Mouthy Money: Building wealth with long term investing and saving strategies

Mouthy Money | UK finance podcast on building wealth
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Edmund Greaves and Chris Tuite host Mouthy Money - a UK finance podcast on building wealth with long term investing and saving strategies. From the stock market for beginners, to mortgage rates, fears of economic recession, whether to invest in gold and silver or what the consumer price index is, we look at complicated financial topics through a personal lens. With regular financial expert guests to unpick knotty issues, we've got you covered with weekly episodes.

  1. 3d ago

    Overpay the Mortgage or Max the Pension? The £600k Decision

    £500 a month has just freed up. Do you kill the mortgage — or supercharge the pension? When childcare costs drop, most households would love the problem Chris is facing: a few hundred pounds a month to redirect, and one big decision to make. Overpay the mortgage and be debt-free years early, or pour it into the pension and let compounding do the work? So Ed and Chris ran the real numbers on Chris's own finances — a £453k mortgage on a 29-year term, 27 years to retirement — and modelled both paths. The gap is bigger than you'd think: roughly £750k in the pension one way, around £1.3m the other. But as they get into tax relief, the spread between market returns and mortgage rates, what each route means for retirement income, and a smart way to clear the mortgage with tax-free cash, it becomes clear the spreadsheet answer isn't always the one you'd choose. In this episode: - How £500 a month becomes a six-figure difference over 27 years - Why a guaranteed 4.5% saved isn't the same as a hoped-for 7% earned - Where both options land against the "comfortable retirement" benchmark - Using your 25% tax-free lump sum to clear the mortgage — and the trap of doing it the wrong way - Why pensions and property are now taxed very differently when you pass them on Team mortgage or team pension? We'd love to hear how you'd play it. We don't give financial advice — we're talking through our own situations. Everything here rests on assumptions that will change, so if you're weighing this up yourself, speak to an FCA-regulated financial adviser. (0:00) The £500 question (1:39) Chris's 29-year mortgage problem (2:27) The reveal: £750k vs £1.3m (4:42) Why the real number could be higher (6:54) Shorting inflation & the 2.5% spread (8:48) Clearing the mortgage a decade early (9:30) What it means in retirement (11:09) Finishing the mortgage with tax-free cash (12:18) The inheritance tax trap: home vs pension (15:27) A two-pronged plan (17:39) The discipline problem (18:51) Inflation, rates & staying ahead (20:51) So, what did Chris decide? The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week.🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews📲 TikTok: https://www.tiktok.com/@mouthy.money📸 Instagram: https://www.instagram.com/mouthymoney/✍️ Substack: https://mouthymoney.substack.com/📩 Get in touch: editors@mouthymoney.co.ukListen anywhere:Spotify: https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4uApple: https://podcasts.apple.com/gb/podcast/mouthy-money/id1712308475Full disclaimer: Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.

  2. Jul 10 ·  Bonus

    Investing Stakes: The AI Stock Nobody Talks About (But Everyone Depends On)

    Every month, Ed and Chris put real money into their own strategies, run them live on Stratiphy and compare results with an expert on hand to explain the damage. If you want to explore Stratiphy or build your own rules-based portfolio, you can use our referral link: 🔗 https://www.stratiphy.io/referrals?code=INVESTINGSTAKES Disclosure: This is a referral link. We may receive a benefit if you sign up using it. This episode: Alphabet is in everyone's portfolio, but is there a smarter way to back the same story? Enter Corning — the 1851 glassmaker quietly building the fibre optics that AI data centres can't run without. Plus, Ed's portfolio flashes its first sell signal, and the gap between the two strategies starts to open up. Picks and shovels, bubble talk, and a lesson in why one day's performance tells you nothing. ⏱️ Chapters 00:00 Intro 00:48 Stratify update: concentration limits and rebalancing 02:42 Why Alphabet is in every portfolio — except Chris T's 03:57 The tech-sceptic case: waiting for the correction 06:01 Is Alphabet diversified enough to survive? 08:15 The fundamental view: valuations, CapEx and the cloud backlog 11:53 Corning: the picks-and-shovels alternative 14:12 Why a monopoly on the infrastructure beats picking winners 16:37 The strategies: scores on the doors 18:01 What's driving the gap — and the risk-adjusted picture 20:16 Ed's first sell signal 22:04 The one-day drop that means nothing 23:26 Final thoughts Capital at risk. This episode was made in partnership with Stratiphy. The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk Listen anywhere: Spotify: https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u Apple: https://podcasts.apple.com/gb/podcast/mouthy-money/id1712308475 Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results. Full disclaimer: Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.

  3. Jul 7

    How Much Cash Should You Actually Keep?

