Mouthy Money: Building wealth with long term investing and saving strategies
Published by 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.
Most parents want to give their kids a financial head start — few realise how much a Junior ISA can do it. Chris Tuite is joined by Stephen McGee, CEO of Scottish Friendly, to explain how JISAs work and why starting early matters so much. They cover the £9,000 annual allowance, why cash isn't the safe option it feels like, and what £1,000 actually becomes over 18 years. Stephen also makes the case for a small rule change that would let grandparents open a Junior ISA for their grandchildren — something they currently can't do. Whether you're a new parent, a grandparent, or just starting to think about saving for the family, this one's for you. Got a question about Junior ISAs? Get in touch — we'll put it to a future guest. This podcast is for information only and is not financial advice. Investing carries risk and your capital is at risk. Past performance is not a guide to future returns.
£500 a month has just freed up. Do you kill the mortgage — or supercharge the pension? When childcare costs drop, most households would love the problem Chris is facing: a few hundred pounds a month to redirect, and one big decision to make. Overpay the mortgage and be debt-free years early, or pour it into the pension and let compounding do the work? So Ed and Chris ran the real numbers on Chris's own finances — a £453k mortgage on a 29-year term, 27 years to retirement — and modelled both paths. The gap is bigger than you'd think: roughly £750k in the pension one way, around £1.3m the other. But as they get into tax relief, the spread between market returns and mortgage rates, what each route means for retirement income, and a smart way to clear the mortgage with tax-free cash, it becomes clear the spreadsheet answer isn't always the one you'd choose. In this episode: - How £500 a month becomes a six-figure difference over 27 years - Why a guaranteed 4.5% saved isn't the same as a hoped-for 7% earned - Where both options land against the "comfortable retirement" benchmark - Using your 25% tax-free lump sum to clear the mortgage — and the trap of doing it the wrong way - Why pensions and property are now taxed very differently when you pass them on Team mortgage or team pension? We'd love to hear how you'd play it. We don't give financial advice — we're talking through our own situations. Everything here rests on assumptions that will change, so if you're weighing this up yourself, speak to an FCA-regulated financial adviser. (0:00) The £500 question (1:39) Chris's 29-year mortgage problem (2:27) The reveal: £750k vs £1.3m (4:42) Why the real number could be higher (6:54) Shorting inflation & the 2.5% spread (8:48) Clearing the mortgage a decade early (9:30) What it means in retirement (11:09) Finishing the mortgage with tax-free cash (12:18) The inheritance tax trap: home vs pension (15:27) A two-pronged plan (17:39) The discipline problem (18:51) Inflation, rates & staying ahead (20:51) So, what did Chris decide? The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week.🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews📲 TikTok: https://www.tiktok.com/@mouthy.money📸 Instagram: https://www.instagram.com/mouthymoney/✍️ Substack: https://mouthymoney.substack.com/📩 Get in touch: editors@mouthymoney.co.ukListen anywhere:Spotify: https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4uApple: https://podcasts.apple.com/gb/podcast/mouthy-money/id1712308475 Full disclaimer: Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.
Every month, Ed and Chris put real money into their own strategies, run them live on Stratiphy and compare results with an expert on hand to explain the damage. 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. This episode: Alphabet is in everyone's portfolio, but is there a smarter way to back the same story? Enter Corning — the 1851 glassmaker quietly building the fibre optics that AI data centres can't run without. Plus, Ed's portfolio flashes its first sell signal, and the gap between the two strategies starts to open up. Picks and shovels, bubble talk, and a lesson in why one day's performance tells you nothing. ⏱️ Chapters 00:00 Intro 00:48 Stratify update: concentration limits and rebalancing 02:42 Why Alphabet is in every portfolio — except Chris T's 03:57 The tech-sceptic case: waiting for the correction 06:01 Is Alphabet diversified enough to survive? 08:15 The fundamental view: valuations, CapEx and the cloud backlog 11:53 Corning: the picks-and-shovels alternative 14:12 Why a monopoly on the infrastructure beats picking winners 16:37 The strategies: scores on the doors 18:01 What's driving the gap — and the risk-adjusted picture 20:16 Ed's first sell signal 22:04 The one-day drop that means nothing 23:26 Final thoughts Capital at risk. This episode was made in partnership with Stratiphy. The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk Listen anywhere: Spotify: https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u Apple: https://podcasts.apple.com/gb/podcast/mouthy-money/id1712308475 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. Full disclaimer : Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.
