Jasper (@jasperinvests) joined me on this episode to talk about FX rates and how they impact us as UK investors. A very important topic that most aren't aware of. First, we discussed the S&P 500 returns for US investors compared to UK investors. Surprisingly, and we dug into the historical data, the returns can vary massively in any individual year. There can be huge swings and differences in returns that US and UK investors receive in any given year, all because of FX. However, over the long term, FX rates generally tend to be stable between the major currencies. Although, and as expected, in the short term this isn't always the case. We spoke through two ways to mitigate this FX risk and whether it's worth to mitigate this risk at all. Finally, we touched on global index funds and the impact of FX. Listen to the full episode for all the details! Timestamps 0:00 - Intro 1:02 - S&P Return UK vs US Investors 5:25 - Two Ways To Mitigate Risk 9:42 - Historical Returns UK vs US Investors 14:02 - Long Term Impact 16:17 - Do We Hedge FX Risk? 19:58 - Benefits of Index Funds 21:00 - Summary 25:09 - Outro ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📊 Income, Expenses, Saving & Investing Tracker - ⁠https://payhip.com/b/SIaGz ⁠ 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Emma from Bee Money Savvy (@beemoneysavvy) - a previous winner of Best Money Saving Blog - joined me on this episode to talk about two things. 1) Her blogging journey, where she now makes more money than her day job and 2) three key money saving tips that you should implement. First, we talk about Emma’s blogging journey and how she turned her side hustle into a money maker, all whilst continuing to work her day job for the NHS. I asked Emma a range of questions from how and when did she get started, why she decided to talk about money saving and how the blog grew over time. We also delved into the days when Emma made her first £10 and how she then was able to continue to monetise over the years. Second, Emma shares three very important money saving tips that we can implement. 1) Big Financial Audit, 2) Make saving money simple, 3) Utilise money saving tools. With each tip Emma shares specific guidance and examples of exactly what we need to do to manage and save our better money. As part of utilising money saving tools, very helpfully, Emma shares the specific cashbacks apps and websites, discount code websites and price comparison websites that she personally uses. Listen to the full episode for all the details! Timestamps 0:00 - Intro 1:03 - Blogging Journey 6:45 - Blogging Beginnings 9:06 - Viral Blog Posts 11:20 - Blogging Time Investment 13:50 - Blogging Monetisation 19:36 - 3 Money Saving Tips 20:35 - 1. Big Financial Audit 23:32 - 2. Make saving money simple 26:36 - 3. Utilise money saving tools 30:49 - Outro ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📊 Income, Expenses, Saving & Investing Tracker - https://payhip.com/b/SIaGz 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Tej from @tejtalks joins me on this podcast episode to discuss all things branding (check out the timestamps further below in the description to see what we cover). Branding is everything. From the perspective of a personal brand or a business brand. We discussed the importance of branding and where to start, before moving on to how to actually build a brand and stand out. Towards the end of the podcast we spoke through monetisation. Different ways to monetise, with some more lucrative than others, before moving into Tej’s monetisation journey of his own business brand over the years. Listen to the full episode for more information! Timestamps: 0:00 - Intro 0:53 - Importance of branding 3:07 - When to start branding? 6:50 - Where to start? 9:41 - How to build a brand? 14:35 - How to stand out? 19:06 - Monetisation 25:25 - Tej’s journey to monetisation 28:50 - Final thoughts 30:45 - Outro ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Laura Ann Moore from @laura_ann_more joins me on this special audience answered podcast episode. I asked my audience on social media 'what is your biggest financial mistake' and got a number of responses - some funny, some serious, some sad, some relatable. Laura and I go through a number of these responses (all timestamped below if you want to jump around) where we discuss them and provide guidance where we can, drawing on our own experiences and knowledge. Listen to the full episode for more information! Timestamps: 01:01 - Spending £200 on Starbucks 3:08 - Taking out a car loan to help build credit score 7:04 - Not starting to invest early 9:56 - Buying the wrong stock ticker symbol 13:38 - Investing based on on the crowd 14:41 - Buying designer clothes  17:38 - Getting a 100% mortgage 22:04 - Poor market timing before a market crash 23:56 - Buying a house 27:27 - Buying a hedgehog 29:15 - Having children 31:10 - Staying at the same job for too long 34:18 - FX trading 36:49 - Ex took out debt in my name 40:21 - Going to uni ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

