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.

  1. 1d ago

    Are You Saving Too Much and Investing Too Little? With Clare Francis, Director of Savings and Investments at Barclays

    When Clare Francis lost her first husband in 2011, the grief came with a very practical problem too, because his income was gone while the mortgage and the bills were still there. In this episode of the Money & Us podcast, Anna talks to Clare, Director of Savings and Investments at Barclays and a financial journalist for more than 15 years, including as Editor in Chief at MoneySupermarket, about expecting the unexpected, and what it costs us emotionally and financially when we don't plan for it. Life rarely sends a warning, whether it's a global event that rattles the markets or something far closer to home, like losing an income or childcare costs that double almost overnight. Clare talks about what those moments looked like in her own life, how the investments she'd started years earlier gave her room to adjust, and why a financial buffer can't ease the emotional side of difficult times but can take a great deal of the pressure off. Clare also gets into why so many of us feel comfortable saving but frightened of investing, and why the fear of losing everything is far bigger than the realistic risk over the long term. For anyone who has put off investing because it felt too risky, too complicated or too late, she makes the case for starting small, and for talking about money with the people around us, because the confidence that builds reaches well beyond our finances. If you've ever put off building a financial cushion because nothing has gone wrong yet, Clare's story is a good reason to start. *Capital at risk when investing. For education, not financial advice. Key Moments: Fact or fiction: shares versus cash over 130 yearsWhy we save for holidays but rarely for the unexpectedLosing her husband and his income at the same timeChildcare costs doubling overnight, and the investments that gave her room to adjustWhy the fear of losing everything is bigger than the real riskWhy investing isn't gamblingStarting small, and why talking about money helpsWhat wealth means to ClareChapters: 00:00 Expecting The Unexpected01:15 Fact Or Fiction: Shares Versus Cash04:47 Why We Save For Holidays But Not Emergencies07:59 A Decade Of Unforeseen Events11:52 The 20 Year Chart That Changes How Crashes Feel18:48 When The Income Disappears But The Bills Don't26:06 The Day Her Childcare Costs Doubled32:44 Squeezed In Your 40s37:59 Why Saving Feels Safe And Investing Feels Scary43:36 What £50 A Month Can Become52:28 Investing Is Not Gambling56:17 Inside The Campaign To Get Britain Investing1:02:08 Your First Step Into Investing1:14:47 Why Not Today?1:16:35 What Wealth Means To Clare Mentioned in the episode: - Should you save cash or invest? https://www.barclays.co.uk/smart-investor/new-to-investing/before-you-start/should-you-save-cash-or-invest/ - Invest for the Future Campaign https://takethenextstepinvest.co.uk - What Is Investing? https://barclayslifeskills.com/i-want-to-get-to-grips-with-money-and-fraud/sixth-form/what-is-investing/ Follow Clare Francis: Instagram: https://www.instagram.com/clareefrancis1?srtk=dnV0aHVsemNyNmVz LinkedIn: https://uk.linkedin.com/in/clareefrancis 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

  2. Oct 13

    What It Takes To Rebuild Your Identity From Nothing with England International Anita Asante

    Anita Asante won every domestic trophy English football had to offer in a single season, a quadruple no Arsenal team has repeated since, while several of her teammates still worked as teachers, police officers and firefighters because the women's game simply couldn't pay them to do anything else. In this episode of the Money & Us podcast, Anna talks to Anita, a former England international with 71 caps who played for Arsenal, Chelsea and Aston Villa across nearly two decades, about building a career on a foundation that barely existed, and what it cost her to keep rebuilding it. Anita talks candidly about what it means to give your whole life to an industry, a club, a profession, and have it taken away from you at the drop of a hat. Even once she was finally being paid to play, financial security in women's football never really settled. A defining moment for Anita was having a World Cup place she'd worked her entire career towards taken away from her without explanation, shortly followed by an injury that ensured her playing days were firmly behind her. Losing football meant losing the identity she'd built her whole life around, so Anita had to work out who she was without it. She went on to coach the next generation, moved into broadcasting and started a PhD examining the very structures that shaped her own career, proving to herself along the way that she could be just as strong a version of herself outside the game as she ever was inside it. If you've ever had to rebuild your sense of security, financial or otherwise, from nothing, Anita's story is for you. Key Moments: Winning a quadruple while teammates still worked day jobsThe lack of financial security even once she was finally paid to playA World Cup place taken away from her without explanationThe injury that left her playing days firmly behind herReinventing her identity once football was goneWhat wealth means to Anita after everything she's achievedChapters: 00:00 Fact Or Fiction: Women's Sport Coverage00:58 The Reality of Women’s Sport04:37 Finding Football & Belonging13:09 Getting the England Call-Up17:10 Making History With Arsenal23:18 Confidence Comes After the Decision27:40 Moving Abroad to Play Professionally34:11 The Psychology Behind High Performance41:18 Missing Out on the World Cup45:43 The ACL Injury That Changed Everything49:10 Rebuilding After Injury57:25 Preparing for Life After Football01:02:21 Life Beyond Professional Football01:04:41 Retiring & Losing Your Identity01:11:01 What Wealth Really Means Follow Anita Asante: Instagram: https://www.instagram.com/neetz2/?hl=en LinkedIn: https://www.linkedin.com/in/anita-asante-oly-4606ab50/ 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