Somewhere in Britain, someone has £40,000 in a savings account and can't tell you why. It crept up a pound at a time, each one buying a little more peace of mind. And most of it is now going backwards. We're taught that saving is the safe choice. But past a point, cash stops protecting you and starts costing you — and almost nobody can tell you where that point sits. This week, Ed and Chris Tuite work out how much cash you should actually keep. Three things that move your number: how safe your job is, what fallback options you have, and how well you sleep at night. Then the part most people skip — what to do once you hit your number, why you flip your saving ratio, and the £19,000 difference it makes over 20 years. Got a rainy day fund? Tell us your number in the comments. The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, weekly): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money.news 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk 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. Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.
Most of us treat our monthly budget like a fixed thing: money comes in, bills go out, and whatever's left is what's left. But that's rarely the whole story. In this episode, Edmund and Chris dig into how to sweat every pound in your budget — the five rules they actually use themselves, where they're getting it right, and where they're (cheerfully) getting it wrong. No "skip your morning coffee" clichés. Just honest, practical budgeting from two people who track this stuff to the penny — including the real numbers from Chris's own household and the framework Ed has used for a decade. What we cover: -Why you should always pay yourself first -The 50/20/30 rule — and when to ignore it -How to split bills fairly when you and your partner earn different amounts -Working out your "why" before you worry about the how -Good debt vs bad debt, and how to dig your way out The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe on YouTube: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk 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. Full disclaimer: Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.
Mortgage rates were supposed to be climbing — Middle East tensions, inflation creeping back, every reason for lenders to get nervous. So how has Chris just secured a deal cheaper than the one he's on? In this episode he walks through exactly how he did it: the rate he's reserved, why he hasn't signed yet, the fix-vs-tracker decision we couldn't quite agree on, and how long he's got before the September deadline. If you've got a remortgage coming up, this is the one that could save you money.⚠️ We're not financial advisers and this isn't financial advice. Everything here is illustrative — we're sharing how we think about our own situations. Figures and projections are assumptions, and past performance is no guide to the future. Do your own research or consider speaking to a regulated adviser before making decisions.👍 Like and subscribe for new episodes every week.🎙️ Weekly podcast on Spotify, Apple & Amazon ✍️ In-depth writing at https://mouthymoney.substack.co.uk *MOUTHY MONEY**Our substack* https://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._
Chris has just passed £100,000 in his pensions — the "tipping point" where, in theory, your investment growth starts doing more work than your own contributions. In our last episode we explained what the tipping point is. This time it's personal: Chris has hit it, and the question is what comes next. Ed and Chris talk through the three big questions that follow the milestone. How did Chris get here, and what role did discipline, regular contributing and employer matching play? What should his portfolio look like now — and why is he rebalancing away from a heavy UK "home bias" toward a more global spread? And the one that quietly matters more as your pot grows: charges. Once you're into six figures, even a small percentage fee starts costing real money, and Chris walks through why drifting from a low blended cost to a higher one could cost him a six-figure sum over 25 years. Along the way: Charlie Munger's "first £100k is the hardest" idea, the rule of thumb that a pot can double every decade, why a million pounds in 25 years won't be worth a million in today's money, and when it's worth looking at a fixed-fee platform instead of a percentage-based one. ⚠️ We're not financial advisers and this isn't financial advice. Everything here is illustrative — we're sharing how we think about our own situations. Figures and projections are assumptions, and past performance is no guide to the future. Do your own research or consider speaking to a regulated adviser before making decisions. If you've got your own tipping point in mind — whether you're miles off it or already past it — tell us in the comments. We also collect listener questions to put to experts in the field, so drop yours below. 👍 Like and subscribe for new episodes every week. 🎙️ Weekly podcast on Spotify, Apple & Amazon ✍️ In-depth writing at mouthymoney.substack.com *MOUTHY MONEY* *Our substack* https:// 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.
