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. How to check your investing portfolio in times of crisis | Investing Stakes episode 3

    4D AGO

    How to check your investing portfolio in times of crisis | Investing Stakes episode 3

    The Middle East conflict is sending shockwaves through the market. While most investors are panicking, Stratiphy expert Chris Ling explains why "sitting on your hands" is the ultimate power move for your ISA. 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. Catch episodes one and two on our channel 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. 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. Chapters 00:00 Intro & Episode Highlights 00:45 Welcome to Investing Stakes Episode 3 01:18 What is Stratiphy? (The Quantitative Approach) 02:40 Investing Principles During Market Stress 03:01 Why "Doing Nothing" is Often the Best Strategy 04:20 The £500 Portfolio Challenge: Initial Results 05:37 Personal Reactions: Zen vs. Constant Refreshing 07:13 The Power of Conviction in Long-Term Investing 08:20 The "Overreaction Tax": Why Panic Costs 1.5% a Year 08:50 Pound Cost Averaging: Turning Downturns into Gains 11:04 Sequencing Risk & Managing Retirement Funds 11:45 Performance Reveal: Beige Fox vs. Black Elephant 13:20 Market Analysis: How the Iran Conflict Impacted Benchmarks 16:12 Winning Stock: Why Marathon Petroleum ($MPC) Soared 18:35 Why Oil Refiners Benefit from Rising Prices 19:21 Analyzing the Losers: Copper, Gold, and the AI Boom 22:50 Market Outlook: Is a Recovery on the Horizon? 24:45 Community Q&A and Final Thoughts 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.

    27 min

  2. MAR 26

    Your Pension is an Investment - Stop Treating it Like Savings

    Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251 This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more. Most people treat their pension as a passive "set and forget" savings account. They are wrong. In this episode, Edmund Greaves and Chris Tuite are joined by Clare Moffat, pension and tax expert at Royal London, to dismantle the myths that keep the UK "under-saved."  We tackle why a staggering 25% of young workers misunderstand their own money and why the "default fund" might be the biggest hurdle to your future wealth. The Default Fund Trap: Why "safe" is actually risky for anyone under 50. The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth. The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57. The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance. The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost. "Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance." Resources & Links: Royal London Research: Pensions and Adequacy Report (via Oxford Economics). Mouthy Money: Visit our website for more no-nonsense financial guideshttps://mouthymoney.substack.com/ Follow Edmund Greaves: https://www.linkedin.com/in/edmundgreaves/  MOUTHY MONEY 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. What’s inside this episode: -The Default Fund Trap: Why "safe" is actually risky for anyone under 50. -The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth. -The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57. -The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance. -The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost. "Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance." Resources & Links: Royal London Research: Pensions and Adequacy Report (via Oxford Economics). Mouthy Money: Visit our website for more no-nonsense financial guideshttps://mouthymoney.substack.com/ Follow Edmund Greaves: https://www.linkedin.com/in/edmundgreaves/  MOUTHY MONEY 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.

    38 min

  3. MAR 19

    Five middle class wealth traps you might fall into - and how to escape them

    Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251 This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more. Are you building wealth, or are you just "managing a slow-motion crisis"? In this episode, Ed and Chris pull back the curtain on the "Middle-Class Wealth Trap"—a set of outdated financial rules that leave professionals feeling "squeezed" despite high incomes and rising property values. From the psychological weight of growing up with financial insecurity to the technical "cliff edges" of the UK tax system, we diagnose the 5 invisible traps that are quietly draining your net worth in 2026. In this episode, you’ll discover: The Property Prison: Why your primary home might be your biggest liability, not your best investment. The "Safe Cash" Mirage: How high-street savings accounts are a guaranteed loss of purchasing power after inflation and tax. The 60% Stealth Tax: Why earning £100k can actually make you poorer—and the one legal mechanism to fix it. The Default Fund Trap: The hidden reason your workplace pension is under-performing (and why you shouldn't own bonds in your 30s). Lifestyle Creep vs. Deflation: How to stop "convenience spending" from stealing your compound interest. Whether you're a "Paper Millionaire" or a high-earner who still feels the monthly pinch, this episode provides a diagnostic toolkit to help you move from accidental wealth to intentional freedom. Ready to audit your finances? Watch along to see where you sit on the "Trap Scale" and let us know your biggest financial "Aha!" moment in the comments. Personal Finance UK, Wealth Building, Investing for Beginners, Pensions UK, Tax Efficiency, Middle Class Wealth, Property vs Stocks, Salary Sacrifice, Lifestyle Creep, Financial Independence. *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.