  3. Oct 6

    Why Losing His Mum Sparked A Business That's Helped A Million People with Sam Grice

    In 2016, a single phone call changed the entire course of Sam Grice's life. He lost both his parents within moments of each other, thousands of miles from home, and out of that grief built a company that has since helped more than a million families through their own loss. In this episode of Money & Us, Anna sits down with Sam, founder of Octopus Legacy, to talk honestly about death, money and the parts of loss nobody warns you about, a topic that felt especially close to home for Anna at the time of recording. Sam talks openly about those first disorientating days, the shock that can mimic physical pain, the strange experience of planning a funeral while barely able to think straight, and finding himself comforting visitors who had come to comfort him. Within six months of his mum's death, that experience had already become the seed of the business he runs today. From there the episode moves into the practical realities so few of us ever prepare for, from what happens when a will is out of date to the eighteen months it can take to fully settle an estate. Sam explains why families so often end up selling homes, untangling pensions and facing complicated tax decisions at the exact moment they're least able to think clearly, and why simply knowing who to call can change everything. This episode is for anyone who has been through loss, anyone supporting someone who has, and anyone who has never quite got round to writing a will. Key Moments: The phone call that changed everythingThe shock and physical toll of sudden lossHow Octopus Legacy was born within six monthsWhy an out of date will causes so much extra painWhat the probate process actually involvesWhat wealth really means, according to SamChapters: 00:00 Meet Sam Grice Founder of Octopus Legacy01:26 Why This Conversation About Loss Became Personal03:08 Growing Up Around Entrepreneurs06:32 The Phone Call That Changed Sam’s Life08:15 What Grief Does to Your Brain and Body11:41 The Admin That Starts Immediately After Someone Dies13:02 Why an Outdated Will Can Be Worse Than No Will14:35 Turning Personal Loss Into a Business18:10 Why Planning Ahead Makes Loss Easier for Your Family19:49 The Phone Box Where People Call Loved Ones Who’ve Died21:50 Why You Shouldn’t Say “Sorry For Your Loss”23:43 Dealing With a Death Can Take Nearly 500 Hours25:14 What Happens If You Die Without a Will?26:54 How Leaving Money in Your Will Can Help Charities29:06 Writing a Will Can Take Just 20 Minutes33:12 What Is Lasting Power of Attorney?38:05 Why We Keep Putting Off Wills and Future Planning41:38 The Emotional Reason People Procrastinate42:53 The Final Messages Your Family Will Keep Forever44:33 Inside the Octopus Legacy Box48:35 What Do People Miss Most After Someone Dies?51:44 Leaving Advice and Memories for Your Family52:51 The Recipe Book Sam’s Mum Left Behind53:26 Why You Should Record Your Funeral Wishes55:21 Preserving Your Life Story on Video01:06:51 What Do You Actually Do When Someone Dies?01:07:32 Choosing a Funeral Director01:08:40 Planning a Funeral in Just Days01:10:16 How Much Does a Funeral Cost?01:12:08 What Does an Executor Actually Do?01:14:22 What Is Probate and How Does It Work?01:20:17 Why Probate Can Take 18 Months01:22:09 What Does Wealth Mean to Sam? Mentioned in the episode: Get Your Free Will with Octopus Legacy: https://octopuslegacy.com/free-will-podcasts?utm_source=affiliate&utm_medium=podcast&utm_campaign=autumn26-basic&utm_term=moneyandus-finance&utm_content=episodetext-charitywill-video-1 Get Your Legacy Box from Octopus Legacy: https://octopuslegacy.com/legacy-box?utm_source=affiliate&utm_medium=podcast&utm_campaign=autumn26-basic&utm_term=mentoramoney-finance&utm_content=podcast-charitywill-podcast-1 Disclosure: This post contains affiliate links. If you make a purchase through these links, I may earn a commission at no extra cost to you. Follow Sam Grice: Instagram: https://www.instagram.com/youroctopuslegacy?igsi=ajhqcDN2dXF3eDVy LinkedIn: https://www.linkedin.com/in/sam-grice-744a2328/ Website: https://octopuslegacy.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