    Somewhere in Britain, someone has £40,000 in a savings account and can't tell you why. It crept up a pound at a time, each one buying a little more peace of mind. And most of it is now going backwards. We're taught that saving is the safe choice. But past a point, cash stops protecting you and starts costing you — and almost nobody can tell you where that point sits. This week, Ed and Chris Tuite work out how much cash you should actually keep. Three things that move your number: how safe your job is, what fallback options you have, and how well you sleep at night. Then the part most people skip — what to do once you hit your number, why you flip your saving ratio, and the £19,000 difference it makes over 20 years. Got a rainy day fund? Tell us your number in the comments. The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, weekly): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money.news 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results. Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.

  4. Jun 29

    Five Money Budgeting Hacks to Make Every Pound Work Harder

    Most of us treat our monthly budget like a fixed thing: money comes in, bills go out, and whatever's left is what's left. But that's rarely the whole story. In this episode, Edmund and Chris dig into how to sweat every pound in your budget — the five rules they actually use themselves, where they're getting it right, and where they're (cheerfully) getting it wrong. No "skip your morning coffee" clichés. Just honest, practical budgeting from two people who track this stuff to the penny — including the real numbers from Chris's own household and the framework Ed has used for a decade. What we cover: -Why you should always pay yourself first -The 50/20/30 rule — and when to ignore it -How to split bills fairly when you and your partner earn different amounts -Working out your "why" before you worry about the how -Good debt vs bad debt, and how to dig your way out The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe on YouTube: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results. Full disclaimer: Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.

    Five Money Budgeting Hacks to Make Every Pound Work Harder

  5. Jun 22

    How Chris secured a lower rate on his mortgage - and what his plan to do next is

    Mortgage rates were supposed to be climbing — Middle East tensions, inflation creeping back, every reason for lenders to get nervous. So how has Chris just secured a deal cheaper than the one he's on? In this episode he walks through exactly how he did it: the rate he's reserved, why he hasn't signed yet, the fix-vs-tracker decision we couldn't quite agree on, and how long he's got before the September deadline. If you've got a remortgage coming up, this is the one that could save you money.⚠️ We're not financial advisers and this isn't financial advice. Everything here is illustrative — we're sharing how we think about our own situations. Figures and projections are assumptions, and past performance is no guide to the future. Do your own research or consider speaking to a regulated adviser before making decisions.👍 Like and subscribe for new episodes every week.🎙️ Weekly podcast on Spotify, Apple & Amazon ✍️ In-depth writing at https://mouthymoney.substack.co.uk *MOUTHY MONEY**Our substack* https://mouthymoney.substack.co.uk *Get in touch* ⁠⁠editors@mouthymoney.co.uk ⁠⁠ *DISCLAIMER*_This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate._

    How Chris secured a lower rate on his mortgage - and what his plan to do next is

  6. Jun 16

    £100k Pension Tipping Point: What Happens Now?

    Chris has just passed £100,000 in his pensions — the "tipping point" where, in theory, your investment growth starts doing more work than your own contributions. In our last episode we explained what the tipping point is. This time it's personal: Chris has hit it, and the question is what comes next. Ed and Chris talk through the three big questions that follow the milestone. How did Chris get here, and what role did discipline, regular contributing and employer matching play? What should his portfolio look like now — and why is he rebalancing away from a heavy UK "home bias" toward a more global spread? And the one that quietly matters more as your pot grows: charges. Once you're into six figures, even a small percentage fee starts costing real money, and Chris walks through why drifting from a low blended cost to a higher one could cost him a six-figure sum over 25 years. Along the way: Charlie Munger's "first £100k is the hardest" idea, the rule of thumb that a pot can double every decade, why a million pounds in 25 years won't be worth a million in today's money, and when it's worth looking at a fixed-fee platform instead of a percentage-based one. ⚠️ We're not financial advisers and this isn't financial advice. Everything here is illustrative — we're sharing how we think about our own situations. Figures and projections are assumptions, and past performance is no guide to the future. Do your own research or consider speaking to a regulated adviser before making decisions. If you've got your own tipping point in mind — whether you're miles off it or already past it — tell us in the comments. We also collect listener questions to put to experts in the field, so drop yours below. 👍 Like and subscribe for new episodes every week. 🎙️ Weekly podcast on Spotify, Apple & Amazon ✍️ In-depth writing at mouthymoney.substack.com *MOUTHY MONEY* *Our substack* https://mouthymoney.substack.co.uk  *Get in touch* ⁠⁠editors@mouthymoney.co.uk ⁠⁠ DISCLAIMER This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

    £100k Pension Tipping Point: What Happens Now?

  7. Jun 9

    Investing Stakes: Is the AI bubble ready to burst?

