How do you strike the right balance between the competing financial needs of today and tomorrow? My guest on the podcast today is Lynn Beattie (also known as Mrs MummyPenny), author of The Money Guide to Transform Your Life. We get pretty personal in this conversation, chatting about Lynn’s emotional spending and spiral into debt after she started her business, as well as how to best approach weathering the coming economic storm. Lynn’s new book gives you the tools you need to manage your money now (today), and in the future (tomorrow). As a gifted mathematician, accountant and personal finance expert, Lynn talks about some of the struggles she has faced with money, and the steps she took to overcome these struggles, transforming her life in the process. Here’s my conversation with Lynn Beattie, Mrs MummyPenny, in episode 510 of Informed Choice Radio.

Informed Choice Radio Personal Finance Podcast

Balancing today and tomorrow, with Lynn Beattie (Mrs MummyPenny)

We all know just how challenging it can be for a first-time buyer to get on the property ladder today. But what if a solution that’s used in countries across the world could help buyers here? My guest on the podcast today is Matthew Addison, CEO and co-founder of StepLadder. Communities around the world have used this approach for decades to reach their savings goals faster. Some communities call it partner, others call it Chit Fund. But, in essence, it’s a way to support each other towards your savings goals and hopefully get there faster. Before we get into this conversation, I need to give the usual disclaimers. Our discussion today is not a recommendation to use a specific product, simply something I wanted to explore in this podcast after hearing about it on the radio a few weeks ago. StepLadder members are not covered by the UK’s Financial Services Compensation Scheme (FSCS), therefore your capital is at risk. Here’s my conversation with Matthew Addison from StepLadder, in episode 509 of Informed Choice Radio.

Helping you buy your first home, with Matthew Addison from StepLadder

How can you become a better steward of your money? My guest on the podcast today is Jonathan Krueger, CEO of Lionsgate Advisors, and host of the Living a Richer Life by Design podcast. In each episode of Living a Richer Life by Design, Jonathan and his guests discuss a variety of subjects including fulfilling relationships, vibrant health, community engagement, social impact and stewardship of your finances. In this conversation, we talk about the ‘slight edge’ that disciplined people enjoy when it comes to their money and their life. We also get into a conversation about why we are witnessing the perfect recipe to bankrupt the global economy – and what investors should do about it. Here’s my conversation with Jonathan Krueger, in episode 508 of Informed Choice Radio.

Living a richer life by design, with Jonathan Krueger

Everything in the world is made up of energy. Our thoughts, feelings and emotions are made up of energy. The things that people do or say also have energy. But what happens when our experiences in life leave energy behind, in some cases deep into our subconscious where they cause energy blocks? My guest on the podcast today is Gull Khan, international speaker, podcaster, a Barrister, an Attorney with New York Bar Association, and a Solicitor. Gull is a money mindset expert and, in today’s conversation, we discuss how energy clearing and removing unseen money blocks can help us reach our full potential. Here’s my conversation with Gull Khan, money mindset expert, in episode 507 of Informed Choice Radio.

Find your clear path to abundance and prosperity, with Gull Khan

Do work and money have you tied up in knots? Job stuff, money stuff, and personal stuff — not only is it all linked, but it can feel impossible to disentangle. My guest on the podcast today is Roger Ma, an award-winning Financial Planner and a publisher strategist at Google. In his new book, Work Your Money, Not Your Life, Roger cuts through the confusion by serving as your all-in-one guide to career and financial satisfaction. He offers secrets on how you can enjoy your career, gain financial comfort, and achieve peace of mind. Something Roger said during our conversation really stood out for me; It’s easy to get distracted by shiny objects when you don’t know what you want for yourself.” Here’s my conversation with Roger Ma, author of Work Your Money, Not Your Life, in episode 506 of Informed Choice Radio.

How to Balance Your Career and Personal Finances to Get What You Want, with Roger Ma

In this episode of the podcast, we continue exploring FIRE (Financial Independence, Retire Early) principles. My guests are Financial Father and his son, Jay. Financial Father is a relatively latecomer to the FIRE movement, but has embraced it wholeheartedly and now shares FIRE conversations with his son in their podcast episodes. You will notice in this episode that I refer to Jay and Jay’s Dad, not naming Financial Father, at his request. When you’re on the FIRE journey, confidentiality can be important, especially if you’re still employed. I hope that explains why we’ve kept Jay’s Dad’s name out of this episode. We cover a lot of ground in this conversation, including the importance of financial building blocks, how time and patience are your allies, and why we typically waste as much as 15% of our lifetime income on scams. Here’s my conversation with Financial Father and Son, in episode 505 of Informed Choice Radio.

