#  @retirementandmoney The Retirement & Money Show The Retirement & Money Show posts on YouTube about money, retirement, financial education, how to the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours. ### Engagements: [-----] [#](/creator/youtube::UCfnYo8V674faex8BMC1aKtA/interactions)  ### Mentions: [--] [#](/creator/youtube::UCfnYo8V674faex8BMC1aKtA/posts_active)  ### Followers: [-----] [#](/creator/youtube::UCfnYo8V674faex8BMC1aKtA/followers)  ### CreatorRank: [-------] [#](/creator/youtube::UCfnYo8V674faex8BMC1aKtA/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) 97.39% [events](/list/events) #472 [technology brands](/list/technology-brands) 1.31% [stocks](/list/stocks) 0.65% [automotive brands](/list/automotive-brands) 0.65% [travel destinations](/list/travel-destinations) 0.65% [celebrities](/list/celebrities) 0.65% **Social topic influence** [money](/topic/money) 51.63%, [retirement](/topic/retirement) #445, [financial education](/topic/financial-education) #134, [how to](/topic/how-to) 27.45%, [financial](/topic/financial) #1750, [education](/topic/education) #4136, [finance](/topic/finance) #1716, [debt](/topic/debt) 9.8%, [pip](/topic/pip) #127, [accounting](/topic/accounting) #1112 **Top assets mentioned** [Flex Ltd. Ordinary Shares (FLEX)](/topic/$flex) [HSBC Holdings PLC (HSBC)](/topic/$hsbc) ### Top Social Posts Top posts by engagements in the last [--] hours "Your Salary x [--] = Your Pension Target Not sure if your pension is on track There's a simple rule of thumb: aim for [--] times your final salary in your pension pot. This is based on replacing two-thirds (67%) of your pre-retirement income - the official UK government benchmark for median earners. The formula works because a [------] pot can give you around [-----] per year using the 4% withdrawal rule. Add the full State Pension (12548 for 2026/27) and you've got [-----] total income - which is 67% of a [-----] salary. Key takeaways: - Multiply your final salary by [--] for your pension pot target - 30k" [YouTube Link](https://youtube.com/watch?v=4goOrebOU1k) 2026-02-18T19:00Z [----] followers, [---] engagements "300k Pension Pot at [--] 18k Yearly for [--] Years Got [------] in your pension pot at age [--] You could withdraw [-----] every year for [--] years using a flexible withdrawal strategy according to Morningstar's [----] research. The traditional 4% rule would give you only [-----] yearly but flexible retirees willing to adjust spending during market downturns can safely take nearly 6% annually. That's an extra [----] each year186000 over [--] years. From age [--] your State Pension of [-----] kicks in boosting your total income to over [-----] yearly. The key is staying flexible and reviewing your plan annually to" [YouTube Link](https://youtube.com/watch?v=KahaS8kXczM) 2026-02-13T12:00Z [----] followers, [----] engagements "Start Investing at 25: Get 7x More by [--] What happens when you invest [----] at age [--] versus age [--] At 7% annual growth the difference is staggering. The early investor ends up with [-----] while the late starter gets just [----] - from the exact same amount of money. The reason is compound interest. When you invest early your returns earn their own returns over decades. Standard Life's [----] research found that delaying pension contributions by just [--] years in your 20s could cost you over [------] by retirement. Time is the most powerful factor in building your pension pot. Key takeaways: - [----] at" [YouTube Link](https://youtube.com/watch?v=PEDZi8dtH5s) 2026-02-17T12:00Z [----] followers, [---] engagements "Market Crash in Year [--] Your Pension Pot Could Be Ruined Sequence of returns risk is one of the biggest threats to your retirement. It's not just about how much the market goes up or down - it's WHEN those swings happen that matters most. A market crash in your first [--] years of retirement can permanently devastate your pension pot because you're forced to sell investments at depressed prices to fund withdrawals. The same crash [--] years later causes far less damage because your portfolio has already grown and you have fewer years to fund. The first 5-10 years of retirement are the most critical" [YouTube Link](https://youtube.com/watch?v=IcJsQ4bxvBg) 2026-02-16T12:00Z [----] followers, [---] engagements "Lost Pension Here's Exactly What You Need to Do You could be owed 13K Lost pension You're not alone. There's [----] billion sitting in forgotten pension pots across the UK right now and your share could be waiting. This video walks you through what we call a Pension Audit - which is just a fancy way of saying a proper search through your employment history to find every pension pot you've ever built up. Whether you've changed jobs three times or thirteen times this step-by-step guide shows you exactly how to track down your money. With over [--] years of experience advising individuals and" [YouTube Link](https://youtube.com/watch?v=mKXO84S2URU) 2026-02-12T12:45Z [----] followers, [---] engagements "Get PIP Without Diagnosis - Autism Chronic Fatigue Depression All Qualify Think you cant get PIP because your disability isnt visible Think again. This video explains exactly how to get PIP with a hidden disability from mental health conditions to long-term invisible illnesses. Whether its PIP for anxiety PIP for ADHD or PIP for fibromyalgia youll find clear answers here. Getting PIP with a hidden disability is absolutely possible. The D W P hidden disability criteria focuses on how your condition affects you not what you look like. This video breaks down what the D W P is really looking for" [YouTube Link](https://youtube.com/watch?v=A9gz_OOtMEQ) 2025-04-25T21:23Z [----] followers, [----] engagements "Standard PIP vs Enhanced PIP Weekly Rates: How [--] Points Changes Everything Are you confused about the differences between Standard PIP and Enhanced PIP In this video we break down everything you need to know to understand the big differences and help you get the support you deserve. Whether you're applying for Personal Independence Payment for the first time or just curious about how the system works we explain the key details of the PIP benefits from eligibility to the payment amounts. PIP is a lifeline for many people who have long-term health conditions or disabilities. It helps cover the" [YouTube Link](https://youtube.com/watch?v=ZK5YediWbU8) 2025-05-10T08:00Z [----] followers, [----] engagements "Thinking Of Consolidating Your Pensions Don't Miss These [--] Traps Consolidating or merging pensions sounds simple - merge four old pots into one lower your fees easier to track. But there are six hidden traps that could cost you over [------]. In this video I walk through six traps that catch people out when consolidating pensions. First I explain why consolidation looks so appealing on paper - one pot one set of fees one statement. Then I show you the six traps that wreck this plan including guaranteed annuity rates from the 1980s and 1990s that pay 9-11% when current rates are only 5-6%" [YouTube Link](https://youtube.com/watch?v=FbL6zIV-A_A) 2026-01-04T17:00Z [----] followers, [---] engagements "How To Pass The PIP Walking Test - Don't get tricked and lose [--] points Struggling to work out your walking distance for your PIP form or assessment This video will show you simple practical methods to measure how far you can walk even if it changes from day to day. Knowing your PIP walking distance is key to getting the right PIP mobility points. But if you don't explain it clearly you could end up with zero points. Thats why we explain how to use things like sofas supermarket aisles and even bus lengths to work out your walking distance for PIP. This video breaks it down in plain English so" [YouTube Link](https://youtube.com/watch?v=0ErHAqFMdgU) 2025-04-16T17:35Z [----] followers, 58.3K engagements "Can You Retire at [--] with a 200k Pension Pot - Here's how to make it work Thinking about retiring at [--] but worried [------] isn't enough You're not alone as the six-year gap before the State Pension kicks in is a common source of concern. However by looking at real spending habits rather than inflated industry benchmarks a 200k pot can effectively fund a secure early retirement especially when factored into the new [----] State Pension rates. In this video I walk you through exactly how to make [------] work at [--] breaking down the maths of the six-year bridge to your State Pension. Drawing on my" [YouTube Link](https://youtube.com/watch?v=0kKs-AJi4sI) 2026-01-11T17:00Z [----] followers, 12K engagements "The [--] Tax Trap Hitting 4.1M Pensioners Over [--] million pensioners in the UK are feeling the squeeze. According to Age UK's [----] research one in three pensioners report feeling less financially secure than they did a year ago. The culprits Frozen tax allowances and rising costs that are hitting retirement incomes hard. The personal allowance has been frozen at [-----] since [----] while energy prices have jumped 50% since [----]. This creates "fiscal drag" - where your income rises with inflation but your tax bill rises even faster because the tax thresholds don't move. With the State Pension paying" [YouTube Link](https://youtube.com/watch?v=2KuAV51H1fE) 2026-02-05T20:00Z [----] followers, [---] engagements "5 Ways to Get Your Full PIP Assessment Points - (PIP Assessors score you down with these answers) PIP assessments decide whether you get Personal Independence Payment and at what rate. Most people don't realise that five simple mistakes during the assessment can cost them the points they need. I'm going to show you exactly how to prepare so you present your case properly. These tips come from helping thousands of people through the assessment process. In this video I break down the five biggest mistakes people make at PIP assessments. You'll learn why talking about your best days hurts your" [YouTube Link](https://youtube.com/watch?v=2b0kKn2l1tc) 2025-10-15T11:00Z [----] followers, 20.9K engagements "Tax-Free Cash: The 30-Year Growth Mistake Thinking about taking your 25% tax-free cash from your pension Before you do understand the long-term cost. If you don't need the money right now leaving it invested could transform your retirement. Take [------] at age [--] and spend it: you'll have nothing at age [--]. Leave it invested at 6% growth: it becomes [------]. That's the power of tax-free compound growth inside your pension - doubling every [--] years. Key takeaways: - Tax-free cash grows tax-free if left in your pension - At 6% growth your money doubles every [--] years - [------] becomes [------] over" [YouTube Link](https://youtube.com/watch?v=5PFZVpvC8tM) 2026-02-15T12:00Z [----] followers, [---] engagements "Stock Market Crash History Says Do Nothing Worried about your pension pot after a market crash History shows that every major stock market crash has eventually recoveredsome quickly others slowly but all of them bounced back. From the [----] Great Depression crash that took [--] years to recover to the [----] COVID crash that bounced back in just [--] months the pattern is consistent: crashes are temporary. Selling during a crash locks in your losses permanently while staying invested lets you ride out the storm and participate in the recovery. The hard part isn't strategyit's psychology. Can you" [YouTube Link](https://youtube.com/watch?v=5pDUtu6Hm9U) 2026-02-06T20:00Z [----] followers, [---] engagements "Spending All Your Pension Pot - Embracing The Die With [--] Philosophy Should you spend all your retirement savings or die with a fortune you never enjoyed This video explains the "Die With Zero" philosophy and whether it applies to your situation. Many retirees saved diligently for decades but feel terrified to spend. Research shows most people still have 80% of their savings after nearly [--] years in retirement. That's not careful planning - that's fear stopping you from living. I'll explain when spending more freely makes sense when it's genuinely dangerous and how to find the middle ground" [YouTube Link](https://youtube.com/watch?v=8Qob2zVlIDw) 2026-01-29T13:48Z [----] followers, [----] engagements "100k Pension: How Much Can You Take Yearly How much can you safely withdraw from a [------] pension pot at age [--] The answer depends entirely on how long you need it to last. If you're planning for [--] years you might take [----] annually. But for [--] years you need to drop to [----] to stay safe. Most people underestimate how long they'll live in retirement. Men at [--] typically live another [--] years women another [--] years. Many will reach [--] years or more which means planning for only [--] years is risky. The key is combining your pension withdrawals with the State Pension (12548 per year in 2026/27)" [YouTube Link](https://youtube.com/watch?v=92Q_sM1RM2E) 2026-02-07T14:00Z [----] followers, [---] engagements "Starting Your Pension at [--] vs 35: The 200k Difference Think [--] years doesn't make much difference when it comes to pension savings Think again. Starting at age [--] versus age [--] with the same [---] monthly contribution can mean a [------] difference by the time you're [--]. This is the power of compound interest. Every year your pension pot grows future growth builds on a bigger base. Those extra [--] years of compound growth are worth hundreds of thousands of pounds by retirement age. The good news You don't need to save [---] a month to benefit from this. Even [--] or [---] monthly contributions started" [YouTube Link](https://youtube.com/watch?v=9AqVhlsIX6c) 2026-02-06T12:00Z [----] followers, [---] engagements "3 in [--] Pensioners in Cold Homes Over Debt Age UK's [----] research revealed a heartbreaking reality: three in five pensioners cutting back on heating would rather turn off their heating completely than risk falling into debt. With [---] million pensioners feeling less financially secure and energy bills continuing to rise many are facing impossible choices this winter. But there is help available. Pension Credit guarantees a minimum income of [---] per week (12376 yearly) for single pensioners from April [----] and it unlocks access to the Winter Fuel Payment worth 200-300. Even a small Pension" [YouTube Link](https://youtube.com/watch?v=9d6lSsqhfEg) 2026-01-31T19:50Z [----] followers, [----] engagements "In Your 60s Market Crash Can Cut Pot by 30% Starting pension drawdown in your 60s The timing of market returns can make or break your retirement. Sequence of returns risk means a market crash in your first two years of retirement can permanently reduce your pension pot by 30% or more - even if long-term average returns look fine on paper. When you're taking regular income and markets fall you're forced to sell more shares at depressed prices. This leaves fewer shares to benefit from the recovery causing lasting damage to your pot. Research shows the first five years are the "danger zone." Key" [YouTube Link](https://youtube.com/watch?v=BX5F-vw1HTQ) 2026-02-09T19:45Z [----] followers, [---] engagements "Index Funds Beat 90% of Active Managers Most investors don't realise what happens to actively managed funds over the long term. The truth is stark: according to S&P's [----] SPIVA research over 90% of active fund managers underperform their benchmark index over [--] years. The reasons are simple but powerful. Active funds charge around 0.75% in annual fees while index trackers charge just 0.1%. Over [--] years that fee difference compounds dramatically. More importantly very few fund managers can consistently pick winning stocks that beat the market average. Here's what matters for your retirement" [YouTube Link](https://youtube.com/watch?v=CWJsShVP4Mk) 2026-02-08T12:00Z [----] followers, [---] engagements "5 Ways To Pay No Tax on Your Pension - Legal Strategies That Work Deciding how much to withdraw from your pensionand whencould be the difference between paying thousands in tax or paying nothing at all. Most people don't realise they're handing over money to HMRC that they never needed to pay. In this video I walk you through [--] completely legal strategies to pay zero tax on your pension withdrawals ensuring you keep more of your hard-earned savings for your retirement. With over [--] years of experience working with individuals and large organisations (including PwC EY and KPMG) I have seen how" [YouTube Link](https://youtube.com/watch?v=Fox1m_iVWdc) 2026-01-22T12:00Z [----] followers, [----] engagements "500k Pension You're Not as Rich as You Think Think a [------] pension pot means a wealthy retirement The numbers tell a different story. Using the 4% withdrawal rule that 500k gives you [-----] a year. Add the full State Pension at [-----] and you're looking at around [-----] total income. According to the PLSA's Retirement Living Standards a comfortable retirement for one person requires [-----] after tax. That means 500k puts you in the moderate category not comfortable. It's solid but it's not rich. Key takeaways: - 500k at 4% withdrawal = [-----] yearly income - Add State Pension = [-----] total - PLSA" [YouTube Link](https://youtube.com/watch?v=LShFR3sEY3A) 2026-02-03T19:45Z [----] followers, [---] engagements "42% of Renters 65-74 Are in Poverty Today Private renting in your 60s and 70s is becoming a poverty trap. Right now 42% of private renters aged 65-74 are in poverty and by [----] that could affect [---] million pensioner households. The full State Pension pays [-----] a year but average rents consume 35% of that income leaving barely enough for essentials. Unlike homeowners private renters have no way to build equity and are stuck paying rent from fixed incomes that can't keep up with rising housing costs. Key facts: - 42% of private renters aged 65-74 currently live in poverty - [---] million" [YouTube Link](https://youtube.com/watch?v=LmdFE0P0zHU) 2026-01-31T12:00Z [----] followers, [---] engagements "Dont Opt Out of Your Workplace Pension. Lose 480k by Retirement Thinking about opting out of your workplace pension in your 40s to free up some cash That decision could cost you [------] by the time you retire. The compound effect of losing employer contributions tax relief and investment growth over 20-25 years is enormous. When you opt out you lose your employer's 3% minimum contribution the government's tax relief of at least 20% and decades of compound growth. Even modest monthly contributions of [---] (including employer match) can grow to over [------] by retirement with typical 5% growth." [YouTube Link](https://youtube.com/watch?v=NRmtjZrgMHU) 2026-01-28T19:00Z [----] followers, [---] engagements "Pension Fees Could Add [--] Years to Your Work Life Most people have no idea what they're paying in pension fees - and that ignorance can cost you [--] extra years of work. Research from Profile Financial found that high pension charges dramatically extend how long you need to work to reach your retirement goal. New workplace pensions are capped at 0.75% by law but older pensions from before [----] often charge 1.5% to 2% or more. According to Profile Pensions half of the older pensions they review have total charges over 1%. Key takeaways: - Modern workplace pensions are capped at 0.75% maximum -" [YouTube Link](https://youtube.com/watch?v=OWsy8bexnZ8) 2026-01-27T20:03Z [----] followers, [---] engagements "Parents gifting homes: The 70k mistake Many parents gift their home to children thinking they'll avoid inheritance tax if they survive [--] years. But continuing to live in the property rent-free triggers Gift with Reservation of Benefit rules keeping the home in your estate regardless of time passed. This means your family could face a 40% inheritance tax bill on the value above [------]. For a [------] home that's [-----] your children shouldn't have to pay. The trap catches most people because they don't realise simply transferring ownership isn't enough. You can watch more about the risks of" [YouTube Link](https://youtube.com/watch?v=SkoeWHnYgaU) 2026-01-26T20:00Z [----] followers, [----] engagements "Beware Of Giving Your House To Your Kids [--] Fatal Risks You Need To Watch Out For You've been told to gift your house to your children to protect it from care home fees. But what nobody mentions is that this strategy could destroy your children financially and leave you with nothing. This video walks you through exactly what happens when the council investigates property gifting under the Care Act [----]. We cover the little-known Section [--] liability that makes your children personally responsible for unpaid care charges the enforcement process councils use to recover money and the catastrophic" [YouTube Link](https://youtube.com/watch?v=SsFfv98fg6s) 2026-01-18T17:00Z [----] followers, [---] engagements "Universal Credit Changes 2026: Who Wins [---] and Who Loses [----] a Year [--] million households face major Universal Credit changes from April [----]. Some will gain [---] a year - others will lose [----]. Here's exactly who wins and who loses. Most people just "check their Universal Credit payment." But today I'm going to show you how to perform what the DWP calls an LCW Assessment - that's Limited Capability for Work - which is just a way of asking: "Do I qualify for the health element and should I claim it before the April [----] deadline" From my time advising large organisations I've seen how what" [YouTube Link](https://youtube.com/watch?v=TlTe2rBSeqs) 2025-10-26T19:00Z [----] followers, 75.9K engagements "4% Withdrawal Rule Updated to 3.9% The famous 4% retirement withdrawal rule has been updated. Morningstar's [----] research recommends a 3.9% safe withdrawal rate for retirees seeking consistent inflation-adjusted spending over a 30-year retirement. While 0.1% might seem small it adds up. On a [------] pension pot you're looking at [---] less per year - [-----] instead of [-----]. The change reflects forward-looking return expectations and longer retirement horizons. Key takeaways: - The traditional 4% rule is now 3.9% based on current market conditions - This rate assumes a 90% probability your money" [YouTube Link](https://youtube.com/watch?v=ToSeNnV5zdo) 2026-02-12T12:00Z [----] followers, [---] engagements "You Will Have Two Retirements - Healthy & Unhealthy Be prepared Your two retirements explained - why you need completely different plans for your healthy years and your later years in retirement. Most people plan retirement as if it's one long phase with steady spending. The ONS data tells a different story. At age [--] you have roughly [--] years of healthy life expectancy - what we call Strategic Phase Planning which is just a fancy way of saying you need to treat your go-go years and your slow-go years as two separate retirements with different spending strategies. With over [--] years of" [YouTube Link](https://youtube.com/watch?v=TynfWE1NLV8) 2026-02-08T15:00Z [----] followers, [---] engagements "Will The State Pension Exist In The Future - What They're Not Telling You Will the State Pension still be there when you retire Here's what's really happening and what you need to do now. You're paying National Insurance every month hearing about the triple lock being unsustainable and pension ages rising to [--] or beyond. So you're rightly asking: are you paying into a system that won't exist when you finally retire Today I'm going to show you how to perform what we call a Strategic Audit of the system's sustainability - which is just a way of asking: "Is the State Pension safe and what does" [YouTube Link](https://youtube.com/watch?v=VYqXeaADkZ8) 2026-01-15T17:00Z [----] followers, [---] engagements "Your Pension at [--] [--] 60: Are You on Track How does your pension pot compare to others your age The latest ONS data reveals the median pension wealth at [--] [--] and [--] and it's probably less than you'd expect. At [--] the typical pension pot is around [-----]. By [--] it's [-----]. And at [--] it reaches about [------]. But here's the problem: according to the PLSA's [----] Retirement Living Standards a single person needs at least [------] for a moderate retirement lifestyle. That's more than double what the average 60-year-old has saved. Key takeaways: - Median pension at 40: [-----] - Median pension at 50:" [YouTube Link](https://youtube.com/watch?v=WCENS6VVGeQ) 2026-02-02T19:45Z [----] followers, [---] engagements "Pensioner Poverty: Turn Off Heat or Go Broke Age UK research reveals a shocking reality: [--] in [--] pensioners say they'd turn off their heating completely rather than fall into debt. This reflects the scale of pensioner poverty and fuel poverty facing millions this winter. But help is available. The Warm Home Discount provides [---] off electricity bills for those on Pension Credit. Cold Weather Payments give [--] for every week of freezing temperatures. And Pension Credit itself tops up weekly income to [---] for single pensioners - worth [----] yearly on average. Key takeaways: - Warm Home Discount:" [YouTube Link](https://youtube.com/watch?v=WWecRiKmjTE) 2026-02-14T19:30Z [----] followers, [---] engagements "Why Your 60s 70s & 80s Need Different Spending Your retirement spending doesn't stay flat for [--] years. Research shows it follows three distinct phases: the go-go years in your 60s when you're active and spending more the slow-go years in your 70s when spending drops as you slow down and the no-go years in your 80s+ when healthcare rises but overall spending stays lower. According to David Blanchett's research this "retirement spending smile" means your pension withdrawals should adjust with each phase. You can safely take more from your pension in your 60s when you'll actually use it reduce" [YouTube Link](https://youtube.com/watch?v=ZZFSKFr5TBM) 2026-01-29T18:19Z [----] followers, [---] engagements "How To Answer Your PIP Questions To Win - One PIP Answer Loses You Most Points Theres one question on the PIP form that causes more problems than any other. Most people get it wrong and its costing them money. This video breaks it all down and explains the easiest way to answer the preparing food PIP question properly. If you're confused or worried about how to fill in your PIP form this will help you get it right the first time. The PIP form help you need is right here. Well explain how the D W P actually looks at your answers and what theyre really checking for when they ask about cooking." [YouTube Link](https://youtube.com/watch?v=_UtscXHtVYA) 2025-04-27T08:00Z [----] followers, [----] engagements "Higher Rate Taxpayer Pension Beats ISA by 4k Earning over [-----] You're a higher rate taxpayer and that changes everything about where you should put your money. Pension contributions give you 40% tax relief meaning [-----] invested only costs you [----] out of pocket. Put that same [----] into an ISA and it stays [----]. Your pension starts 67% ahead before a single penny grows. Even when you factor in tax on withdrawals pensions still come out thousands ahead for higher earners. Key takeaways: - Higher rate taxpayers get 40% tax relief on pension contributions - [-----] pension contribution costs just" [YouTube Link](https://youtube.com/watch?v=dEwRwfMXl3A) 2026-02-05T12:01Z [----] followers, [---] engagements "Active vs Passive Pension Investment Funds: The Mistake That Drains Your Pot Active or passive pension funds - which one is quietly draining your pot Here's the evidence that might surprise you. Most people have no idea how their workplace pension is actually invested. But today I'm going to show you how to perform what we call a Portfolio Efficiency Audit - which is just a fancy way of checking whether you're paying too much for too little performance. From my time advising employers on their pension schemes I've seen how what the industry calls Active Management Drag - basically the hidden" [YouTube Link](https://youtube.com/watch?v=fM58gCjNU1w) 2026-01-13T17:01Z [----] followers, [---] engagements "31 Billion in Lost Pensions - Is Some Yours Millions of UK workers have lost track of their old pension pots. With [---] million lost pensions worth [----] on average there's [--] billion sitting unclaimed across the country. If you've changed jobs multiple times you could have money you've forgotten about. The good news is finding your lost pensions is straightforward. The government's free Pension Tracing Service searches over [------] pension schemes to reconnect you with your old pots. All you need is your previous employer names. Key takeaways: - [---] million lost pension pots exist in the UK -" [YouTube Link](https://youtube.com/watch?v=fv2mg_iRy1I) 2026-02-11T12:01Z [----] followers, [---] engagements "In Your 50s Avoid This 50k Pension Trap Thinking about accessing your pension in your 50s Be careful. There's a rule called the MPAA (Money Purchase Annual Allowance) that slashes your pension contribution limit from [-----] down to just [-----] - and it lasts for life. The MPAA triggers when you take taxable income from your pension before State Pension age. Most people don't know about this until it's too late. The good news Taking your 25% tax-free cash doesn't trigger it. But any other taxable withdrawal does - and once triggered you're stuck at [-----] forever. Subscribe for more retirement" [YouTube Link](https://youtube.com/watch?v=ghueSO2iL4I) 2026-01-26T12:13Z [----] followers, [----] engagements "50k in Premium Bonds: What You'll Really Win Got [-----] in Premium Bonds The prize fund rate is 3.6% but that's the average - not what you'll actually win. The median return is just 3.3% (1650 yearly) and half of all holders win less than that. Real data from [----] shows massive variation. One holder with the maximum [-----] won just [----] (a 2.2% return) while another won [----] (3.85%). The difference Pure luck. Premium Bonds work like a lottery - some win big most win small and the advertised rate is misleading. - Prize fund rate: 3.6% (mean average) - Median return for 50k: 1650/year (3.3%) -" [YouTube Link](https://youtube.com/watch?v=hZLH417_b6U) 2026-02-09T12:01Z [----] followers, [---] engagements "ISA vs Pension: Which to Fill First Should you max out your ISA or pension first The answer depends on [--] key factors: employer matching your tax rate when you need access and how much you have to invest. This video gives you a simple decision framework that works for most people. Get your employer match first - that's free money. Then consider whether pension tax relief at 20% 40% or 45% beats ISA flexibility. Key takeaways: - Always get your full employer pension match before anything else - Higher rate taxpayers usually benefit more from pensions due to 40% tax relief - ISAs win if you need" [YouTube Link](https://youtube.com/watch?v=iMG7CmvxxFU) 2026-02-04T12:01Z [----] followers, [---] engagements "The Pension Investment Mistake In Your 50's That Leaves You With No Money by [--] How to invest your pension in your 50s - the default fund trap explained and how automatic de-risking could be silently costing you thousands. Most people in their 50s have no idea their workplace pension is being quietly moved into lower-risk investments right now. This process is called lifestyling - what we call a Strategic De-Risking Assessment - which is just a fancy way of saying your money is being automatically shifted from growth assets into bonds and cash without you doing anything. Research published in" [YouTube Link](https://youtube.com/watch?v=j7a6vK8zFxo) 2026-02-10T17:01Z [----] followers, [---] engagements "Pension Annuity or Drawdown Why Choosing One Is Wrong Should you choose an annuity for security or drawdown for flexibility Most people think it's one or the otherbut there's a smarter approach that gives you both. In this video I walk you through the blended pension strategy where you split your pot between guaranteed income and flexible investments. We also cover a critical update: from April [----] unused drawdown pots will be included in your estate for inheritance tax purposes. Joint-life annuity income is exempt from these new rules making the blended approach even more relevant for tax" [YouTube Link](https://youtube.com/watch?v=kzIkn8NIHyo) 2026-01-20T17:01Z [----] followers, [----] engagements "In Your 70s Save 100k IHT With This Rule If you're in your 70s strategic gifting could save your family [------] in inheritance tax. Most people don't realise they have two powerful tools: the [----] annual gift exemption and the 7-year rule for larger gifts. Inheritance tax is charged at 40% on estates over [------]. For example a [------] estate would face a [------] tax bill. But if you gift [------] now and survive seven years that money becomes completely IHT-free - saving your family the full [------]. In your 70s you still have time for the 7-year rule to work in your favour. Key points: - Annual" [YouTube Link](https://youtube.com/watch?v=o2jU5PZ6wbA) 2026-01-30T20:00Z [----] followers, [---] engagements "Stop Paying Financial Advisors for Retirement Advice Use The Free Options Instead - Save Thousands Only 30% of people take regulated financial advice at retirement - but does that mean the other 70% are making a mistake In this video I explain why you might not need to pay for a financial advisor the free options available to you and how to know whether your situation is simple or complex. This is what I call a Retirement Complexity Assessment - which is just a fancy way of saying working out whether your pension situation needs professional help or whether you can handle it yourself with the" [YouTube Link](https://youtube.com/watch?v=pKnY-DCyM_k) 2026-02-01T15:01Z [----] followers, [----] engagements "Premium Bonds Beat Savings for Higher Earners ( Choosing between Premium Bonds at 3.6% or a savings account at 4.5% The answer depends entirely on your tax bracket and personal savings allowance. Basic-rate taxpayers can earn [----] in interest tax-free. Above that they pay 20% tax which drops a 4.5% savings rate to 3.6% - the same as Premium Bonds. But higher-rate taxpayers only get [---] tax-free then pay 40% tax. That 4.5% rate becomes just 2.7% after tax making Premium Bonds' tax-free 3.6% the clear winner. Key points: - Premium Bonds: 3.6% prize fund rate completely tax-free - Top savings" [YouTube Link](https://youtube.com/watch?v=qMqtdRo-IeI) 2026-02-10T12:01Z [----] followers, [---] engagements "High Pension Fees Cost You Years of Work Most people don't realise their pension fees are quietly stealing years from their retirement. The government set a 0.75% charge cap on auto-enrolment pensions for a reason - fees above this level can devastate your final pot. Vanguard's [----] analysis revealed the shocking truth. Someone contributing [---] monthly from age [--] to [--] would retire with [------] at 0.5% fees. But increase fees to just 1.5% and that same person gets only [------]. That's [------] less - enough to require working several additional years just to catch up. Key takeaways: -" [YouTube Link](https://youtube.com/watch?v=sDnpZcAVIz4) 2026-02-11T19:45Z [----] followers, [---] engagements "Most UK Workers Retire Well Before [--] Here's Why At what age do people actually retire in the UK If you said [--] you're technically rightbut you're also completely wrong. The State Pension age might be [--] but the data shows something very different is happening in practice. a In this video I break down what we call the decumulation phasewhich is just a fancy way of saying when people actually stop working and start drawing their pensions. The gap between the official State Pension age and real retirement ages is widening and it's driven by factors most people don't consider. With over [--] years" [YouTube Link](https://youtube.com/watch?v=tr3bTEPg1dQ) 2026-01-27T17:01Z [----] followers, [----] engagements "Double Your Money: The Rule of [--] Want to know how fast your pension or savings could double The Rule of [--] is a simple mental maths trick that gives you the answer in seconds. Just divide [--] by your annual growth rate and you'll know how many years it takes for your money to double. At 6% growth your money doubles every [--] years. At 8% every [--] years. The real power comes from repeated doubling [-----] becomes [------] then [------] without adding a penny. That's compound interest in action. - Divide [--] by your growth rate to find your doubling time - At 6% growth money doubles every [--] years - At" [YouTube Link](https://youtube.com/watch?v=u8STC3b5kBQ) 2026-02-16T19:45Z [----] followers, [---] engagements "500k Pension Pot at [--] Why Half Could Vanish Before State Pension [--] Phases Retiring at [--] with [------] can your pension pot actually last from [--] to [--] Here's the 3-phase withdrawal strategy that could make it work. Most people assume half a million pounds is more than enough to retire on. But retiring at [--] means funding a 7-year gap before State Pension kicks in at [--] and that gap alone could cost you [------]. In this video I perform a full strategic audit of a [------] pension pot showing you exactly how withdrawals could work across the go-go slow-go and no-go phases of retirement the tax" [YouTube Link](https://youtube.com/watch?v=vTCYAe-ggPE) 2026-02-15T19:00Z [----] followers, [----] engagements "People Are Rethinking Their Retirement Strategy in [----] [--] Traps To Watch Pension strategy rethinking [--] forces that have changed the rules and what to do about them. FCA data shows [----] billion was pulled from pensions in a single year with 45% of people making major withdrawal decisions without financial advice. The inheritance tax changes from April [----] frozen Personal Allowances squeezing pensioners through fiscal drag the breakdown of the traditional 60/40 portfolio and unsustainable withdrawal rates are all converging at the same time. This video breaks down exactly what has changed why" [YouTube Link](https://youtube.com/watch?v=w9H1qzKYq8I) 2026-02-17T19:00Z [----] followers, [----] engagements "2027 IHT Shock: Pensions Lose Tax Shelter A major tax change is coming in April [----] that will affect millions of people with pension savings. For the first time unused pension pots will be included in your estate for inheritance tax purposes meaning they could be taxed at 40%. Currently pensions sit outside your estate and have been a tax-efficient way to pass wealth to your family. But from [--] April [----] they'll be treated like any other asset. If your estate exceeds [------] (or [--] million for couples) you'll pay 40% IHT. Worse still if you die over [--] beneficiaries could face both inheritance" [YouTube Link](https://youtube.com/watch?v=wGb03CpJhW8) 2026-02-04T20:02Z [----] followers, [----] engagements "Dont Get Scammed Out Of Your Pension - Watch out For These Tricks and Words Saq Hussain UK Pensions Retirement Planning UK Pension Pot Financial Education Retirement Income UK Finance National Living Pension How to retire early UK Pension advice UK pension scam warning words UK how to spot pension fraud free pension review scam pension liberation fraud explained verify pension adviser FCA overseas pension transfer scam pension scam protection checklist is my pension adviser legitimate how scammers steal pensions Saq Hussain UK Pensions Retirement Planning UK Pension Pot Financial Education" [YouTube Link](https://youtube.com/watch?v=xiV79V0S9mY) 2026-02-03T17:01Z [----] followers, [---] engagements "In Your 60s Working State Pension Tax Trap If you're in your 60s and still working claiming your State Pension could push you into the higher tax band. This means paying 40% tax instead of 20% on part of your income - potentially costing you hundreds of pounds a year. For example if you earn [-----] and claim the full State Pension (12548 in 2026/27) your total income becomes [-----]. That pushes [----] over the [-----] higher rate threshold costing you an extra [---] in tax. Key takeaways: - State Pension is taxable income and counts towards your total - Higher rate tax kicks in at [-----] total income" [YouTube Link](https://youtube.com/watch?v=xrZpDMBI8Ps) 2026-02-13T19:45Z [----] followers, [---] engagements "Why Most Mental Health PIP Claims Fail Struggling to get PIP for mental health This video gives you real experience-based advice on how to improve your chances of a successful PIP claim when you dont have a physical disability only mental health challenges. Thousands of people are rejected each year because their forms dont show how their mental health affects daily life. But with the right approach you can absolutely get the support you need. In this video we break down each part of the PIP form and explain how conditions like anxiety depression PTSD or OCD can affect everyday tasks. We go" [YouTube Link](https://youtube.com/watch?v=MFNMApCW_5I) 2025-04-17T16:10Z [----] followers, [---] engagements "Renting Vs Buying What's Better For You Are you stuck wondering whether Renting vs Buying: Whats Better for You In this video well break down everything you need to know to make an informed decision. Whether you're thinking of buying your first home or just trying to figure out if renting makes more sense well look at the pros and cons of both options. You'll find out how renting offers flexibility while buying a home gives you stability and potential for investment. Understanding the costs the financial impact and your lifestyle preferences will help you choose the right path. The choice" [YouTube Link](https://youtube.com/watch?v=Md8_SAHqraQ) 2025-05-27T08:00Z [----] followers, [--] engagements "Debt Types You Must Know Before Borrowing Do you know the difference between the various types of debt This video explains the most common types of debt that people deal with and helps you understand how each one works so you can manage your money better and avoid costly mistakes. We start by looking at secured vs unsecured debt. A secured debt is backed by something valuable like a house or a car and if you can't pay it back you might lose that item. Unsecured debts like credit cards and personal loans dont require assets but often come with high interest rates. Next we explain the" [YouTube Link](https://youtube.com/watch?v=MjL8G8UUStQ) 2025-05-04T15:00Z [----] followers, [--] engagements "Never Keep All Your Money in One Bank (Here's Why) You'll protect yourself from losing [-----] or more by understanding how UK banks really work with FSCS protection. By the end of this video you'll know exactly why having multiple bank accounts isn't paranoid - it's smart money management. I reveal which UK banking brands secretly share licences - where you think your money's protected twice but it isn't. HSBC and HSBC First Direct share the same licence meaning your [-----] deposit protection covers both combined not separately. The same goes for Lloyd's Halifax and Bank of Scotland. You'll" [YouTube Link](https://youtube.com/watch?v=NI3EKhIFMt0) 2025-09-19T18:00Z [----] followers, [--] engagements "The Emergency Fund Formula That Actually Works How much do you really need in your emergency fund This video answers that question clearly by breaking down the key factors that affect your savings target and giving you simple ways to set the right goal. Well begin by looking at the factors that affect your savings target. Your monthly expenses job security and whether you have dependants all play a role. Many experts recommend saving enough to cover three to six months of essential costs just in case you lose your income or face a major bill. Next we explain how to use a percentage of your" [YouTube Link](https://youtube.com/watch?v=NPtSPUqr7cg) 2025-05-03T18:00Z [----] followers, [--] engagements "My Nightmare PIP Interview Experience Facing a PIP assessment can be scary especially after hearing nightmare stories like the one shared in this video. If you are worried about a PIP interview wondering what really happens or want to know the tricks that sometimes get used youll find real help here. Learn what to expect what unfair tactics might appear and how to protect yourself. Thousands of people go through a PIP assessment each year. Many are treated fairly but sadly too many have a PIP experience that feels rushed unfair or just wrong. This video shows the reality of a difficult" [YouTube Link](https://youtube.com/watch?v=OFj3jGa5HZg) 2025-04-29T09:00Z [----] followers, [---] engagements "Avoid These PIP Mistakes Or Youll Be Refused If your PIP application has been refused and you dont understand why this video will help you get some real answers. Youll find out the real reason your PIP claim got rejected and what you can do differently next time to improve your chances. From the wording on your forms to how you answer questions in your assessment every detail matters. And in this video youll see exactly what those details are. Thousands of claims are refused every year not because people arent struggling but because their forms dont match the PIP points system used by the D W" [YouTube Link](https://youtube.com/watch?v=OnQYinPF79Y) 2025-04-24T07:34Z [----] followers, [--] engagements "Is it possible to retire on 25K in the UK Worried that [-----] isn't enough for retirement Think again Thousands of UK retirees are proving every single day that you can live comfortably on this amount - and I'm about to show you exactly how they're doing it. This isn't about scraping by or cutting out everything you love it's about smart retirement planning that actually works. Here's what'll blow your mind - nearly 40% of UK pensioners are already managing on less than 25K per year and many are genuinely happy with their retirement lifestyle. The trick isn't having a massive pension pot it's" [YouTube Link](https://youtube.com/watch?v=Owk1qWGGdUA) 2025-07-18T10:30Z [----] followers, [--] engagements "Could AI soon create the first one-person billion-dollar company Could AI soon create the first one-person billion-dollar company Discover how AI is reshaping business and teamwork as we know it. #ArtificialIntelligence #AIRevolution #FutureOfWork #TechInnovation #ChatGPT #shorts" [YouTube Link](https://youtube.com/watch?v=P-Tyfc9Foq8) 2025-05-19T19:02Z [----] followers, [---] engagements "How To Insure Your Home A Quick Guide Are you wondering how to insure your home In this quick guide well show you exactly how to secure your property with the right insurance coverage. Well cover everything from the types of home insurance policies to how much coverage you need and tips for choosing the best insurance provider. Protecting your home is one of the most important decisions you can make dont leave it to chance Home insurance is essential for anyone who owns a property. Whether you're a first-time buyer or a long-time homeowner understanding what type of coverage you need and how" [YouTube Link](https://youtube.com/watch?v=PYEUhXMaQ_U) 2025-05-28T08:00Z [----] followers, [--] engagements "Pay Mortgage or Invest: Here is What You Need To Do Making the right choice between mortgage overpayment and investing isn't just about comparing returns - it's about making the tax system work in your favour. With mortgage rates sitting around 5% and the ISA allowance at [-----] the decision becomes much more nuanced when you factor in tax relief. This video breaks down the tax efficient investing strategies that most people completely miss. If you're a higher rate taxpayer earning over [-----] you could be missing out on thousands in pension tax relief - getting 40% back on every contribution" [YouTube Link](https://youtube.com/watch?v=Pfi8LdY_mzI) 2025-09-24T11:00Z [----] followers, [---] engagements "Is immigration making you poorer How is immigration reshaping the UK economy Discover why this unexpected factor is becoming a major driver of change. Are we ready for it #ImmigrationImpact #UKEconomy #EconomicTrends #PopulationGrowth #GarysEconomics" [YouTube Link](https://youtube.com/watch?v=PiIX0-ZN9kc) 2025-05-03T13:40Z [----] followers, [----] engagements "Tips on how to afford to retire early Think early retirement is just a pipe dream Think again This essential retirement planning guide reveals six game-changing strategies that can help you escape the 9-to-5 grind years before your peers. Whether you're [--] or [--] these proven financial independence techniques can dramatically accelerate your journey to freedom. Learn exactly how ordinary British workers are achieving early retirement without sacrificing their quality of life. The foundation of any successful retirement planning strategy starts with your workplace pension - but most people are" [YouTube Link](https://youtube.com/watch?v=R-vxV2XwIds) 2025-07-15T08:26Z [----] followers, [---] engagements "How To Manage The Stress Of Claiming PIP Feeling stressed about claiming Personal Independence Payment This video will show you exactly how to manage the stress of claiming PIP with simple practical tips you can use today. Claiming PIP can feel heavy and confusing but we explain how to stay calm organised and confident through the whole process. Whether you are new to it or have tried before there is advice here for you. Dealing with PIP stress can make everything seem ten times harder. From filling out forms to preparing for assessments it is normal to feel overwhelmed. That is why we cover" [YouTube Link](https://youtube.com/watch?v=RpU8CEWjLew) 2025-05-06T09:00Z [----] followers, [--] engagements "My Health Got Worse Heres What PIP Did If you have been wondering what happens if your health gets worse while you are on PIP then this video is for you. We break down what to do when your condition changes how to report it and what support you could get. From explaining the PIP changes to showing what the DWP health change process looks like everything is covered here. In this video we talk about how reporting a worsening condition could lead to a PIP higher award. You could move from a standard to an enhanced rate for daily living PIP or mobility PIP. We also cover what happens when you" [YouTube Link](https://youtube.com/watch?v=SKBSDQ38oIM) 2025-05-06T08:00Z [----] followers, [--] engagements "The one secret to make you more money Struggling with money in a cost of living crisis Discover why investing in yourself and building assets is the key to financial freedom. Ready to earn more #FinancialFreedom #InvestInYourself #MoneyTips #CostOfLivingCrisis #BuildAssets" [YouTube Link](https://youtube.com/watch?v=SgFd1HR-sdQ) 2025-04-21T11:38Z [----] followers, [----] engagements "This Type of Debt Could Ruin Someones Life This video reveals the one type of debt that ruins more lives than any other. If youve ever thought about using payday loans or have been tempted by buy now pay later deals you need to watch this before making any decisions. The risks are real and well show you just how dangerous these types of borrowing can be. From high interest debt to unaffordable credit were laying it all bare so you can stay safe and protect your finances. Across the UK millions of people are stuck in debt they cant afford to pay back. It often starts small [---] here [---] there" [YouTube Link](https://youtube.com/watch?v=T9hgouTNXwc) 2025-05-11T08:00Z [----] followers, [--] engagements "How to beat an AI checker and make your writing sound human AI tools like ChatGPT are great for speed but if you're publishing content online there's a catch. Most AI checkers can now spot text thats been written by artificial intelligence and that could hurt your rankings reduce trust or even get your content rejected. In this video I show you exactly how to beat the big-name AI writers like ChatGPT Claude and Gemini. Youll learn how to edit AI-generated articles so they sound like they were written by a real person not a robot. This means your content is more likely to pass AI detectors" [YouTube Link](https://youtube.com/watch?v=TsN_6O-tWvI) 2025-05-08T21:01Z [----] followers, [--] engagements "The Real Reason You Lost Your PIP Claim in [----] Description for Youtube Too many people lose out on Personal Independence Payment simply because of how they describe their condition on the form or in the assessment. In this video youll learn exactly what words to avoid and how to explain your struggles clearly safely and truthfully. Whether you're dealing with severe arthritis mobility issues or chronic fatigue the way you phrase things can either win or lose your case. If youve ever said sometimes I can or yes but it hurts you might be losing out on essential points. This video explains why" [YouTube Link](https://youtube.com/watch?v=U6zPvNl0te4) 2025-04-17T14:45Z [---] followers, [--] engagements "5 easy ways to make extra money You're leaving money on the table every single day. In this video I'm sharing [--] practical ways to make extra money that anyone can start right now PLUS a bonus tip at the end that turns your hobby into profit. We'll cover selling items you don't use freelancing your skills online renting out your assets