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Published by Damien Fahy
Join Damien and Andy as they break down personal finance topics including investing, saving, budgeting and more, giving you the tools and knowledge to achieve your financial goals Each week, they cover three topics, cutting through unnecessary financial jargon, providing practical tips and actionable advice to help you make the most of your money. To provide feedback or ideas for future shows, contact: damien@moneytothemasses.com or visit https://moneytothemasses.com
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Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this week's episode of The Money Vault, Damien and Andy revisit episode 395 from December 2022, where they discuss the Diderot effect, a psychological phenomenon that triggers a spiral of unnecessary overspending. They share real-life examples, from home renovations to garden furniture, before outlining the practical steps you can take to identify and combat the spending trap. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to our weekly newsletter 80-20 Investor (Free trial available) Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
On this week's episode, we review the key announcements from the Autumn Budget and break down who the winners and losers are. To see the full details, check out our article ' Autumn Budget 2026 roundup – Key points at a glance ' Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Sign up to the weekly newsletter Autumn Budget 2026 roundup – Key points at a glance £100 Household Energy Payment announced in the Autumn Budget: What you need to know Gas standing charges to be scrapped – Will your energy bills go up or down? Chancellor ditches plans to slash Cash ISA allowance Pension Tax Allowance explained: How the Autumn Budget impacts retirees First-time buyers – How the Autumn Budget impacts you Cheapest fixed price energy tariffs
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this week's episode of The Money Vault, Damien revisits episode 494 from February 2025, where he shares tips to improve your chances of getting a mortgage. He also shares a crucial update on the current mortgage market as of October 2026, including a recent Bank of England rule change that gives lenders more flexibility to offer higher income multiples. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to our weekly newsletter 80-20 Investor (Free trial available) Bank of England scraps mortgage lending caps - What it means for you How much can you borrow for a mortgage? Mortgage broker Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien revisits episode 141 from August 2017 where he discusses the parallels between achieving a healthy work-life balance and developing a better relationship with money. He also provides a modern update, looking at how the landscape has changed with the rapid advancement of artificial intelligence and how it presents both challenges and opportunities for our productivity and spending habits. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to the weekly newsletter 80-20 Investor (Free trial available) Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
On this week’s episode, Damien discusses the steps you can take if you are struggling with rising mortgage costs or are worried about future repayments. With fixed-rate deals increasing, he outlines the support available from lenders under the Mortgage Charter, explains how government schemes like Support for Mortgage Interest (SMI) operate, and highlightswhere to find free, independent debt advice if you get into financial difficulty. Damien also discusses the 'Money Matrix', his adaptation of the Eisenhower Matrix designed to help you organise and prioritise your money tasks. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Sign up to our weekly newsletter Support for Mortgage Interest - What is it and do you qualify? Where to get free debt advice Speak to an expert - Best Mortgage Brokers in the UK
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien revisits episode 364 from April 2022 where he discusses two distinct investment strategies for navigating a falling stock market: averaging down and pound cost averaging. Damien also examines the psychological pitfalls that can trap investors during a downturn, such as consistency bias, and the dangers of compounding losses by chasing falling share prices. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to the weekly newsletter 80-20 Investor (Free trial available) Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
On this week’s episode, Damien shares ten of his favourite money insights, which he has recently shared on Threads & X. Andy and Damien discuss the psychology behind their financial decisions, why spending isn't the same as wealth, and how small changes to the way you think about money can improve your finances. Finally, Damien and Andy reveal the 15 most expensive household electrical appliances to run, based on the latest energy price cap, including some surprising results that could help you cut your electricity bills. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Sign up to the weekly newsletter Take out a FREE TRIAL of 80-20 investor Most expensive appliances to run in 2026
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien and Andy revisit episode 424 from July 2023 where Damien explains how you can make better financial decisions by focusing on the evaluation process rather than just the final outcome. Drawing on the famous "Six Thinking Hats" concept created by Edward de Bono, Damien explains how viewing a complex money problem from six distinct perspectives can help you reach a more balanced, informed conclusion. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to our weekly newsletter 80-20 Investor (Free trial available) Edward de Bono - Six Thinking Hats reference guide Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien and Andy revisit a 2019 episode where Damien explains how to make better financial decisions by focusing on the process rather than the outcome. He explains the psychological concept of 'outcome bias' and how judging a decision solely by its result can lead to loss aversion and poor investment choices. Using clear examples, he shows why a robust, objective process is essential for long-term financial success, even amid short-term market uncertainty. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to our weekly newsletter Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
