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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
118 episodes
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
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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
113- Marshmallows and Your Financial Planning
In this episode Benjamin (somehow) manages to link marshmallows with good financial planning. Delayed gratification is an important concept when it comes to your personal finances. Perhaps an experiment involving marshma...
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Season 1
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Episode 113
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18:06
112- Investing Demystified (With Guest Lars Kroijer, Former Hedge Fund Manager)
In this episode Benjamin is joined by Lars Kroijer, former hedge fund manager to discuss Lars' journey from believing he had an 'edge' when it comes to investing, to recognising our limitations. Together they chat aboutA...
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Season 1
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Episode 112
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55:32
111- Can You Pay Into A Pension After You Retire?
Seems absurd doesn't it? Why on earth would you choose to pay into a pension when you are already retired? Isn't the whole point of a pension to take you to retirement? Benjamin challenges the normal way of thinking in t...
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Season 1
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Episode 111
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19:58
110- Financial Freedom Is Not The Same As Financial Independence
In this episode Benjamin discusses the FIRE movement (Financial Independence Retire Early) and cautions why relying on this may mean you're missing the entire point. Financial freedom is another way to approach your financial planni...
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Season 1
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Episode 110
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18:24
109 - Reflecting on Recent Market Volatility
What can we learn from recent market volatility? Benjamin climbs back onto his financial soapbox in this week's episode and shares his musings on why short-term market wobbles have no relevance to the underlying financial strength o...
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Season 1
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Episode 109
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11:30
108- How Much Should You Pay Yourself As A Business Owner ? (Tax Saving Tips), With Guest Dan Heelan
As a small business owner in the UK you likely wear many hats, and accountancy is one area that few business owners admittedly have an interest in. We're never really taught the fundamentals of good business accounting. ...
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Season 1
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Episode 108
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43:37
107- Rules of Thumb To Help Your Planning
Overwhelmed and don't know where to start? If you have no idea whether you're on track, or completely off track, then this is the episode for you. Benjamin shares the 'rules of thumb' you can adopt to help guide your fin...
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Season 1
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Episode 107
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20:59
106-Are We A Nation of Savers or Investors?
In the UK we have an inherent phobia of investing. Cash is best, cash is king, cash is safe. This 'savings over investing' attitude is costing us our financial independence and control over our financial futures and put simply: more...
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Season 1
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Episode 106
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11:01
105- The Story of Ronald Read, 'The Millionaire Janitor'
You've likely never heard of him, but Ronald Read's story is a testament to the best principles for successful financial planning. In this episode Benjamin shares the story of how Ronald turned a modest income and asset position int...
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Season 1
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Episode 105
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17:18
104- Your Last Gift: Getting Your Affairs In Order, With Guest Matthew Hutton
This is a very special episode of Headsup on Money. We're delighted to welcome The Reverend Matthew Hutton, who shares with us the key takeaways from his best-selling book Your Last Gift: Getting Your Affairs in Order a...
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Season 1
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Episode 104
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45:33
103- The Simplest Thing You Can Do To Achieve Financial Success
'Markets in turmoil''S&P 500 experiences record losses' 'FTSE crashes on market opening'. How can you remain focused on your financial plan in the digital age we are in? With notifications of finan...
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Season 1
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Episode 103
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12:40
102- Plan First, Portfolio Second, Product Third
In this episode Benjamin outlines the '3 Ps' of financial planning and how you should direct your focus to maximise your chance of financial success. It's not as complicated as it may seem.
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Season 1
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Episode 102
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16:10
101- Mansion House Accord & Your Pension, What You Need To Do
The Mansion House Accord has worrying implications for your pension and your retirement planning. Fortunately, you can do something about this and don't have to accept the changes that are now due to come in to effect. I...
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Season 1
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Episode 101
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13:36
100- A Milestone For Headsup on Money
Headsup on Money is 100 today!In this special episode Benjamin reflects on the key learns over the last 100 episodes of the podcast and shares some personal stories to help you get to know him better. Thank you to the money n...
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Season 1
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Episode 100
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15:18
99- Is My Money Safe?
Wondered what would happen to your bank account savings in the event your bank was to default? Heard of the FSCS? Benjamin explains everything you need to know in this week's episode.
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Season 1
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Episode 99
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11:07
98- Top 5 Regrets of The Dying
What lessons can we take into our financial planning from the regrets of the dying? Good financial planning should always just be the means to the end; the financial plumbing underpinning your financial goals. In this ep...
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Season 1
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Episode 98
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17:04
97- The Danger of Arbitrary Numbers
Is your financial plan based on sound evidence and a rigorous plan, or arbitrary numbers and dates that you've convinced yourself are correct? I need to retire at age 62. I need £500,000 in my pension to afford a good re...
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Season 1
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Episode 97
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12:52
96-The Recipe For Success Is The Same
Increased complexity doesn't mean better in personal finances. Whether you have a £100k pension pot or £1m, the underlying investment principles should hold consistent. Benjamin explains why in this episode.
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Season 1
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Episode 96
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11:52
95-Should You Take Your Pension Tax-Free Cash (Lump Sum)?
It's one of the most common queries posed by retirees. Surely getting your hands on 25% of your pension tax free is an absolute no brainer, right? In this episode Benjamin discussed the pros and cons to taking your pension tax free ...
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Season 1
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Episode 95
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22:36
94- Insurance & Trusts, Have You Done This?
Is your life insurance or critical illness plan under Trust? Don't even know what that means, let alone why you would do this?! This is the episode for you. Benjamin explains all and outlines the tax savings and headaches this can a...
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Season 1
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Episode 94
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14:59