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 517 - Savings rate traps & Why you might need to ditch the 4% retirement rule
22:15
22:15
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22:15
On this week's podcast Damien explains how the rise of short-term 'bonus' rates are creating a price war amongst providers. He reveals how these types of rates can leave you worse off as a saver before explaining how you can calculate the effective annual rate to see what you’re really earning. Next, Damien looks at whether the classic 4% retiremen…
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Ep 516 - A simple strategy to help your child become a MILLIONAIRE
20:57
20:57
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20:57
We’ve talked before about the incredible power of long-term investing and compounding, particularly when growing wealth for children. I personally use the millionaire strategy, which aims to make my children millionaires when they are older. The strategy is built upon several key principles discussed in our How to Become a Millionaire podcast episo…
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Ep 515 - Important car finance mis-selling update & base rate surprise
32:25
32:25
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32:25
On this week's podcast Damien explains the latest development in the car finance mis-selling scandal and what action you need to take. He also discusses the latest Bank of England base rate cut. While it was widely anticipated, he explains why the market was caught off guard by what was contained in the accompanying meeting minutes. Check out this …
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Ep 514 - Complete Buy-to-Let Guide, Little-known State Benefits & Latest 'DaMoney' Questions Answered
30:35
30:35
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30:35
In this week's podcast Damien provides a complete buy-to-let guide, including the latest tax rules and recent legislative changes. Next, Andy reveals some of the little-known state benefits you might be entitled to. Finally, Damien answers some of the most popular questions you've been asking DaMoney, the new AI guidance tool from Money to the Mass…
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Ep 513 - State Pension Warning, 30% Water Bill Rise & DaMoney Data Revealed
33:38
33:38
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33:38
In this week's episode, Damien discusses the sustainability of the UK state pension, explaining why younger generations are likely to experience significant increases in state pension age. Damien and Andy then discuss the likely 30% increase in water bills over the next five years due to necessary infrastructure upgrades and what you can do to comb…
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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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