Anthropic — the company behind Claude — has filed confidentially for an IPO, with OpenAI and SpaceX circling public markets too. The valuations are staggering. But when expectations run this high, the debut itself becomes a test: is this a once-in-a-generation boom, or are the warning signs already flashing? 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 of Investing Stakes, Edmund Greaves is joined by Chris Ling, Chief Investment Officer at Stratiphy, and Chris Tuite of MRM, to dig into what the Anthropic listing means for ordinary investors. We ask whether AI stocks are overvalued, why huge CapEx spending isn't yet matched by revenue, and what the recent pullback from firms like Uber, Duolingo and Microsoft tells us about the road ahead. We also look at the "picks and shovels" approach — backing the infrastructure around AI rather than betting the house on a single stock — and check in on how our own Stratiphy portfolios are performing. Catch earlier episodes in the Investing Stakes series 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. Chapters 0:00 The AI IPO race: Anthropic, OpenAI, SpaceX 1:50 What is Stratiphy? 3:25 Why Anthropic is going public 4:55 Does the AI trade ring alarm bells? 6:05 The bubble case: when CapEx outruns revenue 9:55 How index funds force you into AI stocks 10:50 Can you stay cautious without sitting it out? 13:40 The semiconductor surge and calling the top 15:55 Portfolio check-in: how the strategies are doing 17:40 Picks and shovels: investing around AI 21:45 Is the hype being manufactured for the IPOs? 24:05 Wrap-up 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. 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.
Politicians keep saying they don't want to be "in hock to the bond market" — but what does that actually mean, and who is the bond market anyway? In this episode of the Mouthy Money podcast, Edmund Greaves and Chris Tuite (MRM) pull back the curtain on UK gilts: what government bonds are, how they work, who really owns Britain's £2.9 trillion national debt, and why all of it matters for normal people saving for the long term. Ed and Chris break down how gilts function, why yields rise and fall, and how the bond market can quietly "discipline" an elected government's spending plans — the heart of the left-wing complaint about being beholden to faceless investors. But as they discover, the bond market isn't a shadowy cabal of top-hatted financiers. A huge chunk of it is pension funds, insurers and ordinary savers — quite possibly including you. They also dig into why this isn't abstract: gilt yields set the "risk-free rate" that prices everything from mortgages and annuities to savings rates and the value of the stock market. The 2022 mini-budget showed exactly how political choices ripple straight into your finances. 📊 KEY STATS COVERED: - UK national debt: ~£2.91 trillion (about 94% of GDP — highest since the 1960s) - Annual government borrowing: ~£132 billion - Overseas investors hold ~32% of UK gilts - The Bank of England holds roughly 19–24% - Banks & financial institutions hold ~23% - UK pension funds & insurers hold ~21% — and own nearly half the index-linked gilt market - Less than 1% of gilts are held directly by households 💬 What do you think — is the bond market a healthy check on government spending, or an undemocratic constraint? Let us know in the comments. We try to reply to everyone. 👍 Like, subscribe and hit the bell for weekly personal finance that puts the personal back into your money. 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.
Inflation is falling in the UK, at least, according to the official numbers. But for a lot of people, the cost of living still feels painfully high. Petrol prices are rising again, energy bills could jump later this year, and households are still feeling the aftershocks of the inflation spike that followed the Ukraine war.In this episode of the Mouthy Money Podcast, Ed and Chris dig into the latest UK inflation figures and ask why the story feels so disconnected from everyday life. They look at energy prices, fuel duty cuts, VAT changes and the government’s latest cost of living measures, along with the role the Bank of England plays in controlling inflation and interest rates.The conversation also explores what higher inflation means for mortgages, savings accounts, investing and long-term financial planning. Are markets really prepared for another inflation shock? Could government support measures make things worse again? And why do inflation statistics often feel so different from people’s real-world experience? 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.
