Investing Unlocked

Georgie Frost

Investing Unlocked is a smart, straight-talking podcast that decodes the jargon for people who want to make more of their money and understand what really drives investment performance. Join Georgie Frost, multi-award-winning financial broadcaster, with regular guest Simon Lambert, alongside an impressive lineup of leading financial experts, as they go beyond the latest finance stories to explore the building blocks of investing, the behaviour behind it, the history that shaped it, and the big ideas influencing what happens next. As investing moves to the centre of financial life in 2026, the show invites in the people traditional finance has left behind. Investing Unlocked is sponsored by PensionBee.

Episodes

  1. 6D AGO

    Why Smart People Make Poor Money Decisions (with Vicky Reynal)

    British households are sitting on £430 billion in cash that could be invested. So what's stopping us?  The truth is, most people are terrible with money - but it's not for lack of knowledge. It's how we're wired. In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with financial psychotherapist, Vicky Reynal - Times columnist and author of Money on Your Mind - for a rare look at the psychology behind our most common investing mistakes. They get into why intelligent, successful people still make poor money choices, how the beliefs we picked up in childhood shape the way we invest today, and how to rewire those subconscious patterns and take back control of your financial future. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video version Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

    45 min
  2. APR 22

    The End of Dollar Dominance? – With Emma Wall (Hargreaves Lansdown)

    From global equities to commodities like oil and gold, the US dollar sits at the centre of the financial system. When it moves, it can have a major impact on investment returns, inflation, and global markets. But the dollar’s dominance is increasingly being questioned. In this episode of Investing Unlocked Extra, Georgie Frost speaks with Emma Wall, Chief Investment Strategist at Hargreaves Lansdown, about what’s happening with the dollar, why central banks are diversifying into gold, and what it all means for UK investors.  They also discuss the government-backed campaign to get more Brits investing, and the rise of people asking AI tools like ChatGPT for financial advice. In this episode, we explore: • Why the US dollar affects almost every investor  • Whether the dollar is losing its global dominance  • Why central banks are buying more gold  • How currency movements affect your investment returns  • The new UK campaign encouraging more people to invest  • The risks of using AI for financial advice  If you're wondering how currency movements impact your portfolio, this episode breaks down the bigger picture. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video version Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

    27 min
  3. APR 15

    Are Finfluencers Helping or Harming Your Finances? — with Gabriel Nussbaum (That Money Guy)

    Love it or loathe it, social media is now where millions of us go for investing advice. For a generation priced out of property, it's become something more. Social media, for many, is a genuine route to financial education. But unregulated and ungoverned, the lines between education, entertainment and sales are becoming increasingly blurred ... and we're seeing a rise in misinformation, bad actors and outright scams. So in a sea of content, who can we actually trust? In this episode of Investing Unlocked, Georgie Frost and Rick Kelsey talk to personal finance educator and TikTok's “That Money Guy”, Gabriel Nussbaum – a finfluencer with over a million followers and a mission to make financial education free and transparent. Together, they explore how social media is rewriting the rules of wealth, the darker side of finfluencer culture and the red flags every investor needs to watch for. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video version Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

    50 min
  4. APR 8

    Do Defensive Investments Actually Protect Your Money When Markets Crash? | Investing Unlocked Extra

    Last month should have been the moment for “safe haven” assets like gold and government bonds to shine. Instead, gold suffered its worst month in over a decade, while UK government bonds saw their biggest fall since the 2022 mini-budget crisis. So what went wrong? In this episode of Investing Unlocked Extra, Georgie Frost speaks to finance journalist Holly Mead about why traditional defensive investments sometimes fail – and what investors should really do when markets turn volatile. They explore: Why gold and bonds dropped during a geopolitical crisisWhether defensive assets still have a place in portfoliosHow inflation and interest rates change investment behaviourWhat actually performed well during the market turmoilWhether younger investors should bother with defensive assets at allIf you're wondering how to build a resilient investment portfolio in uncertain times, this episode breaks it down in clear, practical terms. Guest: Holly Mead LinkedIn: https://www.linkedin.com/in/holly-mead-411b4a136/X.com: https://x.com/holly_mead_TikTok: @hollymead_moneyjourno To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video version Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110 Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk.

    23 min
  5. APR 1

    Crypto’s Had Its “Gold Rush.” Is It Time To Walk Away?

    Crypto divides opinion like almost nothing else in the world of investing. For the “true believers”, it’s the ultimate disruptor - decentralised, borderless, and built to thrive outside an outdated financial system. To the skeptics, it’s less of a revolution and more about faith than fundamentals. But between the cult-like hype and the constant predictions of total collapse, what the heck is actually happening? In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with Glenn Goodman – a former financial journalist turned full-time crypto trader and author of The Crypto Trader - to demystify the market once and for all. They tackle the questions that actually matter to your wallet: Is crypto losing its "currency" in today’s volatile markets? How do you buy crypto safely in an unregulated market? And in a world of "crypto bros" and overnight millionaires, who is really winning? For any investor trying to make sense of the noise, this episode offers a clear-eyed look at whether crypto has a place in a serious investment portfolio – or if it’s a gamble you can afford to skip. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video version Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110 Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk.