  4. Sep 29

    Psychotherapist Paula Williams on The Hidden Anxiety Behind How We Spend, Save And Avoid Our Bank Account

    Paula Williams has spent more than 25 years in the therapy room watching money reveal what's really going on underneath the surface of people's lives, long before the numbers ever come into it. In this episode of the Money & Us podcast, Anna talks to Paula, an award winning BACP accredited psychotherapist specialising in trauma, addiction and abuse, about what's really driving our anxiety, our spending habits and our vulnerability to being taken advantage of. Paula explains why money almost always comes down to one thing, safety, and how that single word explains two seemingly opposite behaviours. Some people hoard, terrified of spending even when they can clearly afford to, while others spend to chase a high that never quite lasts. Both, she says, are looking for the exact same feeling. She talks honestly about avoidance too, why ignoring a banking app or an unopened letter gives temporary relief while the underlying problem only grows, and why simply becoming aware of an old pattern is the first real step towards changing it. The episode moves into scams and grooming, including a story about a client who lost her life savings to someone she met online, and why intelligence has nothing to do with who becomes a target. Paula unpacks economic abuse in detail too, the kind that can hide behind a big house and a lovely holiday while someone has no real access to their own money, and why it so rarely looks the way people expect abuse to look. If money has ever made you anxious without knowing exactly why, or you suspect someone close to you might be dealing with something worth a closer look, this one's for you. Key Moments: Why hoarding and overspending both come from the same fearThe temporary relief of avoidance, and its real costHow scammers target vulnerability, not intelligenceWhat economic abuse actually looks like behind closed doorsWhat wealth means to Paula after everything she's seenChapters:00:00 Meet Paula Williams00:57 Fact or fiction: economic abuse in the UK02:19 Why money anxiety is rising04:11 Where our money fears begin07:52 Why spending can feel unsafe12:24 How much money is enough?17:49 The effect of news and financial uncertainty24:22 When money habits become a source of anxiety27:39 Why we avoid looking at our finances30:10 How scammers use urgency33:29 The shame people feel after being scammed34:19 How a romance scam builds trust40:30 What economic abuse can look like45:47 Recognising control and restriction47:57 How to support someone experiencing abuse51:35 A story of recovery and hope54:14 Spotting your own warning signs57:33 Practising self-compassion59:59 Why self-care matters01:03:06 Pausing to ask what you need01:06:11 Replacing self-judgement with curiosity01:12:25 Learning to reflect on your feelings01:15:09 When to seek extra support01:17:58 What wealth means to Paula References: The statistic referenced in this episode comes from 2025 research by Surviving Economic Abuse, conducted by Ipsos UK. If anything in this episode resonates and you need support, help is available: Women's Aid — domestic abuse support Surviving Economic Abuse (SEA) — economic abuse support Victim Support — free helpline for fraud and scams, 08 08 16 89 111 Men's Advice Line — support for men StepChange — free debt advice Follow Paula Williams: Instagram: https://www.instagram.com/yourheart_therapist LinkedIn: https://www.linkedin.com/in/yourhearttherapist Website: https://paulapsychotherapist.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