using cashback apps and surveys effectively and flexible delivery or driving gigs. The bonus tip shows you how to build a side hustle around something you actually enjoy doing. Whether you need a few extra hundred pounds a month or want to build a serious side" [YouTube Link](https://youtube.com/watch?v=UKZj9KNVIUc) 2025-10-16T20:00Z [----] followers, [--] engagements "Surprising Truth About Working While on PIP Can you work and still get PIP Yes and this video explains exactly how. Many people think starting work will stop them getting Personal Independence Payment but thats simply not true. In fact PIP and work can go hand-in-hand as long as you understand what the D W P is actually looking for. This video will show you how to make sure your claim reflects your needs properly even if youve got a job. PIP is not based on income. Its based on how your health condition or disability affects your everyday life. Whether youre working full-time part-time or" [YouTube Link](https://youtube.com/watch?v=UOu37WiM-fI) 2025-05-07T08:00Z [----] followers, [---] engagements "Stop Overpaying for Petrol 🚗💰 I found a simple way to save over [---] a year on petrol without changing how I drive Use the free app 'Petrol Prices' to find the cheapest fuel nearby. Don't fall into the trap of filling up at the nearest station #MoneyHacks #SaveMoney #PetrolPrices" [YouTube Link](https://youtube.com/watch?v=USAoVAzT_bY) 2025-05-02T19:00Z [----] followers, [---] engagements "Why Does Budgeting Make Life Easier Think budgeting is too hard or only for people struggling with money Think again. In this video we break down the budgeting basics and show how anyone no matter their income can take control of their finances. Well start with the reasons to use a budget and how it can help you manage your money better save for the future and avoid falling into debt. Whether you're aiming to pay off bills plan for a holiday or build an emergency fund having a simple budget is the key. Youll also hear some of the biggest budgeting myths like budgets are boring or budgets mean" [YouTube Link](https://youtube.com/watch?v=Vx9ezJzCjfI) 2025-05-03T14:59Z [----] followers, [--] engagements "1 easy trick to reduce your monthly subscription costs We talk about how many people are still paying for subscriptions they don't use. The trick is to check your bank app for anything marked as recurring and cancel anything you don't recognize. Some banks even list your subscriptions for you and there are free apps like Snoop or Emma that can track it all for you. One person found they were paying [--] pounds a month for apps they forgot existed which had been happening for [--] months resulting in hundreds of wasted cash. Cutting these unnecessary subscriptions can save you a lot of money this" [YouTube Link](https://youtube.com/watch?v=WEdB5O2S9C4) 2025-05-04T20:50Z [----] followers, [---] engagements "The Most Common Way People Fall Into Debt Many people fall into debt without realising it until its too late. This video explains the most common way people fall into debt and how to spot the warning signs early. Its easy to assume debt comes from big spending or poor choices but the truth is far more common and much more relatable. Everyday spending especially with credit card debt overdraft debt or buy now pay later deals can quietly turn into long-term financial trouble. With interest building and repayments piling up its no surprise so many face money worries. Millions of people in the U" [YouTube Link](https://youtube.com/watch?v=WqmtdpaiXHs) 2025-05-11T08:00Z [----] followers, [--] engagements "Stop Overspending: Track Your Spending From Day One If you want your budget to work you need to start by tracking your spending. This video shows you exactly how to monitor what you spend find areas to cut back and avoid common mistakes that catch people out early on. Well begin by exploring tools to track your spending from simple spreadsheets to apps that update automatically. These tools help you stay organised by showing you what youve spent and whats left in each category. Once you're tracking your money it becomes easier to spot areas where youre overspending. Youll learn how to look" [YouTube Link](https://youtube.com/watch?v=XP3QCX9vcgA) 2025-05-03T15:18Z [----] followers, [--] engagements "What Most People Dont Know About Credit Scores Do you know what most people dont know about credit scores In this video well uncover the secrets behind credit scores and show you how understanding them can unlock better financial opportunities. Whether you're looking to apply for a loan mortgage or simply want to improve your financial health understanding what affects your credit score is crucial. Stick with us and well break it all down in simple terms so you can take control of your financial future. Your credit score is more than just a number. It represents how reliable you are at paying" [YouTube Link](https://youtube.com/watch?v=YaaPw7Rugow) 2025-05-16T08:00Z [----] followers, [--] engagements "A Budget Plan That Helped Someone Escape Debt Want to know the budget plan that helped someone escape debt completely This video shows you a simple budgeting method that actually works using a practical and easy-to-follow system. Youll learn how to track your spending break your money into clear sections and finally stop living month to month. If you're tired of money stress and want real change youre in the right place. This isnt about earning more its about using what you already have in a smarter way. The budget plan shared in this video is based on a real example. It includes tools like" [YouTube Link](https://youtube.com/watch?v=Yqf18_9YOoU) 2025-05-18T08:00Z [----] followers, [--] engagements "Should You Remortgage When Its The Right Time Wondering if it's the right time to remortgage This video explains exactly when to remortgage and why getting the timing right can save you a huge amount of money. Whether your fixed rate ending soon or youre stuck on a standard variable rate this guide lays out what to do and when. Learn how to spot the signs that its time for a mortgage switch. If your mortgage deal is ending in the next few months thats often the best time to act. You dont need to wait until the very last second. Acting early can help you avoid slipping onto a variable mortgage" [YouTube Link](https://youtube.com/watch?v=_warhrdNzpg) 2025-05-26T08:00Z [----] followers, [--] engagements "How To Stay Calm During Your PIP Assessment Feeling nervous about your PIP assessment You are not alone. In this video about PIP assessment we will share simple ways to stay calm and prepared. Learn how to manage your nerves with easy steps before during and after your appointment. Whether you are worried about forgetting what to say or feeling overwhelmed our calming tips will help. We will talk through how to use calming techniques for PIP how to plan ahead for your PIP face-to-face assessment and what small changes can make a big difference. You will also hear about how breathing exercises" [YouTube Link](https://youtube.com/watch?v=aP91HGhWXIk) 2025-04-29T08:00Z [----] followers, [--] engagements "Do This Before Sending Your PIP Form When you're about to send off your PIP form there are a few things you need to do first to ensure everything goes smoothly. In this video we're going to show you exactly what steps you should take before submitting your PIP application. Getting your Personal Independence Payment claim right is crucial and by following these steps you can avoid mistakes and increase your chances of a successful claim. The PIP form can be confusing but don't worry Well help you through it step-by-step from filling out each section to collecting the right evidence. You might" [YouTube Link](https://youtube.com/watch?v=ax11BC3iCCE) 2025-05-09T08:00Z [----] followers, [--] engagements "How the Rich Turn Wealth Into a Black Hole Why is wealth vanishing from the middle class while the rich keep getting richer Discover the hidden forces behind this growing economic divide. #WealthInequality #MiddleClassCrisis #EconomicDivide #PassiveIncome #FinancialLiteracy #shorts" [YouTube Link](https://youtube.com/watch?v=bNX-7nAndyE) 2025-05-05T11:17Z [----] followers, [---] engagements "Should we tax the rich and then burn the money What if we taxed the richest and simply burned the money Could this bold move improve life for everyone else Lets rethink wealth and fairness. #TaxTheRich #WealthInequality #EconomicJustice #FairTaxation #SocialImpact" [YouTube Link](https://youtube.com/watch?v=bXzhYA3SLDQ) 2025-04-20T16:45Z [----] followers, [----] engagements "Stop Wasting Money on Your Commute [--] Simple Tips That Actually Work Your daily commute is costing you more than you think. In this video I'm sharing [--] proven strategies to slash your commuting costs PLUS a bonus tip at the end that could save you thousands every year. We'll cover carpooling and ride-sharing strategies route optimisation to avoid tolls and traffic vehicle maintenance tips for better fuel efficiency strategic work-from-home scheduling and how to avoid rush hour costs. The bonus tip reveals mileage deductions that most people completely miss. Whether you're driving taking public" [YouTube Link](https://youtube.com/watch?v=dg0eCXmxkyU) 2025-10-16T12:07Z [----] followers, [---] engagements "Use equity release to pay off a mortgage You can read more about this topic here: https://helpandadvice.co.uk//equity-release-to-pay-off-mortgage/ Hello In this video we are looking how we can use equity release to pay of your mortgage. Many people are not interested in how to pay off a mortgage early because they have There are many reasons to use equity release but the most common is to provide extra funds when they want to do something like pay for a trip or give money to their children etc. Since this involves borrowing against your property then the only people who should consider it are" [YouTube Link](https://youtube.com/watch?v=dwAfSh_MmkY) 2022-08-03T17:09Z [----] followers, [---] engagements "Debt Consolidation Explained For UK Borrowers Struggling with multiple debts Want to simplify your financial life and save money This video on debt consolidation explains how UK borrowers can combine their debts into one manageable payment. Discover the benefits and drawbacks of debt consolidation to see if it's the right choice for you. Debt consolidation can make managing your debt easier by combining multiple payments into a single payment. Learn about different options including debt consolidation loans balance transfer credit cards and debt management plans (D M P). Find out if you" [YouTube Link](https://youtube.com/watch?v=eNbTT8rv6m0) 2024-09-15T18:37Z [---] followers, [---] engagements "Why Your PIP Could Be Stopped Today Without Warning Thousands of people are losing their PIP payments and they dont even know why. This video explains whats really going on what you need to look out for and how to stop it from happening to you. If your PIP stopped or you're scared it might this video is packed with must-know advice. With changes in how the D W P PIP rules are being applied this is one video you dont want to miss. In the past year more reviews have turned into reassessments even for people on long-term PIP. A light touch review PIP was meant to be simple but its now becoming a" [YouTube Link](https://youtube.com/watch?v=eoB6i3MseFU) 2025-04-25T21:21Z [----] followers, [--] engagements "Save [--] when filing your petrol tank with this one trick We talk about how you can save money on petrol by using a free app called Petrol Prices to find the cheapest fuel near you filling up midweek instead of weekends and avoiding premium fuel unless your engine requires it. These simple changes can save you over [---] a year without changing your driving habits" [YouTube Link](https://youtube.com/watch?v=hRsGd31S_I0) 2025-05-03T18:19Z [----] followers, [---] engagements "Why the PIP Changes Are Bad News for Mental Health Claims The PIP four-point rule starting in [----] will devastate mental health claimants by requiring four points in a single daily living activity instead of combining points across multiple areas. This comprehensive analysis reveals how the government's own scoring system mathematically proves this rule targets depression anxiety and other mental health conditions. Most mental health claimants score only one to two points per activity meaning they'll lose all funding despite unchanged needs. We examine each daily living activity explain why" [YouTube Link](https://youtube.com/watch?v=hcHmAD_OrX4) 2025-08-22T19:55Z [----] followers, [--] engagements "How to Make a Money Plan That Actually Works Struggling to figure out where your money goes every month This video will guide you through setting up a simple money plan that actually works. Well show you how to list your income and expenses so you know exactly how much youve got coming in and where its being spent. From jobs and allowances to bills and shopping every bit counts. A clear list is the first step to better money decisions. Once thats done well explain how to prioritise your spending categories. Essential costs like rent and food come first then you can look at saving and spending" [YouTube Link](https://youtube.com/watch?v=hmib4sduHdI) 2025-05-03T15:05Z [----] followers, [--] engagements "The Real Reason Some People Stay In Debt Is debt always your fault Not quite. In this video you'll find out the real reason some people stay in debt and why getting out feels almost impossible for millions. If you're tired of never seeing your balance go down no matter how hard you try you need to see this. It's not just about budgeting harder it's about knowing whats really keeping you stuck. Many people in the UK are stuck in a debt cycle explained by rising costs flat wages and unexpected expenses. It often starts small a car repair a late paycheck or an energy bill thats just too high." [YouTube Link](https://youtube.com/watch?v=hut5Z1ro108) 2025-05-10T08:00Z [----] followers, [--] engagements "Can an Emergency Fund Save Your Day Not sure what an emergency fund is or why it matters This video breaks down the basics and explains why having one is a key part of smart financial planning. We start with the definition and purpose of an emergency fund. Its a pot of money set aside for unexpected expenses like car repairs medical bills or losing your job. Instead of going into debt or using a credit card you can use your emergency savings to stay financially stable. Next we go through real-life examples of where an emergency fund can help. From job loss support to illness or damage from" [YouTube Link](https://youtube.com/watch?v=jEAU4I6u52E) 2025-05-03T17:00Z [----] followers, [--] engagements "Five Tips To Get Out of Debt Fast Struggling with debt and want to become debt-free faster Getting out of debt doesn't have to take decadeswith the right debt management strategies you can pay off your debts years earlier and save thousands of pounds in interest. In this video discover five proven tips to eliminate debt quickly in the UK. Learn about the debt avalanche method for maximum interest savings how to negotiate lower rates with creditors using balance transfer cards strategically creating a budget that accelerates debt repayment and increasing your income to pay off debt faster." [YouTube Link](https://youtube.com/watch?v=jP3eRvJh7Eg) 2025-10-17T10:38Z [----] followers, [---] engagements "New PIP Rules Could Leave You With Nothing There could be a huge change coming to PIP and its something every claimant needs to know about. The government has released a new green paper with a number of proposed changes some positive some worrying and one in particular that could cut support for thousands. In this video we go through the full list of updates from the DWP consultation. Well explain exactly whats being proposed whats staying the same and how it could affect you or someone you care about. One rule could mean you lose your daily living payment unless you get four points in a" [YouTube Link](https://youtube.com/watch?v=kDM1noRlqgk) 2025-04-09T15:26Z [---] followers, [--] engagements "IVA vs Bankruptcy One May Be Worse Than The Other Choosing between IVA and Bankruptcy can feel overwhelming but this video breaks it down simply and clearly. If you're in debt and unsure which path to take well explain exactly what each option means how they work and which one could end up costing you more in money and stress. Thousands of people in the UK are choosing between an Individual Voluntary Arrangement or declaring Bankruptcy but not everyone is told the full story. We explore the key differences between an IVA and Bankruptcy including how long each one lasts what they mean for your" [YouTube Link](https://youtube.com/watch?v=ky_AP542O0g) 2025-05-18T08:01Z [----] followers, [--] engagements "How National Insurance Works In The UK Ever wondered how National Insurance works and why it's important This video breaks down everything you need to know about National Insurance in the UK. From understanding your National Insurance contributions to figuring out what benefits you get we've got it all covered. If youre employed self-employed or even not working this video will help you understand your National Insurance better. National Insurance is a key part of the UK's welfare system funding things like State Pensions and the NHS. Starting from the basics we will explain National" [YouTube Link](https://youtube.com/watch?v=lzqYRu3IEro) 2024-09-15T18:44Z [----] followers, [---] engagements "What To Do If Bailiffs Knock At The Door When bailiffs knock at the door it can feel frightening and overwhelming. But this video gives you the exact steps to follow to stay safe protect your belongings and deal with the situation calmly. Whether youre facing bailiffs at the door for council tax fines or unpaid debt youll learn what to do straight away. We explain your rights including how to handle UK bailiff laws and what powers enforcement agents really have. Its packed with real advice so you wont be left guessing. If youre unsure about things like the controlled goods agreement or youve" [YouTube Link](https://youtube.com/watch?v=mA2Nh0T5feg) 2025-05-19T08:00Z [----] followers, [---] engagements "How much is the state pension in [----] The state pension has gone up from April [----] but what does that really mean for you In this video we break down how much the new state pension is in [----] what the current UK state pension rates are and what you can do if youre not getting the full amount. Youll learn how to check your national insurance record fill in any missing pension years and claim the money youre entitled to. Well explain how the triple lock pension works why it led to a 4.1% rise this year and whether its likely to continue in future. With the state pension costing over 124" [YouTube Link](https://youtube.com/watch?v=n6tquYrXTCI) 2025-04-14T19:48Z [---] followers, [--] engagements "Do we tax rich people enough We discuss the difficulty of taxing the wealthy but argue that it is a necessary and important task to protect ordinary families and prevent their children from living in poverty. We acknowledge the challenge but emphasize that sometimes we must do difficult things for the greater good of society" [YouTube Link](https://youtube.com/watch?v=ncLpfOOIpT4) 2025-05-16T08:20Z [----] followers, [---] engagements "Why Most People Never Feel "Rich Why do we struggle to manage money even when we know its key to a rich life Discover the psychology behind financial habits and how anyone can improve. #PersonalFinance #MoneyMindset #FinancialLiteracy #WealthBuilding #PsychologyOfMoney #shorts" [YouTube Link](https://youtube.com/watch?v=o2tZJZAd76U) 2025-05-02T18:07Z [----] followers, [----] engagements "Fame Pressure & Mental Health: My Truth Can you handle the pressure of fame and criticism One trader reveals the mental health struggles behind his success and why he waited [--] years to share his story. #MentalHealthMatters #TradingLife #OvercomingChallenges #SuccessStory #FinanceTalk #shorts" [YouTube Link](https://youtube.com/watch?v=oP7t8P4nzEY) 2025-05-04T19:06Z [----] followers, [---] engagements "This Small Mistake Can Damage A Credit Score Did you know that one small mistake can damage your credit score In this video well show you how seemingly tiny errors can have a major impact on your credit rating and what you can do to prevent them. Your credit score plays a huge role in getting loans mortgages and even renting a place. Were going to walk you through common credit score mistakes and explain how you can avoid them. Many people dont realise how simple things can affect their credit score. For example failing to keep your personal information up to date with credit agencies can" [YouTube Link](https://youtube.com/watch?v=p7MjRbgH2_k) 2025-05-16T08:01Z [----] followers, [--] engagements "What Is The Small Pension Pot Consolidator Millions of workers across the country are set to benefit from a brand new change in how pensions are managed. The small pot consolidator is being introduced to help combine all those forgotten small pension pots that people pick up from job to job into one simple and manageable pension pot. This video explains how the pension consolidator will work who it affects and why its a big win for savers. With over [--] million small pension pots already out there and that number growing by around a million a year it's clear something needed to be done. The" [YouTube Link](https://youtube.com/watch?v=pTfCOUU3Yc4) 2025-04-24T13:53Z [----] followers, [--] engagements "A Story of Someone Who Faced 20k in Debt This video shares a true and powerful story of someone who faced [-----] in debt and found a way out. It covers exactly how the debt built up how it felt living under the pressure and most importantly how they found real help to break free. If youre facing something similar this video could be the turning point. Watch to the end to hear how things changed for good. The story takes you through how debt slowly added up starting from one card to twelve different payments. It shows how quickly things can spiral especially when youre trying to keep up" [YouTube Link](https://youtube.com/watch?v=qn1PHGUqIJY) 2025-05-12T08:00Z [----] followers, [--] engagements "5 Easy Ways To Boost Your State Pension (these work) The full UK State Pension currently pays [------] a week which is barely enough to cover basic living costs in retirement. But most people don't realize they're leaving thousands of pounds on the table simply by not taking five straightforward actions. I've helped people boost their State Pension by over [----] by following these exact steps and they're not complicated. In this video I break down the five most effective ways to increase your State Pension starting with filling gaps in your National Insurance record. Each missing year costs you" [YouTube Link](https://youtube.com/watch?v=r3UoDSGfRTs) 2025-10-10T11:58Z [----] followers, [---] engagements "This is Why the Rich Keep Getting Richer Should earning over 10M mean higher taxes or does that punish success Dive into the debate on wealth fairness and what past generations really paid. What do you think #WealthTax #TaxDebate #EconomicJustice #FinanceTalk #MoneyMatters" [YouTube Link](https://youtube.com/watch?v=rCNnbf6E8-s) 2025-04-20T09:55Z [----] followers, [---] engagements "What PIP Assessors Are Really Looking For Want to know what PIP assessors are really looking for This video breaks it down in a way that actually makes sense. If you're claiming PIP or about to attend a PIP assessment this is exactly what you need to hear. We explain how Personal Independence Payment works what the D W P cares about most and why your daily living challenges matter more than your diagnosis. PIP isnt based on a label or a condition its based on how your condition affects your life. Thats why knowing how to explain your situation is so important. Whether youve got a chronic" [YouTube Link](https://youtube.com/watch?v=rpqOJfdDYH4) 2025-04-27T09:00Z [----] followers, [--] engagements "How Credit Card Debt Can Spiral Out of Control Credit card debt can spiral out of control faster than you think. In this video well show you exactly how credit card debt can grow and what steps you can take to avoid the common mistakes that lead to mounting debt. Well explain how missing payments and only paying the minimum balance can turn a small debt into something much bigger. If youve ever wondered how credit card debt seems to sneak up on people this video is for you. Well break down the reasons why people fall into the trap and give you actionable advice on how to prevent it from" [YouTube Link](https://youtube.com/watch?v=tIhMYp4FyAo) 2025-05-12T08:00Z [----] followers, [--] engagements "Should You Save or Pay Off Your Credit Cards Struggling with the impossible choice between paying down credit card debt or building emergency savings Tired of conflicting financial advice that doesn't factor in UK interest rates You're literally losing money every month you get this wrong. The debt vs savings dilemma keeps millions stuck. You've got credit card interest at 27% eating away at your finances while savings accounts offer measly returns. Meanwhile everyone preaches about emergency fund importance but nobody explains the debt repayment order that actually works. Here's what's" [YouTube Link](https://youtube.com/watch?v=tceuNZWH8eQ) 2025-09-17T19:00Z [----] followers, [--] engagements "The Harsh Truth About Getting Rich Want to know the real secret to getting rich It might not be what you expect. Hint: it starts with discipline beyond just money. Ready to hear more #WealthBuilding #MoneyMindset #FinancialFreedom #SuccessTips #GetRich #shorts" [YouTube Link](https://youtube.com/watch?v=u4YrrGYhtPE) 2025-05-18T17:02Z [----] followers, [----] engagements "Outsmarting Exchange Rates Abroad Want to avoid huge exchange fees when spending abroad Discover how certain cards give you near-perfect rates plus cashbacksaving you money every trip #TravelTips #MoneySaving #CurrencyExchange #TravelHacks #CashbackRewards" [YouTube Link](https://youtube.com/watch?v=unxZzWThGRw) 2025-04-19T12:45Z [----] followers, [----] engagements "Who got rich during covid We discuss how the government's massive spending during the COVID-19 pandemic has led to a significant increase in the national deficit with the