Making Money

How much can you actually spend in retirement without running out of money? The 4% rule is one of the most popular ways to think about that problem. Abraham Okusanya has spent over a decade researching this very question. He's written a book called Beyond the 4% Rule and founded Timeline, software used by financial planners to help tens of thousands of people plan their retirement.

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Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch

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If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

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Listen to our episode with Ben felix here: https://pod.link/1674547187/episode/ZDgxZTUzOTQtZWVlNS0xMWYwLWI0YjYtNmYxM2E2OGYxMzFi

It's been a few days since the Budget, so there’s been time to get past the headlines and work out what it actually means for you. Timeyin couldn't join me today, so it’s just me and Helen Miller, who's the Director of the Institute for Fiscal Studies (IFS). They're widely seen as the independent referee when it comes to government tax and spending.

🎉 Sponsors:

Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch

Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Listen to the IFS's podcast: https://ifs.org.uk/podcasts-explainers-and-calculators/podcasts

We're talking to the Director of the Institute for Fiscal Studies, Helen Miller, this morning so stay tuned for that conversation later today!

Two of the biggest economic shocks we've seen in recent years have come from wars: Russia's invasion of Ukraine and the conflict in the Middle East. But what does that actually mean for you? How can conflicts happening thousands of miles away affect the cost of your mortgage, the value of your investments, or even how much you pay in tax? Duncan Weldon is an economist and historian who's spent years studying the relationship between war and the economy.

🎉 Sponsors:

Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch

Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

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Duncan’s book: https://amzn.eu/d/02gABSTn

Our episode with Ofgem the UK’s energy regulator: https://pod.link/1674547187/episode/NThhMWUzY2UtNGFjZi0xMWYxLWE2YTEtYWZkNTgwMzJmYTZj?view=apps&sort=popularity

As more of us invest in index funds, is that a good thing? Tim Edwards from S&P Dow Jones Indices, the company behind the S&P 500, joins us to explore whether trying to beat the market pays off, and reveals fascinating data on the cost of waiting for the next stock market crash.

🎉 Sponsors:

Uswitch - See if you can save by switching to solar: ⁠https://makingmoney.email/uswitch

Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Here are some of the reports we discuss with Tim:

Spiva report: https://www.spglobal.com/spdji/en/research-insights/spiva/

‘Waiting For a Bear’ paper: https://www.indexologyblog.com/2025/03/19/waiting-for-a-bear/

Listen to our episode with Elroy Dimson here: https://pod.link/1674547187/episode/YTk5ZGNjYzQtOGZlNi0xMWYwLTkzZTktOWZiY2NmYTE0OGQ4?view=apps&sort=popularity