1D AGO

Is Your Money Mindset Secretly Costing You? (The Truth About Success Fear)

You’ve done everything “right”. You’ve built the career and secured a capital pot of £50k–£100k+, yet you still feel like you’re falling behind. Why does taking the next step with your money feel so heavy? In this episode of The Bungalow, we peel back the layers on the “internal rules” that are silently dictating your financial future. We’re moving past the jargon and the success theatre to talk about the deep psychological shifts required to stop your money from losing value through inaction. Inside this conversation: The Vocabulary of Wealth: Why changing just one word—switching from “poor” to “broke” - rewires your brain for problem-solving instead of a permanent state of lack. Neutralizing the charge: How to strip the fear and emotion away from your capital by viewing money as a neutral tool rather than a source of stress. The Ultimate Act of Self-Care: Why spending 15 minutes a week with your numbers is an act of self-respect that buys you a lifetime of peace. Forgiving the 20s: A relatable look at past financial stupidity; and why letting go of old mistakes is the only way to build a secure legacy for your family today. Abundance vs. Scarcity: Breaking the "money doesn’t grow on trees" cycle and training your brain to see opportunities where others see risks. If you’re ready to grow your pot calmly and steadily without the noise, this episode is your guide to moving from a passive learner to a confident action-taker. Listen now for a transparent, jargon-free look at how to finally feel proud of how you handle your money.

20 min

FEB 17

The £100k Secret Banks Don’t Want You to Know

The £100k Secret Banks Don’t Want You to Know Is your money working as hard as you are, or is it just a "TV slob"? Welcome to The Bungalow, the podcast where Kim and Nicky pull back the curtain on the "establishment" secrets of wealth creation. If you have a pot of cash sitting "safely" in a bank account, you aren't just losing out—you are funding the bank’s business model while inflation quietly erodes your future. We provide the financial inspiration you need to stop being a passive saver and start being the bank. From navigating the adrenaline-fueled world of property auctions to exposing the hidden fees in your pension and the "old school" myths of paying off your mortgage, we explore the five most powerful ways to deploy £100,000 for maximum impact. On this podcast, we explore: The Business of Property: How to use leverage, add value, and recycle capital to turn one investment into a legacy.Sophisticated Investing: Why the press and financial institutions don't talk about private lending and how you can earn double-digit returns by backing entrepreneurs.The Wealth Mindset: Breaking free from "island mentality" and narrow-minded financial habits to build the life you really want.Stop letting your money be lazy. It’s time to zoom out, give your money a job, and secure your future.

35 min

FEB 10

Five everyday habits that quietly keep people stuck financially.

You’re earning well. You’ve worked hard. You’ve done what you were “supposed” to do. So why does it still feel like your money isn’t really going anywhere? In this episode of The Bungalow, Kim and Nicky break down the five everyday habits that quietly keep people stuck financially. Even smart, capable people with good incomes and decent savings. This isn’t about blame. And it’s definitely not about hustle or hype. It’s about the small, invisible behaviours that drain momentum over time: – Paying yourself last – Letting bad debt linger – Avoiding your numbers – Confusing saving with investing – Waiting for the “right time” to start If you’ve ever thought “I should be further ahead than this”, this conversation will hit home. Calm, honest, practical…and completely fixable. 🎧 Listen now, take notes, and start making small changes your future self will thank you for.

27 min

FEB 3

Are you choosing life or just letting it happen?

Most people aren’t stuck. They’re busy — and quietly drifting. In this episode of The Bungalow, Kim shares the single question she was asked at a packed property event that stopped her in her tracks and ultimately changed the direction of her life. Nothing was “wrong”. The business was working. The money was coming in. But one question forced her to step back and ask whether what she was building was actually taking her where she wanted to be — or just keeping her occupied. This episode isn’t about motivation or hustle. It’s about direction. About recognising when effort, comfort and momentum are no longer aligned with the life you want — and having the courage to change course. If you’ve ever felt: busy but unfulfilledsuccessful on paper but restless underneathunsure whether to double down or step backthis is the conversation you need.

