The Making Money Simple Podcast

Hosted by Ryan King

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106

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Aug 2026

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About the show

The podcast helping you to invest and build wealth ✔️ I'm Ryan, a Chartered Accountant and investor from the UK and I share my mistakes, journey and knowledge - all whilst having a laugh - through this podcast! 💻 My website - https://makingmoneysimple.co.uk/ 📕 My book: Stop Waiting, Start Investing - https://linktr.ee/makingmoneysimple1 If you have any questions or want me to cover any specific topics, feel free to email me at: makingmoneysimple1@gmail.com

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September 11, 202612 min

Will I Switch To Vanguard's New Global ETF 'VALL'? Here's My Plan For Every Account

👉 List of Brokers I use (some have sign-up offers): I currently haven't invested a single penny in Vanguard's new FTSE Global All Cap ETF, 'VALL'. There are 3 key reasons why, and we go through them in this video. Saying that, I might invest/switch to VALL soon... And I've been getting quite a few questions about my plan, given that I am a global index fund investor myself. So in this episode I go through each of my investing accounts - and each investment - to chat through which ones I probably will switch to VALL, and which ones I probably won't switch to VALL. At the time Are you investing in VALL yet? ----------------------------------------- 📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------------- ⚠️ Disclaimers : I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results. ----------------------------------------- 📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠ ----------------------------------------- ⏰ Timestamps: 0:00 - VALL growth 1:28 - Investments I won't switch 1:51 - VAFTGAG investments 4:42 - Small cap value Stocks ISA 6:23 - Business investing account 7:34 - Various GIAs 9:41 - 'Bed & ISA' Stocks ISA 10:24 - Overall strategy 11:11 - Who should switch?

September 9, 202620 min

Q&A: When To Invest In Gold & Bonds? Plus, Why You NEED To Ignore Billionaires

👉 Looking for a hand? ⁠ How I can help you ⁠ 📺 Watch these next: Bonds - Should You Invest? (And Exactly How UK Investors Can) Everyone’s Buying Gold… Should You? (The Truth) In this podcast episode, we answer a great question from Andrew - in terms of when someone should consider investing in gold and/or bonds. I give my current thought process - and some more useful videos on these topics are linked at the top of the description. We then go into why it's important to ignore billionaires if you're a regular person looking to build wealth. Thanks for the question Andrew! If you have a question, feel free to email me: ryan@makingmoneysimple.com ----------------------------------------- 📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------------- ⚠️ Disclaimers : I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results. ----------------------------------------- 📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠

September 2, 202643 min

Is It Too Late, Or Are You Too Old, To Start Investing? - JP's Budget

JP from @jpsbudget joined me on this podcast episode to discuss a very common question - is it too late to start investing? In this one we answer that question, as well as the reality of starting later, how to actually get started and what you need to do to make the most of your money. Listen to the episode for the full details! ----------------------------------------- 📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------------- ⚠️ Disclaimers : I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results. ----------------------------------------- 📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠

August 26, 202615 min

He's 43 and Built A £180k Stocks & Shares ISA in 6 Years

I met with Neil from @NeilInvests and we went through his entire Trading 212 portfolio - every investment and why. Sign up to Trading 212 (or use promo code 'MMS' in the app) To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link. Terms apply. ----------------------------------------- 📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------------- ⚠️ Disclaimers : I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results. ----------------------------------------- 📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠

August 24, 202622 min

Vanguard's New 0.07% Global ETF (VALL): Every Question Answered

📈 Get started with investing (guide, cheat sheet & course - all for free) - ⁠⁠ click here ⁠⁠ 💷 How I can help you - click here 📺 Video: Should You Switch Global ETF? (VWRP vs FWRG vs ACWI) - click here There's been a lot of questions about Vanguard's new FTSE Global All Cap ETF - 'VALL'. So in this video, I tried to answer them all, open and honestly. If you have any other questions leave them in the comments below and I'll get back to you! ----------------------------------------- 📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------------- ⚠️ Disclaimers : I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results. ----------------------------------------- 📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠ ----------------------------------------- ⏰ Timestamps: 0:00 - It's here! 0:57 - Which brokers have VALL? 1:45 - Is there going to be an Income version? 2:04 - What’s the difference between this and VWRP/FWRG etc? 2:44 - Will I switch? 5:50 - Should you switch? 8:11 - Should you switch all in one go? 9:37 - Could this backfire? 11:20 - Summary on platform & fund switching 12:20 - Will it have 7,000 stocks? 12:36 - How much of it is US? 13:13 - What will other fund managers do? 14:13 - Will other Vanguard fund fees be cut? 14:40 - Why did Trading 212 halt investing? 16:04 - Difference to VWRP? 16:21 - Do you need small caps? 17:15 - Could they increase the fee? 17:44 - Use a separate small cap ETF instead? 19:12 - What about the Avantis ETF?