On this week’s episode, Damien takes Andy through a financial personality test to uncover his 'money script'. He discusses the four main types of money beliefs, how they influence your financial behaviour, and the practical steps you can take to manage them. Finally, he explains how current interest rate expectations make it the perfect time to build a cash savings ladder and how you can use the strategy to boost the interest you earn on your savings without locking all your money away long term. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Sign up to our weekly newsletter How to use a cash savings ladder Best cash savings platforms in the UK
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien revisits Episode 271 from 2020 where he takes a look at the investing lessons you can learn from Billionaire investor Warren Buffett. He also provides an update on Berkshire Hathaway's latest portfolio shifts, including its substantial holdings in Apple and Alphabet. It demonstrates how even the most successful investors must acknowledge mistakes, adapt to market changes, and trust a repeatable process to preserve and grow wealth. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to our weekly newsletter Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Andy and Damien explore the world of sports and trading cards. They discuss the current boom, how it works, the money involved and the tax implications if you trade them. Andy also gives viewers a peek at his own collection. Finally, Damien explains how the market has raised the number of rate hikes it believes the Bank of England will make and the impact this is having on mortgage rates. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Sign up to our weekly newsletter Capital Gains Tax rules on Chattels Trading Allowance explained How to find a Mortgage Broker you can trust Best Mortgage Rates in the UK
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, we revisit Episode 509 from June 2025 where we discussed the changes to how defined contribution pensions are treated for inheritance tax. Now that the Finance Act 2026 has confirmed the rules, I explore practical financial planning strategies to consider ahead of the 2027 implementation date, including why you should consider speaking to an independent financial adviser. Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to our weekly newsletter Find a financial adviser you can trust Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, I reveal the optimum medium-risk investment portfolio according to Efficient Frontier analysis. I break down exactly which assets make the cut (and which don't), plus how this ideal mix has shifted over the last two years. Finally, I explain the theory and execution behind "Project 60"- my personal plan to travel the world at age 60. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Sign up to our weekly newsletter The Efficient Frontier Risk vs. Return Chart 80-20 Investor (Free trial available) MTTM Money Vault Episode: How to Build Good Money Habits Atomic Habits by James Clear Four Thousand Weeks by Oliver Burkeman
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, Damien explores the connection between your financial habits and your physical well-being. He discusses a ten-year study from Bristol University which reveals that saving even a small amount regularly can dramatically improve your sleep, reduce anxiety, and boost overall life satisfaction. Don't forget, you can still sponsor MTTM listener Ben here - Ben Molyneux (Alzheimer's Society) Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to our weekly newsletter Please consider sponsoring MTTM listener Ben who is raising money for the Alzheimer's Society Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien explains why government bond yields are surging globally, why it matters to everyone and how it will impact your finances. Andy then discusses the legalisation of plug-in solar panels, the pros and cons and whether they are worth it. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Sign up to the weekly newsletter Plug-in solar explained
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, we combine two classic episodes to explain the concept of the "Black Book" - a vital document containing all your essential financial information for your partner or next of kin. We then welcome long-time listener Ben Molyneux, who shares his personal experience of creating a Black Book and the unexpected benefits it brought to his relationship. You can sponsor Ben here - Ben Molyneux (Alzheimer's Society) Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to our weekly newsletter Please consider sponsoring Ben who is raising money for the Alzheimer's Society Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien discusses why an increasing number of people are rushing to consolidate their pensions ahead of the April 2027 rule change, which will make unused pension pots liable to inheritance tax. He explains when this could be a bad idea and reveals how long each pension provider takes to transfer a pension, including who takes the longest. Finally, Damien and Andy discuss how the energy price cap hike that's coming in October could be dwarfed by an even bigger hike in January, and what you should do about it. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Sign up to our weekly newsletter Money Vault - Pension Transfer Tips Hot to transfer your pension - everything you need to know PensionBee 2025 pension transfer data Energy Prices - Is now the time to fix? British Gas 'Fix and Fall' tariff review
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives. In this episode of The Money Vault, we revisit episode 505 from May 2025 where I provide some tips for those considering transferring and/or consolidating their pension pots. I summarise the key pros and cons of pension transfers, explain how in-specie transfers work, how to avoid common pension scams and when to seek independent financial advice. Check out our featured article: Best Pension Transfer Offers Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Resources: Sign up to our weekly newsletter Best Pension Transfer Cashback Offers Best Pension in the UK How to find a financial adviser you can trust Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses
In this week's episode, Damien explores whether investors should be fearful when stock markets reach all-time highs. He looks back at historical data and research to reveal what typically happens after markets hit a record high. Next, he discusses the psychological power of making small, seemingly insignificant changes to your finances and how it can dramatically transform your life. [AD] Thank you to our sponsor, Interactive Investor New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 31st August 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Sign up to our weekly newsletter Sign up to a free trial of 80-20 investor Check out the book 'Atomic Habits' by James Clear Check out the book 'Influence: The Psychology of Persuasion' by Dr. Robert Cialdini
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