Headsup On Money

Hosted by Benjamin Mitchell

Business Investing

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Episodes

168

Latest episode

Oct 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

October 23, 2026Episode 16818 min

168 - Pensions Are Now Just 'Super ISAs'

In light of the upcoming April 2027 pension and inheritance tax changes, Benjamin explains how ISAs and pensions will compare next year. As he explains, the best way to think about this is to view your pension as a super ISA, with tax privileges on the way in and nuances requiring detailed tax planning on the way out. Resources mentioned in the episode: Are pensions now a waste of time? Pensions and 2027 IHT changes explained 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.

October 16, 2026Episode 16717 min

167- Why You Should Think Twice Before Opting Out Of Your Workplace Pension

Opting out of your workplace pension to help ease current cash flow concerns may be very tempting; however, the long-term effects this will have on your financial plan are drastic. In this episode, Benjamin explains why opting out of your workplace pension could be one of the most costly financial mistakes you make. 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.

October 9, 2026Episode 16613 min

166- The Perfect Financial Plan

In this episode, Benjamin outlines how you can achieve the perfect financial plan. Is it possible? If it's not, what can get you to the point of maximum certainty, save for having a crystal ball? 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.

October 2, 2026Episode 16517 min

165- False Economies

How many of these false economies are you making with your financial planning? You feel like you're doing the right things, you feel like you're taking the right steps, but in reality, it's pushing you two steps back. Benjamin covers all in under 20 minutes. 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.

September 25, 2026Episode 16424 min

164- Equity Release Explained

In this episode Benjamin discusses the often misunderstood financial product of equity release. For some people, this may be a critical tool needed in their financial plans. For others, it may represent an expensive debt that is unsuitable for them. By the end of this episode, you'll have an understanding of whether this may have a role in your financial plan, or the financial plans of your loved ones. 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.

September 18, 2026Episode 16311 min

163- 2027 Pensions and IHT Changes, Are Pensions Now A Waste of Time?

In this episode, Benjamin discusses whether pensions are still relevant in our financial plans in light of the changes coming into effect in April 2027. Are pensions still worthwhile? Want a deeper dive on this? Here's a link to a video we've recorded on this subject 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.

September 11, 2026Episode 16214 min

162- Pensions and Inheritance Tax, The April 2027 Changes Are Significant

There are significant changes coming into effect in April 2027 with pensions and inheritance tax. In this episode, Benjamin explains the backdrop as to what is happening, and why. Many more households will now face seismic tax charges as a result of these changes, so knowledge is power. Want to learn more? Here's a link to a video on this subject that we recorded. 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.

September 4, 2026Episode 16123 min

161- How Much Income You Need To Be Happy

In this episode, Benjamin looks at recent analysis which concluded how much income you need to be happy in 23 UK cities. Benjamin reflects on the numbers mentioned and reverse engineers this with your financial plan to ultimately ask how much your 'FU' number is. Here's a link to the resource mentioned in this episode. 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.

August 28, 2026Episode 15922 min

160- Retirement Planning Misconceptions

We're all approaching retirement with too many misconceptions and confusions. In this episode Benjamin explains that retirement planning isn't as black and white as you may think it is. You don't have to retire when your State Pension kicks in. You don't have to necessarily buy an annuity. Your pension doesn't die with you. It's all here and served free from any financial jargon, as always. Lastly, here's the free retirement health check guide Benjamin mentioned in this episode. This should help you focus your own retirement plans. 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.

August 21, 2026Episode 15924 min

159- Tax Misconceptions

The last two episodes have focused on the myths surrounding pensions and ISAs. In this episode Benjamin reviews the main tax misconceptions we all typically share. By the end of this episode you'll hopefully feel a lot more positive about tax, have some tax planning ideas you can take into your own financial plans, and no longer view tax as a bad thing but instead a success fee. 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.

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