Are you staring down the barrel of a remortgage? You aren't alone. In this episode, Ed and Chris tackle the ultimate UK homeowner’s dilemma: do you lock in the safety of a fixed-rate mortgage, or roll the dice on a tracker in a completely unpredictable market? With his own remortgage deadline looming, Chris pulls back the curtain on his options, the maths behind his strict new household budget, and the agonising psychological battle of trying to time the market. Meanwhile, Ed delivers some hard truths on why waiting to “get lucky” with interest rates is a dangerous game to play. The guys also break down exactly how global tensions, inflation expectations and looming UK political chaos are feeding directly into swap rates and what that means for your monthly repayments. In this episode, we cover: The Fixed vs. Tracker Debate: Which makes more sense right now? The Macro Effect: How the Middle East crisis and UK political uncertainty are actively shaping mortgage rates. The "Luck" Fallacy: Why you should stop waiting for a lucky break and take control of your debt. Practical Defense Strategies: The power of overpaying, managing your Loan-to-Value (LTV) ratio, and bulletproofing your rainy day fund. The Safety Net: How to lock in a baseline rate today while keeping your options open for tomorrow. 04:09 – Rolling the Dice: The Gamble of the Tracker 05:47 – Ed’s Take: Why Certainty Wins 08:28 – The Hidden Factor: UK Political Uncertainty 10:42 – The Psychology of Debt & Chasing "Luck" 13:36 – Forcing Your Own Fortune: The LTV Strategy 16:15 – The Budget Bulletproof Test: Protecting the Rainy Day Fund 18:33 – The Power of Overpaying & Overcoming Behavioral Anchoring 21:09 – Outro: Let Us Know Your Strategy *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.
In this episode of Mouthy Money, Ed is joined by Sahar Nazir to tackle the ultimate financial dilemma: should you spend your hard-earned cash on an annual holiday, or invest it for your future? With the average Brit planning to drop over £5,500 on holidays this year, we break down the staggering maths of compounding interest. Could that week in the sun actually be stealing half a million pounds from your retirement? We share our biggest vacation spending regrets (including missed flights across the Andes!), debate the "buy it twice" luxury rule, and reveal our top strategies for balancing immediate gratification with long-term wealth building. Whether you're a hardcore saver or a massive spender, this episode is packed with hacks to help you pay yourself first, travel without guilt, and rethink your out-of-office plans. Don't forget to let us know in the comments: Are holidays an essential part of your year, or a luxury you’re willing to sacrifice for financial freedom? 00:00:00 – Intro: The £500,000 Holiday Dilemma 00:01:30 – Welcome Sahar & The £5.5k Holiday Stat 00:02:40 – Ed's Expensive £2,500 Crete Getaway 00:03:40 – Sahar’s Japan Trip & The Weak Yen Hack 00:05:10 – Ed's Worst Holiday Mistake (Stranded in Chile!) 00:07:20 – The Hidden Cost of £5k+ Annual Holidays 00:09:10 – The Math: Turning Holiday Budgets into £519,000 00:10:40 – The "Buy It Twice" Luxury Rule 00:12:30 – Spender vs. Saver Mindsets & Money Regrets 00:14:40 – Striking a Balance: Cheaper Trips & Camping 00:16:30 – Holiday Sinking Funds & Bank Card Mistakes 00:18:10 – The Ultimate Money Hack: Pay Yourself First 00:19:20 – Final Thoughts & Community Question *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.
The stock market just keeps going up, but with ongoing global uncertainty and volatility, why ? In this episode of Investing Stakes, in partnership with Stratiphy, Ed, Chris T, and Chief Investment Officer Chris Ling. consider the psychology of market reversals and why earnings are currently outshining geopolitical tensions. 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. We also reveal a massive update from Stratiphy: the launch of the UK’s first IF ISA for Crypto ETNs alongside 21Shares! Plus, it is time for a portfolio review. We compare our Stratiphy strategies: Ed’s tech-heavy "Black Elephant" vs. Chris T's infrastructure-focused "Beige Fox" and debate the big question: Is the AI infrastructure cycle an overvalued bubble, or the ultimate productivity booster? Catch episodes one and two here to see how we got started with our £500 portfolios: https://www.youtube.com/playlist?list=PLtc6AcTXUfDxsP1ayPKR_abBFtYzb2Ax8 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. 00:00 - Intro: Why is the Stock Market Defying Gravity? 01:35 - Stratiphy Update: UK's First IF ISA for Crypto ETNs 03:40 - Why Markets Ignore Geopolitical Uncertainty 06:15 - The Psychology of Market Reversals & Downturns 08:50 - Portfolio Reveal: Ed vs. Chris vs. Stratiphy 10:30 - Momentum Trading vs. Long-Term Trends 13:00 - The AI Debate: Overvalued Bubble or Future Growth? 16:20 - Future Outlook & Final Thoughts 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. 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.
