UK personal finance podcast for late starters
You're here now.
Honest, jargon-free money talk for people who feel they've left it too late — pensions, ISAs, and working out what "enough" actually looks like. No shame, no hype, no get-rich-quick.
Let's start today.
Two free tools. No cost, no catch — just the clearest picture of where you actually stand.
Free worksheet
Five key numbers — income, expenses, pensions, savings, debts — in one place. The foundation for every decision that comes after.
Free tool
Turn big annual and irregular bills into simple monthly costs, and see where your money really goes — not just rent and groceries.
Where you actually stand, and how to read what your numbers are telling you — net worth, spending audits, lifestyle creep.
How they grow, why tax relief matters, the annual allowance and carry-forward, and how to find and tidy up old workplace pensions.
Cash versus Stocks & Shares, how ISAs differ from pensions, and how to decide where your next £1,000 belongs.
What "enough" means for you — using the UK retirement living standards as a guide rather than a rulebook.
Go deeper
Three tools that take you from "I have no idea where I stand" to a plan you can actually follow — including a retirement simulator that shows you the honest range, not one comfortable number.