Lessons on the FIRE life, with The Financial Father & Son

In the world of personal finance, the biggest challenge is the sense that there’s never going to be enough. It is this mindset of scarcity, and not the amount spent on lattes, that holds people back the most from achieving their financial dreams. My guest on the podcast today is Leisa Peterson, and she is on a mission to help 1,000,000 people elevate their financial consciousness. As a money coach, business consultant and spiritual teacher, Leisa hosts the Mindful Millionaire podcast as well as virtual workshops and deep-dive retreats. Her masterful blend of sound financial strategy and mindfulness training helps people break free of patterns of lack, scarcity and money fears, allowing them to finally lead the rewarding, fulfilling, and abundant lives they most desire. In her book The Mindful Millionaire, Leisa uses techniques she’s developed as a financial planner and spiritual coach to guide you to dig deeper and discover the root of your financial thinking to change not just the way you save and spend, but the way you live your life. Here’s my conversation with Leisa Peterson in episode 504 of Informed Choice Radio.

Mindful Millionaire, with Leisa Peterson

Life insurance and other types of financial protection form the cornerstone of sound Financial Planning, but do we focus enough on these valuable products? My guest on the podcast today is Tom Baigrie, Founder and CEO of LifeSearch. Raised in apartheid South Africa, Tom emigrated to the UK in 1981 aged 20 and got a start as a self-employed insurance salesman. He sold savings, investments, pensions and tax, but life insurance was the product he most believed in. LifeSearch proper began in 1998 when Tom and business partner Arthur Davies decided to build a financial services company that would avoid the tricks and the shortcuts, the hustle and the squeeze. They would do right by the customer. In this conversation, Tom runs us through the three most important forms of individual insurance, and some of the things to think about when taking out cover. We also chat about financial protection for business owners in these difficult times. Here’s my conversation with Tom Baigrie, Founder of LifeSearch, in episode 503 of Informed Choice Radio.

Here’s what you need to know about financial protection, with Tom Baigrie

Living your best life someday starts with saving smarter for retirement. My guests on the podcast today are Allison Tom and Dylin Redling, authors of Start Your F.I.R.E.: A Modern Guide to Early Retirement. Allison and Dylin are a married couple who achieved financial independence back in 2015, in their early 40s, following a couple of important wake-up moments, which we talk about in this interview. They launched the website RetireBy45.com to provide inspiration, tips, and resources for retiring early. Allison and Dylin have been featured in Forbes, CNBC, Investor’s Business Daily, Business Insider, and Yahoo Finance. They live in Oakland, California. Their book features customisable principles and in-depth insights, describing a concise path to financial freedom through smart spending, low-risk investing, creating multiple incomes, and maximizing savings. Here’s my conversation with Allison Tom and Dylin Redling, authors of Start Your F.I.R.E, in episode 502 of Informed Choice Radio.

Start your FIRE, with Allison Tom & Dylin Redling

If you’re thinking about or are in the process of splitting up with your partner, this podcast episode is for you. Laura Naser is a Senior Associate Solicitor in the family law department at Penningtons Manches Cooper. She’s the recipient of the Lexis Nexis Family Law Awards Commentator of the Year 2019, and has won Family Lawyer of the Year – Senior/Managing Associate 2019 (Gold), and Innovative Individual of the Year 2019 (Silver) at the Citywealth Future Leaders Awards. Laura is author of The Family Lawyer’s Guide to Separation and Divorce: How to Get What You Both Want. When a relationship breaks down it’s hugely stressful and emotional – and often very confusing. Who gets to keep what? Will I ever see my kids? What needs to happen and when? What if things get nasty? In this conversation, I chat with Laura about the practicalities of divorce during the Covid-19 pandemic, how separated couples can work amicably together, and how a new law will remove the blame game from the divorce process. Here’s my conversation with Laura Naser, author of The Family Lawyer’s Guide to Separation and Divorce, in episode 501 of Informed Choice Radio.

The Family Lawyer’s Guide to Separation and Divorce, with Laura Naser

The German poet Theodor Fontane once wrote: A good aphorism contains the wisdom of an entire book in one sentence. In his new book, The Art of a Successful Life, Dr Rainer Zitelmann goes a step further, collating a myriad of quotes all of which offer insights to inspire you to think about yourself, your life and your goals, and to give you the confidence and strength to cope with difficult situations. Rainer has curated quotes from a range of thinkers; from the physicist Stephen Hawking to the artist Michelangelo, and from entrepreneurs such as Henry Ford, Steve Jobs and Warren Buffett to Confucius and Schopenhauer. In bringing them together, he provides an original and practical guide to everyday life. In this conversation, I chat with Rainer about looking for opportunities in times of crisis, why failure isn’t all it’s cracked up to be, and how we can apply the wisdom from others in our daily lives. Here’s my conversation with Dr Rainer Zitelmann, author of The Art of a Successful Life, in episode 500 of Informed Choice Radio.

