Dan, a 33 year-old production manager who has a mortgage, a stable job and a family, still can’t get a credit card in his name.

It's as a result of something that happened in his past, which is still coming back to haunt him and his finances.

In this episode, we also chat about:

🛍️ His Teemu obsession
💑 Why couples DON'T share money
📈 Trading 212 and the weird reasons people invest
🏠 His luck with buying his home

🔔 Subscribe for more real money conversations with everyday people — their regrets, lessons, and money habits.

Simon a 33-year-old engineer who opens up about how habits define his finances, why he doesn’t trust investing, and why his biggest regret is going to university.

We cover:

• Delayed gratification, gamifying savings, and resisting impulse buys
• Why he sees university debt as a waste—and what he wishes he’d done instead
• Why M&S may be the best value supermarket right now
• The importance of separating yourself from money

🔔 Subscribe for more real money conversations with everyday people — their regrets, lessons, and money habits.

Cate Skeat, a 56-year-old relationship manager from Winchester, describes her financial journey as “haphazard”.

From credit card debt in her 20s and juggling overdrafts, to learning how to make money work through cashback credit cards, pensions, and small-but-smart investments - Cate reveals life lessons we can all learn from.

We dive into:

Cate’s early struggles with credit cards and overdrafts

How her parents shaped her views on money

Choosing money vs. passion in her career

Talking about finances openly in relationships

The importance of self-awareness with spending habits

Her biggest money regrets — and the lessons they taught her

💡 If you’ve ever felt like you’re winging it with money, Cate’s story will resonate. This episode is about real-life money habits, mistakes, and the things we wish we’d known sooner.