UK government deficit reaching [--] trillion pounds and the US deficit reaching $14 trillion. We explore how this unprecedented level of government spending has disproportionately benefited the wealthy as the money given to workers to pay their bills ultimately ends up in the hands of the rich who are unable to spend it due to lockdown restrictions" [YouTube Link](https://youtube.com/watch?v=vBYJ-_znL3s) 2025-05-06T12:39Z [----] followers, [----] engagements "What To Say When Scared Of Debt Collectors Dealing with debt collectors can be terrifying especially when youre unsure what to say or do. If youre feeling scared or overwhelmed dont worry youre not alone. In this video well show you exactly what to say to debt collectors and explain how to manage the situation without letting fear take over. Whether you're dealing with persistent calls or worrying about your rights weve got practical advice to help you stay calm and take control. When youre first contacted by debt collectors its important to stay calm and know your rights. Remember they must" [YouTube Link](https://youtube.com/watch?v=vdnzR79c2AQ) 2025-05-17T08:01Z [----] followers, [--] engagements "Are the rich making you poorer We talk about the potential for a clear simple economic-political message that the reason we are getting poorer is because of the massive growth in inequality. We need to stop this inequality from growing in order to fix the issue of worsening living standards" [YouTube Link](https://youtube.com/watch?v=vsZVB0lXl9U) 2025-05-04T19:24Z [----] followers, [---] engagements "How to Fix and Improve Your Budget Made your first budget and not sure what to do next This video will show you how to improve it keep it working and adapt when life changes. Budgets are not one-and-done they grow with you. Well start by looking at how to adjust your budget for unexpected changes. Things like car repairs or surprise bills happen all the time and your budget needs to be ready. Setting up an emergency fund is a smart move to avoid getting off track. Then we move on to adding new budget categories as your needs change. Whether its a new hobby family costs or school supplies its" [YouTube Link](https://youtube.com/watch?v=wOy-eC_EWdQ) 2025-05-03T15:21Z [----] followers, [--] engagements "Are we taxed too much in the uk We discuss how the low-tax environment in Dubai has attracted some of the world's most talented people to build technology companies there creating a thriving entrepreneurial community that is rivaling even the US. We hear stories of fitness trainers and entrepreneurs who have found great success and financial freedom in Dubai due to the favorable tax policies" [YouTube Link](https://youtube.com/watch?v=wc7Sat7bFQQ) 2025-05-15T15:34Z [----] followers, [----] engagements "This Simple Mistake Can Ruin Your PIP Application Theres one mistake that can ruin your PIP application and thousands of people make it every year without even knowing. If you want the best chance of getting Personal Independence Payment this video shows exactly what to do and what not to do. PIP application mistake is something you dont want to make and the fix is simple once you know what to look for. Too many claims are refused because people try to stay positive or downplay their struggles. The PIP claim error can be something as small as ticking the wrong box or forgetting to explain" [YouTube Link](https://youtube.com/watch?v=xzm3foHqTf0) 2025-04-24T07:40Z [----] followers, [--] engagements "Should You Retire Later Than Normal (It might be worth it) Should you work past [--] The answer depends entirely on what type of work you do. This video breaks down the hard truth about late retirement based on your actual job type not generic advice. We explore research showing manual workers face double the health risks continuing past [--] with physical work creating serious strain on ageing bodies. Meanwhile office workers often benefit from working longer with improved mental health and cognitive function. You'll discover why healthy working life in England averages just [---] years from age" [YouTube Link](https://youtube.com/watch?v=4O_v7ab2nVY) 2025-11-03T17:00Z [----] followers, [---] engagements "The TRUTH About Negotiating Your Salary Want to earn more but nervous about asking for a pay rise You're not alone. Many UK workers avoid salary negotiations and miss out on thousands of pounds each year simply because they don't know how to ask effectively. In this video discover five proven tips to negotiate a better salary in the UK job market. Learn how to research your market value using UK salary data document your achievements with concrete examples choose the perfect timing for your conversation practice your pitch with confidence and explore total compensation beyond base salary." [YouTube Link](https://youtube.com/watch?v=7thau8OmDT8) 2025-10-17T18:22Z [----] followers, [--] engagements "Can You Retire at [--] With 100K In Your Pension Pot Retiring at [--] with [------] in savings sounds like a dream but is it realistic If you're [--] right now with around 100k saved this question probably keeps you up at night. The truth is it's possible but you'll need smart strategies to make it work. This video breaks down exactly what a 100k pension pot provides and reveals the seven-year gap between retiring at [--] and receiving your State Pension at [--]. I've spent over [--] years advising people on retirement planning and I know what actually works with modest savings. The 4% withdrawal rule" [YouTube Link](https://youtube.com/watch?v=9W5hx8jlK80) 2025-10-17T11:00Z [----] followers, [----] engagements "5 Easy Ways to Grow Your Pension Fast Boost your pension savings with these five proven strategies that could add thousands of pounds to your retirement fund. Discover how a simple one percent increase in contributions can make a massive difference over time. Learn why employer matching is free money you can't afford to miss and how salary sacrifice could save you hundreds in National Insurance. Find out why consolidating old pensions matters and how reviewing your investment choices could accelerate your pension growth. Plus get expert advice on maximizing your annual allowance to take full" [YouTube Link](https://youtube.com/watch?v=9lE78-Pww6o) 2025-10-19T11:39Z [----] followers, [---] engagements "Five Ways To Save [----] in Six Months Want to save [----] but don't know where to start Most people think saving requires massive sacrifices but the truth is it's completely achievable with a few simple changes. In this video discover five practical ways to save [----] s in just six months. Learn how to automate your savings use the 24-hour rule to stop impulse purchases sell unused items around your house switch providers to save hundreds and get a bonus tip about rounding up spending. These aren't complicated strategiesthey're simple actionable steps anyone can implement today. Whether you're" [YouTube Link](https://youtube.com/watch?v=9qk4oWeTdvA) 2025-10-18T19:00Z [----] followers, [---] engagements "Should You Take Your Tax-Free Cash At Retirement (probably not in many cases) Should you take your pension tax-free cash It's one of the biggest decisions you'll face when accessing your pension and getting it wrong can cost you thousands. In this video I'll walk you through [--] essential questions that will help you decide whether taking your 25% tax-free lump sum is the right move for your situation. We'll cover what tax-free cash actually is and how it works whether you genuinely need the money right now what you plan to do with it what you're giving up by taking it out how it affects your" [YouTube Link](https://youtube.com/watch?v=BvrmrU5otvQ) 2025-11-11T17:07Z [----] followers, [---] engagements "Universal Credit Top-Ups You're Missing (Check Your Account Now) Are you claiming Universal Credit but missing out on extra payments you're entitled to Most people don't realise these top-ups exist or that you have to actively claim them. In this video we reveal the most commonly missed Universal Credit elements: the Carer Element (201.68/month) Childcare Costs (up to 1768.94/month) and Disabled Child payments (up to 495.87/month). None of these are added automatically to your claim. We'll show you exactly what each top-up is worth who qualifies and how to claim them through your Universal" [YouTube Link](https://youtube.com/watch?v=DBMGMzbdZe0) 2025-10-21T14:59Z [----] followers, [--] engagements "Inheritance Tax Rules- What people get wrong about the [--] year rule costing 000's Should you use the 7-year rule to reduce your inheritance tax bill Most people think they understand how it works but there's a crucial detail about taper relief that catches almost everyone out. This video walks you through exactly how the 7-year inheritance tax rule actually works including the taper relief misconception that could cost your family [-----] or more. You'll discover why surviving [--] years after making a gift doesn't save what most people think it does and what strategies actually work instead. Key" [YouTube Link](https://youtube.com/watch?v=DaeP61Cmy-8) 2025-12-02T17:00Z [----] followers, [--] engagements "What To Expect When You Retire - The [--] Phases of Retirement Life (prepare for the good and bad) Research shows that only 60% of retirees reach the final fulfilling phase of retirement - but why do 40% never make it there In this video I reveal the four emotional phases every retiree experiences and exactly how you can successfully navigate all of them to reach that rewarding destination. Most people think retirement will be one long vacation but the reality involves distinct psychological phases that catch many off guard. Phase two brings unexpected depression and loss of purpose - Age UK" [YouTube Link](https://youtube.com/watch?v=FNNDnNS7fB0) 2025-11-05T20:23Z [----] followers, [---] engagements "How Pension Credit Could Boost Your Weekly Income See If You Can Claim it Thousands of pensioners miss out on Pension Credit every year leaving money on the table that could make a real difference to their weekly budget. If you're over State Pension age and struggling with living costs Pension Credit might top up your income - even if you own your home or have some savings. Many people assume they won't qualify but the rules are actually more generous than most think. In this video I'll walk you through exactly how Pension Credit works including the two types available: Guarantee Credit and" [YouTube Link](https://youtube.com/watch?v=FfGp-eyT-ak) 2025-11-07T12:00Z [----] followers, [--] engagements "How to Challenge Your Rejected PIP Decision - 70% of PIP Appeals Win at Tribunal Getting your PIP decision can be stressful especially when its not what you expected. But dont panic help is here. This video will show you exactly how to appeal your PIP decision and win even if youve already been turned down once. More than 70% of PIP appeals at tribunal succeed and well explain why that is and how you can be one of them. Whether youve been awarded too little or refused entirely youll learn what steps to take when to take them and how to present your case in the best light. Well also explain" [YouTube Link](https://youtube.com/watch?v=PCye84UcWbg) 2025-05-09T08:00Z [----] followers, [----] engagements "Can You Get PIP For Mental Health Problems Find Out Finding out the truth about PIP and mental health can make a real difference when you apply. In this video you will learn exactly how PIP and mental health are connected and what the D W P is really looking for. Whether its anxiety depression or any mental health condition the focus is always on how it affects your daily life. This guide will show you how to present your case clearly and honestly. Many people think a diagnosis alone will get them PIP but it is the daily struggles that matter most. If you have issues with cooking washing" [YouTube Link](https://youtube.com/watch?v=Stm75JhWVDo) 2025-04-28T21:00Z [----] followers, [---] engagements "Thousands Missing Out on Pension Credit Don't let it be you Could you be missing out on money you're entitled to This video covers everything you need to know about Pension Credit [----] including who can get it how much its worth and how to apply. With the cost of living still a concern extra help for pensioners is more important than ever. In [----] the pension credit threshold is going up which means more people could qualify. Whether you're single or part of a couple this benefit can top up your retirement income to a guaranteed level plus unlock other perks. That includes housing benefit for" [YouTube Link](https://youtube.com/watch?v=UA6-r38fJRc) 2025-05-01T15:08Z [----] followers, 11.5K engagements "Can you retire at [--] with [------] in your pension pot (Yes you can) Can you retire at [--] with [------] in your pension pot Yes - but only if you understand the 7-year State Pension gap and your housing situation. Most people just "check if 200k is enough." But today I'm going to show you how to apply what we call the Safe Withdrawal Rate - which is just a way of calculating how much you can take each year without running out - and why the 7-year gap before State Pension kicks in is the real challenge. From my time advising large organisations I've seen how what the industry calls the" [YouTube Link](https://youtube.com/watch?v=UbSxt3UFYfY) 2025-10-20T13:20Z [----] followers, 16.7K engagements "Should You Take Your Pension Tax-Free Cash - November Budget Warning Pension tax-free cash rumours are causing billions to be withdrawn before the November Budget. People are panicking about potential cuts to the 25% allowance. But most are making irreversible decisions based on speculation not facts. I'm going to show you what the rumours actually say why [--] billion was withdrawn in the last year alone and whether you should take action before [--] November or wait for the actual announcement. In this video I break down what's actually being rumoured about tax-free cash cuts versus the current" [YouTube Link](https://youtube.com/watch?v=W8atswUEVG4) 2025-10-22T11:01Z [----] followers, [--] engagements "Can You Retire at [--] With A 100k Pension Pot Can you retire at [--] with [------] The answer depends on your housing situation and whether you can handle two tough years before state pension starts at [--]. I'm painting the realistic picture of what this retirement actually looks like - what you can afford what you can't and how your day-to-day life feels on roughly [----] per month from age [--] onwards. In this video I break down the brutal reality of those first two years living on your tax-free lump sum then the tight year two when withdrawals become taxable. Then I show you exactly what [-----] per" [YouTube Link](https://youtube.com/watch?v=XNH4p76s6rM) 2025-10-29T12:01Z [----] followers, 87.1K engagements "The Dark Side of Retirement Nobody Talks About - Decline Depression and Divorce (Research) Nobody talks about what really happens when you retire. But the research is shocking. Studies show retirement decreases your chance of excellent health by 40%. It increases your risk of clinical depression by 40%. And divorces among people over [--] have jumped 38% for women and 23% for men between [----] and [----] in England and Wales. In this video I explain the three D's of retirement - Decline Depression and Divorce. These are the hidden problems that hit more people than you think. I'll show you why" [YouTube Link](https://youtube.com/watch?v=Xwh7Iou8Su4) 2025-11-13T18:00Z [----] followers, [---] engagements "State Pension For A Widow Also Claim [----] Bereavement Payment or Lose Thousands Most widows don't realize they're losing thousands in state pension inheritance they're legally entitled to receive. This video uncovers the hidden rules about inheriting your partner's UK state pension in 2025/26. Shocking fact: DWP has already corrected over [---] million in errors with thousands of widows incorrectly told they couldn't inherit anything. Discover what you're actually owed (maximum [-----] annually from additional state pension inheritance) understand why marriage or civil partnership at death is" [YouTube Link](https://youtube.com/watch?v=akAvhsFQcaA) 2025-11-20T13:00Z [----] followers, [---] engagements "Dont Retire Early Without First Watching This (its not just about the money) Thinking about early retirement but not sure if it's the right move This isn't just about having enough money saved up. The real question is whether you should retire early based on your health finances and what you'll actually do with your time. In this video we break down the three critical tests you need to run before making this decision. We cover the harsh reality of healthy life expectancy in the UK (it's shorter than you think) the actual money test that matters (forget those inflated retirement calculators)" [YouTube Link](https://youtube.com/watch?v=bUgjgrvDZbw) 2025-10-31T17:01Z [----] followers, [---] engagements "Can You Live On ONLY The State Pension OF [---] per week - The Reality The full UK state pension pays [------] weekly which equals [-----] annually. Can you actually live on just this amount The official Retirement Living Standards show singles need [-----] yearly for minimum living - which includes a UK holiday eating out monthly and leisure activities twice weekly. That means singles are [----] short on state pension alone. However couples receiving full state pension get [-----] combined which exceeds the [-----] minimum standard for two people. The minimum standard assumes mortgage-free homeownership" [YouTube Link](https://youtube.com/watch?v=cjEZwddaBPc) 2025-10-24T11:01Z [----] followers, [---] engagements "Why You Have [--] Credit Scores in the UK (Not Just One) Your credit score affects every major financial decision you make - but most people don't understand how it actually works in the UK. In this video you'll discover why you have three different credit scores (not just one) what the UK averages are with Experian Equifax and TransUnion and exactly what factors determine your score. Payment history matters most at 35% followed by credit utilisation and length of credit history. The fastest improvement Register on the electoral roll - it can boost your score by 50+ points in just weeks. We'll" [YouTube Link](https://youtube.com/watch?v=h5acmVAj_oE) 2025-10-21T19:49Z [----] followers, [--] engagements "Early Retirement Warning - [--] Mistakes That Will Destroy Your Pension by Age [--] Five pension mistakes will shock you when you discover their true impact decades later. Most early retirees have no idea they're destroying their financial security until reaching their 70s with nothing left. This video exposes the exact traps that catch people completely by surprise. Learn why withdrawing heavily from your pension in early retirement creates irreversible damage how market crashes during your first years permanently destroy your pot what the April [----] inheritance tax changes really mean for" [YouTube Link](https://youtube.com/watch?v=ie63gCTqtl0) 2025-11-23T17:01Z [----] followers, [----] engagements "2026 State Pension Up 4.8% to [---] Weekly: [--] Questions Before Claiming [---] per week from April [----] - that's what the new state pension will be after the triple lock increase kicks in. But there's a lot more you need to know about this change especially if you're approaching retirement age. In this video I break down exactly what you'll receive in [----] whether you're on the new state pension (post-2016) or the old basic pension (pre-2016). I explain why the pension is going up by 4.8% how the triple lock works and what it means for your finances. More importantly I cover how to actually claim" [YouTube Link](https://youtube.com/watch?v=jqEddb6euag) 2025-11-18T18:00Z [----] followers, [---] engagements "5 Steps To Create an Emergency Fund Are you living one unexpected bill away from financial stress Building an emergency fund is the foundation of financial security yet most British households don't have enough saved to cover three months of expenses. In this video discover five practical steps to create your emergency fund from scratch. Learn exactly how much you need to save which UK savings accounts offer the best instant access how to automate your savings so you never miss a payment and clever ways to find extra money to boost your fund faster. Plus find out what actually counts as a" [YouTube Link](https://youtube.com/watch?v=kAkflcQW7-k) 2025-10-18T19:06Z [----] followers, [--] engagements "Understanding The UK State Pension: What Youll Get Ever wondered how much you'll get from the UK State Pension and how it all works This video breaks down everything you need to know about the Basic State Pension New State Pension and Pension Credit in the UK. We explain how your National Insurance contributions impact your pension amount and what you can expect when you retire. The UK State Pension is a regular payment from the government that you can claim when you reach State Pension age. The full New State Pension is currently [------] per week but what you get depends on your National" [YouTube Link](https://youtube.com/watch?v=lE7esNfMiMw) 2024-09-17T18:54Z [----] followers, 33.2K engagements "Direct Debit vs Standing Order: Which Saves You More Money Are you paying your bills the expensive way Most people don't realise that how you pay directly affects what you pay. This video breaks down the crucial differences between Direct Debits and Standing Orders - and reveals which one actually saves you money. Direct Debits offer the Direct Debit Guarantee (immediate refunds for errors) plus discounts from utility providers. Standing Orders give you complete control but zero protection and no discounts. We'll show you exactly when to use each method and why Direct Debits typically save" [YouTube Link](https://youtube.com/watch?v=mrTrmD6BSNM) 2025-10-21T14:45Z [----] followers, [----] engagements "Don't Let Retirement Ruin Your Life: Why People Fail To Retire Happy Retiring without a plan for your purpose is the biggest mistake people make. Most spend years sorting their finances but forget to plan what they'll actually do with their time. Within months of retiring many people feel lost bored and isolated because they've lost the identity structure and social connections that work provided. Depression affects about 25% of people over [--] and retiring without purpose is a major trigger. In this video I explain the three stages everyone goes through when they retire and why the middle" [YouTube Link](https://youtube.com/watch?v=oMzRbQL4XN0) 2025-10-21T08:23Z [----] followers, [--] engagements "5 Key Questions to Ask Before Buying an Annuity Thinking about buying an annuity but not sure if it's the right decision In this video I'll walk you through [--] essential questions you need to ask yourself before making this important choice. With annuity rates now at their highest levels in over a decade it's crucial to understand whether an annuity suits your retirement plans. We'll explore current annuity rates and whether they offer good value how to calculate the guaranteed income you actually need how your health could boost your income by up to 30% whether you should consider pension" [YouTube Link](https://youtube.com/watch?v=sbE1wM0QSjE) 2025-11-09T18:01Z [----] followers, [---] engagements "Is Private Health Insurance Really Worth It Are you thinking about private health insurance in the UK and wondering if it's worth it This video will break down everything you need to know about private health insurance from the benefits to the costs and everything in between. Understand the differences between NHS and private healthcare and discover if private medical insurance is right for you. Private health insurance offers faster access to specialists and more comfortable hospital facilities. With the NHS often having long waiting times private healthcare can be a quicker and more" [YouTube Link](https://youtube.com/watch?v=t1yeDYQ-QqM) 2024-09-15T18:46Z [----] followers, [----] engagements "How Long A PIP Assessment Decision Takes (why its 4-12 Weeks) Waiting for a PIP decision can feel endless. In this video we explain how long it really takes to get your Personal Independence Payment approved. Whether you're applying for the first time or going through a review we break down the typical timelines and what causes delays. Most new PIP claims take about [--] to [--] weeks from start to finish. This includes filling out your form attending an assessment and waiting for the D W P to process everything. However some people experience longer waits due to backlogs and staffing issues." [YouTube Link](https://youtube.com/watch?v=uKT30AjTPnI) 2025-05-01T08:00Z [----] followers, [----] engagements "5 Pension Mistakes That Leave Retirees Broke and Working Again By [--] Five pension mistakes will shock you when you discover their true impact decades later. Most early retirees have no idea they're destroying their financial security until reaching their 70s with nothing left. This video exposes the exact traps that catch people completely by surprise. Learn why withdrawing heavily from your pension in early retirement creates irreversible damage how market crashes during your first years permanently destroy your pot what the April [----] inheritance tax changes really mean for estates" [YouTube Link](https://youtube.com/watch?v=wX09EA0QZOo) 2025-11-16T18:01Z [----] followers, [----] engagements "Prince Andrew Gives Up Titles - The TRUTH About What Happened Prince Andrew has SHOCKED the world by giving up his Duke of York title after mounting pressure from King Charles over his Jeffrey Epstein connections. But this isn't just royal drama - this decision could trigger the biggest crisis the British monarchy has faced in decades. Discover the explosive details behind Andrew's resignation the leaked emails that forced his hand and why this breaking news has millions questioning whether Britain still needs a Royal Family. From Buckingham Palace power plays to public outrage we break down" [YouTube Link](https://youtube.com/watch?v=zE1SG2LBzt4) 2025-10-19T19:01Z [----] followers, [--] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@retirementandmoney The Retirement & Money Show
The Retirement & Money Show posts on YouTube about money, retirement, financial education, how to the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.
