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: [email protected] or visit https://moneytothemasses.com
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Andyleeks Podcasts
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Ep 512 - Showing you Damoney - introducing our new AI Guidance tool
27:27
27:27
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27:27
In this week's episode Damien unveils his purpose-built AI guidance engine "DaMoney". Powered by 15 years of Money to the Masses guidance, DaMoney uses the vast library of unbiased knowledge built by Money to the Masses since 2010 including thousands of fact checked articles and hundreds of podcast and YouTube videos. The tool is the first of its k…
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Ep 511 - Buy or Rent (Which is best?), Make money from Credit Cards & Holiday Scam Warning
40:30
40:30
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40:30
In this week's podcast, Damien reveals whether Renting or Buying a property is best using his own purpose-built calculator. Next, he discusses two ways you can make money from your credit card. Finally, Andy reveals the details of a widespread holiday scam, explaining how to avoid becoming a victim. Check out this week's podcast article…
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Ep 510 - Why your first £100k is the most important, Truth about Premium Bonds & Council Tax Changes
33:13
33:13
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33:13
This week Damien explains why saving your first £100,000 is the crucial milestone if you want to be wealthy. He then looks at Premium Bonds, revealing the possible returns you can expect if you have the maximum £50,000 holding. He also explains how to improve your chances of winning a £1 million prize. Finally, Andy discusses the proposed changes t…
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Ep 509 - Pension IHT changes, How much do you need to retire & Credit file hack
28:59
28:59
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28:59
In this week's show Damien explores the proposed changes to Inheritance Tax (IHT) on defined contribution pensions, set to begin in April 2027. He also discusses strategies that could be used to mitigate the potential impact. Next, he takes a look at how much money you'll need in retirement in order to achieve a minimum, moderate and comfortable li…
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Ep 508 - UK Wealth Uncovered (Where do you rank?) & Winter Fuel Payment Update
30:42
30:42
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30:42
In this week's podcast, Damien examines the latest wealth data, which reveals the average wealth of UK households by age and region, looking at everything from property and pensions to savings and investments. Damien also covers the significant update to the Winter Fuel Payment for the upcoming winter, explaining the new rules, who will be eligible…
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Ep 507 - UK Property Special: Latest on Mortgage rates, Products, Affordability tests & House prices
31:48
31:48
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31:48
In this week's podcast, Damien provides a comprehensive update on the UK property and mortgage market. He reveals the latest Bank of England interest rate predictions, provides a snapshot of the best mortgage deals currently available and how you can lock in a mortgage rate in advance of your existing one ending. He also discusses the re-emergence …
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Ep 506 - Ethical & sustainable investing explained, Cash ISA hack & Energy payouts
32:06
32:06
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32:06
In this week's episode, Damien takes a look at ethical and sustainable investing, explaining the FCA's new fund labelling rules (SDR) and shares some of the best free tools that can help you find investments that match your values. Next, Andy explains how some energy customers who had prepayment meters wrongly installed could receive up to £1,000 c…
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Ep 505 - Pension transfer tips, 10 common credit myths & SIM swap fraud
31:00
31:00
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31:00
In this week's episode, Damien takes an in-depth look at pension transfers. He provides a list of pros and cons, shares the latest research on how long pension transfers take with different providers and finishes up with a guide on how the pension transfer process works. Next, he debunks 10 common credit myths, addressing misconceptions about credi…
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Ep 504 - Holiday Scams, Tax Code Checks & Direct Debit Warning
31:20
31:20
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31:20
On this week's show, Andy highlights seven of the most prevalent holiday scams to watch out for as summer approaches. Next, Damien takes a look at UK tax codes, explaining how they work, what the letters and numbers mean (eg. 1257L), why they can often be incorrect and the steps you can take if you think your code is wrong. Finally, Damien shares a…
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Ep 503 - Cut prescription costs, my 10 year portfolio insights & get an energy refund
32:18
32:18
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32:18
On this week's show Damien explains how to cut the cost of prescriptions, particularly for those requiring multiple items or those receiving HRT. Damien then shares some key lessons from successfully managing his £50k investment portfolio over the last 10 years. Finally, Andy explains how the energy payment cycle works and why late spring/early sum…
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