Headsup On Money

Hosted by Benjamin Mitchell

Business Investing

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Episodes

150

Latest episode

Jun 2026

Language

EN-GB

About the show

Headsup On Money. Never make another financial mistake. Join Benjamin Mitchell (The Money Scot) - a chartered financial planner and serial hater of financial jargon, as he helps you to make better financial life decisions, retire on your terms and never make another financial mistake. In this weekly podcast we answer the money questions you're too scared to ask and arm you with the knowledge and power to help you get on top of your personal finances.

Listen to episodes

60 recent

June 12, 2026Episode 14920 min

149- My Business Is My Pension, Avoid This Red Flag

Small company business owners often believe that their business is their pension and that pensions are inefficient and subject to too much change to even start with in the first place. Benjamin climbs on his soapbox in this episode to encourage you to re-evaluate this false economy. And: Your personalised business owner blueprint Here's a link to the tool Benjamin mentioned in the episode. Takes 5 mins, receive custom results straight away and it's completely free. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

June 5, 2026Episode 14829 min

148- Investment Bonds Explained, Does Your Financial Plan Need One?

In this episode of Headsup on Money, Benjamin explains the pros and cons of investment bonds. They can appear very confusing, and you are probably unsure whether or not your financial plan needs one. But by the end of this episode, you'll have mastered the pros, the cons and be more confident about whether they could help you save tax. Jargon-free as always. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

May 29, 2026Episode 14716 min

147- A Different Way To Protect Your Family

So many of us have heard of life insurance as a way to protect our family and our financial plans, but too few of us have heard of another product that, instead of providing a lump sum, can provide us with a regular monthly income in the event that we're no longer here. The benefits of these plans can provide you, and your loved ones, with significant peace of mind, often at minimal ongoing cost. Knowledge is power, money, nerds. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

May 22, 2026Episode 14619 min

146- What's Changing With ISAs?

In April 2027, the amount you can subscribe to Cash ISAs is likely to change. In this episode, Benjamin summarises the key points you need to be aware of and ultimately why these changes are unlikely to have any material impact on your long-term financial plan. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

May 15, 2026Episode 14514 min

145- Record Keeping & Inheritance Tax Planning (Don't Make This Same Mistake)

In this episode, Benjamin outlines why record-keeping when it comes to your inheritance tax planning, is as important as the planning itself.Yet, so few of us are keeping necessary detailed records, accounting for the information that your executors will need on your passing. Nailing this stuff down now will give you the peace of mind to know your IHT planning is effective and will provide your loved ones and executors with a huge freebie in the future. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

May 8, 2026Episode 14437 min

144- Your Behaviour Is The Problem (With Guest Fabrizio Zumbo, MBA from Vanguard)

In this episode Benjamin is joined by guest host Fabrizio Zumbo, MBA who joins us from Vanguard. Fabrizio is an expert in behavioural biases and investment management and shares the main behavioural mistakes that nearly all investors make. He explains why many investors don't receive the returns they are entitled to and your behaviour is to blame. Resources mentioned in the episode: SPIVA - Here are the market insights that Fabrizio mentioned in the podcast, which demonstrate that active management and trying to outperform the markets rarely works out in practise. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

May 1, 2026Episode 14318 min

143- 8 Money Laws To Live By

Benjamin shares the wisdom from Morgan Housel's new book, "The Art of Spending Money". There are eight laws to live by when it comes to looking after your wealth and yourself. See how many resonate with you; how many you are living by and how many you are you failing to practise? Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

April 24, 2026Episode 14221 min

142- Legal Must Haves Part 2: Why You Need A Power of Attorney (POA)

In this, the follow-up episode to last week's episode on Wills, Benjamin reinforces the importance of having a Power of Attorney (POA) and why this matters for your financial plan. Nailing this stuff down now will offer spades of peace of mind. Yes, it's not fun to think about. But nailing this stuff down now will free you to enjoy the really important stuff.The costs of not having these documents in place are simply too great to ignore. Good luck, money nerds. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

April 17, 2026Episode 14124 min

141- Legal Must Haves Part 1: Why You Need A Will

In this episode, Benjamin shares the importance of having a Will when it comes to your financial plan. You've spent years carefully building your wealth and creating a solid financial plan, but without a Will, it can all be undone extremely quickly on your passing. Wills can help avoid costly tax mistakes and legal costs in the future.In next week's episode, Benjamin will cover off the importance of a Power of Attorney (POA) arrangements. Nail these things down, money nerds, and then focus on what really matters in life. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

April 10, 2026Episode 14020 min

140- How The Annual Allowance Works In Defined Benefit Pension Schemes

Benjamin explains the key differences between defined contribution and defined benefit pension schemes and how they use up the annual allowance. By the end of this episode, you'll understand the intricacies of each scheme and be able to estimate how much of your annual allowance you are using and help to avoid nasty tax charges that many people are sleepwalking into. Knowledge is power, money nerds. This stuff is a tad complex, but once you've mastered it, it really is nailed down. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps make your finances clearer and ensures you never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.