn’t fit in at university, and spent the first 20 years of her life trying to make herself smaller. Today, Alex Depledge MBE is a serial tech entrepreneur who has built and sold multimillion-pound businesses, and was appointed the country’s first ever Entrepreneurship Advisor to the Chancellor. In this episode, Anna sits down with Alex for a candid and compelling conversation about money, ambition, and what it really takes to back yourself when the world isn’t quite ready for you. Alex talks openly about the emotional reality of entrepreneurship, what it actually costs, and why the moment she stopped trying to fit in was the moment everything changed. She shares why failure is so much more valuable than we give it credit for, and what she has learned from building and selling multimillion-pound businesses. They also get into the bigger picture. What AI really means for the future of work, why entrepreneurial thinking is fast becoming a skill we all need, and what Alex is doing behind the scenes to make the UK a better place to build a business. Whether you have ever thought about working for yourself or you simply want to understand what it takes to think and act more boldly with your money and your life, this one is for you. Key Moments: • Why 64% of Gen Z want to be their own boss and what that tells us about the future of work• Growing up feeling like you never fit in and why your difference might be your greatest asset• The emotional reality of building, scaling and selling businesses• Why failure is more valuable than we give it credit for• What AI is going to mean for all of us• What Alex is working on behind the scenes as Entrepreneurship Advisor to the Chancellor• What wealth really means to Alex, and her answer might surprise you Chapters: 00:00 Intro 00:00:45 Fact or Fiction: Do 64% of Gen Z Want to Be Entrepreneurs? 00:02:05 Growing Up, Bullying & Never Feeling Like She Belonged 00:07:55 Why America Creates More Entrepreneurs Than the UK 00:12:16 The Moment She Stopped Playing Small 00:13:35 The Co-Founder Friendship That Changed Everything 00:15:43 Why We Need More Female Founders 00:18:27 Why Corporate Life Never Fit 00:20:53 From Safe Job to Starting a Business 00:22:03 The Idea That Became Hassle.com 00:23:03 The Phone Call That Changed Everything 00:25:08 How to Know When It's Time to Quit Your Job 00:26:42 What Great Employers Should Do Instead 00:29:35 Building an £8 Million Business Across Four Countries 00:31:23 Becoming a Mum While Scaling a Startup 00:33:31 Why Female Entrepreneurs Face Different Challenges 00:35:34 Starting a Business After Having Children 00:37:38 Why You Should Just Start 00:40:04 Selling a £32 Million Company 00:41:34 Success, Imposter Syndrome & Self-Worth 00:45:03 Becoming the Chancellor's First Entrepreneurship Adviser 00:50:49 Why Speaking Up Changed Everything 00:51:59 How to Stop Fear Holding You Back 00:57:18 The Future of AI, Work & Entrepreneurship 00:59:59 Happiness vs Contentment 01:00:21 Final Thoughts Follow Alex Depledge: Instagram: https://www.instagram.com/alexdepledge/?hl=en-gb LinkedIn: https://uk.linkedin.com/in/alexandra-depledge-mbe-22b57a14 Website: https://www.alexdepledge.com Follow Anna Brading: Instagram: https://www.instagram.com/mentoramoney/?hl=en-gb LinkedIn: https://www.linkedin.com/in/annajoybrading/ Website: https://www.mentoramoney.com Follow Money & Us: Instagram: https://www.instagram.com/mentoramoney/?hl=en-gb TikTok: https://www.tiktok.com/@moneyanduspod?_r=1&_t=ZN-97TWiGIYThe YouTube: https://youtube.com/@moneyanduspod?si=eezWMsuQ7uY4ipBP Buy Money Mentor: https://amzn.eu/d/03ISOm6z Sponsor: XTB - https://geolink.xtb.com/FKPRM Capital at Risk. Investment Values May Rise and Fall

About

Money and Us with Anna Brading is your reminder that it’s never too late to take control of your finances and change your life. Anna is a Certified Financial Education Instructor, author and mum who knows first hand what it feels like to do all the things you’re taught to do and still feel completely lost with money. She figured it out, changed her life, and has since built a community of over 250,000 people, written a bestselling book and has been invited to Parliament to advocate for better financial education for all. Now she’s here to help you do the same. Most of us were never taught how money really works. Almost three quarters of UK adults never received any financial education at school, so it’s no wonder so many of us feel overwhelmed, underprepared and like we’re somehow behind. We’ve convinced ourselves it’s too complicated, that we’ve left it too late, or that the advice out there just doesn’t apply to our lives. The reality of juggling work and kids, caring for elderly relatives, going through health challenges, and still showing up with a smile on our faces. What if the right conversation, at the right time, could change everything? Every week, Anna sits down with some of the UK’s leading experts for honest, real conversations about money in the context of real life. From entrepreneurship and investing to relationships, grief, addiction, parenthood and raising the next generation, these are the conversations that meet you where you are right now, not where you think you should be. Money and Us is a space where no question is too small, no starting point is too late, and nobody is made to feel judged or behind. Most of us are figuring this out as we go, and that’s exactly what this podcast is here for.

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