  5. Sep 22

    How to Find Your Voice and Speak with Confidence with Caroline Goyder

    ​Caroline Goyder has spent her career teaching people that the way they speak can matter just as much as what they say. In this episode of the Money & Us podcast, Anna talks to Caroline, voice coach and bestselling author of Gravitas, whose TEDx talk has now been watched more than 11 million times, about the surprising, largely unspoken link between how we speak and how far we get in life. Caroline shares research most of us have never encountered on how voice shapes the way we're perceived, trusted and even paid, along with why that link plays out so differently for men and women. She explains why voice is really about breath, and why breath is really about safety, something she believes we've largely lost touch with as a culture. Caroline speaks candidly about her own journey, including a formative moment early in her career when a talk went badly wrong in front of a large audience, and the practical, almost startlingly simple techniques she now teaches, from chanting for five minutes a day to the physical postures performers use to take up space and calm their nervous system before walking into a room. This episode is for anyone who has ever felt their voice let them down in a moment that mattered, and for anyone curious about the physical foundations of confidence and success. Key Moments: • How voice shapes trust, perception and pay• Why the research plays out differently for men and women• The moment a talk went wrong in front of a huge audience• How chanting changed Caroline's voice in three months• The physical techniques performers use to take up space• What wealth means to Caroline after losing her father Chapters: 00:00 Introduction01:13 Can Your Voice Affect Your Success?05:45 Why Your Voice Matters at Work09:49 Why Public Speaking Feels So Scary11:40 Caroline’s Worst Public Speaking Experience14:20 How to Train and Improve Your Voice18:57 Why a Lower Voice Sounds More Confident21:23 How to Take Up Space and Command a Room24:23 How to Prepare for a High-Stakes Conversation28:13 How to Control Nerves When Speaking30:12 Why Your Voice Matters More in the Age of AI31:25 Where Real Confidence Comes From35:39 The Secret to Rehearsed Spontaneity40:02 How to Use Pitch and Intonation45:29 How to Sound Charismatic Without Trying49:09 What Famous Actors Taught Caroline About Confidence50:04 Minnie Driver’s Advice for Handling Criticism55:55 How to Ask for a Pay Rise With Confidence57:26 How to Speak With Authority in a Job Interview01:01:29 How to Stop Using Filler Words01:04:50 Why Great Speakers Are Made, Not Born01:06:21 Is Your Phone Making You a Worse Speaker?01:09:07 Caroline’s Biggest Lesson About Confidence01:10:24 Your Voice Is Part of Who You Are01:11:18 What Does Wealth Really Mean? References: 1. Asli Ceren Cinar and Özgür Kıbrıs (2024), Persistence of Voice-Pitch Bias Against Policy Differences, Political Science Research and Methods, 12(3), 591–605.https://researchonline.lse.ac.uk/id/eprint/120372/1/Cinar_Kibris_Voice_bias_pitch_policy_differences_published.pdf 2. William J. Mayew, Christopher A. Parsons and Mohan Venkatachalam (2013), Voice Pitch and the Labor Market Success of Male Chief Executive Officers, Evolution and Human Behavior, 34(4), 243–248.https://www.sciencedirect.com/science/article/abs/pii/S1090513813000238 Follow Caroline Goyder: Instagram: https://www.instagram.com/carolinegoyder LinkedIn: https://www.linkedin.com/in/carolinegoyder/ Facebook: https://www.facebook.com/carolinegoyder Website: https://carolinegoyder.com Buy Find Your Voice:  https://www.amazon.co.uk/gp/product/B07MT59K96/ref=dbs_a_def_rwt_bibl_vppi_i1 Buy Gravitas: https://www.amazon.co.uk/Gravitas-Communicate-Confidence-Influence-Authority/dp/0091954959 Buy The Star Qualities: https://www.amazon.co.uk/Star-Qualities-sparkle-confidence-aspects/dp/1447263251 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

  6. Sep 15

    When Your Financial Problems Aren’t Actually About Money with Money Mindset Expert Laura Moore