    27 min
  4. The "ISA Bridge": Why Age 55 is No Longer the Pension Goal (and how to fix your plan)

    MAR 12

    The "ISA Bridge": Why Age 55 is No Longer the Pension Goal (and how to fix your plan)

    Stop aiming for a retirement age that doesn't exist anymore. 🛑 If you have "55" in your head as your magic number to quit work, you’re aiming for a ghost target. Between the private pension age rising to 57 in 2028 and the State Pension creeping toward 70, your money might be locked away much longer than you planned. In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite break down the "ISA Bridge"—the essential investment strategy to fund the "gap" between the day you want to stop working and the day you can actually touch your pension. We’re getting into the nuts and bolts of the "Three-Pot" Strategy: The Cash Buffer: Why your rainy-day fund needs to grow with inflation (and how much is actually enough). The Pension Engine: Navigating SIPPs, workplace contributions, and that juicy 40% tax relief. The ISA Bridge: Why this "get out of jail free card" is the only way to retire on your own terms. Plus, a reality check: Chris shares the honest struggle of managing a 30-year mortgage and childcare costs in 2026 while trying to build for the future. Timestamps: 00:01 – Why "55" is a lie: The shifting retirement goalposts 01:12 – The 3 Core Products for long-term saving 02:22 – The Cash Buffer: Rules of thumb vs. Reality 04:15 – Inflation-proofing your emergency fund 05:04 – The "Steam Engine": Workplace pensions and SIPP consolidation 07:43 – The Tax Relief trap: Don't leave money on the table 08:19 – 2028 Warning: The rising private pension age 09:50 – Will the State Pension age hit 72? 11:05 – Defining the ISA Bridge: Flexibility vs. Restrictions 13:09 – The Mortgage Hurdle: Retiring with 30 years left 18:59 – How to get clarity on your own wealth vehicles 21:04 – Critical Illness & Life Insurance: The protection piece *MOUTHY MONEY* *Our substack* mouthymoney.substack.co.uk  *Get in touch* ⁠⁠editors@mouthymoney.co.uk ⁠⁠ #RetirementPlanning #ISABridge #PensionGap #FinancialIndependence #MouthyMoney #InvestingUK2026 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.

    23 min
  5. Why the Iran Crisis Could Push Mortgage Rates Higher

    MAR 4

    Why the Iran Crisis Could Push Mortgage Rates Higher

    In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite break down how the escalating Iran crisis could ripple through energy markets, inflation, interest rates and ultimately your mortgage. While we’re not a geopolitics show, the financial consequences of global instability are impossible to ignore. Rising oil and gas prices are already shifting market expectations around Bank of England rate cuts. That matters if you're remortgaging, buying your first home, or watching swap rates nervously. We explain the chain reaction from the Middle East conflict to UK mortgage pricing and what it means for homeowners right now. Key topics covered: ▉ Why the Iran conflict is pushing up global energy prices▉ How gas supply disruption affects UK inflation▉ Why markets are downgrading expectations for rate cuts▉ What swap rates are — and why mortgage lenders care▉ What this means for people remortgaging in 2026▉ Whether investors should panic about market volatility▉ Lessons from Ukraine, Covid and previous energy shocks▉ How to stay calm and stick to a long-term financial plan If you're concerned about mortgage rates, rate cuts, or the cost of living returning, this episode explains the mechanics. Chapters 00:00 – Introduction: Why this crisis matters for your money01:30 – What’s happening in Iran and why markets reacted03:00 – Stock markets and investment portfolios06:00 – Energy prices and the return of cost-of-living fears09:20 – Inflation risk and the Bank of England10:45 – Swap rates explained (and why mortgages follow them)13:30 – Remortgaging in 2026: what to watch16:00 – Investment strategy during volatility18:30 – Final thoughts: stick to your plan If you’re remortgaging soon or worried about where rates are heading, let us know in the comments. MOUTHY MONEY *Our substack* mouthymoney.substack.co.uk  *Get in touch* ⁠⁠editors@mouthymoney.co.uk ⁠⁠ *Apple Podcasts* https://podcasts.apple.com/us/podcast/mouthy-money/id1712308475 *Spotify* https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=SkMD_90qSs-K3QNb8b-6YQ  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.

    22 min
  6. Diversification: Is a 10 stock investment portfolio broad enough? | Investing Stakes with Stratiphy

    MAR 3

    Diversification: Is a 10 stock investment portfolio broad enough? | Investing Stakes with Stratiphy