100% mortgages are back. In this episode, I give you all of the information that you need to know. 100% mortgages were already available, but you needed a guarantor/financial backing from friends or family. The 100% mortgage referred to in this episode is a new product from Skipton Building Society, with no guarantor/financial backing needed. In this episode I go through everything that you need to know about these 100% mortgages - what the conditions are, how the finances work, pros, cons, who's it actually good for/useful for, and more. Listen to the full episode for more information! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Tom from @TomTalksMoney_ joined me on this episode of the podcast to discuss all things matched betting. Unbelievably, Tom started matched betting and then took it full time for 4 years, the perfect guest for this episode. First, we discuss what is matched betting and how we can actually get started, including the best platforms to use. You can get started from as little as £50, but ideally if you can start with around £200 that would be ideal. Second, we talked numbers, specifically how much you could realistically earn through matched betting. Through initial sign ups bonuses you could make £500 in your first month from £150. Then going forward, depending on your time investment, how you could look to make £100+ per week. Third, we dug into Tom’s story to find out how he managed to become a full time matched better. It is a very interesting story from starting matched betting after uni in 2014 to then becoming a full time matched better roughly a year later to then transitioning into building other income streams to step back from matched betting after doing it full time 4 years later. We also touched on some risks of matched betting. Can you get banned? What happens if you get ‘gubbed’? Can you withdraw your money? How can you track your bets? And a lot more. Listen to the full episode for more information! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

In this episode I’m joined by Brian from The Frugal Spender to discuss the difference between being frugal, being cheap and being tight. We went through what these terms actually mean. All of them have some negative connotations, but being frugal is: using your resources in the most efficient way possible to maximise your personal benefit. This sounds pretty good and what we want to aim for, as opposed to being cheap/tight. We also went through a number of actionable ways to be frugal and become more frugal over time. Some ideas are not buying stuff you don't need and only buying things you value, buying things second hand (I recently bought a 2nd hand backpack for travelling Thailand), shopping around for the best deals (like insurance and phone contracts), and so on. We discuss a lot more in the podcast. Listen to the full episode for more information! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

In this episode I’m joined by Sarah from @altstproperty and we discuss what will happen to the property market in 2023. It's always hard, and nearly impossible, to predict what will happen to the markets. But we tried out best! First, we discussed what happened to the property market in 2022 and more broadly over the last few years. Second, we delved into discussing what could happen to the property market in 2023 - given current conditions of inflation, interest rates, house prices, and so on. Finally, Sarah shared three top tips for people who want to invest in property in 2023. Listen to the full episode for more information! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

In this episode I’m joined by Kate from @moneymindsetmother and we discuss how to effectively manage your money as a parent. Kate is a mum of 3 and is very experienced at managing her own money and her families money so is the perfect guest for this episode. First, we discussed the transition to managing money from a non-parent to a parent. One of the most important things is to know your numbers - knowing exactly what is coming in and going out each month. This comes back to budgeting which is the ‘bedrock’ of both building your wealth personally and as a parent for your family. Another suggestion from Kate, which I’m a fan of, is to print out your bank statement at the end of the month and get two highlighters. In one colour highlight your needs and in the other colour highlight your wants. This will then help you to understand where you’re money is going and if there's any wiggle room to cut back. Second, we discussed whether the process of managing your money changes as your children grow older. It most likely will and is likely to include using vehicles like Junior ISAs to help save/invest for your children’s future. Third, we chatted through how much to save, especially if you have multiple children. The bottom line is, if you’re able to, any money saved/invested at all is a bonus. Even if there are points when you can’t contribute, any money previously invested no matter how small will continue to compound over the years. Lastly, we discussed investing personally for yourself whilst having a family and some top tips to take away for managing your money as a parent. ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Richard Brown from @thepropertyvoice joins me (again) on this episode to share some property wisdom. This time on some of his 'Property First Principles'. This includes: The 18-year property cycle - what it is, how you can use it to your advantage, and when the next crash might me. Leverage and 'other people's money' - how property can accelerate your wealth building path. Being a property investor - including the '3F's', which are forcing the discount, forcing the appreciation and forcing the yield. We also touched on a few more property related tips at the end.  Listen to the podcast for more details! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Richard Brown from @thepropertyvoice joins me on this episode to discuss how we can turn our own homes into an investment or an asset. It is worth saying that it is contentious as to whether a home is an asset or a liability, each person has a different opinion. But, a general definition is that an asset 'puts money into your pocket' and in this podcast we talk through how you can do exactly that. First, we touch on some tax efficiencies through buying your first home - particularly by using a LISA and paying no Stamp Duty.  Second, we then go on to talk through the Rent A Room Relief Scheme. In the UK this allows us to bring in a lodger and rent out a room in our home. Doing this we can earn up to £7,500 per tax year completely tax-free. This is exactly how we can turn our home into an asset as we can earn some monthly rental income that 'puts money in our pocket'. Third, we go through how buying your own home can work out cheaper than investing in property. Mainly through a lower deposit needed - 5% compared to 25% generally for buy-to-lets, and lower interest rates available on residential properties compared to investment propeties.  Listen to the podcast for more details! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Inflation is currently at 9.1% in the UK (a 40-year high) and is a large concern for many people as everyday items becoming increasingly more expensive. In this podcast episode I cover everything that you need to know about inflation. Starting with the basics of what it is and how it is measured. Before moving onto why governments actually want inflation, how they attempt to control inflation, and the impact inflation has on our finances. Finally I talk through whether you should be worried about rising inflation and what you should do right now with inflation on the rise. Listen to the podcast for more details! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Ola from @allthingsmoney_ joined me on this episode of the podcast all about the current cost of living crisis. First, we discuss what the 'cost of living crisis' is and why we're in this position. There are a number of factors that have contributed to the position that we are currently in. Next, we talked through what this means for us. In short, due to the cost of living crisis and inflation our money unfortunately is not going as far. Finally, and hopefully most helpful, we go through what we can do. This revolves around reducing expenses and increasing income. In the podcast Ola gives many specific apps and platforms that we can use to both reduce expenses and increase income.  Listen to the podcast for more details! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing in 2021 & beyond workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

