The Women and Money Cafe is a space where women can come to listen and learn about all things money in a friendly, informal, no-jargon environment. Hosted by practising independent financial adviser and financial coach Julie Flynn. Each episode in the Women and Money Cafe we bring together members of our expert panel of female financial advisers, coaches, investment managers, guest experts and women from all walks of life to share, support and make space for Women to feel empowered with mone ...
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129. I've got £10k, what should I do with it (rerun)
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We're busy planning our next batch of episodes for you. So do let us know if you have any requests. In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. This week it's one of our very early episodes, 21. I've got £10k what should I do with it. The great thing about this show was that the …
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128. Secrets of Financial Coaching (rerun)
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We're busy planning our next batch of episodes for you. So do let us know if you have any requests. In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. It's Julie's turn this week and her favourite was 51. The Secrets of Financial Coaching. This episode is packed full of tips on how to u…
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127. Beating Lifestyle Inflation (rerun)
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We're busy planning our next batch of episodes for you. So do let us know if you have any requests. In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. It's Michelle up this week, and her favourite was 67. Beating Lifestyle Inflation. We look into what and how we end up with lifestyle cr…
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126. Shit! I've opened my pension statement, now what? (rerun)
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We've been getting a lot of messages to the WMC HQ about pensions. So we thought it would be timely to revisit episode 53, where Julie, Michelle and Sara walked you through what your next steps are. Some of the things we cover: How to find a financial adviser What happens in the first meeting What to bring with you to the meeting What we’re looking…
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125. 9 to Thrive (navigating job offers)
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Get ready to level up your career game in this episode of Women & Money Cafe, as we dive into the nitty-gritty of job offers and benefits. From company culture to pension plans, no stone is left unturned! Here's what you can expect: - Michelle's advice on gauging company culture and work-life balance - Emily's insights on aligning personal and comp…
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Prepare for a dive into a rapid-fire checklist for the end of the tax year. Get ready for crucial tax-saving tips and insights that will set you on a path to financial empowerment. Areas covered: - ISA Allowance: Understanding the current £20,000 allowance and making the most of it for tax-free growth and earnings. - Capital Gains Tax Allowance: Ex…
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123. Single & Secure with Tamsin Caine
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In this episode , the hosts, including returning founder member Tamsin Caine, explore the challenges and opportunities of managing finances as a single woman, particularly after a divorce or widowhood. They discuss the emotional and practical aspects of taking full control of finances, from setting up emergency funds to investing for the future. Wi…
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After the success of episode 70 (Atomic Habits for Money) we thought we should revisit actionable strategies for managing and reducing spending, highlighting the power of small changes in achieving big financial goals. Here are some key takeaways from the episode: - Reviewing Amazon orders and subscriptions to cut unnecessary expenses - Cancelling …
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121. Empowering Mindset with Katie Crooks
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We have a super cool episode for you in this one with hypnotherapist Katie Crooks. She brings a wealth of insights on overcoming self-sabotage and imposter syndrome, empowering listeners to tap into their true potential. Stay tuned to the end when Katie blows our mind with the significance of the word "try" and why Julie is determined to eliminate …
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120. Women, Money & Power with Josie Cox
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JOSIE COX asks why money is still so gendered! Why progress towards closing the gender pay gap has been so elusive over the past few decades. Why we’re still failing to have good, inclusive conversations about gender inequality. Josie is a journalist who has worked on staff for Reuters, the Wall Street journal, and The Independent and as a freelanc…
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119. Showdown: Mortgage Vs Pension
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In this episode Julie, Michelle, and Emily engage in a spirited debate on the age-old question: Should you overpay your mortgage or put money into a pension? This showdown delves into the financial implications and personal preferences that go into making this crucial decision, leaving listeners with insightful perspectives to shape their own finan…
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118. Should I overpay my mortgage?