August 23, 202611 min

Vanguard's New FTSE Global All Cap ETF Launched! (Should You Switch?)

📈 Get started with investing (guide, cheat sheet & course - all for free) - ⁠ click here ⁠ 💷 Top broker offers - ⁠ click here ⁠ IT'S FINALLY OUT! The Vanguard FTSE Global All Cap ETF. This video includes the key details, as well as when it will be available on your platform and whether you should switch to it. Let me know your take on this in the comments down below.! ----------------------------------------- 📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------------- ⚠️ Disclaimers : I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results. ----------------------------------------- 📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠ ----------------------------------------- ⏰ Timestamps: 0:00 - It's here! 1:17 - ETF details 4:18 - Which brokers offer it? 4:43 - What are the downsideS? 6:21 - Should you switch to / use this new ETF?

August 19, 202624 min

My Investment Portfolio Hit £200,000! - August Portfolio Update

👉 Looking for a hand? How I can help you On 6 August 2026, I crossed a £200,000 investment portfolio. Crazy! I'm buzzing and certainly never thought this would happen when I started investing nearly 10 years ago. In this one, I go through all of the numbers transparently, from what I've contributed, what the gains have been, the exact investments I make, exact accounts I use, and more. ----------------------------------------- 📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------------- ⚠️ Disclaimers : I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results. ----------------------------------------- 📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠

August 12, 202619 min

£196, 452 Portfolio & 9 Years of Obsessively Investing - 14 Things I Learnt

I've been investing for nearly 9 years - and I've invested every month for over 100 months in a row now. Across that period I've lost money, made mistakes and learned what actually works. In this one, I go through the most important lessons from the last 9 years. Any questions let me know below - and I hope it helps you on your investment journey! ----------------------------------------- 📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------------- ⚠️ Disclaimers : I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results. ----------------------------------------- 📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠ ----------------------------------------- ⁠⁠⁠⁠⁠⁠⁠ ⏱️ Timestamps: 0:00 - 9 years later 1:25 - Making mistakes on small amounts 3:21 - Sticking with it 4:22 - The start is slow... but don't worry 6:11 - Automate what you can 6:56 - Your savings rate is most important 9:01 - The proof about compounding 9:47 - Own the whole haystack 11:36 - Boring works 11:53 - Fees matter 13:42 - Wrap it up 14:27 - Look into your workplace pension 15:18 - You probably don't need to do more 16:07 - Timing the market 17:30 - It's easy to get rich slow

August 5, 202618 min

Should You Invest at All-Time Highs? (Probably - and this is why)

Most of my £196k investment portfolio (at the time of recording) is invested in global index funds and ETFs. And right now they're all sitting at record highs - or 'all-time highs'. As is the S&P 500, the Nasdaq, and many other broad market indices. Which begs the obvious questions: is now a terrible time to invest? Should you just wait for a dip? Is this time different? In this episode we go through: What the data actually says about investing at all-time highs Why 'this time might be different' (or might not be) Practical steps to take, given the market is at a record high And more Thanks for watching and let me know what you think by leaving a comment below! ----------------------------------------- 📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------------- ⚠️ Disclaimers : I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results. ----------------------------------------- 📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠ ----------------------------------------- ⁠⁠⁠⁠⁠ ⏱️ Timestamps: 0:00 - The current state of the market 1:32 - Timing the market doesn’t work 4:02 - The market is regularly ‘high’? 5:40 - Why is the market regularly high? 6:50 - What is you invest right at the top? 9:07 - Lump sum or drip feed? 10:50 - But… this time is different 13:26 - The reality of market crashes 15:45 - What can you do? 17:27 - So… should you invest?

July 29, 202611 min

Q&A: Vanguard's VWRP (FTSE All-World) or VAFTGAG (FTSE Global All Cap) - Which Is Best?

Get my global index fund & ETF comparison tool: ⁠ click here ⁠ Listen to this next: 'Should you switch global ETFs?' In this podcast episode, we answer a great question from Andy: 'VWRP or VAFTGAG' There are a few important differences: What they invest in How much they charge in fees What platforms they are available on And the type of investment each of them is Listen to the podcast episode for the full details. And thanks for the question Andy! If you have a question, feel free to email me: ryan@makingmoneysimple.com ----------------------------------------- 📝 Get started with investing - I pulled together a 10-page guide, 1-page cheat sheet and 30-day email course (all for free) - ⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📕 Get my book Stop Waiting, Start Investing (available as a physical, digital and audiobook) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------------- ⚠️ Disclaimers : I am not a financial advisor and this does not represent financial advice, it is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. When investing, your capital is at risk and you may get back less than invested. Past performance does not guarantee future results. ----------------------------------------- 📥 Get in touch - ⁠⁠⁠⁠⁠⁠⁠⁠ click here ⁠⁠⁠