Engagements: [-----] #
Mentions: [--] #
Followers: [-----] #
CreatorRank: [-------] #
Social Influence
Social category influence finance 97.39% events #472 technology brands 1.31% stocks 0.65% automotive brands 0.65% travel destinations 0.65% celebrities 0.65%
Social topic influence money 51.63%, retirement #445, financial education #134, how to 27.45%, financial #1750, education #4136, finance #1716, debt 9.8%, pip #127, accounting #1112
Top assets mentioned Flex Ltd. Ordinary Shares (FLEX) HSBC Holdings PLC (HSBC)
Top Social Posts
Top posts by engagements in the last [--] hours
"Your Salary x [--] = Your Pension Target Not sure if your pension is on track There's a simple rule of thumb: aim for [--] times your final salary in your pension pot. This is based on replacing two-thirds (67%) of your pre-retirement income - the official UK government benchmark for median earners. The formula works because a [------] pot can give you around [-----] per year using the 4% withdrawal rule. Add the full State Pension (12548 for 2026/27) and you've got [-----] total income - which is 67% of a [-----] salary. Key takeaways: - Multiply your final salary by [--] for your pension pot target - 30k"
YouTube Link 2026-02-18T19:00Z [----] followers, [---] engagements
"300k Pension Pot at [--] 18k Yearly for [--] Years Got [------] in your pension pot at age [--] You could withdraw [-----] every year for [--] years using a flexible withdrawal strategy according to Morningstar's [----] research. The traditional 4% rule would give you only [-----] yearly but flexible retirees willing to adjust spending during market downturns can safely take nearly 6% annually. That's an extra [----] each year186000 over [--] years. From age [--] your State Pension of [-----] kicks in boosting your total income to over [-----] yearly. The key is staying flexible and reviewing your plan annually to"
YouTube Link 2026-02-13T12:00Z [----] followers, [----] engagements
"Start Investing at 25: Get 7x More by [--] What happens when you invest [----] at age [--] versus age [--] At 7% annual growth the difference is staggering. The early investor ends up with [-----] while the late starter gets just [----] - from the exact same amount of money. The reason is compound interest. When you invest early your returns earn their own returns over decades. Standard Life's [----] research found that delaying pension contributions by just [--] years in your 20s could cost you over [------] by retirement. Time is the most powerful factor in building your pension pot. Key takeaways: - [----] at"
YouTube Link 2026-02-17T12:00Z [----] followers, [---] engagements
"Market Crash in Year [--] Your Pension Pot Could Be Ruined Sequence of returns risk is one of the biggest threats to your retirement. It's not just about how much the market goes up or down - it's WHEN those swings happen that matters most. A market crash in your first [--] years of retirement can permanently devastate your pension pot because you're forced to sell investments at depressed prices to fund withdrawals. The same crash [--] years later causes far less damage because your portfolio has already grown and you have fewer years to fund. The first 5-10 years of retirement are the most critical"
YouTube Link 2026-02-16T12:00Z [----] followers, [---] engagements
"Lost Pension Here's Exactly What You Need to Do You could be owed 13K Lost pension You're not alone. There's [----] billion sitting in forgotten pension pots across the UK right now and your share could be waiting. This video walks you through what we call a Pension Audit - which is just a fancy way of saying a proper search through your employment history to find every pension pot you've ever built up. Whether you've changed jobs three times or thirteen times this step-by-step guide shows you exactly how to track down your money. With over [--] years of experience advising individuals and"
YouTube Link 2026-02-12T12:45Z [----] followers, [---] engagements
"Get PIP Without Diagnosis - Autism Chronic Fatigue Depression All Qualify Think you cant get PIP because your disability isnt visible Think again. This video explains exactly how to get PIP with a hidden disability from mental health conditions to long-term invisible illnesses. Whether its PIP for anxiety PIP for ADHD or PIP for fibromyalgia youll find clear answers here. Getting PIP with a hidden disability is absolutely possible. The D W P hidden disability criteria focuses on how your condition affects you not what you look like. This video breaks down what the D W P is really looking for"
YouTube Link 2025-04-25T21:23Z [----] followers, [----] engagements
"Standard PIP vs Enhanced PIP Weekly Rates: How [--] Points Changes Everything Are you confused about the differences between Standard PIP and Enhanced PIP In this video we break down everything you need to know to understand the big differences and help you get the support you deserve. Whether you're applying for Personal Independence Payment for the first time or just curious about how the system works we explain the key details of the PIP benefits from eligibility to the payment amounts. PIP is a lifeline for many people who have long-term health conditions or disabilities. It helps cover the"
YouTube Link 2025-05-10T08:00Z [----] followers, [----] engagements
"Thinking Of Consolidating Your Pensions Don't Miss These [--] Traps Consolidating or merging pensions sounds simple - merge four old pots into one lower your fees easier to track. But there are six hidden traps that could cost you over [------]. In this video I walk through six traps that catch people out when consolidating pensions. First I explain why consolidation looks so appealing on paper - one pot one set of fees one statement. Then I show you the six traps that wreck this plan including guaranteed annuity rates from the 1980s and 1990s that pay 9-11% when current rates are only 5-6%"
YouTube Link 2026-01-04T17:00Z [----] followers, [---] engagements
"How To Pass The PIP Walking Test - Don't get tricked and lose [--] points Struggling to work out your walking distance for your PIP form or assessment This video will show you simple practical methods to measure how far you can walk even if it changes from day to day. Knowing your PIP walking distance is key to getting the right PIP mobility points. But if you don't explain it clearly you could end up with zero points. Thats why we explain how to use things like sofas supermarket aisles and even bus lengths to work out your walking distance for PIP. This video breaks it down in plain English so"
YouTube Link 2025-04-16T17:35Z [----] followers, 58.3K engagements
"Can You Retire at [--] with a 200k Pension Pot - Here's how to make it work Thinking about retiring at [--] but worried [------] isn't enough You're not alone as the six-year gap before the State Pension kicks in is a common source of concern. However by looking at real spending habits rather than inflated industry benchmarks a 200k pot can effectively fund a secure early retirement especially when factored into the new [----] State Pension rates. In this video I walk you through exactly how to make [------] work at [--] breaking down the maths of the six-year bridge to your State Pension. Drawing on my"
YouTube Link 2026-01-11T17:00Z [----] followers, 12K engagements
"The [--] Tax Trap Hitting 4.1M Pensioners Over [--] million pensioners in the UK are feeling the squeeze. According to Age UK's [----] research one in three pensioners report feeling less financially secure than they did a year ago. The culprits Frozen tax allowances and rising costs that are hitting retirement incomes hard. The personal allowance has been frozen at [-----] since [----] while energy prices have jumped 50% since [----]. This creates "fiscal drag" - where your income rises with inflation but your tax bill rises even faster because the tax thresholds don't move. With the State Pension paying"
YouTube Link 2026-02-05T20:00Z [----] followers, [---] engagements
"5 Ways to Get Your Full PIP Assessment Points - (PIP Assessors score you down with these answers) PIP assessments decide whether you get Personal Independence Payment and at what rate. Most people don't realise that five simple mistakes during the assessment can cost them the points they need. I'm going to show you exactly how to prepare so you present your case properly. These tips come from helping thousands of people through the assessment process. In this video I break down the five biggest mistakes people make at PIP assessments. You'll learn why talking about your best days hurts your"
YouTube Link 2025-10-15T11:00Z [----] followers, 20.9K engagements
"Tax-Free Cash: The 30-Year Growth Mistake Thinking about taking your 25% tax-free cash from your pension Before you do understand the long-term cost. If you don't need the money right now leaving it invested could transform your retirement. Take [------] at age [--] and spend it: you'll have nothing at age [--]. Leave it invested at 6% growth: it becomes [------]. That's the power of tax-free compound growth inside your pension - doubling every [--] years. Key takeaways: - Tax-free cash grows tax-free if left in your pension - At 6% growth your money doubles every [--] years - [------] becomes [------] over"
YouTube Link 2026-02-15T12:00Z [----] followers, [---] engagements
"Stock Market Crash History Says Do Nothing Worried about your pension pot after a market crash History shows that every major stock market crash has eventually recoveredsome quickly others slowly but all of them bounced back. From the [----] Great Depression crash that took [--] years to recover to the [----] COVID crash that bounced back in just [--] months the pattern is consistent: crashes are temporary. Selling during a crash locks in your losses permanently while staying invested lets you ride out the storm and participate in the recovery. The hard part isn't strategyit's psychology. Can you"
YouTube Link 2026-02-06T20:00Z [----] followers, [---] engagements
"Spending All Your Pension Pot - Embracing The Die With [--] Philosophy Should you spend all your retirement savings or die with a fortune you never enjoyed This video explains the "Die With Zero" philosophy and whether it applies to your situation. Many retirees saved diligently for decades but feel terrified to spend. Research shows most people still have 80% of their savings after nearly [--] years in retirement. That's not careful planning - that's fear stopping you from living. I'll explain when spending more freely makes sense when it's genuinely dangerous and how to find the middle ground"
YouTube Link 2026-01-29T13:48Z [----] followers, [----] engagements
"100k Pension: How Much Can You Take Yearly How much can you safely withdraw from a [------] pension pot at age [--] The answer depends entirely on how long you need it to last. If you're planning for [--] years you might take [----] annually. But for [--] years you need to drop to [----] to stay safe. Most people underestimate how long they'll live in retirement. Men at [--] typically live another [--] years women another [--] years. Many will reach [--] years or more which means planning for only [--] years is risky. The key is combining your pension withdrawals with the State Pension (12548 per year in 2026/27)"
YouTube Link 2026-02-07T14:00Z [----] followers, [---] engagements
"Starting Your Pension at [--] vs 35: The 200k Difference Think [--] years doesn't make much difference when it comes to pension savings Think again. Starting at age [--] versus age [--] with the same [---] monthly contribution can mean a [------] difference by the time you're [--]. This is the power of compound interest. Every year your pension pot grows future growth builds on a bigger base. Those extra [--] years of compound growth are worth hundreds of thousands of pounds by retirement age. The good news You don't need to save [---] a month to benefit from this. Even [--] or [---] monthly contributions started"
YouTube Link 2026-02-06T12:00Z [----] followers, [---] engagements
"3 in [--] Pensioners in Cold Homes Over Debt Age UK's [----] research revealed a heartbreaking reality: three in five pensioners cutting back on heating would rather turn off their heating completely than risk falling into debt. With [---] million pensioners feeling less financially secure and energy bills continuing to rise many are facing impossible choices this winter. But there is help available. Pension Credit guarantees a minimum income of [---] per week (12376 yearly) for single pensioners from April [----] and it unlocks access to the Winter Fuel Payment worth 200-300. Even a small Pension"
YouTube Link 2026-01-31T19:50Z [----] followers, [----] engagements
"In Your 60s Market Crash Can Cut Pot by 30% Starting pension drawdown in your 60s The timing of market returns can make or break your retirement. Sequence of returns risk means a market crash in your first two years of retirement can permanently reduce your pension pot by 30% or more - even if long-term average returns look fine on paper. When you're taking regular income and markets fall you're forced to sell more shares at depressed prices. This leaves fewer shares to benefit from the recovery causing lasting damage to your pot. Research shows the first five years are the "danger zone." Key"
YouTube Link 2026-02-09T19:45Z [----] followers, [---] engagements
"Index Funds Beat 90% of Active Managers Most investors don't realise what happens to actively managed funds over the long term. The truth is stark: according to S&P's [----] SPIVA research over 90% of active fund managers underperform their benchmark index over [--] years. The reasons are simple but powerful. Active funds charge around 0.75% in annual fees while index trackers charge just 0.1%. Over [--] years that fee difference compounds dramatically. More importantly very few fund managers can consistently pick winning stocks that beat the market average. Here's what matters for your retirement"
YouTube Link 2026-02-08T12:00Z [----] followers, [---] engagements
"5 Ways To Pay No Tax on Your Pension - Legal Strategies That Work Deciding how much to withdraw from your pensionand whencould be the difference between paying thousands in tax or paying nothing at all. Most people don't realise they're handing over money to HMRC that they never needed to pay. In this video I walk you through [--] completely legal strategies to pay zero tax on your pension withdrawals ensuring you keep more of your hard-earned savings for your retirement. With over [--] years of experience working with individuals and large organisations (including PwC EY and KPMG) I have seen how"
YouTube Link 2026-01-22T12:00Z [----] followers, [----] engagements
"500k Pension You're Not as Rich as You Think Think a [------] pension pot means a wealthy retirement The numbers tell a different story. Using the 4% withdrawal rule that 500k gives you [-----] a year. Add the full State Pension at [-----] and you're looking at around [-----] total income. According to the PLSA's Retirement Living Standards a comfortable retirement for one person requires [-----] after tax. That means 500k puts you in the moderate category not comfortable. It's solid but it's not rich. Key takeaways: - 500k at 4% withdrawal = [-----] yearly income - Add State Pension = [-----] total - PLSA"
YouTube Link 2026-02-03T19:45Z [----] followers, [---] engagements
"42% of Renters 65-74 Are in Poverty Today Private renting in your 60s and 70s is becoming a poverty trap. Right now 42% of private renters aged 65-74 are in poverty and by [----] that could affect [---] million pensioner households. The full State Pension pays [-----] a year but average rents consume 35% of that income leaving barely enough for essentials. Unlike homeowners private renters have no way to build equity and are stuck paying rent from fixed incomes that can't keep up with rising housing costs. Key facts: - 42% of private renters aged 65-74 currently live in poverty - [---] million"
YouTube Link 2026-01-31T12:00Z [----] followers, [---] engagements
"Dont Opt Out of Your Workplace Pension. Lose 480k by Retirement Thinking about opting out of your workplace pension in your 40s to free up some cash That decision could cost you [------] by the time you retire. The compound effect of losing employer contributions tax relief and investment growth over 20-25 years is enormous. When you opt out you lose your employer's 3% minimum contribution the government's tax relief of at least 20% and decades of compound growth. Even modest monthly contributions of [---] (including employer match) can grow to over [------] by retirement with typical 5% growth."