    1h 10m
  6. MAR 26

    Tax Year-End Tips: What Investors Should Do Before April 6th | Investing Unlocked Extra

    The end of the tax year is fast approaching – and that means a reset to your ISA and pension allowances, alongside important tax changes that could impact your returns. In this episode of Investing Unlocked Extra, Georgie Frost is joined by Dan Coatsworth, Head of Markets at AJ Bell, to break down what investors should be doing right now – before the April 6th deadline. They discuss: • Why 2025 was a strong year for markets – and why volatility has returned in 2026 • Where investors are putting their money right now (and why tech is losing favour) • How tax changes are quietly increasing what you pay • The importance of using your £20,000 ISA allowance before it resets • What a “Bed and ISA” is – and how it can reduce future tax bills • Changes to dividend tax and what they mean for your income • The pros and cons of cash vs investing in the current environment • Common mistakes investors make at tax year end • Why you don’t have to invest immediately after funding your ISA • The power of consistency and long-term investing If you’re unsure what to do before the tax year ends, this episode gives you clear, practical steps to stay ahead.  Guest: Dan Coatsworth Head of Markets, AJ Bell https://www.ajbell.co.uk/our-writers/dan-coatsworth LinkedIn: https://www.linkedin.com/in/dan-coatsworth-48910599/ Follow & Catch Up With Us: Want more from Investing Unlocked? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode: Investing Unlocked Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110  Disclaimer: This content is for information and educational purposes only and does not constitute personal financial advice. Investing involves risk, and your capital is at risk. If you’re unsure, consider speaking to a regulated financial advisor.  In partnership with PensionBee.

    22 min
  7. MAR 18

    Are We Sleepwalking Into the Next Financial Crash?

    Every generation thinks it knows more than the last … yet we keep making the same investing mistakes. In the late nineties, we were told that boom and bust was a thing of the past - yet we all know how that turned out. Bubbles keep happening – and they seem to be happening more often. Some say we may even be due another crash. So how can you spot one, prepare for it, and learn from what history has taught us about money, markets and our own behaviour?In this episode of Investing Unlocked, Georgie Frost is joined by financial historian Will Quinn, author of Boom and Bust: A Global History of Financial Bubbles, along with series regular Simon Lambert. From the tulip mania of the 17th century to the 2008 financial crisis, they explore the events that shape our understanding of bubbles and the psychology behind them. The conversation shifts to how the media fuels the frenzy, and the recent surges in cryptocurrency and AI investments, posing the question: Are we currently living in a bubble? For investors trying to make sense of market cycles in these uncertain times, this episode offers practical insights on how to learn from the past to avoid the next big mania. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video version Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110 Simon Lambert LinkedIn: https://uk.linkedin.com/in/simon-lambert-26013233X/ Twitter: https://x.com/_simonlambert?lang=en

    56 min
  8. MAR 4

    The Truth About Investing (And Why Most Investors Fail)

    From official government campaigns to social media feeds, investing is being pushed harder than ever. But once you decide to do it, what actually makes someone good at it? For years, it’s been dressed up as something complicated. It doesn’t have to be. In the first episode of Investing Unlocked, Georgie Frost is joined by Jonathan Guthrie, former Lex editor at the Financial Times and author of The Truth About Investing, with this season’s regular guest Simon Lambert. The three talk about what investing really involves once you strip away the noise: why trying to be clever often backfires, timing the market is so tempting, and behaviour matters more than brilliance. There are no hot tips here. No magic strategies. Just a clear, honest chat about how investing really works in practice and why steady decisions usually beat bold ones. Whether you’re new to investing or have been doing it for years, this is about understanding what genuinely drives results. Follow & Catch Up With Us Want more from Investing Unlocked? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode. Connect with us and stay in the loop: Investing UnlockedInstagram: https://www.instagram.com/investing.unlocked/Threads: https://www.threads.com/@investing.unlocked Georgie FrostInstagram: https://www.instagram.com/georgiefrostmoney/?hl=enLinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110 Simon LambertLinkedIn: https://uk.linkedin.com/in/simon-lambert-26013233X/Twitter: https://x.com/_simonlambert?lang=en Have questions, topic ideas, or guest suggestions? We’d love to hear from you, message us anytime and let’s keep the conversation going. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk.

    55 min
  9. EPISODE 1

    Introducing Investing Unlocked with Georgie Frost | Series Trailer

    Introducing Investing Unlocked with Georgie Frost – a straight-talking podcast for people who want to understand investing without the jargon. With investing moving to the centre of financial life in 2026, this series looks at what really matters once you strip away the noise. Across the season, Georgie is joined by leading voices from investing, economics and financial journalism, including financial psychotherapist Vicky Reynal, Jonathan Guthrie, former head of the Financial Times’ Lex column and risk and finance expert Moorad Choudhry. Together, they explore market psychology, long-term decision-making and the economic forces shaping what happens next – with a focus on helping listeners avoid common mistakes and make steadier, more informed choices. Sponsored by PensionBee. Episode one is out Wednesday 4 March at 4pm, wherever you get your podcasts. Follow & Catch Up With Us Want more from Investing Unlocked? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode. Connect with us and stay in the loop: Investing Unlocked Instagram: https://www.instagram.com/investing.unlocked/ Threads: https://www.threads.com/@investing.unlocked Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110 Simon Lambert LinkedIn: https://uk.linkedin.com/in/simon-lambert-26013233 X/Twitter: https://x.com/_simonlambert?lang=en Have questions, topic ideas, or guest suggestions? We’d love to hear from you, message us anytime and let’s keep the conversation going.

    1 min

Trailer

About

Investing Unlocked is a smart, straight-talking podcast that decodes the jargon for people who want to make more of their money and understand what really drives investment performance. Join Georgie Frost, multi-award-winning financial broadcaster, with regular guest Simon Lambert, alongside an impressive lineup of leading financial experts, as they go beyond the latest finance stories to explore the building blocks of investing, the behaviour behind it, the history that shaped it, and the big ideas influencing what happens next. As investing moves to the centre of financial life in 2026, the show invites in the people traditional finance has left behind. Investing Unlocked is sponsored by PensionBee.

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