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Headsup On Money
Headsup On Money.
Never make another financial mistake.
Join Benjamin Mitchell (The Money Scot) - a chartered financial planner and serial hater of financial jargon, as he helps you to make better financial life decisions, retire on your terms and never make another financial mistake.
In this weekly podcast we answer the money questions you're too scared to ask and arm you with the knowledge and power to help you get on top of your personal finances.
Episodes
139 episodes
138- Why Age 75 Matters
Turning 75 plays a significant role in your financial plan, and more specifically the tax efficiency (or tax inefficiency) of your affairs. Whether this applies to you or someone close to you, following this episode you'll understan...
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Season 1
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Episode 138
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30:17
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137- Making Sense of Financial Adviser Qualifications
When seeking financial advice, it can appear very overwhelming to understand the various qualifications that financial advisers have. How do they compare? What's 'good' and what's 'bad?'In this episode Benjamin tr...
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Season 1
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Episode 137
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16:42
136- Why You Should Avoid Target Retirement Funds
In this episode Benjamin explains why these funds, despite often sounding very sophisticated and bespoke, are in fact a dead-end to financial independence. Knowledge is power, money nerds.
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Season 1
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Episode 136
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19:42
135- Your Tax Year End Checklist
With the end of the 2025/26 tax year now only a few weeks away, now is the time to make use of your freebies and allowances and focus on paying as little tax as possible. Knowledge is power money nerds and by strategically timing in...
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Season 1
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Episode 135
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20:35
134- What Can We Learn From The WASPI Campaign?
It was in the news last month. Women Against State Pension Inequality. Women who argue they were not fairly notified about a rise in the State Pension age will not be paid compensation. But what can we learn ...
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Season 1
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Episode 134
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16:04
133- How To Protect The Greatest Asset In Your Financial Plan (Income Protection Masterclass)
Income protection insurance is often thought of as too expensive and surplus to requirements, but this couldn't be further from the truth. It's not as complicated as it may seem and is absolutely vital for most people's financial pl...
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Season 1
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Episode 133
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26:59
132- When Wealth Stops Being Just About You
Benjamin reflects this week on the subject of when wealth stops being just about you. In early life we focus on saving, investing and insuring primarily for our own benefit. But there comes a time in most people's lives when they ha...
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Season 1
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Episode 132
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18:58
131- Trusts (What Are They And Do You Need One?)
The word 'Trust' brings many things to mind, and often the truth of what a Trust is, and what they can be used for, is lost in translation. In this episode Benjamin explains the role of Trusts in financial planning...
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Season 1
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Episode 131
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22:17
130- How Many Good Summers Do You Have Left?
Benjamin takes a step back from the heavy finances this week and focuses instead on the heavier questions that we all need to ask ourselves from time to time. We're all aware of the finitude of time, but continue to 'plod on' with o...
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Season 1
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Episode 130
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12:15
129- Million Pound Pension Tick-Box Mistakes
We've all been there... You tick a certain option on a pension form because you don't really understand it and surely it can't make that big an impact, can it? ...Fear not, in this episode Benjamin shares the £M pension tick-box mistakes...
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Season 1
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Episode 129
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12:33
128- Why A Cash Flow Model Is Critical For Your Financial Plan
Without a cash flow model you are simply planning blind. How do you know if you have 'enough' if you don't start with the end in mind and work backwards? In this episode Benjamin describes what a cash flow model is, and explains why...
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Season 1
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Episode 128
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20:08
127- Quick Wins To Start 2026
Fear not money nerds, this isn't a generic run through of the dreaded financial new year's resolutions. Nobody ever sticks to those anyway. Financial planning is dull and sticky, and you want low effort, maximum reward steps to impr...
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Season 1
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Episode 127
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23:56
126- A £1.5M Portfolio Is Easier To Achieve Than You Think
In this, the final episode of Headsup on Money for 2025, Benjamin builds on last week's discussion on how much you should target in your 'retirement pot' to achieve a comfortable retirement. Achieving a £1.5M portfolio may seem chal...
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Season 1
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Episode 126
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22:27
125- How Much You Need In Your Portfolio To Retire on £4,000 A Month
Planning for retirement can be hard when you don't know how retirement will take shape. How much do you need to afford a good standard of retirement? The answer is higher than you think it is. Probably much h...
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Season 1
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Episode 125
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21:23
124- What You Avoid Is More Important
With the Never Ending Worry Service (news) all around us when it comes to our money it can be hard to know what to do. However, in this episode Benjamin challenges the normal convention that we should focus our attention on what we ...
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Season 1
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Episode 124
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12:30
123- Budget 2025 Special (What You Need To Know)
As promised, in this special episode Benjamin summarises the main takeaways from the 2025 Autumn Budget. Rachel Reeves delivered her second Budget a little over a day ago, and everything you need to know and do is contained in this ...
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Season 1
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Episode 123
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39:11
122- Earning Over £100,000 A Year (Or Close To It)?, Avoid The 60% Tax Trap
If you're earning over £100,000 a year, or are closing in on that level then this is the episode for you. For every £2 of income above £100,000 you lose £1 of your personal allowance, which means previously tax-free income is now su...
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Season 1
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Episode 123
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25:11
121- Master Your Financial Health (With Guest Rob Macdonald)
In this episode Benjamin is joined by our first international guest, Rob Macdonald to chat about mastering your financial health. Rob brings a wealth of knowledge and experience on the subject of behavioural finance and why investor...
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Season 1
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Episode 121
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34:12
120- Diversify Your Tax Strategy
In this episode Benjamin discusses a new way to think about diversification when it comes to your financial planning. For once, we're not talking about investment diversification, rather tax diversification, and spreading your wealt...
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Season 1
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Episode 120
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22:11
119- Trick or Treat (Scary Financial Planning Mistakes)
Welcome to a Halloween themed episode of Headsup on Money. In this episode Benjamin shares some ghoulish commentary on the most common mistakes we make with our financial planning. By the end of this episode you'll know ...
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Season 1
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Episode 118
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19:40
118- Little Ways To Think About Big Things (Morgan Housel's Wisdom)
In this episode Benjamin shares some financial learns from the mighty Morgan Housel. Thinking about the big things in a little way can help us to digest what initially appears scary and overwhelming. It can also help us ...
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Season 1
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Episode 118
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26:36
117- Can Money Make You Happy? (Unlocking Financial Wellbeing with Guest Ruth Sturkey)
In this episode Benjamin is joined by Ruth Sturkey, former Chair of the Institute for Financial Wellbeing. Together they discuss how to live a rich and rewarding life and where financial wellbeing fits into the bigger picture. ...
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Season 1
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Episode 117
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40:57
116- The Two Tests To Tune Out Market Noise
In this episode Benjamin discusses investment market noise and how you can apply two simple tests to check whether you need to pay attention, or tune it out. Why are so few of us successful investors? This episode helps ...
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Season 1
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Episode 116
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18:03
115- Cliff Edges You Need To Know About
The UK financial planning and tax planning landscape often isn't very fair. Small incremental changes to your income and/or asset position can result in punitive tax charges and loss of wealth. Loss of personal allowance <...
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Season 1
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Episode 115
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25:32
114- Budget 2025 Special, What Should You Do?
With Rachel Reeves' budget on the 26th November fast approaching, the storms of speculation are circling!In this episode Benjamin reviews the current rumour mill and provides a take on what you should do in light of the media speculation...
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Season 1
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Episode 114
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19:07