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We discuss the age-old dilemma of whether to overpay your mortgage or not. - Debt management: Understanding the importance of addressing other debts before focusing on your mortgage. - Establishing an emergency fund: The significance of having a financial cushion for unexpected expenses. - Mortgage provider policies: Exploring the limitations and p…
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117. Five Most common money mistakes and how to avoid them
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In this episode we discuss the 5 most common financial mistakes women tend to make. They indicate that often, women are not involved in long-term financial decisions or they fail to invest money in their own names. They also mention pitfalls like investing in high-risk schemes without a proper understanding of the risks involved, striving for finan…
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116. Aging and Finance: How Money Habits Change as We Grow Older
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The episode discusses the changes in money habits as people age. They discuss how attitudes towards money can remain constant through life but can become more extreme or display in different ways with age. They also notice a sort of cycle where people in their 50s are highly focused on planning for retirement. Upon reaching the 60s, the strict and …
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In this episode of the Women in Money Cafe, the hosts discuss their old beliefs about money and reveal how they've evolved their views. From thinking they were useless with money or that they didn't deserve it, to believing that wealth equates happiness, each shares their journey to understanding their relationship with money. They touch on the imp…
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114. The Best Money Moves We've Ever Made
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In this episode Julie, Sara, Michelle, and Emily discuss their best financial decisions and how they've positively shaped their personal finance management. Michelle shares her successful strategy of organizing money into separate 'pots' for different purposes - from taxes to holidays, allowing her to have a clearer picture of her finances. Sarah d…
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We know from chatting to you that many of you have started investing since listening to the podcast. And we love that! But we also know that it will have been hard watching your investments this year and that you may be tempted to quit investing and move money to cash because of interest rates. This episode is for you if you are feeling disillusion…
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112. Lis & Nitika from Aila Money
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Nitika and Lis from Aila Money discuss the gender wealth gap and ways to address it. They discuss Aila Money's innovative approach to equipping women with financial tools and knowledge. This includes a beta version of their not-yet-an-app, which focuses on life goal planning, not just finance, and understanding individuals' needs and wants for thei…
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On this episode of the Women in Money Cafe, guests Sara and Michelle talk about money M.O.T, a financial health check concept. They discuss tools such as HSBC's financial fitness test and Money to the Masses' money MOT tool. These tools can help listeners assess their financial health and provide insights on areas in need of improvement. They also …
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110. Lights, Camera, Cash: Money Films
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The team at Women in Money Cafe discuss their favourite films that involve money and the lessons that can be gleaned from them. Some films highlighted include 'The Big Short', which helps demystify the 2008 financial crisis; 'Rogue Trader', a true story that illustrates the importance of proper financial compliance; and 'Confessions of a Shopaholic…
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109. Christmas Money Challenge (throw back to WMC 2)
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🎙️ The Christmas Money Challenge Revisited! Back at the start of the WMC podcast journey, Julie and Catherine ran a challenge to make some extra cash for Christmas. Back then finances were stretched as we dealt with a pandemic. Two years on and the cost of living has hit hard. So we thought we'd revisit some quick wins to make extra cash. Areas Cov…
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108. Money & House Renovations with Susan Francombe - the Biking Building Barrister
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In this episode we're joined by Susan, the Biking Building Barrister. We're cutting through the jargon and sharing loads of tips to protect your money and your home. Areas Covered: - Difference between a quote Vs estimate - How much if any deposit should you pay - Handling paying for materials - Finding reliable builders and tradespeople through tr…
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107. Listener Spotlight: Your questions answered with Rachael
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We've got such a cool episode for you this time! Listener Rachael joins us for this one to put her question to the panel: if you haven't got a business and your not sitting on hundreds of thousands of pounds, who do you go to for help understanding your pension, your Individual Savings Account, and for a general money MOT? Our answers covered a lot…
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106. Business Protection with Naomi Smith
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In this episode we are joined by guest Naomi Smith from Saltire Financial. With years of expertise in business protection, Naomi sheds light on the crucial steps women in business need to take to ensure their financial well-being. Here's what you can expect from this informative and empowering episode: Importance of business protection in safeguard…
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105. Guilt Free Spending Dilemma