YouTube Link 2026-01-28T19:00Z [----] followers, [---] engagements
"Pension Fees Could Add [--] Years to Your Work Life Most people have no idea what they're paying in pension fees - and that ignorance can cost you [--] extra years of work. Research from Profile Financial found that high pension charges dramatically extend how long you need to work to reach your retirement goal. New workplace pensions are capped at 0.75% by law but older pensions from before [----] often charge 1.5% to 2% or more. According to Profile Pensions half of the older pensions they review have total charges over 1%. Key takeaways: - Modern workplace pensions are capped at 0.75% maximum -"
YouTube Link 2026-01-27T20:03Z [----] followers, [---] engagements
"Parents gifting homes: The 70k mistake Many parents gift their home to children thinking they'll avoid inheritance tax if they survive [--] years. But continuing to live in the property rent-free triggers Gift with Reservation of Benefit rules keeping the home in your estate regardless of time passed. This means your family could face a 40% inheritance tax bill on the value above [------]. For a [------] home that's [-----] your children shouldn't have to pay. The trap catches most people because they don't realise simply transferring ownership isn't enough. You can watch more about the risks of"
YouTube Link 2026-01-26T20:00Z [----] followers, [----] engagements
"Beware Of Giving Your House To Your Kids [--] Fatal Risks You Need To Watch Out For You've been told to gift your house to your children to protect it from care home fees. But what nobody mentions is that this strategy could destroy your children financially and leave you with nothing. This video walks you through exactly what happens when the council investigates property gifting under the Care Act [----]. We cover the little-known Section [--] liability that makes your children personally responsible for unpaid care charges the enforcement process councils use to recover money and the catastrophic"
YouTube Link 2026-01-18T17:00Z [----] followers, [---] engagements
"Universal Credit Changes 2026: Who Wins [---] and Who Loses [----] a Year [--] million households face major Universal Credit changes from April [----]. Some will gain [---] a year - others will lose [----]. Here's exactly who wins and who loses. Most people just "check their Universal Credit payment." But today I'm going to show you how to perform what the DWP calls an LCW Assessment - that's Limited Capability for Work - which is just a way of asking: "Do I qualify for the health element and should I claim it before the April [----] deadline" From my time advising large organisations I've seen how what"
YouTube Link 2025-10-26T19:00Z [----] followers, 75.9K engagements
"4% Withdrawal Rule Updated to 3.9% The famous 4% retirement withdrawal rule has been updated. Morningstar's [----] research recommends a 3.9% safe withdrawal rate for retirees seeking consistent inflation-adjusted spending over a 30-year retirement. While 0.1% might seem small it adds up. On a [------] pension pot you're looking at [---] less per year - [-----] instead of [-----]. The change reflects forward-looking return expectations and longer retirement horizons. Key takeaways: - The traditional 4% rule is now 3.9% based on current market conditions - This rate assumes a 90% probability your money"
YouTube Link 2026-02-12T12:00Z [----] followers, [---] engagements
"You Will Have Two Retirements - Healthy & Unhealthy Be prepared Your two retirements explained - why you need completely different plans for your healthy years and your later years in retirement. Most people plan retirement as if it's one long phase with steady spending. The ONS data tells a different story. At age [--] you have roughly [--] years of healthy life expectancy - what we call Strategic Phase Planning which is just a fancy way of saying you need to treat your go-go years and your slow-go years as two separate retirements with different spending strategies. With over [--] years of"
YouTube Link 2026-02-08T15:00Z [----] followers, [---] engagements
"Will The State Pension Exist In The Future - What They're Not Telling You Will the State Pension still be there when you retire Here's what's really happening and what you need to do now. You're paying National Insurance every month hearing about the triple lock being unsustainable and pension ages rising to [--] or beyond. So you're rightly asking: are you paying into a system that won't exist when you finally retire Today I'm going to show you how to perform what we call a Strategic Audit of the system's sustainability - which is just a way of asking: "Is the State Pension safe and what does"
YouTube Link 2026-01-15T17:00Z [----] followers, [---] engagements
"Your Pension at [--] [--] 60: Are You on Track How does your pension pot compare to others your age The latest ONS data reveals the median pension wealth at [--] [--] and [--] and it's probably less than you'd expect. At [--] the typical pension pot is around [-----]. By [--] it's [-----]. And at [--] it reaches about [------]. But here's the problem: according to the PLSA's [----] Retirement Living Standards a single person needs at least [------] for a moderate retirement lifestyle. That's more than double what the average 60-year-old has saved. Key takeaways: - Median pension at 40: [-----] - Median pension at 50:"
YouTube Link 2026-02-02T19:45Z [----] followers, [---] engagements
"Pensioner Poverty: Turn Off Heat or Go Broke Age UK research reveals a shocking reality: [--] in [--] pensioners say they'd turn off their heating completely rather than fall into debt. This reflects the scale of pensioner poverty and fuel poverty facing millions this winter. But help is available. The Warm Home Discount provides [---] off electricity bills for those on Pension Credit. Cold Weather Payments give [--] for every week of freezing temperatures. And Pension Credit itself tops up weekly income to [---] for single pensioners - worth [----] yearly on average. Key takeaways: - Warm Home Discount:"
YouTube Link 2026-02-14T19:30Z [----] followers, [---] engagements
"Why Your 60s 70s & 80s Need Different Spending Your retirement spending doesn't stay flat for [--] years. Research shows it follows three distinct phases: the go-go years in your 60s when you're active and spending more the slow-go years in your 70s when spending drops as you slow down and the no-go years in your 80s+ when healthcare rises but overall spending stays lower. According to David Blanchett's research this "retirement spending smile" means your pension withdrawals should adjust with each phase. You can safely take more from your pension in your 60s when you'll actually use it reduce"
YouTube Link 2026-01-29T18:19Z [----] followers, [---] engagements
"How To Answer Your PIP Questions To Win - One PIP Answer Loses You Most Points Theres one question on the PIP form that causes more problems than any other. Most people get it wrong and its costing them money. This video breaks it all down and explains the easiest way to answer the preparing food PIP question properly. If you're confused or worried about how to fill in your PIP form this will help you get it right the first time. The PIP form help you need is right here. Well explain how the D W P actually looks at your answers and what theyre really checking for when they ask about cooking."
YouTube Link 2025-04-27T08:00Z [----] followers, [----] engagements
"Higher Rate Taxpayer Pension Beats ISA by 4k Earning over [-----] You're a higher rate taxpayer and that changes everything about where you should put your money. Pension contributions give you 40% tax relief meaning [-----] invested only costs you [----] out of pocket. Put that same [----] into an ISA and it stays [----]. Your pension starts 67% ahead before a single penny grows. Even when you factor in tax on withdrawals pensions still come out thousands ahead for higher earners. Key takeaways: - Higher rate taxpayers get 40% tax relief on pension contributions - [-----] pension contribution costs just"
YouTube Link 2026-02-05T12:01Z [----] followers, [---] engagements
"Active vs Passive Pension Investment Funds: The Mistake That Drains Your Pot Active or passive pension funds - which one is quietly draining your pot Here's the evidence that might surprise you. Most people have no idea how their workplace pension is actually invested. But today I'm going to show you how to perform what we call a Portfolio Efficiency Audit - which is just a fancy way of checking whether you're paying too much for too little performance. From my time advising employers on their pension schemes I've seen how what the industry calls Active Management Drag - basically the hidden"
YouTube Link 2026-01-13T17:01Z [----] followers, [---] engagements
"31 Billion in Lost Pensions - Is Some Yours Millions of UK workers have lost track of their old pension pots. With [---] million lost pensions worth [----] on average there's [--] billion sitting unclaimed across the country. If you've changed jobs multiple times you could have money you've forgotten about. The good news is finding your lost pensions is straightforward. The government's free Pension Tracing Service searches over [------] pension schemes to reconnect you with your old pots. All you need is your previous employer names. Key takeaways: - [---] million lost pension pots exist in the UK -"
YouTube Link 2026-02-11T12:01Z [----] followers, [---] engagements
"In Your 50s Avoid This 50k Pension Trap Thinking about accessing your pension in your 50s Be careful. There's a rule called the MPAA (Money Purchase Annual Allowance) that slashes your pension contribution limit from [-----] down to just [-----] - and it lasts for life. The MPAA triggers when you take taxable income from your pension before State Pension age. Most people don't know about this until it's too late. The good news Taking your 25% tax-free cash doesn't trigger it. But any other taxable withdrawal does - and once triggered you're stuck at [-----] forever. Subscribe for more retirement"
YouTube Link 2026-01-26T12:13Z [----] followers, [----] engagements
"50k in Premium Bonds: What You'll Really Win Got [-----] in Premium Bonds The prize fund rate is 3.6% but that's the average - not what you'll actually win. The median return is just 3.3% (1650 yearly) and half of all holders win less than that. Real data from [----] shows massive variation. One holder with the maximum [-----] won just [----] (a 2.2% return) while another won [----] (3.85%). The difference Pure luck. Premium Bonds work like a lottery - some win big most win small and the advertised rate is misleading. - Prize fund rate: 3.6% (mean average) - Median return for 50k: 1650/year (3.3%) -"
YouTube Link 2026-02-09T12:01Z [----] followers, [---] engagements
"ISA vs Pension: Which to Fill First Should you max out your ISA or pension first The answer depends on [--] key factors: employer matching your tax rate when you need access and how much you have to invest. This video gives you a simple decision framework that works for most people. Get your employer match first - that's free money. Then consider whether pension tax relief at 20% 40% or 45% beats ISA flexibility. Key takeaways: - Always get your full employer pension match before anything else - Higher rate taxpayers usually benefit more from pensions due to 40% tax relief - ISAs win if you need"
YouTube Link 2026-02-04T12:01Z [----] followers, [---] engagements
"The Pension Investment Mistake In Your 50's That Leaves You With No Money by [--] How to invest your pension in your 50s - the default fund trap explained and how automatic de-risking could be silently costing you thousands. Most people in their 50s have no idea their workplace pension is being quietly moved into lower-risk investments right now. This process is called lifestyling - what we call a Strategic De-Risking Assessment - which is just a fancy way of saying your money is being automatically shifted from growth assets into bonds and cash without you doing anything. Research published in"
YouTube Link 2026-02-10T17:01Z [----] followers, [---] engagements
"Pension Annuity or Drawdown Why Choosing One Is Wrong Should you choose an annuity for security or drawdown for flexibility Most people think it's one or the otherbut there's a smarter approach that gives you both. In this video I walk you through the blended pension strategy where you split your pot between guaranteed income and flexible investments. We also cover a critical update: from April [----] unused drawdown pots will be included in your estate for inheritance tax purposes. Joint-life annuity income is exempt from these new rules making the blended approach even more relevant for tax"
YouTube Link 2026-01-20T17:01Z [----] followers, [----] engagements
"In Your 70s Save 100k IHT With This Rule If you're in your 70s strategic gifting could save your family [------] in inheritance tax. Most people don't realise they have two powerful tools: the [----] annual gift exemption and the 7-year rule for larger gifts. Inheritance tax is charged at 40% on estates over [------]. For example a [------] estate would face a [------] tax bill. But if you gift [------] now and survive seven years that money becomes completely IHT-free - saving your family the full [------]. In your 70s you still have time for the 7-year rule to work in your favour. Key points: - Annual"
YouTube Link 2026-01-30T20:00Z [----] followers, [---] engagements
"Stop Paying Financial Advisors for Retirement Advice Use The Free Options Instead - Save Thousands Only 30% of people take regulated financial advice at retirement - but does that mean the other 70% are making a mistake In this video I explain why you might not need to pay for a financial advisor the free options available to you and how to know whether your situation is simple or complex. This is what I call a Retirement Complexity Assessment - which is just a fancy way of saying working out whether your pension situation needs professional help or whether you can handle it yourself with the"
YouTube Link 2026-02-01T15:01Z [----] followers, [----] engagements
"Premium Bonds Beat Savings for Higher Earners ( Choosing between Premium Bonds at 3.6% or a savings account at 4.5% The answer depends entirely on your tax bracket and personal savings allowance. Basic-rate taxpayers can earn [----] in interest tax-free. Above that they pay 20% tax which drops a 4.5% savings rate to 3.6% - the same as Premium Bonds. But higher-rate taxpayers only get [---] tax-free then pay 40% tax. That 4.5% rate becomes just 2.7% after tax making Premium Bonds' tax-free 3.6% the clear winner. Key points: - Premium Bonds: 3.6% prize fund rate completely tax-free - Top savings"
YouTube Link 2026-02-10T12:01Z [----] followers, [---] engagements
"High Pension Fees Cost You Years of Work Most people don't realise their pension fees are quietly stealing years from their retirement. The government set a 0.75% charge cap on auto-enrolment pensions for a reason - fees above this level can devastate your final pot. Vanguard's [----] analysis revealed the shocking truth. Someone contributing [---] monthly from age [--] to [--] would retire with [------] at 0.5% fees. But increase fees to just 1.5% and that same person gets only [------]. That's [------] less - enough to require working several additional years just to catch up. Key takeaways: -"
YouTube Link 2026-02-11T19:45Z [----] followers, [---] engagements
"Most UK Workers Retire Well Before [--] Here's Why At what age do people actually retire in the UK If you said [--] you're technically rightbut you're also completely wrong. The State Pension age might be [--] but the data shows something very different is happening in practice. a In this video I break down what we call the decumulation phasewhich is just a fancy way of saying when people actually stop working and start drawing their pensions. The gap between the official State Pension age and real retirement ages is widening and it's driven by factors most people don't consider. With over [--] years"
YouTube Link 2026-01-27T17:01Z [----] followers, [----] engagements
"Double Your Money: The Rule of [--] Want to know how fast your pension or savings could double The Rule of [--] is a simple mental maths trick that gives you the answer in seconds. Just divide [--] by your annual growth rate and you'll know how many years it takes for your money to double. At 6% growth your money doubles every [--] years. At 8% every [--] years. The real power comes from repeated doubling [-----] becomes [------] then [------] without adding a penny. That's compound interest in action. - Divide [--] by your growth rate to find your doubling time - At 6% growth money doubles every [--] years - At"
YouTube Link 2026-02-16T19:45Z [----] followers, [---] engagements
"500k Pension Pot at [--] Why Half Could Vanish Before State Pension [--] Phases Retiring at [--] with [------] can your pension pot actually last from [--] to [--] Here's the 3-phase withdrawal strategy that could make it work. Most people assume half a million pounds is more than enough to retire on. But retiring at [--] means funding a 7-year gap before State Pension kicks in at [--] and that gap alone could cost you [------]. In this video I perform a full strategic audit of a [------] pension pot showing you exactly how withdrawals could work across the go-go slow-go and no-go phases of retirement the tax"
YouTube Link 2026-02-15T19:00Z [----] followers, [----] engagements
"People Are Rethinking Their Retirement Strategy in [----] [--] Traps To Watch Pension strategy rethinking [--] forces that have changed the rules and what to do about them. FCA data shows [----] billion was pulled from pensions in a single year with 45% of people making major withdrawal decisions without financial advice. The inheritance tax changes from April [----] frozen Personal Allowances squeezing pensioners through fiscal drag the breakdown of the traditional 60/40 portfolio and unsustainable withdrawal rates are all converging at the same time. This video breaks down exactly what has changed why"
YouTube Link 2026-02-17T19:00Z [----] followers, [----] engagements
"2027 IHT Shock: Pensions Lose Tax Shelter A major tax change is coming in April [----] that will affect millions of people with pension savings. For the first time unused pension pots will be included in your estate for inheritance tax purposes meaning they could be taxed at 40%. Currently pensions sit outside your estate and have been a tax-efficient way to pass wealth to your family. But from [--] April [----] they'll be treated like any other asset. If your estate exceeds [------] (or [--] million for couples) you'll pay 40% IHT. Worse still if you die over [--] beneficiaries could face both inheritance"
YouTube Link 2026-02-04T20:02Z [----] followers, [----] engagements
"Dont Get Scammed Out Of Your Pension - Watch out For These Tricks and Words Saq Hussain UK Pensions Retirement Planning UK Pension Pot Financial Education Retirement Income UK Finance National Living Pension How to retire early UK Pension advice UK pension scam warning words UK how to spot pension fraud free pension review scam pension liberation fraud explained verify pension adviser FCA overseas pension transfer scam pension scam protection checklist is my pension adviser legitimate how scammers steal pensions Saq Hussain UK Pensions Retirement Planning UK Pension Pot Financial Education"
YouTube Link 2026-02-03T17:01Z [----] followers, [---] engagements
"In Your 60s Working State Pension Tax Trap If you're in your 60s and still working claiming your State Pension could push you into the higher tax band. This means paying 40% tax instead of 20% on part of your income - potentially costing you hundreds of pounds a year. For example if you earn [-----] and claim the full State Pension (12548 in 2026/27) your total income becomes [-----]. That pushes [----] over the [-----] higher rate threshold costing you an extra [---] in tax. Key takeaways: - State Pension is taxable income and counts towards your total - Higher rate tax kicks in at [-----] total income"
YouTube Link 2026-02-13T19:45Z [----] followers, [---] engagements
"Why Most Mental Health PIP Claims Fail Struggling to get PIP for mental health This video gives you real experience-based advice on how to improve your chances of a successful PIP claim when you dont have a physical disability only mental health challenges. Thousands of people are rejected each year because their forms dont show how their mental health affects daily life. But with the right approach you can absolutely get the support you need. In this video we break down each part of the PIP form and explain how conditions like anxiety depression PTSD or OCD can affect everyday tasks. We go"
YouTube Link 2025-04-17T16:10Z [----] followers, [---] engagements
"Renting Vs Buying What's Better For You Are you stuck wondering whether Renting vs Buying: Whats Better for You In this video well break down everything you need to know to make an informed decision. Whether you're thinking of buying your first home or just trying to figure out if renting makes more sense well look at the pros and cons of both options. You'll find out how renting offers flexibility while buying a home gives you stability and potential for investment. Understanding the costs the financial impact and your lifestyle preferences will help you choose the right path. The choice"
YouTube Link 2025-05-27T08:00Z [----] followers, [--] engagements
"Debt Types You Must Know Before Borrowing Do you know the difference between the various types of debt This video explains the most common types of debt that people deal with and helps you understand how each one works so you can manage your money better and avoid costly mistakes. We start by looking at secured vs unsecured debt. A secured debt is backed by something valuable like a house or a car and if you can't pay it back you might lose that item. Unsecured debts like credit cards and personal loans dont require assets but often come with high interest rates. Next we explain the"
YouTube Link 2025-05-04T15:00Z [----] followers, [--] engagements
"Never Keep All Your Money in One Bank (Here's Why) You'll protect yourself from losing [-----] or more by understanding how UK banks really work with FSCS protection. By the end of this video you'll know exactly why having multiple bank accounts isn't paranoid - it's smart money management. I reveal which UK banking brands secretly share licences - where you think your money's protected twice but it isn't. HSBC and HSBC First Direct share the same licence meaning your [-----] deposit protection covers both combined not separately. The same goes for Lloyd's Halifax and Bank of Scotland. You'll"
YouTube Link 2025-09-19T18:00Z [----] followers, [--] engagements
"The Emergency Fund Formula That Actually Works How much do you really need in your emergency fund This video answers that question clearly by breaking down the key factors that affect your savings target and giving you simple ways to set the right goal. Well begin by looking at the factors that affect your savings target. Your monthly expenses job security and whether you have dependants all play a role. Many experts recommend saving enough to cover three to six months of essential costs just in case you lose your income or face a major bill. Next we explain how to use a percentage of your"
YouTube Link 2025-05-03T18:00Z [----] followers, [--] engagements
"My Nightmare PIP Interview Experience Facing a PIP assessment can be scary especially after hearing nightmare stories like the one shared in this video. If you are worried about a PIP interview wondering what really happens or want to know the tricks that sometimes get used youll find real help here. Learn what to expect what unfair tactics might appear and how to protect yourself. Thousands of people go through a PIP assessment each year. Many are treated fairly but sadly too many have a PIP experience that feels rushed unfair or just wrong. This video shows the reality of a difficult"
YouTube Link 2025-04-29T09:00Z [----] followers, [---] engagements
"Avoid These PIP Mistakes Or Youll Be Refused If your PIP application has been refused and you dont understand why this video will help you get some real answers. Youll find out the real reason your PIP claim got rejected and what you can do differently next time to improve your chances. From the wording on your forms to how you answer questions in your assessment every detail matters. And in this video youll see exactly what those details are. Thousands of claims are refused every year not because people arent struggling but because their forms dont match the PIP points system used by the D W"
YouTube Link 2025-04-24T07:34Z [----] followers, [--] engagements
"Is it possible to retire on 25K in the UK Worried that [-----] isn't enough for retirement Think again Thousands of UK retirees are proving every single day that you can live comfortably on this amount - and I'm about to show you exactly how they're doing it. This isn't about scraping by or cutting out everything you love it's about smart retirement planning that actually works. Here's what'll blow your mind - nearly 40% of UK pensioners are already managing on less than 25K per year and many are genuinely happy with their retirement lifestyle. The trick isn't having a massive pension pot it's"
YouTube Link 2025-07-18T10:30Z [----] followers, [--] engagements
"Could AI soon create the first one-person billion-dollar company Could AI soon create the first one-person billion-dollar company Discover how AI is reshaping business and teamwork as we know it. #ArtificialIntelligence #AIRevolution #FutureOfWork #TechInnovation #ChatGPT #shorts"
YouTube Link 2025-05-19T19:02Z [----] followers, [---] engagements
"How To Insure Your Home A Quick Guide Are you wondering how to insure your home In this quick guide well show you exactly how to secure your property with the right insurance coverage. Well cover everything from the types of home insurance policies to how much coverage you need and tips for choosing the best insurance provider. Protecting your home is one of the most important decisions you can make dont leave it to chance Home insurance is essential for anyone who owns a property. Whether you're a first-time buyer or a long-time homeowner understanding what type of coverage you need and how"
YouTube Link 2025-05-28T08:00Z [----] followers, [--] engagements
"Pay Mortgage or Invest: Here is What You Need To Do Making the right choice between mortgage overpayment and investing isn't just about comparing returns - it's about making the tax system work in your favour. With mortgage rates sitting around 5% and the ISA allowance at [-----] the decision becomes much more nuanced when you factor in tax relief. This video breaks down the tax efficient investing strategies that most people completely miss. If you're a higher rate taxpayer earning over [-----] you could be missing out on thousands in pension tax relief - getting 40% back on every contribution"
YouTube Link 2025-09-24T11:00Z [----] followers, [---] engagements
"Is immigration making you poorer How is immigration reshaping the UK economy Discover why this unexpected factor is becoming a major driver of change. Are we ready for it #ImmigrationImpact #UKEconomy #EconomicTrends #PopulationGrowth #GarysEconomics"
YouTube Link 2025-05-03T13:40Z [----] followers, [----] engagements
"Tips on how to afford to retire early Think early retirement is just a pipe dream Think again This essential retirement planning guide reveals six game-changing strategies that can help you escape the 9-to-5 grind years before your peers. Whether you're [--] or [--] these proven financial independence techniques can dramatically accelerate your journey to freedom. Learn exactly how ordinary British workers are achieving early retirement without sacrificing their quality of life. The foundation of any successful retirement planning strategy starts with your workplace pension - but most people are"
YouTube Link 2025-07-15T08:26Z [----] followers, [---] engagements
"How To Manage The Stress Of Claiming PIP Feeling stressed about claiming Personal Independence Payment This video will show you exactly how to manage the stress of claiming PIP with simple practical tips you can use today. Claiming PIP can feel heavy and confusing but we explain how to stay calm organised and confident through the whole process. Whether you are new to it or have tried before there is advice here for you. Dealing with PIP stress can make everything seem ten times harder. From filling out forms to preparing for assessments it is normal to feel overwhelmed. That is why we cover"
YouTube Link 2025-05-06T09:00Z [----] followers, [--] engagements
"My Health Got Worse Heres What PIP Did If you have been wondering what happens if your health gets worse while you are on PIP then this video is for you. We break down what to do when your condition changes how to report it and what support you could get. From explaining the PIP changes to showing what the DWP health change process looks like everything is covered here. In this video we talk about how reporting a worsening condition could lead to a PIP higher award. You could move from a standard to an enhanced rate for daily living PIP or mobility PIP. We also cover what happens when you"
YouTube Link 2025-05-06T08:00Z [----] followers, [--] engagements
"The one secret to make you more money Struggling with money in a cost of living crisis Discover why investing in yourself and building assets is the key to financial freedom. Ready to earn more #FinancialFreedom #InvestInYourself #MoneyTips #CostOfLivingCrisis #BuildAssets"
YouTube Link 2025-04-21T11:38Z [----] followers, [----] engagements
"This Type of Debt Could Ruin Someones Life This video reveals the one type of debt that ruins more lives than any other. If youve ever thought about using payday loans or have been tempted by buy now pay later deals you need to watch this before making any decisions. The risks are real and well show you just how dangerous these types of borrowing can be. From high interest debt to unaffordable credit were laying it all bare so you can stay safe and protect your finances. Across the UK millions of people are stuck in debt they cant afford to pay back. It often starts small [---] here [---] there"
YouTube Link 2025-05-11T08:00Z [----] followers, [--] engagements