Are you exposing your money to the wrong kind of risk without even realising it? Everywhere you look online, people are talking about the power of investing—even the government has launched a "savvy squirrel" campaign to encourage it. But what happens when you skip step one? In this episode of Mouthy Money , we dive into a brand-new report from Leeds Building Society that reveals a massive blind spot in how we manage our money. Nearly a quarter of us are either leaving our rainy-day funds exposed to sudden stock market drops, or letting inflation quietly eat away at our future wealth in cash traps. Join us alongside Catherine Wray (Head of Saving at Leeds Building Society) and Chris Tuite (Head of Consumer Finance at MRM Communications) as we discuss the critical importance of building a rock-solid savings buffer before you even think about investing. We cover how much you actually need, the emotional peace of mind an emergency fund brings in an era of "perma-crisis," and how to stop inflation from eroding your hard-earned cash. If you want to protect your money today so it can grow tomorrow, you don't want to miss this! Let us know in the comments: How big is your cash savings buffer? Chapters 00:00 – Intro: Are you taking the wrong financial risks? 00:20 – The Leeds Building Society report: A huge blind spot in UK savings. 01:10 – Guest Intros: Catherine Wray (Leeds Building Society) & Chris Tuite (MRM). 02:30 – The Mismatch: Why we confuse short-term needs with long-term goals. 03:40 – Market Corrections: Why 68% of people are scared to invest. 04:10 – Is Cash a "Trap"? The emotional return on investment (peace of mind). 05:00 – The Competence Gap: Why we get basic financial questions wrong. 05:25 – The "Savvy Squirrel": Criticisms of the government’s investing campaign. 06:05 – Chris’s Strategy: Managing money in an era of "perma-crisis." 07:35 – The Cost of Comfort: How a large buffer impacts long-term pension growth. 08:50 – Why the Boiler Always Breaks: The reality of emergency expenses. 09:45 – Rules of Thumb: The 3-to-6 month savings target. 11:10 – Stop "Languishing": Why your current account is losing you money. 12:45 – Gamifying Savings: Using regular savers to build momentum. 14:15 – Strategy: Utilizing Cash ISAs and fixed-rate bonds. 14:50 – Important Update: Changes to the Cash ISA limit coming in April. 16:30 – Defining the Goal: House deposits, pensions, and long-term plans. 17:30 – Wrap-up: How do you set your savings level? 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.
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 exhausted by the "Perma-Crisis"? Here is how to fight back. Does it feel like we are living in a constant state of emergency? From supply chain meltdowns and crazy inflation to global instability and the rising threat of AI taking jobs, it's easy to feel completely powerless when it comes to your money. It feels like you're running on a financial treadmill just to stay in the same place. But you are not powerless. In this episode, Edmund Greaves is joined by Chris Tuite (Head of Consumer Finance at MRM) to break down the reality of the "perma-crisis" and share the exact, actionable strategies you can use to shield your bank account from the chaos. We discuss the realities of lifestyle deflation, navigating the upcoming mortgage shock, and why long-term investing might be your best defense against short-term anxiety. The Perma-Crisis Reality: Why the economic shocks just keep coming (and why "normal" isn't returning anytime soon). The Mortgage & Energy Squeeze: How inflation and rising interest rates are fundamentally changing household budgets. The AI Job Threat: Why rising unemployment is the next big hurdle, and how to upskill to protect your income. Actionable Defense Strategies: How to build financial resilience through cash safety nets, paying down debt, and strategic "lifestyle deflation." The Long-Term Fix: Why you must keep investing in your pension and ISAs, even when things feel chaotic. Check out Paul Thomas’s mortgage market blog on our Substack here: https://mouthymoney.substack.com/p/the-mortgage-market-faces-profound 00:00 - Intro: Welcome to the Perma-Crisis 03:45 - The immediate impact: Energy shocks and inflation 06:57 - The mortgage trap: Why fixed rates aren't saving us 11:47 - The rising threat of unemployment and AI 15:49 - Actionable steps to protect your money today 20:42 - Why you MUST keep investing for the long term 👇 We want to hear from you! How are you preparing your finances for the current economic climate? Do you have any coping strategies or concerns? Let us know in the comments below—we read and respond to as many as we can! Don't forget to LIKE and SUBSCRIBE for more honest conversations about your money. 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.