In this podcast episode I run through 13 tax-free allowances that we should know about in 13 minutes. This is just in time for the end of the tax year on 5th April and for the start of the new tax year on 6th April. The majority of these allowances are 'use or lose', so if we don't use them up they do not rollover and are lost forever. We then get a fresh, new set of allowances whenever a new tax year starts on 6th April.  These allowances range from income allowances, such as the £12,570 personal allowance and £2,000 dividend allowance, to investing allowances, such as the £20,000 ISA allowance and £12,300 capital gains tax allowance, to property allowances, such as the £7,500 rent a room relief scheme and £1,000 property allowance, and a lot more that are all covered in this podcast episode. Listen to the podcast for more details! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing in 2021 & beyond workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Josh from @becomingfinanciallyfree_uk joined me on this episode of the podcast to discuss everything NFTs. First, we went through the basics of NFTs and web3, what they are and what they actually mean. Second, we discussed the reasons why NFTs could be a good investment, but also why they are an incredibly risky investment to make. Third, we went through the 3-step process to start investing in NFTs in reality. This includes opening up an account on an exchange, opening a wallet, and then buying NFTs through a marketplace like OpenSea. Lastly, we touched on Josh's own investments, of which he has 50+ NFTs. This includes the 3 things he does before investing into any NFT project. Listen to the podcast for more details! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing in 2021 & beyond workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Jack from MakingTaxSimple joined me on this episode of the podcast to discuss how we can invest tax efficiently.  First, we talked through Stocks & Shares. These are powerful as they give us a £20k yearly allowance with all gains, dividends and bond interest being tax free. Not to mention that they are flexible and we can withdraw money whenever we like. Second, we talked through pensions. If you have an employer match these accounts are certainly the most lucrative. But, whether its a workplace pension or a private pension (we talked through both), a pension still gives tax relief so we have more money compounding over the long term. The downside being that they are inflexible and we can't access them until later in life. Third, we talked through general investment accounts (GIAs). Although these accounts don't have any built in tax advantages, we are able to use the £12.3k capital gains tax allowance and £2k dividend tax allowance to reduce the amount of tax we may have to pay each year. Finally, we touched on some scenarios and how we would approach them, including: investing from a young age and not using a pension, investing from an older age and not using a S&S ISA, and what to do if you're self employed. Watch the video/listen to the podcast for more details! ----------------------------------------------- 📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2 📈 How to start investing in 2021 & beyond workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/ 📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

