Serious Money Podcast

Gareth Shears & Chris Exley
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  • Investing

There are loads of money podcasts. But most of them are too basic, too boring or try to sell you something.  Serious Money is for business owners, higher earners, people approaching retirement and those who have outgrown the basic stuff.  Hosted by Gareth, who has spent over 18 years in financial planning, and Chris, who has spent the last ten years working in financial services with clients making serious money decisions every day.   Both from Newport - South Wales - Gareth and Chris approach money from outside the London bubble.  Let’s get into it!  Got a question you want answered on the show? Send us a voice note or message on Instagram, @seriousmoneypod. The best ones go straight into the Q&A. The content of this podcast is for general information and entertainment only. It is not personal financial advice and should not be relied on as such. Neither host is providing regulated financial advice through this podcast. Always seek advice from a qualified, regulated professional before making financial decisions. Capital is at risk and past performance is not a guide to future returns.

Episodes

  1. 1d ago

    Is Buy to Let Dead? The Maths Most Landlords Never Run

    Send us Fan Mail Buy to let isn't dead. But it's not what it was, and many landlords have never run the real post-tax numbers. Gareth has owned buy to let through two full market cycles and sold out both times. Chris comes at it from the maths, which are unforgiving. Together they get into: Why so many landlords are selling up, and why it's more structural shift than panicGross yield vs net yield: the gap that catches most landlords outSection 24, capital gains tax and stamp duty: how the costs of getting in, staying in and getting out have changedWhere buy to let can still work: location, value-add, limited companies and HMOsThe honest question: £100,000, buy to let or invest? What each of us would actually do Plus three real listener questions: 1. Two buy to lets. The accountant says wait, the planner says sell. Who's right? 2. 42, never owned property. Buy to let or stocks and shares? 3. Inheriting a parent's buy to let portfolio: gift or burden? Our takeaways: work out your true net yield this week. And before buying, ask yourself whether you want the return, or the job of being a landlord. Because it's both. Got a property question? Send us a voice note or message on Instagram @seriousmoneypodcast, or email help@seriousmoneypod.com. The best questions go straight into the Q&A. Serious Money is for general information and discussion only and does not constitute financial advice, tax advice or a personal recommendation. Tax treatment depends on your individual circumstances and may change. Buy to let property and most buy to let mortgages are not regulated by the Financial Conduct Authority. The value of investments and property can go down as well as up, and you may get back less than you invest. Please seek regulated financial and tax advice before making decisions.

  2. 1d ago

    Why Having Money Isn't the Same as Having a Plan

    Send us Fan Mail Most people with real money are optimising the wrong thing. The industry shows you how: how to be tax efficient, how to invest, which product to buy. Influencers give you rules of thumb. But almost nobody asks the most important question first: what is the money actually for? In this first full episode, Chris and Gareth start with an old story about a fisherman and a businessman, then get into: The destination problem: why "more money" isn't a goalWhy the financial industry often focuses on products before purposeWhy generic online advice can be right in general and wrong for youWhat a real, joined-up plan actually looks likeWhat each of us would actually do, and what Gareth would tell his 35-year-old self Plus three real listener situations in the Q&A: 1. A large lump sum from a business sale, and everyone's saying something different 2. Significant savings, but stopped working because of worries about tax 3. Probably able to retire, but can't bring themselves to stop Our takeaway: if you can't say what your life looks like at 60, what you own now, and what you're trading off to get there, you don't have a plan yet. You have assets. Got a question for the show? Send us a voice note or message on Instagram @seriousmoneypodcast, or email help@seriousmoneypod.com. The best questions go straight into the Q&A. Serious Money is for general information and discussion only and does not constitute financial advice. Nothing in this podcast is a personal recommendation. Your circumstances are unique, so please seek regulated advice before making financial decisions. Tax rules can change and their effect depends on your individual circumstances. The value of investments and pensions can go down as well as up, and you may get back less than you invest.

  3. Season 1, Episode 1 Trailer

    Start Here: The Money Podcast for People Who've Already Got Money

    Send us Fan Mail There are loads of money podcasts. None of them are built for people who've already got money. Serious Money is for business owners, higher earners, people approaching retirement, and anyone whose finances have moved well past budgeting and basic saving. If your money has real complexity and real decisions attached, this show is for you. Hosted by Gareth Shears, who has spent over 20 years in financial planning, and Chris Exley, who has spent a decade in financial services working with clients in exactly this situation. Both from Newport, Wales. What you'll get: One topic per episode, properly explored. No surface-level stuff.Real questions from real listeners, answered honestly.Real (anonymised) situations, not hypotheticals.Two people who'll disagree when they genuinely disagree.The occasional guest who adds something we can't. Episode 1 is out now: why having money isn't the same as having a plan. Got a question for the show? Send us a voice note or message on Instagram @seriousmoneypodcast, or email help@seriousmoneypod.com. The best questions go straight into the Q&A. Serious Money is for general information and discussion only and does not constitute financial advice. Nothing in this podcast is a personal recommendation. Your circumstances are unique, so please seek regulated advice before making financial decisions. The value of investments can go down as well as up, and you may get back less than you invest.

Trailer

About

There are loads of money podcasts. But most of them are too basic, too boring or try to sell you something.  Serious Money is for business owners, higher earners, people approaching retirement and those who have outgrown the basic stuff.  Hosted by Gareth, who has spent over 18 years in financial planning, and Chris, who has spent the last ten years working in financial services with clients making serious money decisions every day.   Both from Newport - South Wales - Gareth and Chris approach money from outside the London bubble.  Let’s get into it!  Got a question you want answered on the show? Send us a voice note or message on Instagram, @seriousmoneypod. The best ones go straight into the Q&A. The content of this podcast is for general information and entertainment only. It is not personal financial advice and should not be relied on as such. Neither host is providing regulated financial advice through this podcast. Always seek advice from a qualified, regulated professional before making financial decisions. Capital is at risk and past performance is not a guide to future returns.

Information

  • Creator
    Gareth Shears & Chris Exley
  • Years Active
    2026
  • Episodes
    3
  • Rating
    Clean
  • Copyright
    © 2026 Serious Money Podcast
  • Show Website
    Serious Money Podcast