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In this episode of the Women & Money Cafe podcast, hosts Julie and Emily challenge conventional wisdom when it comes to spending money. They dive into the idea that you should only buy something when you have saved up for it, and explore the continuum of spending and saving. Here are some key points covered in the episode: - Julie and Emily share t…
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104. Money Mindset with Tanya Ibberson (Financial Wingwoman)
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We've got Tanya joining us today to share a fab money mindset exercise. What to expect: 🔸 The role of trauma in shaping our relationship with money 🔸 Unpacking the unique impact of childhood experiences on our money mindset 🔸 Challenging negative beliefs and rewriting our money stories 🔸 Tanya's eye-opening exercise for identifying and reframing mo…
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In this episode of the Women & Money Cafe podcast, hosts Michelle and Julie dive into the complex world of care home fees. Join them as they discuss key facts and strategies for managing the cost of care, including options for funding, negotiation techniques, and the potential benefits of annuities. Get expert advice on navigating the care system, …
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102. Acts of Kindness: Inspiring Stories of Paying It Forward
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We've got a feel good episode for you today. Inspired by Emily's story of helping a man having problems with his van. Want to learn more about the power of paying it forward? Check out these websites: 1. Random Acts of Kindness Foundation - www.randomactsofkindness.org 2. Kindness UK - https://kindnessuk.com thanks to Louise Talmage for this one 3.…
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101. Your Guide to the State Pension
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In this episode of Women & Money Cafe, Michelle and Julie dive into the topic of the state pension. You might have written the state pension off. Don't! It's a lot more valuable than you realise. We'll be breaking it down to help you understand its importance and how it fits into your retirement plan. No more confusion or uncertainty, just clear an…
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100. Celebrating 100 Episodes: Favourite Insights, Interviews, and Wisdom Revealed
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To mark hitting the first 100 episodes of the podcast, we're pulling out the learning points from our favourite episodes. And a run down on what the most downloaded episodes have been. Emily was first up with how inheriting money can be a complex emotional challenge. Episode 50 was "I've inherited some money and I feel _____" Michelle loved episode…
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99. Navigating Teenagers & money
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🎙️ We're with Laura Weston this week, tackling teenagers and money. 💰💁♀️ Here's what you can expect: 💡 Unpredictable World: Discover how the post-COVID era has taught us the importance of being financially prepared and having a backup plan for any uncertainties. 💸 Parental Influence: Learn how open conversations about money with your children can …
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98. Legacy Planning 101: Essential steps for passing on wealth with Lindsay McInnes
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We've got a takeover this week! One of our listeners had questions about passing on wealth to her children. So she's joined us for this episode which is expertly hosted by Emily! If you've got questions you would like us to answer, or fancy joining us for an episode, drop Julie an email (julie@breewealthandtax.co.uk) or message her on Instagram. Ke…
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97. Rule Breaking with Karen Webber
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We're diving into the world of marketing with guest expert Karen Webber. In this episode, we challenge commonly held beliefs about marketing and explore the power of ethical practices, and how Karen loves breaking the rules and getting others to do it to. Here's what you can expect: What is ethical marketing Shady practices that go on Why some big …
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96. Budgeting Bliss (a true story)
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In this episode Sara grills Julie on how she went from budgeting disaster to master of spending plans. They have a really frank discussion about what went wrong for Julie when she's tried budgeting in the past. Why as much as she loves apps, they just didn't work for her. She'd get disheartened and give up. Plus, like some of you, she thought what'…
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95. Women's Guide to Income Protection with Kathryn Knowles
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We have the protection legend and guru, Kathryn Knowles, with us for this episode talking income protection. In under an hour Kathryn is going to share everything you need to know about this really vital (but not talked about) part of the protection puzzle. Our favourite part? Kathryn's image of a cash machine in your front garden - which she is pr…
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94. Building Healthy Habits: Nicky Marshall's Guide to Discover your Bounce
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In this episode of Women & Money Cafe, join our hosts, Julie Flynn & Emily Pool, as they sit down with the energetic and inspiring Nicky Marshall to discover the secrets of finding your bounce in life. From skydiving to tackling wellness goals, Nicky shares her journey of self-discovery and wellbeing. Expect top tips on managing relationships, maki…
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93. Networking without the Small Talk
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In this episode where we're going big, into the world of networking without the small talk. We've done our research, and forget Google - Instagram is where it's at for reliable and entertaining insights! We heard from numerous individuals who shared their challenges with networking - feeling awkward, not knowing what to say, and encountering pushy …
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92. Mapping your journey to retirement