The Art of a Successful Life, with Dr Rainer Zitelmann

My guest on the podcast today is Michael Houghton, host of The Irish FIRE Podcast. Michael originally hails from New Zealand, but has lived in Ireland for the past decade. He graduated from the University of Auckland in 2005 with a Bachelor of Commerce majoring in Management and Entrepreneurship. In the time since, he’s established businesses in a variety of industries including e-commerce, IT services, financial trading and forestry. I’m a huge fan of having conversations about FIRE, and I’m increasingly learning that no two FIRE practitioners follow the same path. In our conversation today, we touch on a couple of really important points. Firstly, the importance of not exchanging your time for money. Michael describes Financial Independence (FI) as a time/freedom journey. Secondly, we talk about legacy, making the best possible use of that time and freedom. Michael is active within his local community, establishing new junior hockey clubs, as well as establishing new native forests in Ireland. Unlike many FIRE practitioners, Michael believes in taking a more hands-on approach to investing.   Here’s my conversation with Michael Houghton, host of The Irish FIRE Podcast, in episode 499 of Informed Choice Radio.

Irish FIRE, with Michael Houghton

When you think about new investment trends, what pops into your head? Bitcoin? Renewable energy? Cannabis? Today on the podcast we’re talking about investing in medical marijuana, with my guest Stuart Forbes. Stuart is a co-founder of Rize ETF and their product lead. Rize ETF develop Exchange Traded Funds offering access to investment megatrends. They are creating a new way of investing; one that enables investors of all stripes to invest in the future whilst remaining on the right side of history. Stuart is a qualified solicitor and was previously Head of ETF Product Development at Legal & General Investment Management, and prior to that, at ETF Securities, where he was responsible for ETF development and structuring, platform management and legal. Here’s my conversation with Stuart Forbes, co-founder of Rize ETF, in episode 498 of Informed Choice Radio.

Cannabis investments – what you need to know (with Stuart Forbes from Rize ETF)

We know that the global pandemic has disrupted life as we know it. None of us could have imagined the scale and nature of the changes to our daily lives experienced in the past few months. As lockdown restrictions begin to ease, many of the lasting changes from the virus will remain. We all need to consider what will happen next. My guest on the podcast today is Beth Kempton, author of We Are in This Together; a fantastic new book designed to help you prioritise different things and feel less vulnerable to sudden change in the future. Beth is an award-winning entrepreneur and self-help author. Her books have been translated into 24 languages, She describes herself as a wanderer, an adventurer and a seeker of beauty, with an incurable addiction to chocolate and Japanese stationery. As Founder of Do What You Love (dowhatyouloveforlife.com) Beth has produced and delivered online courses and workshops that have helped thousands of people all over the world to discover their passion, explore their creativity and live a more inspired life. This conversation is for you if you’re feeling anxious about the uncertainty and long-term implications of the pandemic. Here’s my conversation with Beth Kempton, author of We Are in This Together, in episode 497 of Informed Choice Radio.

Finding hope and opportunity in the depths of adversity, with Beth Kempton

We all lead increasingly hectic lives, in many cases shaken up beyond recognition today during the Covid-19 pandemic. My guest on the podcast today is Gail Golden, author of a leadership development guide called Curating Your Life. Gail describes a new approach to finding work-life balance. In the same way a museum curator creates a beautiful and meaningful exhibit by sorting, selecting and arranging artifacts from the museum’s collection, curating your life is about sorting, selecting and arranging your commitments. The end result should be a the alignment of productivity with personal fulfillment and joy. Gail has helped hundreds of business leaders achieve high levels of success by teaching them to curate their choices about where to spend both their time and, more importantly, their energy. She’s the Principal of Gail Golden Consulting, LLC, a management psychology firm specializing in executive coaching and organizational consultation on leadership development. Gail earned her Ph.D. in clinical psychology from Indiana University. For the first half of her career, she led a psychotherapy practice, taught in the psychology department and the medical school at Western University, and wrote an advice column in The London Free Press. In mid-career she was ready for a new professional challenge, so she went back to school to earn her MBA from Western University. She combined her clinical experience with her business expertise to become a management psychologist in Chicago. Here’s my conversation with Gail Golden, author of Curating Your Life, in episode 496 of Informed Choice Radio.

Ending the Struggle for Work-Life Balance, with Gail Golden

Welcome to Informed Choice Radio, the personal finance podcast all about achieving your financial goals in life. New episodes are published every Monday and Friday, featuring expert interviews and practical tips for making the most of your money. Your host for Informed Choice Radio is Martin Bamford; a Chartered Financial Planner, Fellow of the Personal Finance Society and personal finance author. This podcast will appeal to listeners of Meaningful Money, MoneyBox Live, Wake Up To Money, Listen to Lucy, Which? Money and The Property Podcast. Contact Martin at martin@icfp.co.uk with any comments or questions. You can find show notes and archived episodes at https://icradio.co.uk/episodes/.

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Informed Choice Radio Personal Finance Podcast

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