Making Money

What to do when you disagree about money

Do you and your partner disagree when it comes to investing? Are you a saver while they’re a spender — or is it the other way around? Does a 50/50 split feel unfair? Sara Jane Maxwell is a financial coach and founder of Wealth Coach, where she helps individuals and couples work through their money-related issues. Share your visualisation in a comment, and find out more about Sara’s work here: https://www.wealth-coach.co.uk 🤝 Want 1:1 help from a financial adviser? ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Is buy-to-let dead?

Is buy-to-let dead in the UK - and should it be? Rob Dix, one of the founders of Property Hub and both a landlord and tenant, breaks down how various factors have reshaped the market. With landlord numbers falling and returns fading, what role should property play in the UK’s — and investors’ — future? ➕ You can grab Rob’s free tools, including the calculator here: https://www.propertyhub.net/money 🤝 Want 1:1 help from a financial adviser? ⁠⁠https://makingmoney.email/financial-advisors-audio⁠⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠⁠https://www.tide.co/offers/makingmoney⁠⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠⁠https://tide.co/savings⁠⁠ for full terms and conditions. – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Are too many people passive investing?

As you know, we’re big fans of passive investing — it’s simple, low-cost, and it works. But with passive funds now making up nearly 60% of US stock funds, what has that done to the market? Could it be causing more volatility? Has it pushed company valuations too high? And what happens if everyone becomes a passive investor? Dimitri Vayanos is Professor of Finance at the London School of Economics and co-author of the award-winning paper Passive Investing and the Rise of Mega Firms. Read Dimitri’s paper here: https://personal.lse.ac.uk/vayanos/Papers/PIRMF_RFSf.pdf 📈Here’s my free investing course: https://makingmoney.email/investing-course-audio 🤝 Get help from a financial adviser to navigate big decisions https://makingmoney.email/financial-advisors-audio 🎉Sponsors Odoo - 45 business apps in one: ⁠https://www.odoo.com/r/MM1 Vanta - Get your company secure and compliant: https://vanta.com/makingmoney Tide - Get up to 4.22% AER (variable) on your business savings. Use this link https://www.tide.co/offers/makingmoney or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit https://tide.co/savings for full terms and conditions. – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Defined Benefit (DB) pensions: What you need to know

Do you have a Defined Benefit (DB) pension but not quite sure how it works? Is there a way to retire early in a DB scheme? Is transferring out ever really worth it? Financial adviser Peter Lawlor, from Expert Pensions Advice, has over 30 years of experience and breaks it all down. You can book a free call with Peter here: https://calendly.com/peter-1138/60min Or you can email him here: peter@expertpensions.com 🧑‍💻DB Pension Decoder - free guide to figure out the value of your pension https://makingmoney.email/DB-decoder-audio 🤝 Want 1:1 help from a financial adviser? ⁠https://makingmoney.email/financial-advisors-audio⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠https://www.odoo.com/r/MM1⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠https://www.tide.co/offers/makingmoney⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠https://tide.co/savings⁠ for full terms and conditions. – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Consider this before getting married

Is getting a prenup just for the ultra-rich? What if it’s just smart planning for everyone? Family lawyer Ursula Danagher says financial conversations early in a relationship could save you big time later. From protecting your pension to avoiding costly legal battles, this is advice every couple should hear. Ursula's details: https://www.spencer-west.com/team/ursula-danagher/ 🤝 Want 1:1 help from a financial adviser? ⁠https://makingmoney.email/financial-advisors-audio⁠ 🎉Sponsors Odoo - 45 business apps in one: ⁠⁠https://www.odoo.com/r/MM1⁠ Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney⁠ Tide - Get up to 4.22% AER (variable) on your business savings. Use this link ⁠https://www.tide.co/offers/makingmoney⁠ or the code 'MAKINGMONEY'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  The more you save, the higher the rate—up to 4.22% AER (variable) on balances over £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate and thresholds apply. Visit ⁠https://tide.co/savings⁠ for full terms and conditions. – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.