👉Watch on Youtube here: https://youtu.be/XakwCe2gFLY Nick from Nick JM joined me on this episode to discuss global investing and why we use global funds to invest.   First, we gave a introduction into global funds - what they are and their pros and cons. A huge pro is that it's impossible to predict where the stock market will be in the future, which companies will be the largest, which countries will be the best, and so on, which makes global investing a great and simple approach due to the global diversification we get.   Second, we went into more detail about the specific global funds we use. Interestingly we each use a different global fund. Nick uses a global ETF called VWRL, I use a global index fund called FTSE Global All Cap. Both of which are Vanguard funds and can be found on Vanguard's website.   We went into more specific detail about the pros and cons of each of these funds and why we use each one personally.   Watch the video/listen to the podcast for more details!   Nick's channel - https://www.youtube.com/channel/UCLV4Jl3XQNDNG4Sj94Fv-Fw  Nick in the press - https://inews.co.uk/inews-lifestyle/money/saving-and-banking/savings-on-course-to-hit-900000-retire-at-47-1381860   -----------------------------------------------  📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2   📈 How to start investing in 2021 & beyond workshop - https://payhip.com/b/1fic  🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/   📸 Instagram - https://www.instagram.com/makingmoneysimple/  🐦 Twitter - https://twitter.com/makingmsimple

Charlotte from @lookingafteryourpennies joined me on this episode to discuss a very common question - if you have some extra money per month, should you use this to invest more or pay off your mortgage quicker? First, we talked about the benefits of investing more per month. Conclusively, by investing more per month, you're likely to earn a higher return. This is because the stock market averages around 8% per year over the long term. But, even if this annual average return is much lower at 3% then this is still likely to beat the interest rate you will pay on your mortgage. Hence, from a mathematical point of view, investing is likely to be better. Second, we talked about the benefits of using this extra money per month to pay off your mortgage quicker. Doing this is likely to be psychologically better, as people don't like debt, even if it is a mortgage. Paying off your mortgage quicker allows you to achieve debt-free status earlier and lifts a weight from your shoulder. Eliminating this large monthly payment also puts a lot more money in our pockets each month.  Charlotte and I then went on to discuss whether we could do both at the same time - and this is exactly what Charlotte does personally! We then went onto talk about further pros and cons of each approach, as well as looking at - based on certain personality traits - whether one approach or the other may be better. Listen to the podcast for full details! ----------------------------------------------- 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2  📈 How to start investing in 2021 & beyond workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/  📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

CK from @cktalksmoney joined me on this episode to talk all about mortgages. This episode is your crash course guide to understanding mortgages. First, we talked about what a mortgage actually is and how the process of getting a mortgage works. CK broke it down very simply and walked us through the process of how getting a mortgage works in practice. As part of this we also spoke about using a mortgage broker, the pros and cons of this, and how this compares to using a bank. Next, we talked through the costs involved with buying a property. Whilst the deposit is a large part of this, it's certainly not the only cost we will incur in buying a property. There may be a range of other costs and fees we need to incur, including solicitor fees, valuation fees, mortgage arrangement fees, stamp duty, cost of any furnishings, and so on. It's important to factor in all costs we will incur before jumping into buying a property. To finish we spoke through 95% mortgages which were reintroduced earlier on in the year. Whilst they provide another option to us, and make it slightly easier getting on the property ladder, it is probably better for most to save for a larger deposit. The main cons of these 95% mortgages is the larger mortgage monthly payments and the risk of negative equity. Listen to the podcast for full details! ----------------------------------------------- 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2  📈 How to start investing in 2021 & beyond workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/  📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple

Thando and Lindie from @skilledfinances joined me on this episode to talk about managing your money whilst being in a couple. First, we talked about whether there is a 'blueprint' that could be followed when it comes to managing your money in a couple. Thando and Lindie shared their approach and some specific questions to ask your other half to help get the conversation about money going. Next, we talked about how to manage your money as a couple. Should you use a joint account? Should you budget together? Should you track your net worth and investments together? Ultimately, it depends on the situation, but the guys shared some great tips to help. To finish I proposed some situations like, what to do if one partner is not good at managing their money, or what to do if one partner simply isn't interested in money at all. Thando and Lindie helped to shed some light on how to deal with these more difficult situations than can arise in a relationship.  Listen to the podcast for full details! ----------------------------------------------- 💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2  📈 How to start investing in 2021 & beyond - Workshop - https://payhip.com/b/1fic 🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/  📸 Instagram - https://www.instagram.com/makingmoneysimple/ 🐦 Twitter - https://twitter.com/makingmsimple