    Anthropic — the company behind Claude — has filed confidentially for an IPO, with OpenAI and SpaceX circling public markets too. The valuations are staggering. But when expectations run this high, the debut itself becomes a test: is this a once-in-a-generation boom, or are the warning signs already flashing? If you want to explore Stratiphy or build your own rules-based portfolio, you can use our referral link: 🔗 https://www.stratiphy.io/referrals?code=INVESTINGSTAKES Disclosure: This is a referral link. We may receive a benefit if you sign up using it. In this episode of Investing Stakes, Edmund Greaves is joined by Chris Ling, Chief Investment Officer at Stratiphy, and Chris Tuite of MRM, to dig into what the Anthropic listing means for ordinary investors. We ask whether AI stocks are overvalued, why huge CapEx spending isn't yet matched by revenue, and what the recent pullback from firms like Uber, Duolingo and Microsoft tells us about the road ahead. We also look at the "picks and shovels" approach — backing the infrastructure around AI rather than betting the house on a single stock — and check in on how our own Stratiphy portfolios are performing. Catch earlier episodes in the Investing Stakes series to see how we got started with our £500 portfolios. Stratiphy uses systematic investment strategies based on momentum and moving averages to remove guesswork from portfolio management. Edmund and Chris are investing real money and tracking performance over time. Subscribe to follow the full series as the portfolios evolve. This series is produced in partnership with Stratiphy. Chapters 0:00 The AI IPO race: Anthropic, OpenAI, SpaceX  1:50 What is Stratiphy?  3:25 Why Anthropic is going public  4:55 Does the AI trade ring alarm bells?  6:05 The bubble case: when CapEx outruns revenue  9:55 How index funds force you into AI stocks  10:50 Can you stay cautious without sitting it out?  13:40 The semiconductor surge and calling the top 15:55 Portfolio check-in: how the strategies are doing  17:40 Picks and shovels: investing around AI  21:45 Is the hype being manufactured for the IPOs?  24:05 Wrap-up About Stratiphy Stratiphy is an investing app that helps everyday investors build and track systematic strategies using algorithmic investing and backtesting. Learn more about Stratiphy here:  https://www.stratiphy.io/referrals?code=INVESTINGSTAKES Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results. MOUTHY MONEY *Our substack* https://mouthymoney.substack.com/ *Get in touch* ⁠⁠editors@mouthymoney.co.uk ⁠⁠ DISCLAIMER This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

    Investing Stakes: Is the AI bubble ready to burst?

  8. Jun 2

    Who owns Britain's £2.9 trillion national debt?

    Politicians keep saying they don't want to be "in hock to the bond market" — but what does that actually mean, and who is the bond market anyway? In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite (MRM) pull back the curtain on UK gilts: what government bonds are, how they work, who really owns Britain's £2.9 trillion national debt, and why all of it matters for normal people saving for the long term. Ed and Chris break down how gilts function, why yields rise and fall, and how the bond market can quietly "discipline" an elected government's spending plans — the heart of the left-wing complaint about being beholden to faceless investors. But as they discover, the bond market isn't a shadowy cabal of top-hatted financiers. A huge chunk of it is pension funds, insurers and ordinary savers — quite possibly including you. They also dig into why this isn't abstract: gilt yields set the "risk-free rate" that prices everything from mortgages and annuities to savings rates and the value of the stock market. The 2022 mini-budget showed exactly how political choices ripple straight into your finances. 📊 KEY STATS COVERED: - UK national debt: ~£2.91 trillion (about 94% of GDP — highest since the 1960s) - Annual government borrowing: ~£132 billion - Overseas investors hold ~32% of UK gilts - The Bank of England holds roughly 19–24% - Banks & financial institutions hold ~23% - UK pension funds & insurers hold ~21% — and own nearly half the index-linked gilt market - Less than 1% of gilts are held directly by households 💬 What do you think — is the bond market a healthy check on government spending, or an undemocratic constraint? Let us know in the comments. We try to reply to everyone. 👍 Like, subscribe and hit the bell for weekly personal finance that puts the personal back into your money. MOUTHY MONEY Our substack mouthymoney.substack.co.uk  Get in touch ⁠⁠editors@mouthymoney.co.uk ⁠⁠ DISCLAIMER This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.

    Who owns Britain's £2.9 trillion national debt?
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About

Edmund Greaves and Chris Tuite host Mouthy Money - a UK finance podcast on building wealth with long term investing and saving strategies. From the stock market for beginners, to mortgage rates, fears of economic recession, whether to invest in gold and silver or what the consumer price index is, we look at complicated financial topics through a personal lens. With regular financial expert guests to unpick knotty issues, we've got you covered with weekly episodes.

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