28 min

JAN 27

Good Debt, Bad Debt — And the Quiet Mistakes Keeping You Working Longer Than You Need To

Good Debt, Bad Debt — And the Quiet Mistakes Keeping You Working Longer Than You Need To Most of us were taught that debt is bad. But no one ever explained that some debt quietly makes you poorer… while other debt can help you build real, lasting wealth. In this episode of The Bungalow, we break down the difference between good debt and bad debt — without jargon, hype, or pressure. We talk honestly about: Why car finance, credit cards and “buy now, pay later” keep people stuckHow banks are incentivised to say yes to the wrong kind of borrowingWhy good debt takes intention (and bad debt creeps up on you)How property, inflation and leverage can work in your favour — if you understand the rulesAnd the quiet mindset shift that separates people who look wealthy from people who actually areThis isn’t about judgement or telling you what to do. It’s about understanding the game - so you can decide how you want to play it. If you’ve done “all the right things” but still feel like your money isn’t working hard enough… this episode is for you.

24 min

JAN 20

Set your life on fire — or stay financially stuck

You don’t need more money. You need more choice. In this episode, we unpack the real meaning of FIRE — Financial Independence Retire Early — and why staying comfortable can quietly keep you financially stuck. We explore how people with decent incomes and healthy savings still lose ground over time, not through bad decisions, but through inaction, fear and outdated ideas about risk, retirement and security. You’ll hear: why FIRE is about freedom, not retiring earlythe different FIRE paths — from Lean to Coast — and how to choose what fits your lifehow to work backwards from the life you want, not forwards from your salarypractical ways to start building financial independence without hype or pressureThis is a calm, honest conversation for people who want their money working harder — safely, intentionally, and without being sold to. If you’re ready to stop standing still and start designing your future properly, this episode will change how you think about money. The Bungalow is presented by Nicky Brewin & Kim Rossiter www.thebungalowpodcast.com Did you know that we’re now on YouTube? Watch this episode at https://www.youtube.com/@TheBungalow_Podcast If you want to say hi, drop us a line hello@thebungalowpodcast.com

29 min

JAN 13

What Actually Matters When You Invest in Stocks & Shares

What Actually Matters When You Invest in Stocks & Shares Most people don’t avoid investing because they’re bad with money. They avoid it because it’s been overcomplicated. In this episode, we cut through the jargon and strip stocks and shares back to what actually matters: how they work, why simplicity beats cleverness, and how long-term investors grow money without watching the market or second-guessing every move. If you’ve got cash sitting on the sidelines, feel overwhelmed by conflicting advice, or just want a clear, calm starting point before you invest, this episode gives you the low-down — minus the noise, pressure, or hype.

23 min

JAN 6

What the wealthy understand about money (that most people never learn)

Most people are taught to save money. The wealthy are taught to understand it. If you’ve done everything right but still feel your money could be doing more, this episode explains the difference that actually matters. In this episode of The Bungalow, we unpack the quiet distinctions that separate people who feel stuck — even on decent incomes — from those who build real financial freedom over time. We talk about: Why the wealthy see money as a tool, not something to hoardThe difference between saving for safety and investing for choiceWhy fear of “getting it wrong” keeps capable people frozenHow assets — not income — quietly fund the wealthy lifestyleThe mindset shift from “Can I afford this?” to “What would pay for this?”How risk looks very different once you understand it properlyThis isn’t about champagne lifestyles or overnight success. It’s about learning how calm, rational people gradually make money work harder for them — without hype, pressure, or doing anything reckless. If you’ve done “everything right” but still feel like time is speeding up and your money could be doing more… this conversation will give you a clearer way of thinking about what comes next.

21 min

The Bungalow

Episodes

Is Your Money Mindset Secretly Costing You? (The Truth About Success Fear)

The £100k Secret Banks Don’t Want You to Know

Five everyday habits that quietly keep people stuck financially.

Are you choosing life or just letting it happen?

Good Debt, Bad Debt — And the Quiet Mistakes Keeping You Working Longer Than You Need To

Set your life on fire — or stay financially stuck

What Actually Matters When You Invest in Stocks & Shares

What the wealthy understand about money (that most people never learn)

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