Episodes

Episode 9 · March 2026

ISA vs Pension: Where Should You Invest Your Next £1,000?

If you had £1,000 spare today, should it go into an ISA, a pension, or stay in cash? A simple way to structure money across three layers — cash safety, pension advantages, ISA flexibility — and a better question than "what should I invest in?"

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Episode 8 · February 2026

ISAs — More Than Just A Savings Account

What an ISA actually is, the difference between a Cash ISA and a Stocks & Shares ISA, and why they offer flexibility pensions don't. No allowances or tax rules — just clarity.

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Episode 7 artwork: Pensions (Part 3) — Catch-Up and Clean-Up

Episode 7 · November 2025

Pensions (Part 3) — Catch-Up & Clean-Up

The annual allowance, the carry-forward rule, and how to find and tidy up old pensions from past jobs — plus why the tax relief you get now often outweighs the tax you'll pay later.

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Episode 6 · October 2025

Pensions (Part 2) — The Best-Kept Secret

Why a pension is a growth engine and a tax advantage hiding in plain sight, not just a pot for later — and how tax relief and compound growth quietly do the heavy lifting.

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Episode 5 · October 2025

Pensions (Part 1) — The Basics

What a pension really is, how your money is actually invested, and the three main types. The groundwork for everything that follows.

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Episode 4 · August 2025

How Much Is Enough?

The episode where I nearly fell off my chair looking at the UK's guideline retirement figures. What "enough" means when it's shaped by your lifestyle and values rather than a number someone else picked.

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Episode 3 · August 2025

Knowing Your Numbers (Part 2) — Make It Make Sense

Net worth, spending audits, spotting lifestyle creep, paying yourself first, and how the 50/30/20 rule adapts to 60/25/15 when you're catching up.

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Episode 2 · July 2025

Knowing Your Numbers (Part 1) — Where Do You Really Stand?

The five numbers everyone should know: income, expenses, pensions, savings and assets, debts and liabilities. Not about shame — about clarity.

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Episode 1 · July 2025

So… Am I Too Late?

The first episode. Why this podcast exists, a bit of my own journey from Japan to the UK to France, and the panic moment that started all of it. Whether you're 38, 48 or 58 — you're here now.

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ISA vs Pension: Where Should You Invest Your Next £1,000?

ISAs — More Than Just A Savings Account

Pensions (Part 3) — Catch-Up & Clean-Up

Pensions (Part 2) — The Best-Kept Secret

Pensions (Part 1) — The Basics

How Much Is Enough?

Knowing Your Numbers (Part 2) — Make It Make Sense

Knowing Your Numbers (Part 1) — Where Do You Really Stand?

So… Am I Too Late?

Start with your own numbers