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. Has the golden era of the UK buy-to-let market come to an end? The headlines might say yes, but the reality is much more complex. In this episode of the Mouthy Money podcast, Edmund and Chris sit down with Louisa Sedgewick, Managing Director of Mortgages at Paragon Bank. With 30 years of industry experience, Louisa reveals exactly how the property market is evolving in 2026. We break down the death of the "dinner party landlord," why the rules of property investment have completely changed, and where the smart money is moving right now. In this video, we cover: Why buying a rental property in your own name is a thing of the past (and why SPVs are the new normal). The massive North vs. South divide in property investments. How incoming EPC regulations and the Renters' Rights Act will impact you. Why you should ignore "get rich quick" property influencers on TikTok. Whether you're a seasoned investor, an "accidental" landlord, or just looking to understand the UK housing market, this episode is packed with essential insights. Chapters 00:00 Buy To Let Is Evolving 00:33 Sponsor Message Coinbase 01:20 Meet The Hosts 01:23 What Is Buy To Let 02:30 Louisa And Paragon Bank 04:12 End Of Dinner Party Landlord 06:28 Tax And Regulation Shifts 08:51 Professionalising Landlords 11:22 Should You Become A Landlord 14:25 Where New Landlords Buy 17:29 HMOs And Student Lets 20:13 Future Rules EPC And More 22:44 Avoid Get Rich Quick Hype 24:11 Using Brokers And Tax Advice 25:08 Final Thoughts And Goodbye *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.
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. In this episode of the Mouthy Money podcast, Edmund Greaves sits down with Lisa Kelly, a claims expert at protection insurance broker LifeSearch, to examine the mechanical reality of claiming on protection policies during severe health crises. Moving beyond the theory of purchasing insurance, this discussion focuses strictly on the operational end of critical illness and income protection cover. Using real-world data and case studies, we look at how these policies function when policyholders face severe medical emergencies, long-term health issues, or an abrupt loss of income. What we cover in this episode: Children’s Critical Illness Cover: The mechanics of claiming for a dependent, detailing a case involving a Wilms tumor diagnosis and the utilisation of ancillary benefits to access global medical consultants. Maternity/Paternity Income Disruption: How individual critical illness policies function when parents require extended time off work to manage a newborn's open-heart surgery. Long-Term Income Protection: A breakdown of an ongoing claim that began with a cancer diagnosis in 2013 and evolved to cover subsequent chronic conditions, including depression and arthritis. Short-Term Cover & Mental Health: A critical look at an immediate intervention involving a self-employed construction worker facing severe suicidal ideation, and the process of securing medical and financial support. About our guest: Lisa Kelly is a claims expert at LifeSearch. She transitioned into customer care and claims management after navigating the complex claims process firsthand following her husband's bladder cancer diagnosis, providing her with a practical understanding of the system's demands on policyholders. Relevant Links & Resources: LifeSearch: lifesearch.com Mouthy Money: mouthymoney.co.uk Samaritans (24/7 Mental Health Support): samaritans.org or call 116 123 (UK) if you are affected by the mental health themes discussed in this episode. 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.
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.
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 guides https://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 guides https://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.
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.