    Two thirds of young people say their mental and physical health has been affected by their financial situation, and that statistic sits right at the heart of this conversation between Anna and Laura Moore, financial coach, financial wellbeing speaker and author of Find Your Wealth. Laura makes the case that money has been treated as its own separate category for far too long, sitting apart from wellbeing, gut health or fitness, when in reality it's deeply tangled up with all of it. What money mindset actually means, and just as importantly what it doesn't, is where Laura gets candid. It isn't manifesting, and it isn't something reserved for people who already think of themselves as spiritual or woo woo. She explains how your instinctive answer to a simple question like how do you feel about saving reveals a mindset that's already there, whether you've ever examined it or not, and why untangling that mindset can shift your relationship with money more than any budgeting app ever could. Wealth itself gets redefined here too, stripped right back from the obvious answer of freedom. Writing her book changed Laura's own definition entirely, moving from freedom of time and travel towards something far more holistic, built from presence, memories, friendships and the creativity she gets to express. She talks honestly about the fear that used to stop her acting on her best ideas, and the scarcity mindset that creeps in when creativity gets blocked instead of expressed. This episode of Money & Us is for anyone who has ever felt that money conversations don't quite speak to real life, and for anyone ready to think differently about what wealth actually means to them. Key Moments: The statistic linking financial stress to mental and physical healthWhy money has been kept separate from wellbeing for too longWhat money mindset actually means, and what it isn'tLaura's own shifting definition of wealthThe link between creativity, scarcity and financial abundanceChapters: 00:00 Meet Laura Moore: Financial Coach & Money Mindset Expert01:04 How Money Impacts Your Mental & Physical Health04:53 Is Money Mindset Just “Woo Woo”?08:15 Laura’s Personal Relationship With Money13:26 Saving £15,000 & Walking Away From Drama School18:30 Letting Go of the Life You Thought You’d Have21:58 “You Can’t Read a Map in a Snowstorm”25:33 Why Your Job Doesn’t Have to Be Your Passion27:42 How Laura Generated £17,000 by Thinking Differently30:50 Is Money Mindset Really Just Psychology?35:04 Stop Trying to Constantly Fix Yourself38:56 Where Your Money Beliefs Actually Come From42:01 How Two People Can Experience the Same Money Problem Differently45:04 Radical Acceptance & Changing Your Perspective48:24 Is It Really a Knowledge Problem or a Mindset Problem?51:26 Why Investing Is More Behaviour Than Knowledge56:29 Unpicking the Money Beliefs We Grow Up Hearing58:35 Are Rich People Really Greedy?01:03:17 The 2 Questions to Ask About Your Money Mindset01:05:40 Anna Puts Laura’s Advice Into Practice01:06:18 Do You Actually Need to Grow Your Business?01:10:43 What Does Wealth Really Mean?01:13:13 Why Acting on Your Ideas Creates Abundance Follow Laura Moore: Instagram: https://www.instagram.com/laura_ann_moore LinkedIn: https://www.linkedin.com/in/laura-moore-56650161 Website: https://www.mindmoneysoul.co.uk Buy Find Your Wealth: https://amzn.eu/d/0fEfVRAW 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

  7. Sep 8

    The Real Cost of Being Afraid to Fail

    What would you do differently if you were just 10% less afraid of failing? Across the first ten episodes of the Money & Us podcast, one theme has kept coming up time and time again, albeit in very different ways: failure. In this special episode, your host Anna Brading brings together five of the most powerful perspectives from the series so far, exploring what failure really looks like, why our fear of it can stop us from starting and whether some of the things we label as failures are actually failures at all. World Cup winning England international Zoe Harrison knows what it feels like to come within touching distance of the ultimate goal, losing a World Cup final before eventually going on to win one. She talks about allowing herself to feel that disappointment before changing how she looked at what happened and using it to move forward. Serial entrepreneur and MBE Alex Depledge sold her business for £32 million. Her reaction? It wasn’t £100 million. Her story shows how comparison can distort our perception of success and leave even hugely accomplished people feeling as though they haven’t done enough. Author and founder of Sober Girl Society Millie Gooch challenges the idea that something has to reach rock bottom before we accept it isn’t working. Sometimes failure looks more like “rock middle”, repeating the same patterns while waiting for something dramatic enough to tell us it’s time to change. Investment expert Joshua Raymond spent years working in finance before he started investing himself. Sometimes failure isn’t trying something and getting it wrong. It’s allowing fear to stop us from beginning in the first place. Finally, Stewart McCulloch shares perhaps the most poignant perspective of all. After growing up in poverty, he went on to earn a £1 million bonus and build a life filled with the outward markers of financial success. Following the devastating loss of his wife, he was confronted with something no amount of money could fix. Throughout the episode, Anna shares her own reflections on failure, comparison, money and the things she may be avoiding through fear of getting them wrong. Money is a tool. It can create security, freedom and opportunity, but there are limits to what it can do for us. Failure isn’t always the disaster we imagine either. Sometimes it’s a perspective that needs changing, comparison creeping in, a pattern we need to recognise or a first step we’ve been too frightened to take. This episode is for anyone who has ever held back because they’re scared of getting something wrong, struggled to recognise their own success or found themselves wondering whether it’s time to change direction. Perhaps being a little less afraid of failure could change what we’re willing to go for. Chapters: 00:00 – What if you were 10% less afraid of failure? 02:22 – Lesson 1: Reframing failure | Zoe Harrison 15:24 – Lesson 2: When comparison feels like failure | Alex Depledge MBE 23:31 – Lesson 3: You don’t need to hit rock bottom | Millie Gooch 31:26 – Lesson 4: The failure of never starting | Joshua Raymond 34:50 – Lesson 5: When money fails us | Stewart McCulloch 39:48 – Anna’s final thoughts on failure Follow:Alex’s Depledge: https://uk.linkedin.com/in/alexandra-depledge-mbe-22b57a14 Zoe Harrison: https://www.instagram.com/zoeharrison123?stkn=MW1xcWVydW93N3N5Zg== Millie Gooch:  https://www.instagram.com/milliegooch?stkn=M2c3andteGN4eXMyJoshua Raymond: https://www.instagram.com/xtb_uk?stkn=MTAya3l2eGE1YWd1cQ==Stewart McCulloch: https://www.instagram.com/capuk_org?stkn=bGNtbjR4Z2l6eWJs 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

