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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
127 episodes
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
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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
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