"How to beat an AI checker and make your writing sound human AI tools like ChatGPT are great for speed but if you're publishing content online there's a catch. Most AI checkers can now spot text thats been written by artificial intelligence and that could hurt your rankings reduce trust or even get your content rejected. In this video I show you exactly how to beat the big-name AI writers like ChatGPT Claude and Gemini. Youll learn how to edit AI-generated articles so they sound like they were written by a real person not a robot. This means your content is more likely to pass AI detectors"
YouTube Link 2025-05-08T21:01Z [----] followers, [--] engagements
"The Real Reason You Lost Your PIP Claim in [----] Description for Youtube Too many people lose out on Personal Independence Payment simply because of how they describe their condition on the form or in the assessment. In this video youll learn exactly what words to avoid and how to explain your struggles clearly safely and truthfully. Whether you're dealing with severe arthritis mobility issues or chronic fatigue the way you phrase things can either win or lose your case. If youve ever said sometimes I can or yes but it hurts you might be losing out on essential points. This video explains why"
YouTube Link 2025-04-17T14:45Z [---] followers, [--] engagements
"5 easy ways to make extra money You're leaving money on the table every single day. In this video I'm sharing [--] practical ways to make extra money that anyone can start right now PLUS a bonus tip at the end that turns your hobby into profit. We'll cover selling items you don't use freelancing your skills online renting out your assets using cashback apps and surveys effectively and flexible delivery or driving gigs. The bonus tip shows you how to build a side hustle around something you actually enjoy doing. Whether you need a few extra hundred pounds a month or want to build a serious side"
YouTube Link 2025-10-16T20:00Z [----] followers, [--] engagements
"Surprising Truth About Working While on PIP Can you work and still get PIP Yes and this video explains exactly how. Many people think starting work will stop them getting Personal Independence Payment but thats simply not true. In fact PIP and work can go hand-in-hand as long as you understand what the D W P is actually looking for. This video will show you how to make sure your claim reflects your needs properly even if youve got a job. PIP is not based on income. Its based on how your health condition or disability affects your everyday life. Whether youre working full-time part-time or"
YouTube Link 2025-05-07T08:00Z [----] followers, [---] engagements
"Stop Overpaying for Petrol 🚗💰 I found a simple way to save over [---] a year on petrol without changing how I drive Use the free app 'Petrol Prices' to find the cheapest fuel nearby. Don't fall into the trap of filling up at the nearest station #MoneyHacks #SaveMoney #PetrolPrices"
YouTube Link 2025-05-02T19:00Z [----] followers, [---] engagements
"Why Does Budgeting Make Life Easier Think budgeting is too hard or only for people struggling with money Think again. In this video we break down the budgeting basics and show how anyone no matter their income can take control of their finances. Well start with the reasons to use a budget and how it can help you manage your money better save for the future and avoid falling into debt. Whether you're aiming to pay off bills plan for a holiday or build an emergency fund having a simple budget is the key. Youll also hear some of the biggest budgeting myths like budgets are boring or budgets mean"
YouTube Link 2025-05-03T14:59Z [----] followers, [--] engagements
"1 easy trick to reduce your monthly subscription costs We talk about how many people are still paying for subscriptions they don't use. The trick is to check your bank app for anything marked as recurring and cancel anything you don't recognize. Some banks even list your subscriptions for you and there are free apps like Snoop or Emma that can track it all for you. One person found they were paying [--] pounds a month for apps they forgot existed which had been happening for [--] months resulting in hundreds of wasted cash. Cutting these unnecessary subscriptions can save you a lot of money this"
YouTube Link 2025-05-04T20:50Z [----] followers, [---] engagements
"The Most Common Way People Fall Into Debt Many people fall into debt without realising it until its too late. This video explains the most common way people fall into debt and how to spot the warning signs early. Its easy to assume debt comes from big spending or poor choices but the truth is far more common and much more relatable. Everyday spending especially with credit card debt overdraft debt or buy now pay later deals can quietly turn into long-term financial trouble. With interest building and repayments piling up its no surprise so many face money worries. Millions of people in the U"
YouTube Link 2025-05-11T08:00Z [----] followers, [--] engagements
"Stop Overspending: Track Your Spending From Day One If you want your budget to work you need to start by tracking your spending. This video shows you exactly how to monitor what you spend find areas to cut back and avoid common mistakes that catch people out early on. Well begin by exploring tools to track your spending from simple spreadsheets to apps that update automatically. These tools help you stay organised by showing you what youve spent and whats left in each category. Once you're tracking your money it becomes easier to spot areas where youre overspending. Youll learn how to look"
YouTube Link 2025-05-03T15:18Z [----] followers, [--] engagements
"What Most People Dont Know About Credit Scores Do you know what most people dont know about credit scores In this video well uncover the secrets behind credit scores and show you how understanding them can unlock better financial opportunities. Whether you're looking to apply for a loan mortgage or simply want to improve your financial health understanding what affects your credit score is crucial. Stick with us and well break it all down in simple terms so you can take control of your financial future. Your credit score is more than just a number. It represents how reliable you are at paying"
YouTube Link 2025-05-16T08:00Z [----] followers, [--] engagements
"A Budget Plan That Helped Someone Escape Debt Want to know the budget plan that helped someone escape debt completely This video shows you a simple budgeting method that actually works using a practical and easy-to-follow system. Youll learn how to track your spending break your money into clear sections and finally stop living month to month. If you're tired of money stress and want real change youre in the right place. This isnt about earning more its about using what you already have in a smarter way. The budget plan shared in this video is based on a real example. It includes tools like"
YouTube Link 2025-05-18T08:00Z [----] followers, [--] engagements
"Should You Remortgage When Its The Right Time Wondering if it's the right time to remortgage This video explains exactly when to remortgage and why getting the timing right can save you a huge amount of money. Whether your fixed rate ending soon or youre stuck on a standard variable rate this guide lays out what to do and when. Learn how to spot the signs that its time for a mortgage switch. If your mortgage deal is ending in the next few months thats often the best time to act. You dont need to wait until the very last second. Acting early can help you avoid slipping onto a variable mortgage"
YouTube Link 2025-05-26T08:00Z [----] followers, [--] engagements
"How To Stay Calm During Your PIP Assessment Feeling nervous about your PIP assessment You are not alone. In this video about PIP assessment we will share simple ways to stay calm and prepared. Learn how to manage your nerves with easy steps before during and after your appointment. Whether you are worried about forgetting what to say or feeling overwhelmed our calming tips will help. We will talk through how to use calming techniques for PIP how to plan ahead for your PIP face-to-face assessment and what small changes can make a big difference. You will also hear about how breathing exercises"
YouTube Link 2025-04-29T08:00Z [----] followers, [--] engagements
"Do This Before Sending Your PIP Form When you're about to send off your PIP form there are a few things you need to do first to ensure everything goes smoothly. In this video we're going to show you exactly what steps you should take before submitting your PIP application. Getting your Personal Independence Payment claim right is crucial and by following these steps you can avoid mistakes and increase your chances of a successful claim. The PIP form can be confusing but don't worry Well help you through it step-by-step from filling out each section to collecting the right evidence. You might"
YouTube Link 2025-05-09T08:00Z [----] followers, [--] engagements
"How the Rich Turn Wealth Into a Black Hole Why is wealth vanishing from the middle class while the rich keep getting richer Discover the hidden forces behind this growing economic divide. #WealthInequality #MiddleClassCrisis #EconomicDivide #PassiveIncome #FinancialLiteracy #shorts"
YouTube Link 2025-05-05T11:17Z [----] followers, [---] engagements
"Should we tax the rich and then burn the money What if we taxed the richest and simply burned the money Could this bold move improve life for everyone else Lets rethink wealth and fairness. #TaxTheRich #WealthInequality #EconomicJustice #FairTaxation #SocialImpact"
YouTube Link 2025-04-20T16:45Z [----] followers, [----] engagements
"Stop Wasting Money on Your Commute [--] Simple Tips That Actually Work Your daily commute is costing you more than you think. In this video I'm sharing [--] proven strategies to slash your commuting costs PLUS a bonus tip at the end that could save you thousands every year. We'll cover carpooling and ride-sharing strategies route optimisation to avoid tolls and traffic vehicle maintenance tips for better fuel efficiency strategic work-from-home scheduling and how to avoid rush hour costs. The bonus tip reveals mileage deductions that most people completely miss. Whether you're driving taking public"
YouTube Link 2025-10-16T12:07Z [----] followers, [---] engagements
"Use equity release to pay off a mortgage You can read more about this topic here: https://helpandadvice.co.uk//equity-release-to-pay-off-mortgage/ Hello In this video we are looking how we can use equity release to pay of your mortgage. Many people are not interested in how to pay off a mortgage early because they have There are many reasons to use equity release but the most common is to provide extra funds when they want to do something like pay for a trip or give money to their children etc. Since this involves borrowing against your property then the only people who should consider it are"
YouTube Link 2022-08-03T17:09Z [----] followers, [---] engagements
"Debt Consolidation Explained For UK Borrowers Struggling with multiple debts Want to simplify your financial life and save money This video on debt consolidation explains how UK borrowers can combine their debts into one manageable payment. Discover the benefits and drawbacks of debt consolidation to see if it's the right choice for you. Debt consolidation can make managing your debt easier by combining multiple payments into a single payment. Learn about different options including debt consolidation loans balance transfer credit cards and debt management plans (D M P). Find out if you"
YouTube Link 2024-09-15T18:37Z [---] followers, [---] engagements
"Why Your PIP Could Be Stopped Today Without Warning Thousands of people are losing their PIP payments and they dont even know why. This video explains whats really going on what you need to look out for and how to stop it from happening to you. If your PIP stopped or you're scared it might this video is packed with must-know advice. With changes in how the D W P PIP rules are being applied this is one video you dont want to miss. In the past year more reviews have turned into reassessments even for people on long-term PIP. A light touch review PIP was meant to be simple but its now becoming a"
YouTube Link 2025-04-25T21:21Z [----] followers, [--] engagements
"Save [--] when filing your petrol tank with this one trick We talk about how you can save money on petrol by using a free app called Petrol Prices to find the cheapest fuel near you filling up midweek instead of weekends and avoiding premium fuel unless your engine requires it. These simple changes can save you over [---] a year without changing your driving habits"
YouTube Link 2025-05-03T18:19Z [----] followers, [---] engagements
"Why the PIP Changes Are Bad News for Mental Health Claims The PIP four-point rule starting in [----] will devastate mental health claimants by requiring four points in a single daily living activity instead of combining points across multiple areas. This comprehensive analysis reveals how the government's own scoring system mathematically proves this rule targets depression anxiety and other mental health conditions. Most mental health claimants score only one to two points per activity meaning they'll lose all funding despite unchanged needs. We examine each daily living activity explain why"
YouTube Link 2025-08-22T19:55Z [----] followers, [--] engagements
"How to Make a Money Plan That Actually Works Struggling to figure out where your money goes every month This video will guide you through setting up a simple money plan that actually works. Well show you how to list your income and expenses so you know exactly how much youve got coming in and where its being spent. From jobs and allowances to bills and shopping every bit counts. A clear list is the first step to better money decisions. Once thats done well explain how to prioritise your spending categories. Essential costs like rent and food come first then you can look at saving and spending"
YouTube Link 2025-05-03T15:05Z [----] followers, [--] engagements
"The Real Reason Some People Stay In Debt Is debt always your fault Not quite. In this video you'll find out the real reason some people stay in debt and why getting out feels almost impossible for millions. If you're tired of never seeing your balance go down no matter how hard you try you need to see this. It's not just about budgeting harder it's about knowing whats really keeping you stuck. Many people in the UK are stuck in a debt cycle explained by rising costs flat wages and unexpected expenses. It often starts small a car repair a late paycheck or an energy bill thats just too high."
YouTube Link 2025-05-10T08:00Z [----] followers, [--] engagements
"Can an Emergency Fund Save Your Day Not sure what an emergency fund is or why it matters This video breaks down the basics and explains why having one is a key part of smart financial planning. We start with the definition and purpose of an emergency fund. Its a pot of money set aside for unexpected expenses like car repairs medical bills or losing your job. Instead of going into debt or using a credit card you can use your emergency savings to stay financially stable. Next we go through real-life examples of where an emergency fund can help. From job loss support to illness or damage from"
YouTube Link 2025-05-03T17:00Z [----] followers, [--] engagements
"Five Tips To Get Out of Debt Fast Struggling with debt and want to become debt-free faster Getting out of debt doesn't have to take decadeswith the right debt management strategies you can pay off your debts years earlier and save thousands of pounds in interest. In this video discover five proven tips to eliminate debt quickly in the UK. Learn about the debt avalanche method for maximum interest savings how to negotiate lower rates with creditors using balance transfer cards strategically creating a budget that accelerates debt repayment and increasing your income to pay off debt faster."
YouTube Link 2025-10-17T10:38Z [----] followers, [---] engagements
"New PIP Rules Could Leave You With Nothing There could be a huge change coming to PIP and its something every claimant needs to know about. The government has released a new green paper with a number of proposed changes some positive some worrying and one in particular that could cut support for thousands. In this video we go through the full list of updates from the DWP consultation. Well explain exactly whats being proposed whats staying the same and how it could affect you or someone you care about. One rule could mean you lose your daily living payment unless you get four points in a"
YouTube Link 2025-04-09T15:26Z [---] followers, [--] engagements
"IVA vs Bankruptcy One May Be Worse Than The Other Choosing between IVA and Bankruptcy can feel overwhelming but this video breaks it down simply and clearly. If you're in debt and unsure which path to take well explain exactly what each option means how they work and which one could end up costing you more in money and stress. Thousands of people in the UK are choosing between an Individual Voluntary Arrangement or declaring Bankruptcy but not everyone is told the full story. We explore the key differences between an IVA and Bankruptcy including how long each one lasts what they mean for your"
YouTube Link 2025-05-18T08:01Z [----] followers, [--] engagements
"How National Insurance Works In The UK Ever wondered how National Insurance works and why it's important This video breaks down everything you need to know about National Insurance in the UK. From understanding your National Insurance contributions to figuring out what benefits you get we've got it all covered. If youre employed self-employed or even not working this video will help you understand your National Insurance better. National Insurance is a key part of the UK's welfare system funding things like State Pensions and the NHS. Starting from the basics we will explain National"
YouTube Link 2024-09-15T18:44Z [----] followers, [---] engagements
"What To Do If Bailiffs Knock At The Door When bailiffs knock at the door it can feel frightening and overwhelming. But this video gives you the exact steps to follow to stay safe protect your belongings and deal with the situation calmly. Whether youre facing bailiffs at the door for council tax fines or unpaid debt youll learn what to do straight away. We explain your rights including how to handle UK bailiff laws and what powers enforcement agents really have. Its packed with real advice so you wont be left guessing. If youre unsure about things like the controlled goods agreement or youve"
YouTube Link 2025-05-19T08:00Z [----] followers, [---] engagements
"How much is the state pension in [----] The state pension has gone up from April [----] but what does that really mean for you In this video we break down how much the new state pension is in [----] what the current UK state pension rates are and what you can do if youre not getting the full amount. Youll learn how to check your national insurance record fill in any missing pension years and claim the money youre entitled to. Well explain how the triple lock pension works why it led to a 4.1% rise this year and whether its likely to continue in future. With the state pension costing over 124"
YouTube Link 2025-04-14T19:48Z [---] followers, [--] engagements
"Do we tax rich people enough We discuss the difficulty of taxing the wealthy but argue that it is a necessary and important task to protect ordinary families and prevent their children from living in poverty. We acknowledge the challenge but emphasize that sometimes we must do difficult things for the greater good of society"
YouTube Link 2025-05-16T08:20Z [----] followers, [---] engagements
"Why Most People Never Feel "Rich Why do we struggle to manage money even when we know its key to a rich life Discover the psychology behind financial habits and how anyone can improve. #PersonalFinance #MoneyMindset #FinancialLiteracy #WealthBuilding #PsychologyOfMoney #shorts"
YouTube Link 2025-05-02T18:07Z [----] followers, [----] engagements
"Fame Pressure & Mental Health: My Truth Can you handle the pressure of fame and criticism One trader reveals the mental health struggles behind his success and why he waited [--] years to share his story. #MentalHealthMatters #TradingLife #OvercomingChallenges #SuccessStory #FinanceTalk #shorts"
YouTube Link 2025-05-04T19:06Z [----] followers, [---] engagements
"This Small Mistake Can Damage A Credit Score Did you know that one small mistake can damage your credit score In this video well show you how seemingly tiny errors can have a major impact on your credit rating and what you can do to prevent them. Your credit score plays a huge role in getting loans mortgages and even renting a place. Were going to walk you through common credit score mistakes and explain how you can avoid them. Many people dont realise how simple things can affect their credit score. For example failing to keep your personal information up to date with credit agencies can"
YouTube Link 2025-05-16T08:01Z [----] followers, [--] engagements
"What Is The Small Pension Pot Consolidator Millions of workers across the country are set to benefit from a brand new change in how pensions are managed. The small pot consolidator is being introduced to help combine all those forgotten small pension pots that people pick up from job to job into one simple and manageable pension pot. This video explains how the pension consolidator will work who it affects and why its a big win for savers. With over [--] million small pension pots already out there and that number growing by around a million a year it's clear something needed to be done. The"
YouTube Link 2025-04-24T13:53Z [----] followers, [--] engagements
"A Story of Someone Who Faced 20k in Debt This video shares a true and powerful story of someone who faced [-----] in debt and found a way out. It covers exactly how the debt built up how it felt living under the pressure and most importantly how they found real help to break free. If youre facing something similar this video could be the turning point. Watch to the end to hear how things changed for good. The story takes you through how debt slowly added up starting from one card to twelve different payments. It shows how quickly things can spiral especially when youre trying to keep up"
YouTube Link 2025-05-12T08:00Z [----] followers, [--] engagements
"5 Easy Ways To Boost Your State Pension (these work) The full UK State Pension currently pays [------] a week which is barely enough to cover basic living costs in retirement. But most people don't realize they're leaving thousands of pounds on the table simply by not taking five straightforward actions. I've helped people boost their State Pension by over [----] by following these exact steps and they're not complicated. In this video I break down the five most effective ways to increase your State Pension starting with filling gaps in your National Insurance record. Each missing year costs you"
YouTube Link 2025-10-10T11:58Z [----] followers, [---] engagements
"This is Why the Rich Keep Getting Richer Should earning over 10M mean higher taxes or does that punish success Dive into the debate on wealth fairness and what past generations really paid. What do you think #WealthTax #TaxDebate #EconomicJustice #FinanceTalk #MoneyMatters"
YouTube Link 2025-04-20T09:55Z [----] followers, [---] engagements
"What PIP Assessors Are Really Looking For Want to know what PIP assessors are really looking for This video breaks it down in a way that actually makes sense. If you're claiming PIP or about to attend a PIP assessment this is exactly what you need to hear. We explain how Personal Independence Payment works what the D W P cares about most and why your daily living challenges matter more than your diagnosis. PIP isnt based on a label or a condition its based on how your condition affects your life. Thats why knowing how to explain your situation is so important. Whether youve got a chronic"
YouTube Link 2025-04-27T09:00Z [----] followers, [--] engagements
"How Credit Card Debt Can Spiral Out of Control Credit card debt can spiral out of control faster than you think. In this video well show you exactly how credit card debt can grow and what steps you can take to avoid the common mistakes that lead to mounting debt. Well explain how missing payments and only paying the minimum balance can turn a small debt into something much bigger. If youve ever wondered how credit card debt seems to sneak up on people this video is for you. Well break down the reasons why people fall into the trap and give you actionable advice on how to prevent it from"
YouTube Link 2025-05-12T08:00Z [----] followers, [--] engagements
"Should You Save or Pay Off Your Credit Cards Struggling with the impossible choice between paying down credit card debt or building emergency savings Tired of conflicting financial advice that doesn't factor in UK interest rates You're literally losing money every month you get this wrong. The debt vs savings dilemma keeps millions stuck. You've got credit card interest at 27% eating away at your finances while savings accounts offer measly returns. Meanwhile everyone preaches about emergency fund importance but nobody explains the debt repayment order that actually works. Here's what's"
YouTube Link 2025-09-17T19:00Z [----] followers, [--] engagements
"The Harsh Truth About Getting Rich Want to know the real secret to getting rich It might not be what you expect. Hint: it starts with discipline beyond just money. Ready to hear more #WealthBuilding #MoneyMindset #FinancialFreedom #SuccessTips #GetRich #shorts"
YouTube Link 2025-05-18T17:02Z [----] followers, [----] engagements
"Outsmarting Exchange Rates Abroad Want to avoid huge exchange fees when spending abroad Discover how certain cards give you near-perfect rates plus cashbacksaving you money every trip #TravelTips #MoneySaving #CurrencyExchange #TravelHacks #CashbackRewards"
YouTube Link 2025-04-19T12:45Z [----] followers, [----] engagements
"Who got rich during covid We discuss how the government's massive spending during the COVID-19 pandemic has led to a significant increase in the national deficit with the UK government deficit reaching [--] trillion pounds and the US deficit reaching $14 trillion. We explore how this unprecedented level of government spending has disproportionately benefited the wealthy as the money given to workers to pay their bills ultimately ends up in the hands of the rich who are unable to spend it due to lockdown restrictions"
YouTube Link 2025-05-06T12:39Z [----] followers, [----] engagements
"What To Say When Scared Of Debt Collectors Dealing with debt collectors can be terrifying especially when youre unsure what to say or do. If youre feeling scared or overwhelmed dont worry youre not alone. In this video well show you exactly what to say to debt collectors and explain how to manage the situation without letting fear take over. Whether you're dealing with persistent calls or worrying about your rights weve got practical advice to help you stay calm and take control. When youre first contacted by debt collectors its important to stay calm and know your rights. Remember they must"
YouTube Link 2025-05-17T08:01Z [----] followers, [--] engagements
"Are the rich making you poorer We talk about the potential for a clear simple economic-political message that the reason we are getting poorer is because of the massive growth in inequality. We need to stop this inequality from growing in order to fix the issue of worsening living standards"
YouTube Link 2025-05-04T19:24Z [----] followers, [---] engagements
"How to Fix and Improve Your Budget Made your first budget and not sure what to do next This video will show you how to improve it keep it working and adapt when life changes. Budgets are not one-and-done they grow with you. Well start by looking at how to adjust your budget for unexpected changes. Things like car repairs or surprise bills happen all the time and your budget needs to be ready. Setting up an emergency fund is a smart move to avoid getting off track. Then we move on to adding new budget categories as your needs change. Whether its a new hobby family costs or school supplies its"
YouTube Link 2025-05-03T15:21Z [----] followers, [--] engagements
"Are we taxed too much in the uk We discuss how the low-tax environment in Dubai has attracted some of the world's most talented people to build technology companies there creating a thriving entrepreneurial community that is rivaling even the US. We hear stories of fitness trainers and entrepreneurs who have found great success and financial freedom in Dubai due to the favorable tax policies"
YouTube Link 2025-05-15T15:34Z [----] followers, [----] engagements
"This Simple Mistake Can Ruin Your PIP Application Theres one mistake that can ruin your PIP application and thousands of people make it every year without even knowing. If you want the best chance of getting Personal Independence Payment this video shows exactly what to do and what not to do. PIP application mistake is something you dont want to make and the fix is simple once you know what to look for. Too many claims are refused because people try to stay positive or downplay their struggles. The PIP claim error can be something as small as ticking the wrong box or forgetting to explain"
YouTube Link 2025-04-24T07:40Z [----] followers, [--] engagements
"Should You Retire Later Than Normal (It might be worth it) Should you work past [--] The answer depends entirely on what type of work you do. This video breaks down the hard truth about late retirement based on your actual job type not generic advice. We explore research showing manual workers face double the health risks continuing past [--] with physical work creating serious strain on ageing bodies. Meanwhile office workers often benefit from working longer with improved mental health and cognitive function. You'll discover why healthy working life in England averages just [---] years from age"
YouTube Link 2025-11-03T17:00Z [----] followers, [---] engagements
"The TRUTH About Negotiating Your Salary Want to earn more but nervous about asking for a pay rise You're not alone. Many UK workers avoid salary negotiations and miss out on thousands of pounds each year simply because they don't know how to ask effectively. In this video discover five proven tips to negotiate a better salary in the UK job market. Learn how to research your market value using UK salary data document your achievements with concrete examples choose the perfect timing for your conversation practice your pitch with confidence and explore total compensation beyond base salary."