  8. Sep 1

    What Nobody Tells You About Money, Marriage and Motherhood with Elizabeth Idowu

    She has spent years on the front line of one of the most transformative moments in a person's life, and what she has seen challenges so much of what we assume we know. Mamadinya (Elizabeth Idowu) is an NHS midwife, educator, author of I'm Pregnant Now What? and founder of Mama's Classes. In this episode of the Money & Us podcast, Anna sits down with Mamadinya to explore one of the most important and undertalked intersections of all. Money and having a baby. Birth rates are declining. More and more people are choosing not to have children, or delaying the decision, and there is no disputing that finances play a significant role in that. For those who do take the leap, 97% of pregnant women worry about money, and so many of the anxieties women face during pregnancy are ones that financial support could actually ease. Mamadinya talks openly about what having a baby truly reveals about a relationship, why the village that used to support new mothers has gradually been disappearing, and why so many mums end up being the ones doing all the giving with nothing left for themselves. She also gets into the financial realities most people never discuss, and why looking after mum has to be part of the plan, not an afterthought. Whether you're pregnant, thinking about having a baby, weighing up whether you can afford to, or simply someone who loves or supports someone going through that season of life, there is something in this episode for you. Key Moments: 97% of pregnant women worry about money, and why that statistic matters more than most people realiseThe biggest misconception people carry into parenthood, and why it catches so many off guardWhat having a baby really reveals about a relationship, and whether someone wants to be a partner as much as they want to be a parentWhy so many of the anxieties women face in pregnancy are ones that money can actually fixWhy so many new mums end up being the only ones pouring into others with nothing left for themselvesWhy the village that used to support new mothers has largely disappeared, and what to do insteadThe one piece of financial advice Mamadinya wishes more women would hear before they give birthWhat wealth means to Mamadinya, and why her answer is all about communityChapters: 00:00 Introduction01:49 Fact or Fiction: 97% of Pregnant Women Worry About Money03:28 The Biggest Misconceptions About Pregnancy06:08 Why Mamadinya Started Educating Women Online08:23 The Pregnancy Fears Women Worry About Most11:20 What Expectant Parents Are Really Afraid Of13:57 Do You Want To Be A Parent… Or A Partner?16:54 Green Flags To Look For Before Having Children19:18 Why Relationships Change After Having A Baby22:04 The Card Game Every Couple Should Play Before Pregnancy26:18 How Much Money Should You Save Before Having Children?31:29 Why Mums Need Looking After Too33:54 Money Anxiety During Pregnancy36:33 The Baby Products You Don't Actually Need41:02 Why Every Mum Deserves Better Postnatal Care44:20 Pregnancy, Social Media & The Pressure To Bounce Back46:04 Pregnancy Depression Nobody Talks About47:26 Should Partners Carry More Of The Financial Load?52:18 The Funniest Labour Ward Stories56:28 The Identity Shift That Comes With Motherhood59:22 Why So Many Mothers Grieve Their Old Life01:03:11 Life Doesn't End After Motherhood01:05:06 What Pregnancy Teaches You About Resilience01:08:25 Why Every Mum Needs A Support Network01:11:37 What Wealth Really Means01:13:20 Final Thoughts Follow Mamadinya: Instagram: https://www.instagram.com/mamadinya/?hl=en LinkedIn: https://uk.linkedin.com/in/elizabeth-idowu-b771aa290 Website: https://www.mamasclasses.com Buy Talks By The Bump: https://talksbeforethebump.com Buy I’m Pregnant … Now What?: https://amzn.eu/d/01WpjWta 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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