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Join us as we tackle the burning question on everyone's mind: How much do you need to retire? From dissecting pension plans to outlining alternative income sources, they dive deep into the world of retirement planning. Get ready to have your mind blown as they reveal surprising insights and strategies for ensuring a comfortable and fulfilling retir…
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91. Tax Strategies for Smart Investors
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Join Sara, Michelle and Julie in this episode of Women & Money Cafe as they tackle the burning question on everyone's mind: How much do you need to retire? From dissecting pension plans to outlining alternative income sources, they dive deep into the world of retirement planning. Get ready to have your mind blown as they reveal surprising insights …
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90. F##k Perfectionism - it keeps you poor with Laura Perkes
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WARNING: this episode contains strong language. Our guest, Laura delves deep into the topic of perfectionism and its surprising connection to keeping people poor. We look at how generational shifts and beliefs feed into perfectionism. And how it can consume us, especially when it came to balancing being a professional and a mother. Laura and the re…
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Get ready to dive into a topic that's rarely talked about but is oh so important: the cost of dying. Join Michelle, Emily, Sara, and Julie in the Women & Money Cafe as they spill the beans on the financial side of laying loved ones to rest. From direct cremation to personalized funerals, they uncover the trends, the surprises, and the alternatives.…
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88 Confronting Bias in Financial Services
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This one might be uncomfortable! Julie’s be on an adventure this year exploring her own bias and bringing these uncomfortable conversations into the light. Along the way she met Bhavisha Soni, our guest today, and that prompted this podcast episode. We all have bias, fact! Whether we like it or not. But if we can be brave about it, and start reflec…
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87. Using your values to hack big decisions
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In this episode, we explore the powerful impact of values in our personal and professional lives. We start off by sharing a real-life coaching experience where a client was grappling with some tough business decisions. We touch upon the different ways in which our values can be influenced by our surroundings and share a fantastic resource personalv…
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86. Financial First Aid with Abby Birch from Claro Wellbeing
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In this episode of Women & Money Cafe, our hosts Emily and Julie are joined by the fabulous Abby Birch from Claro Wellbeing to talk about the innovative concept of "financial first aid." They dive into the importance of understanding our finances to impact our overall health and well-being, and Abby shares her insights on creating a safe space to t…
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85. Investing Smarter, not Harder: WTF is a multi asset fund?
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Welcome to Women & Money Cafe, where we explore all things finance through the lens of women. In today's solo episode, we'll be diving into the topic of multi-asset funds. First, let's talk about what a multi-asset fund actually is. As the name suggests, it's a fund that includes multiple assets, such as stocks and shares, bonds, property and commo…
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84. Final Salary Pension: To Transfer or Not to Transfer? (pension mini series 5)
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In this episode, we're diving into the controversial topic of what to do with a final salary pension. Many personal finance forum posts claim that providers require a letter from a financial advisor in order to transfer a pension, yet advisors seem unhelpful or charge a lot for the required letter. To help us understand this process, I'm joined by …
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83. Pension Overload: Consolidate or Complicate? (pension mini series 4)
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The idea behind today's episode is to help our listeners who have multiple pensions and don't know what to do with them. We're going to discuss an approach that you can take, and share stories to illustrate it. We'll be explaining the term "consolidation," and discussing when it's appropriate to use it and when it's not. We'll also talk about the t…
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82. Compassion, Honesty, and Understanding: Keys to Breaking Bad Money Habits
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We're joined by Beck Harrison, a post-traumatic growth coach. We dive into the impact of trauma on one's relationship with money. Beck shares personal experiences, including a humorous encounter with Noel Gallagher, and highlights the importance of being honest with oneself about bad money habits and recognizing the presence of protective mechanism…
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81. Embracing Risk: Developing a Winning Mindset for Financial Success (pension mini series 3)
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On this episode of Women & Money Cafe, host Julie Flynn dives into the world of investment risk and how to determine personal risk for investments. Julie shares insights on how higher investment risk often leads to higher returns and how investing in multi asset funds or purpose-built portfolios can help reduce the risk of losing all your money. Sh…
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80. How to pick a workplace pension fund (pension mini series 2)
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90% of people in a work place pension in the UK are in a ‘default’ fund. Which may not be the right place for you. In this episode we are going to walk you through how to be intentional with your choice of pension fund. We will share the 3 key pieces of information you need to start with. Know if your pension has “lifestyling” and why you might wan…
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