The Making Money Simple Podcast

📈 Sign up for a Lightyear business account - Use code 'MMSBIZ' or this link to to claim up to £300 in a fractional share, ETF or MMF in your business account.
To enter the code, you have to be a new business user who signed up within the last 15 days and haven’t used more than 1 code before. To claim up to £300 in free money market funds or shares, complete your business verification, have an active LEI number, and deposit at least £1,000 into your business account within 45 days after entering the code. You can also use code ‘MMSBIZ’ in the app to claim this offer.
See full T&CS through my link above. Capital at risk. Promotional terms apply. Only invest excess capital. This is an affiliate link and I may earn a commission.
📈 If you don't have a business, you can still sign up for a Lightyear personal account:
Use code 'MMS' or this link to claim £10-£100 in a fractional share or ETF of choice in a General Investment Account.
See full T&CS through my link. Capital at risk. This is an affiliate link and I may earn a commission. ISA rules and promotional terms apply.
Small UK businesses as a whole have £100 billion+ sitting in bank accounts earning peanuts.
Unfortunately, I was one of those people...
I've had cash sitting in business current accounts not doing very much, so I finally did something about it!
In this one, we go through:
The two main reasons why I've opened a business account
The platform I've chosen and why
The fees involved
What I've actually put the business money in
Exactly how I'm saving money and investing money
The key considerations to think through before doing this
I hope it helps and if you have any questions, let me know!
And as mentioned in this podcast, here is my YouTube video with my full Lightyear platform review!
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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠download here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.
📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠

Markets have had a bit of a wobble recently, and a lot of people are asking if a crash is coming.
Honestly, no one knows (unfortunately!).
But falls are a normal part of investing, so in this one we go through:
How often dips, corrections and crashes actually happen
How long they've lasted
Why timing the market rarely works
And how I'm preparing for the next one.
Thanks for listening and I hope it helps!
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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠download here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.
📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠
⏰ Timestamps:
0:00 Intro
0:38 Why people are worried right now
1:42 How often do crashes happen?
2:34 How long do crashes last?
3:20 Can you time the market?
4:32 How to prepare for a crash
8:51 What I'm doing

What did you make of the UK budget?
These were my initial thoughts, as well as how the budget will directly impact our own ISAs, pensions, and investments.
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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.
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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠
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0:00 My honest take
1:51 What's changed
2:24 Bank stocks jumped
3:19 Investing: what stayed the same
4:30 U-turn on cash in a Stocks & Shares ISA
5:37 New Starter ISA
6:41 Cash ISA U-turns
8:08 Savings & property tax
9:35 Innovative Finance ISA
9:56 Lifetime ISA change
12:30 New First Time Buyer ISA
15:10 Founders' Relief and trading allowance
16:32 Pensions changes
17:31 Wrap up

Gaby from @gabriellaxgoddard joined me on this podcast episode to discuss how she built a £100k investment portfolio by 22 years old.
It wasn't an inheritance. Or a high salary. Or a stock that went up 10x.
Instead, there were 5 things Gaby did consistently over half a decade, and she shares each one all in this episode.
From not going to university, to side hustling, to workplace pensions and ISAs, and more.
Listen to the episode for the full details!
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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.
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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠

⁠⁠⁠⁠Sign up to Trading 212⁠⁠⁠⁠⁠
Get free fractional shares worth up to £100 using the link above or use promo code 'MMS' in the app. Terms apply. Sponsored code. Capital at risk.
Global Index Fund & ETF cheat sheet: download here
Quick note, this podcast episode was recorded before VALL was launched. The cheat sheet linked above has been updated to include the VALL ETF!
In this podcast episode, we answer a question from Anand, comparing the various FTSE All-World funds available to us as UK investors.
Thanks for the question Anand!
If you have a question, feel free to email me: ryan@makingmoneysimple.com
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📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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⚠️ Disclaimers: I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results.
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📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠click here⁠⁠⁠