Making Money

Can you actually afford to buy a home right now? And if you can, should you? Eddie Ross is co-founder of Tembo Money, a mortgage broker that helps first-time buyers get on the ladder. He answers your questions about affordability, how mortgages actually work today, what’s happening with LISAs and covers some of the lesser-known options that most people don’t talk about.

🏡 Here’s the link Eddie mentioned to check your affordability online: https://makingmoney.email/tembo

*This episode was recorded in March 2026 and some data might have changed since then

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Answer a few questions to find the right service & book free call: ⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠

❓Survey - how are you saving for your future?

⁠⁠https://makingmoney.email/survey⁠⁠

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠⁠⁠https://vanta.com/makingmoney⁠⁠

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If you purchase a product or service using one of the links above (including Tembo Money), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Finance professor Mo Milevsky explains why your “human capital” (your career, income, and life choices) should shape how you invest both when you're building wealth and when in retirement and why most people are taking the wrong kind of risk.

🤝 Want 1:1 financial help from us?

Answer a few questions to find the right service & book free call: ⁠https://getmost.typeform.com/pod-episodes⁠

❓Survey - how are you saving for your future?

⁠https://makingmoney.email/survey⁠

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠⁠https://vanta.com/makingmoney⁠

Xero accountancy software - get 90% off for 6 months: ⁠https://referrals.xero.com/makingmoney

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Have you ever felt it is too late to start investing? Dave is 46, and he started investing at 44. He’s just managed to max out his ISA this year. How did he do it?

Thank you to everyone who entered the competition, the winners have now been contacted. Thank you so much for listening and also a big thanks to Andrew Craig, the author, for kindly providing an additional five copies.

Do you have a story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form

🤝 Want 1:1 financial help from us?

Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠

❓Survey - how are you saving for your future?

⁠⁠⁠https://makingmoney.email/survey⁠⁠⁠

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠

Xero accountancy software - get 90% off for 6 months: ⁠⁠⁠https://referrals.xero.com/makingmoney ⁠

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Will your pension actually be enough for retirement? Or are you heading for a shortfall without realising it? Al Miles is an investment actuary who has analysed the UK pension system, and found that millions of workers will fall short of what they need for retirement. But she didn’t stop there. She’s also looked at ways we can fix it. 

💬 Do you have a money story you'd like to share on the podcast?

⁠https://makingmoney.email/listener-story-form

🤝 Want 1:1 financial help from us?

Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠

❓Survey - how are you saving for your future?

⁠⁠⁠https://makingmoney.email/survey⁠⁠⁠

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠

Xero accountancy software - get 90% off for 6 months: ⁠⁠⁠https://referrals.xero.com/makingmoney ⁠

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Here are the papers we reference:

Retirement Reimagined: https://aca.org.uk/wp-content/uploads/Retirement-reimagined-securing-lifelong-financial-independence-for-all.pdf

How Much Could You Lose? https://actuaries.org.uk/media/zdhn5xl3/how-much-could-you-lose-report.pdf

The S&P 500 once delivered 17 years of zero real returns. Could it happen again? Jim Reid is the Global Head of Macro Research at Deutsche Bank. In a recent report, The Ultimate Guide to Long-Term Investing, his team analysed data from 56 countries over 200 years.

You can read the full report on the Deutsche Bank Research Institute website: https://www.dbresearch.com/PROD/RI-PROD/PDFVIEWER.calias?pdfViewerPdfUrl=PROD0000000000607211&rwnode=REPORT

*All figures were correct at time of recording but may have changed.

💬 Do you have a money story you'd like to share on the podcast?

https://makingmoney.email/listener-story-form

🤝 Want 1:1 financial help from us?

Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠

❓Survey - how are you saving for your future?

⁠⁠⁠https://makingmoney.email/survey⁠⁠⁠

🎉 Sponsors

Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠

Xero accountancy software - get 90% off for 6 months: ⁠⁠⁠https://referrals.xero.com/makingmoney ⁠

–

If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.