Headsup On Money

Hosted by Benjamin Mitchell

Business Investing

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Episodes

159

Latest episode

Aug 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

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.

August 14, 2026Episode 15822 min

158- ISA Misconceptions

Benjamin continues the misconception series in this episode by addressing the humble ISA. How many of these were you aware of? Here's the link Benjamin mentioned in the episode: pensions or ISAs - which is better? 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 7, 2026Episode 15723 min

157- Pension Misconceptions

In this, the first episode in a 'misconceptions' mini-series, Benjamin talks all things pensions. Benjamin shares the most frequent misconceptions we tend to have when it comes to our pensions and why these may be damaging to our longer term financial health. 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.

July 31, 2026Episode 15615 min

156- A Different Way To Think About Tax

None of us like to pay more tax than we need to, but in this episode, Benjamin tries to change your views around tax and financial planning. Adopting a short-term tax reduction perspective can be detrimental to your long-term financial goals. By the end of this episode, you'll understand how taxes interact with financial planning, and hopefully you'll consider your lifetime rate of tax rather than looking at tax on an annualised basis. 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.

July 24, 2026Episode 15530 min

155- The Retirement Danger Zone, Planning Before Your State Pension Kicks In

For many people, the years between your income stopping and your state pension commencing represent the greatest risk and worry in your retirement plan. In this episode, Benjamin gives you a full MOT of things to be thinking about in this often stressful window: Investment planning, tax planning, order of withdrawals, pensions or ISAs?! It can be a complex and overwhelming subject, but at the end of this episode you should be armed with the confidence to navigate the retirement danger zone confidently. Free from financial jargon, 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.

July 17, 2026Episode 15410 min

154- Is Your Platform Nabbing Your Interest Payments?

In this episode, Benjamin discusses why the FCA are currently looking into how interest is dealt with on your platforms. There's also some homework for you in this episode: to reach out to your investment platform to understand how they are paying you interest and whether or not they are engaging in the shady practise of 'double dipping.' Benjamin explains everything you need to know and do in this episode, in under 10 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.

July 10, 2026Episode 15315 min

153- The SpaceX IPO: Why You Shouldn't Care

This episode, Benjamin discusses the SpaceX IPO, arguably one of the bigger financial news stories of the year, explaining why, as a diversified global investor, you will always own the beasts and don't need to be concerned about FOMO. 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.

July 3, 2026Episode 15226 min

152- Should You Consolidate Your Pensions?

In this episode, Benjamin explains why you shouldn't automatically transfer and consolidate your pensions. There can be benefits in doing so, but you need to first understand what you may potentially be losing out on or giving up. Understanding that will give you the confidence that you're making the right financial decision and avoiding any financial mistakes in consolidation. By the end of this episode, you'll understand what you need to be thinking about and some of the questions you need to ask of your existing pension providers before pressing 'consolidate'. 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.

June 26, 2026Episode 15119 min

151- Is A Market Crash Around The Corner?

The Never Ending Worry Service is rife at the moment with conjecture that 'the market has peaked' and 'a downturn is around the corner'. It might be. It mightn't be. We cannot know for certain. But looking at the data it tells us that just because we're currently at a market high that is not to say the market cannot get any higher. Benjamin brings this to life with some numbers in this episode, 151. 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 19, 2026Episode 15016 min

150- Why Passive Investing Should Be Your Gold Standard

In this episode, Benjamin explains why passive investing is actually an active investment decision based on sound evidence rather than conjecture. The active versus passive debate is all around us, and often, passive is framed as the second-best option. The reality, however, is that it couldn't be further from the truth. Evidence and history do not lie. Here's a link to the SPIVA analysis Benjamin referred to in the show. 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.