YouTube Link 2025-10-17T18:22Z [----] followers, [--] engagements
"Can You Retire at [--] With 100K In Your Pension Pot Retiring at [--] with [------] in savings sounds like a dream but is it realistic If you're [--] right now with around 100k saved this question probably keeps you up at night. The truth is it's possible but you'll need smart strategies to make it work. This video breaks down exactly what a 100k pension pot provides and reveals the seven-year gap between retiring at [--] and receiving your State Pension at [--]. I've spent over [--] years advising people on retirement planning and I know what actually works with modest savings. The 4% withdrawal rule"
YouTube Link 2025-10-17T11:00Z [----] followers, [----] engagements
"5 Easy Ways to Grow Your Pension Fast Boost your pension savings with these five proven strategies that could add thousands of pounds to your retirement fund. Discover how a simple one percent increase in contributions can make a massive difference over time. Learn why employer matching is free money you can't afford to miss and how salary sacrifice could save you hundreds in National Insurance. Find out why consolidating old pensions matters and how reviewing your investment choices could accelerate your pension growth. Plus get expert advice on maximizing your annual allowance to take full"
YouTube Link 2025-10-19T11:39Z [----] followers, [---] engagements
"Five Ways To Save [----] in Six Months Want to save [----] but don't know where to start Most people think saving requires massive sacrifices but the truth is it's completely achievable with a few simple changes. In this video discover five practical ways to save [----] s in just six months. Learn how to automate your savings use the 24-hour rule to stop impulse purchases sell unused items around your house switch providers to save hundreds and get a bonus tip about rounding up spending. These aren't complicated strategiesthey're simple actionable steps anyone can implement today. Whether you're"
YouTube Link 2025-10-18T19:00Z [----] followers, [---] engagements
"Should You Take Your Tax-Free Cash At Retirement (probably not in many cases) Should you take your pension tax-free cash It's one of the biggest decisions you'll face when accessing your pension and getting it wrong can cost you thousands. In this video I'll walk you through [--] essential questions that will help you decide whether taking your 25% tax-free lump sum is the right move for your situation. We'll cover what tax-free cash actually is and how it works whether you genuinely need the money right now what you plan to do with it what you're giving up by taking it out how it affects your"
YouTube Link 2025-11-11T17:07Z [----] followers, [---] engagements
"Universal Credit Top-Ups You're Missing (Check Your Account Now) Are you claiming Universal Credit but missing out on extra payments you're entitled to Most people don't realise these top-ups exist or that you have to actively claim them. In this video we reveal the most commonly missed Universal Credit elements: the Carer Element (201.68/month) Childcare Costs (up to 1768.94/month) and Disabled Child payments (up to 495.87/month). None of these are added automatically to your claim. We'll show you exactly what each top-up is worth who qualifies and how to claim them through your Universal"
YouTube Link 2025-10-21T14:59Z [----] followers, [--] engagements
"Inheritance Tax Rules- What people get wrong about the [--] year rule costing 000's Should you use the 7-year rule to reduce your inheritance tax bill Most people think they understand how it works but there's a crucial detail about taper relief that catches almost everyone out. This video walks you through exactly how the 7-year inheritance tax rule actually works including the taper relief misconception that could cost your family [-----] or more. You'll discover why surviving [--] years after making a gift doesn't save what most people think it does and what strategies actually work instead. Key"
YouTube Link 2025-12-02T17:00Z [----] followers, [--] engagements
"What To Expect When You Retire - The [--] Phases of Retirement Life (prepare for the good and bad) Research shows that only 60% of retirees reach the final fulfilling phase of retirement - but why do 40% never make it there In this video I reveal the four emotional phases every retiree experiences and exactly how you can successfully navigate all of them to reach that rewarding destination. Most people think retirement will be one long vacation but the reality involves distinct psychological phases that catch many off guard. Phase two brings unexpected depression and loss of purpose - Age UK"
YouTube Link 2025-11-05T20:23Z [----] followers, [---] engagements
"How Pension Credit Could Boost Your Weekly Income See If You Can Claim it Thousands of pensioners miss out on Pension Credit every year leaving money on the table that could make a real difference to their weekly budget. If you're over State Pension age and struggling with living costs Pension Credit might top up your income - even if you own your home or have some savings. Many people assume they won't qualify but the rules are actually more generous than most think. In this video I'll walk you through exactly how Pension Credit works including the two types available: Guarantee Credit and"
YouTube Link 2025-11-07T12:00Z [----] followers, [--] engagements
"How to Challenge Your Rejected PIP Decision - 70% of PIP Appeals Win at Tribunal Getting your PIP decision can be stressful especially when its not what you expected. But dont panic help is here. This video will show you exactly how to appeal your PIP decision and win even if youve already been turned down once. More than 70% of PIP appeals at tribunal succeed and well explain why that is and how you can be one of them. Whether youve been awarded too little or refused entirely youll learn what steps to take when to take them and how to present your case in the best light. Well also explain"
YouTube Link 2025-05-09T08:00Z [----] followers, [----] engagements
"Can You Get PIP For Mental Health Problems Find Out Finding out the truth about PIP and mental health can make a real difference when you apply. In this video you will learn exactly how PIP and mental health are connected and what the D W P is really looking for. Whether its anxiety depression or any mental health condition the focus is always on how it affects your daily life. This guide will show you how to present your case clearly and honestly. Many people think a diagnosis alone will get them PIP but it is the daily struggles that matter most. If you have issues with cooking washing"
YouTube Link 2025-04-28T21:00Z [----] followers, [---] engagements
"Thousands Missing Out on Pension Credit Don't let it be you Could you be missing out on money you're entitled to This video covers everything you need to know about Pension Credit [----] including who can get it how much its worth and how to apply. With the cost of living still a concern extra help for pensioners is more important than ever. In [----] the pension credit threshold is going up which means more people could qualify. Whether you're single or part of a couple this benefit can top up your retirement income to a guaranteed level plus unlock other perks. That includes housing benefit for"
YouTube Link 2025-05-01T15:08Z [----] followers, 11.5K engagements
"Can you retire at [--] with [------] in your pension pot (Yes you can) Can you retire at [--] with [------] in your pension pot Yes - but only if you understand the 7-year State Pension gap and your housing situation. Most people just "check if 200k is enough." But today I'm going to show you how to apply what we call the Safe Withdrawal Rate - which is just a way of calculating how much you can take each year without running out - and why the 7-year gap before State Pension kicks in is the real challenge. From my time advising large organisations I've seen how what the industry calls the"
YouTube Link 2025-10-20T13:20Z [----] followers, 16.7K engagements
"Should You Take Your Pension Tax-Free Cash - November Budget Warning Pension tax-free cash rumours are causing billions to be withdrawn before the November Budget. People are panicking about potential cuts to the 25% allowance. But most are making irreversible decisions based on speculation not facts. I'm going to show you what the rumours actually say why [--] billion was withdrawn in the last year alone and whether you should take action before [--] November or wait for the actual announcement. In this video I break down what's actually being rumoured about tax-free cash cuts versus the current"
YouTube Link 2025-10-22T11:01Z [----] followers, [--] engagements
"Can You Retire at [--] With A 100k Pension Pot Can you retire at [--] with [------] The answer depends on your housing situation and whether you can handle two tough years before state pension starts at [--]. I'm painting the realistic picture of what this retirement actually looks like - what you can afford what you can't and how your day-to-day life feels on roughly [----] per month from age [--] onwards. In this video I break down the brutal reality of those first two years living on your tax-free lump sum then the tight year two when withdrawals become taxable. Then I show you exactly what [-----] per"
YouTube Link 2025-10-29T12:01Z [----] followers, 87.1K engagements
"The Dark Side of Retirement Nobody Talks About - Decline Depression and Divorce (Research) Nobody talks about what really happens when you retire. But the research is shocking. Studies show retirement decreases your chance of excellent health by 40%. It increases your risk of clinical depression by 40%. And divorces among people over [--] have jumped 38% for women and 23% for men between [----] and [----] in England and Wales. In this video I explain the three D's of retirement - Decline Depression and Divorce. These are the hidden problems that hit more people than you think. I'll show you why"
YouTube Link 2025-11-13T18:00Z [----] followers, [---] engagements
"State Pension For A Widow Also Claim [----] Bereavement Payment or Lose Thousands Most widows don't realize they're losing thousands in state pension inheritance they're legally entitled to receive. This video uncovers the hidden rules about inheriting your partner's UK state pension in 2025/26. Shocking fact: DWP has already corrected over [---] million in errors with thousands of widows incorrectly told they couldn't inherit anything. Discover what you're actually owed (maximum [-----] annually from additional state pension inheritance) understand why marriage or civil partnership at death is"
YouTube Link 2025-11-20T13:00Z [----] followers, [---] engagements
"Dont Retire Early Without First Watching This (its not just about the money) Thinking about early retirement but not sure if it's the right move This isn't just about having enough money saved up. The real question is whether you should retire early based on your health finances and what you'll actually do with your time. In this video we break down the three critical tests you need to run before making this decision. We cover the harsh reality of healthy life expectancy in the UK (it's shorter than you think) the actual money test that matters (forget those inflated retirement calculators)"
YouTube Link 2025-10-31T17:01Z [----] followers, [---] engagements
"Can You Live On ONLY The State Pension OF [---] per week - The Reality The full UK state pension pays [------] weekly which equals [-----] annually. Can you actually live on just this amount The official Retirement Living Standards show singles need [-----] yearly for minimum living - which includes a UK holiday eating out monthly and leisure activities twice weekly. That means singles are [----] short on state pension alone. However couples receiving full state pension get [-----] combined which exceeds the [-----] minimum standard for two people. The minimum standard assumes mortgage-free homeownership"
YouTube Link 2025-10-24T11:01Z [----] followers, [---] engagements
"Why You Have [--] Credit Scores in the UK (Not Just One) Your credit score affects every major financial decision you make - but most people don't understand how it actually works in the UK. In this video you'll discover why you have three different credit scores (not just one) what the UK averages are with Experian Equifax and TransUnion and exactly what factors determine your score. Payment history matters most at 35% followed by credit utilisation and length of credit history. The fastest improvement Register on the electoral roll - it can boost your score by 50+ points in just weeks. We'll"
YouTube Link 2025-10-21T19:49Z [----] followers, [--] engagements
"Early Retirement Warning - [--] Mistakes That Will Destroy Your Pension by Age [--] Five pension mistakes will shock you when you discover their true impact decades later. Most early retirees have no idea they're destroying their financial security until reaching their 70s with nothing left. This video exposes the exact traps that catch people completely by surprise. Learn why withdrawing heavily from your pension in early retirement creates irreversible damage how market crashes during your first years permanently destroy your pot what the April [----] inheritance tax changes really mean for"
YouTube Link 2025-11-23T17:01Z [----] followers, [----] engagements
"2026 State Pension Up 4.8% to [---] Weekly: [--] Questions Before Claiming [---] per week from April [----] - that's what the new state pension will be after the triple lock increase kicks in. But there's a lot more you need to know about this change especially if you're approaching retirement age. In this video I break down exactly what you'll receive in [----] whether you're on the new state pension (post-2016) or the old basic pension (pre-2016). I explain why the pension is going up by 4.8% how the triple lock works and what it means for your finances. More importantly I cover how to actually claim"
YouTube Link 2025-11-18T18:00Z [----] followers, [---] engagements
"5 Steps To Create an Emergency Fund Are you living one unexpected bill away from financial stress Building an emergency fund is the foundation of financial security yet most British households don't have enough saved to cover three months of expenses. In this video discover five practical steps to create your emergency fund from scratch. Learn exactly how much you need to save which UK savings accounts offer the best instant access how to automate your savings so you never miss a payment and clever ways to find extra money to boost your fund faster. Plus find out what actually counts as a"
YouTube Link 2025-10-18T19:06Z [----] followers, [--] engagements
"Understanding The UK State Pension: What Youll Get Ever wondered how much you'll get from the UK State Pension and how it all works This video breaks down everything you need to know about the Basic State Pension New State Pension and Pension Credit in the UK. We explain how your National Insurance contributions impact your pension amount and what you can expect when you retire. The UK State Pension is a regular payment from the government that you can claim when you reach State Pension age. The full New State Pension is currently [------] per week but what you get depends on your National"
YouTube Link 2024-09-17T18:54Z [----] followers, 33.2K engagements
"Direct Debit vs Standing Order: Which Saves You More Money Are you paying your bills the expensive way Most people don't realise that how you pay directly affects what you pay. This video breaks down the crucial differences between Direct Debits and Standing Orders - and reveals which one actually saves you money. Direct Debits offer the Direct Debit Guarantee (immediate refunds for errors) plus discounts from utility providers. Standing Orders give you complete control but zero protection and no discounts. We'll show you exactly when to use each method and why Direct Debits typically save"
YouTube Link 2025-10-21T14:45Z [----] followers, [----] engagements
"Don't Let Retirement Ruin Your Life: Why People Fail To Retire Happy Retiring without a plan for your purpose is the biggest mistake people make. Most spend years sorting their finances but forget to plan what they'll actually do with their time. Within months of retiring many people feel lost bored and isolated because they've lost the identity structure and social connections that work provided. Depression affects about 25% of people over [--] and retiring without purpose is a major trigger. In this video I explain the three stages everyone goes through when they retire and why the middle"
YouTube Link 2025-10-21T08:23Z [----] followers, [--] engagements
"5 Key Questions to Ask Before Buying an Annuity Thinking about buying an annuity but not sure if it's the right decision In this video I'll walk you through [--] essential questions you need to ask yourself before making this important choice. With annuity rates now at their highest levels in over a decade it's crucial to understand whether an annuity suits your retirement plans. We'll explore current annuity rates and whether they offer good value how to calculate the guaranteed income you actually need how your health could boost your income by up to 30% whether you should consider pension"
YouTube Link 2025-11-09T18:01Z [----] followers, [---] engagements
"Is Private Health Insurance Really Worth It Are you thinking about private health insurance in the UK and wondering if it's worth it This video will break down everything you need to know about private health insurance from the benefits to the costs and everything in between. Understand the differences between NHS and private healthcare and discover if private medical insurance is right for you. Private health insurance offers faster access to specialists and more comfortable hospital facilities. With the NHS often having long waiting times private healthcare can be a quicker and more"
YouTube Link 2024-09-15T18:46Z [----] followers, [----] engagements
"How Long A PIP Assessment Decision Takes (why its 4-12 Weeks) Waiting for a PIP decision can feel endless. In this video we explain how long it really takes to get your Personal Independence Payment approved. Whether you're applying for the first time or going through a review we break down the typical timelines and what causes delays. Most new PIP claims take about [--] to [--] weeks from start to finish. This includes filling out your form attending an assessment and waiting for the D W P to process everything. However some people experience longer waits due to backlogs and staffing issues."
YouTube Link 2025-05-01T08:00Z [----] followers, [----] engagements
"5 Pension Mistakes That Leave Retirees Broke and Working Again By [--] Five pension mistakes will shock you when you discover their true impact decades later. Most early retirees have no idea they're destroying their financial security until reaching their 70s with nothing left. This video exposes the exact traps that catch people completely by surprise. Learn why withdrawing heavily from your pension in early retirement creates irreversible damage how market crashes during your first years permanently destroy your pot what the April [----] inheritance tax changes really mean for estates"
YouTube Link 2025-11-16T18:01Z [----] followers, [----] engagements
"Prince Andrew Gives Up Titles - The TRUTH About What Happened Prince Andrew has SHOCKED the world by giving up his Duke of York title after mounting pressure from King Charles over his Jeffrey Epstein connections. But this isn't just royal drama - this decision could trigger the biggest crisis the British monarchy has faced in decades. Discover the explosive details behind Andrew's resignation the leaked emails that forced his hand and why this breaking news has millions questioning whether Britain still needs a Royal Family. From Buckingham Palace power plays to public outrage we break down"
YouTube Link 2025-10-19T19:01Z [----] followers, [--] engagements
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