Making Money Kindling Media

Can you really get rich by cutting costs? Is the 4% rule right for everyone? What are the biggest mistakes we make when it comes to tax? Chris Bourne has worked in the finance industry for over 20 years and is a personal finance Youtuber (@@chrisbourne-retirementplanner ). We got him on to talk about our biggest misconceptions about building wealth and how we can do it in the most tax efficient way.
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Want us to come into your workplace to give your people financial help?
Email will@getmost.co.uk
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Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney
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Newsletter
If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E12
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What's your financial health? 
Take our quiz: https://makingmoneypod.scoreapp.com/
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Investment platforms
Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. There will be no additional charge for you.
Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

InvestEngine 
Get a £25 bonus when you invest at least £100.
https://investengine.pxf.io/daOD2Q

Vanguard
https://www.vanguardinvestor.co.uk/
This is not an affiliate link.

Trading 212
Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1.
https://www.trading212.com/promocodes/MM 
If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account.
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This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Martin Wolf is Chief Economics Commentator at the Financial Times (FT). In his book 'The Crisis of Democratic Capitalism' he argues that market capitalism and democracy rely on each other to function but that both are failing.  How did we get here, what’s at stake, and is there anything we can do? 
You can buy Martin’s book here: https://amzn.to/3UQgBZM
…
Want us to come into your workplace to give your people financial help?
Email will@getmost.co.uk
…
Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney
…
Newsletter
If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E11
…
What's your financial health? 
Take our quiz: https://makingmoneypod.scoreapp.com/
…
Investment platforms

Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. There will be no additional charge for you.
Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

InvestEngine 
Get a £25 bonus when you invest at least £100.
https://investengine.pxf.io/daOD2Q

Vanguard
https://www.vanguardinvestor.co.uk/
This is not an affiliate link.

Trading 212
Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1.
https://www.trading212.com/promocodes/MM 
If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account.

…
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Are Global Index Funds too exposed to the US tech sector? Would it be better to just be invested in those companies and get much higher returns? What happens if everyone was a global index investor? Recently Damo did a video on his channel in response to an increase in articles raising concerns about Global Index Funds (https://www.youtube.com/watch?v=nz0Ecl_QnXk). He talks T through those concerns and answers your biggest questions.
You can listen to our step step by step guide to index fund investing (Season 2, Episode 3 ‘How to ACTUALLY start investing) here: https://link.chtbl.com/-nhv3Nji
…
Want us to come into your workplace to give your people financial help?
Email will@getmost.co.uk
…
Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney
…
Newsletter
If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E10
…
What's your financial health? 
Take our quiz: https://makingmoneypod.scoreapp.com/
…
Investment platforms

Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. There will be no additional charge for you.
Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

InvestEngine 
Get a £25 bonus when you invest at least £100.
https://investengine.pxf.io/daOD2Q

Vanguard
https://www.vanguardinvestor.co.uk/
This is not an affiliate link.

Trading 212
Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1.
https://www.trading212.com/promocodes/MM 
If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account.

…
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Tom Morgan has worked in the financial advice industry for 12 years. Recently he decided to go it alone, leaving the firm he’d been working with, because he has big concerns about how the industry works.
Tom’s website is here: https://www.orcawealth.co.uk/about
…
Want us to come into your workplace to give your people financial help?
Email will@getmost.co.uk
...
Sponsors
Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney
…
Newsletter
If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E9
…
What's your financial health? 
Take our quiz: https://makingmoneypod.scoreapp.com/
…
Investment platforms

Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. There will be no additional charge for you.
Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

InvestEngine 
Get a £25 bonus when you invest at least £100.
https://investengine.pxf.io/daOD2Q

Vanguard
https://www.vanguardinvestor.co.uk/
This is not an affiliate link.

Trading 212
Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1.
https://www.trading212.com/promocodes/MM 
If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account.
…
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

How do younger generations deal with the financial challenges they’ve been dealt? And is it really harder than it was for their parents? Iona Bain is a writer, speaker, broadcaster and author of ‘Own It: How our generation can invest our way to a better future’. She started the Young Money blog in 2011 to help young people get to grips with personal finance and is currently BBC Morning Live’s money expert. 
You can get Iona’s book here: https://amzn.to/4d0b0qW
…
Want us to come into your workplace to give your people financial help?
Email will@getmost.co.uk
…
Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney
…
Newsletter
If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E7
…
What's your financial health? 
Take our quiz: https://makingmoneypod.scoreapp.com/
…
Investment platforms

Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. There will be no additional charge for you.
Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

InvestEngine 
Get a £25 bonus when you invest at least £100.
https://investengine.pxf.io/daOD2Q

Vanguard
https://www.vanguardinvestor.co.uk/
This is not an affiliate link.

Trading 212
Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1.
https://www.trading212.com/promocodes/MM 
If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account.

…
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

How do politicians escape accountability for their lies? Why is there wasteful spending on poorly conceived projects that aren’t based on evidence? How has a tax system been created that is more than confusing? 
Ian Dunt is a political writer and commentator. He’s a columnist for the i, former Editor of Politics.co.uk and used to host the Remainiacs podcast. He has written a book called ‘How Westminster Works...and Why It Doesn’t’. 
Is the UK political system broken beyond repair? 
You can buy Ian’s book here: https://amzn.to/4asCi7F
…
Want us to come into your workplace to give your people financial help?
Email will@getmost.co.uk
…
Hostinger (build your website) - and use the code MakingMoney to get 10% off: https://www.hostinger.com/makingmoney
…
Newsletter
If you want a summary from this episode in an easy format, please subscribe to our newsletter: https://makingmoney.email/S3E7
…
What's your financial health? 
Take our quiz: https://makingmoneypod.scoreapp.com/
…
Investment platforms
Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. There will be no additional charge for you.
Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.
InvestEngine 
Get a £25 bonus when you invest at least £100.
https://investengine.pxf.io/daOD2Q
Vanguard
https://www.vanguardinvestor.co.uk/
This is not an affiliate link.
Trading 212
Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1.
https://www.trading212.com/promocodes/MM 
If you do not get your free share after depositing at least £1, use the promo code ‘MM’ (for Making Money). You can use this code for up to 10 days after opening the account.
…
This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.