Am I Too Late?
Ever feel like you're behind on money, tech or life goals and wondering if it's too late to catch up?
Am I Too Late? is a podcast for late starters who want to build financial confidence and digital know-how without the jargon, shame or overwhelm.
Hosted by Naho, a former project manager, MBA graduate in Digital Business & Innovation and curious late bloomer, this short-form podcast breaks down the basics of financial planning, investing and AI tools—one bite-sized episode at a time.
Whether you're 38, 48 or 58, it's not too late to learn something new, start fresh, or take control of your future.
Podcasting since 2025 • 9 episodes
Am I Too Late?
Latest Episodes
9. ISA vs Pension: Where Should You Invest Your Next £1,000?
ISA vs Pension — where should your money go first?If you had £1,000 available today, would it be better in an ISA, a pension, or sitting in cash savings?For many people starting to invest later in life, this is one o...
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Season 1
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Episode 9
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9:11
8. ISAs - More Than Just A Savings Account
ISAs Explained: Cash ISA vs Stocks & Shares ISA (UK Guide)What is an ISA — and is it really just a high-interest savings account?In this episode, I explain how ISAs work in the UK, the difference between a Cash ISA and ...
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Season 1
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Episode 8
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11:10
7. Pensions (Part 3) Catch-Up & Clean-Up
Pension Catch-Up & Clean-Up: Annual Allowance, Carry Forward, and Why Tax Relief Beats Tax on WithdrawalIf you’ve ever wondered how much you can really put into your pension, what happens when you take the money o...
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Season 1
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Episode 7
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12:09
6. Pensions (Part 2) The Best-Kept Secret
Discover why pensions might just be the best-kept secret in personal finance — how tax relief, compound growth, and a few smart moves can quietly build your future, even if you’ve started late.In this episode, we pull back the curtain on...
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Season 1
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Episode 6
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13:00
5. Pensions (Part 1) The Basics
In this episode, we go back to basics and demystify pensions — what they are, how they work, and why they matter more than most of us realise.If you’ve ever thought pensions were just something for “later”, or felt unsure about how yours...
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Season 1
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Episode 5
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10:50