    In Episode 2 of Investing Stakes, Edmund Greaves and Chris Tuite review their live £500 investment portfolios on the Stratiphy platform, two weeks after launch. One portfolio is up 3.13%. The other is trailing the market. But the real story isn’t short-term returns, it’s what’s happening beneath the surface of global markets. 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 we cover: ◼️ How many stocks you actually need for diversification ◼️ Why returns diminish beyond 15–30 holdings ◼️ Momentum vs moving average strategies explained ◼️ The “SaaSpocalypse” hitting tech and AI stocks ◼️ US vs UK vs Europe performance in 2025 ◼️ Whether global index funds are too exposed to America Plus: gold miners, energy stocks, Alphabet, Nvidia earnings, and what comes next. If you’re investing in global index funds, considering momentum strategies, or wondering whether tech stocks are entering a dangerous phase, this episode considers what’s actually happening without hype. 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. *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. *Chapters* 00:00 – How Many Stocks Do You Really Need? (10 vs 30 vs 300) 00:38 – Introducing Investing Stakes Episode 2 03:04 – Two Weeks In: Portfolio Performance Update 05:22 – What’s Inside the Momentum Portfolio? 08:47 – Why Alphabet Appears Twice (Concentration Risk Explained) 10:42 – Does Diversification Stop Working After 30 Stocks? 13:17 – Momentum vs Moving Averages: How Strategy Rotation Works 17:32 – Global Market Update: Why the US Is Flat in 2025 20:31 – Are Global Index Funds Too Exposed to the US? 23:30 – How Institutional Rebalancing Drives Market Momentum 27:10 – The “SaaSpocalypse”: Why Tech Stocks Are Suddenly Falling 30:05 – Alphabet, AI & Big Tech: Winners or Overvalued? 31:17 – The Case for Tangible Assets Over AI Stocks 32:53 – What’s Next: Nvidia Earnings & Portfolio Changes 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.

    35 min
  7. An AI Squirrel Won’t Fix Britain’s Investing Problem

    FEB 26

    An AI Squirrel Won’t Fix Britain’s Investing Problem

    Why are so many Brits still afraid to invest? And can an AI squirrel really change that? In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite look at the Government’s push to get more people investing, including a controversial marketing campaign reportedly built around a “savvy” AI-generated squirrel. Will a multi-million pound advertising drive boost retail investing in the UK, or is it missing the real barriers holding people back? We explore: ▇ Why investing in the stock market still feels intimidating to many people ▇ The psychology of “investophobia” and risk aversion ▇ Why most people are already investors through their workplace pension ▇ The cultural stigma around being an “investor” ▇ Cash ISAs vs Stocks & Shares ISAs and whether tax policy can shift behaviour ▇ Why pensions are often described as “free money” ▇ The legacy of the 1980s TellSid campaign and what modern campaigns can learn from it ▇ How index funds, diversification and long-term investing actually work ▇ Practical ways to overcome inertia and start investing We also debate whether the UK needs clearer messaging, stronger financial education, or even a government-backed investment fund to kickstart a new investment culture. Subscribe for straight-talking conversations about personal finance, investing, pensions, ISAs and building long-term wealth. Chapters 00:00 – The government wants more people investing 02:00 – The £7–10m AI squirrel campaign explained 05:30 – TellSid vs modern financial marketing 08:00 – Investophobia: why people fear the stock market 11:30 – Risk warnings, paralysis and choice overload 14:00 – The cultural cringe around being an “investor” 17:30 – You’re already an investor (thanks to your pension) 21:00 – How capitalism rewards investors 23:30 – Index funds, diversification and long-term returns 25:30 – Cash ISAs, tax policy and behaviour change 27:30 – “Free money”: the workplace pension argument 29:30 – What would actually get Britain investing? 31:00 – Final thoughts and practical takeaways 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.

    32 min
  8. Voters don't care about GDP. They just want lower bills.

    FEB 19

    Voters don't care about GDP. They just want lower bills.

    Politicians keep telling us the economy is improving. GDP is growing. Inflation is falling. So why does it still feel like we’re getting poorer? In this episode of Mouthy Money, we dig into the widening gap between headline economic data and everyday reality. Polling expert Scarlett Maguire, founder of Merlin Strategy, explains why voters don’t associate economic growth with improvements in their own lives - and why energy bills, housing costs, food prices and tax matter far more than GDP figures. We explore why anger at regulators and utility companies is rising, why demands for direct Government intervention are growing and how this disconnect is fuelling political instability on both the left and the right. Even if growth returns, will people actually feel better off? *Chapters* 00:00 GDP Growth vs Cost of Living Crisis (UK Economy Explained) 01:15 Who Is Scarlett Maguire? Political Polling & Economic Research 02:10 Why UK Voters Don’t Care About GDP Growth 04:30 What “Cost of Living” Really Means (Housing, Energy, Food, Tax) 07:20 Inflation Falling – Why Prices Still Feel High 09:05 Has the Pandemic Made Britain Poorer?12:40 Economic Anxiety and the Rise of Populism 15:10 The Misery Index: Inflation + Unemployment Explained 17:45 Why UK Energy Bills Are So High 20:50 Ofgem, Price Caps and Energy Market Regulation 23:35 Should the Government Cut Energy Bills? 25:15 Why Brits Don’t Invest (Savings, Pensions, Risk) 28:05 Are We Heading for UK Economic Recovery? 31:00 Youth Unemployment and the Housing Crisis 33:30 What Happens If Growth Returns – Will Voters Feel It? 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.

    33 min
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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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