In this episode of Juggling Mind and Money, Steve sits down with Laurentius van den Worm, Head of Investment Strategy at Timeline Portfolios, for a candid conversation about how sensible portfolios are built, why markets test people’s patience, and what to do when your instincts start shouting louder than your plan.

Rather than chasing predictions, they focus on process: why a rules-based approach exists in the first place, how “factors” like value and smaller companies fit into long-term investing, and why the hardest part of financial planning often has nothing to do with spreadsheets and everything to do with human behaviour. 

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What you’ll take away

• A plain-English explanation of value investing (using a simple property analogy you won’t forget). 

• Why some portfolios deliberately tilt towards smaller and cheaper companies, and how profitability can help avoid obvious traps. 

• The real-world issue with momentum strategies: why they can look brilliant on paper… and messy in practice. 

• A clear discussion on the “Magnificent Seven”: why they’ve dominated headlines, what concentration risk actually means, and why extreme reactions (either way) can be costly. 

• A practical, planner-friendly way to handle clients who want to sell out and “buy back in later” when markets feel nervy. 

• How currency moves can change what UK investors experience, and why currency risk is treated differently across growth assets vs defensive assets.

If you want a clearer, more grounded way to think about portfolio construction, market leadership, and investor behaviour, this episode is well worth your time. Watch or listen now, and if you find it useful, subscribe/follow so you do not miss the next one.

In this episode, Steve is joined by Sam Hart, a tax specialist at Rosegate Tax with nearly 30 years in the game, to cut through the noise around inheritance tax and long-term planning.

They explore:

• Why tax planning works best when it starts with your life goals, not the tax bill
• The moving abroad question, and where people often get caught out
• The difference between “leaving the UK” and actually becoming non-resident
• What gifting and trusts can offer, and what to watch out for

As always, it’s not just about the numbers. The conversation keeps coming back to the human side: how money decisions can quietly shape your lifestyle, relationships, and happiness, often in ways you don’t expect.

Links:

Sam's LinkedIn - https://www.linkedin.com/in/samhart1/

Rosegate Tax - https://www.rosegatetax.co.uk/

New Year’s Day 2026. The motivation is high, the To-Do list is long, and reality is quietly waiting round the corner.

In this episode Steve and Jess explore why New Year’s resolutions so often start strong and fade fast, and how to approach goals in a way that feels more realistic, more sustainable, and far less punishing.

They touch on the psychology behind “fresh starts”, the difference between being pushed by discomfort versus pulled by something meaningful, and how small, repeatable actions can beat grand plans.

On the money side, they discuss ways to reduce mental load, build better financial habits, and keep your progress steady even when life gets messy.

It’s thoughtful, practical, and lightly chaotic in the way only New Year’s Day can be.

In Episode 28, Steve is joined by Michael Kothakota, co-founder of Wolf Bridge Wealth, for a grounded conversation on the real value of financial advice beyond returns.

Mike shares how he and his wife launched the firm in the aftermath of the 2008 crisis, and how years of work with clients navigating major life events shaped his view of what good advice actually does for people day to day.

They also explore Mike’s teaching work at Columbia University, and why ethics, judgement, and clear communication matter just as much as technical knowledge.

The discussion then turns to a Vanguard paper from 2025 on the value of advice and what it suggests about reassurance, decision-making, and the human side of planning, especially when markets and emotions are moving at the same time.

Expect practical reflections on trust, client conversations, and the subtle ways great advice can reduce noise and help people make better choices with money.

In this episode of Juggling Mind and Money, Steve is joined by Chartered Financial Planner Luke James for a clear and grounded conversation about the recently released Budget. With Jess away, Luke steps in to help unpack the announcements that matter most to listeners and clients.

They cut through the pre-Budget rumours, explore the psychology behind fear-driven financial decisions and discuss the major changes around salary sacrifice, dividend tax, ISAs, VCTs, property income and the newly introduced mansion tax.

They also highlight what didn’t change, why many measures are delayed and the practical steps listeners can take while current allowances remain in place.

In this episode Steve and Jess unpack a question many of us think about but rarely admit out loud: When is it smart risk-taking… and when is it simply gambling?

The conversation begins with confessions, before diving into the psychology behind risk, excitement and the chase for dopamine.

From thrill-seeking behaviour to escapism and social pressure, they explore why gambling can be so compelling… even when we know the odds are stacked against us.

But what about the other side? Why do some people avoid gambling altogether? Financial trauma, fear of loss and moral judgement all play their part. Jess explains how our past experiences shape the way we feel about uncertainty.

Steve draws a sharp line between gambling and investing, breaking down their differences in strategy, purpose and timeline. The pair also discuss the “dark side” of investment apps and the psychological tricks used to encourage rapid buying and selling — often disguised as investing but rooted in gambling behaviour.

The episode closes with practical tools to stay on the right side of the line:

• Money fixes: financial planning, realistic goals and focusing on return on life rather than just return on investment.
• Psychological fixes: managing emotions, knowing your risk profile and seeking help when money becomes an escape rather than a plan.

And in true Sockology style, it all ends with a pair of socks you woudn't want to miss.

A light-hearted conversation with a serious message: long-term wealth is built on patience, not lucky breaks.

In this episode, Steve is joined by Neil Bage, Co-Founder of Shaping Wealth, for a powerful conversation about understanding people as the core of great financial planning.

Steve and Neil explore the psychology behind money and the emotional challenges that both clients and advisers face.

Neil explains how our brains, designed for survival thousands of years ago, struggle to navigate a world built on numbers, screens, and long-term financial commitments.

From emotional reactions to markets, to the identity shifts that come with retirement, this discussion highlights why empathy, awareness, and self-understanding are essential skills for anyone helping others make financial decisions.

💬 Memorable Insight

💡 Takeaway

If you’ve ever felt anxious, impatient, or uncertain about money — you’re not alone.

Our brains were never built for the financial world we live in today, but understanding that can help you make calmer, wiser, and more confident decisions about your future.

🎧 Listen now to discover how understanding yourself can be the most powerful financial skill you’ll ever learn.

📚 Quoted sources:

• Daycart's error - Antonio Damasio

• Life is in the Transitions - Bruce Filer

In this thought-provoking episode of Juggling Mind and Money, Steve and Jess unpack one of the most overlooked forces shaping our financial lives — time.

Why do we put off things we know are important — from car services to pension contributions? Why do some people rush decisions, while others delay them endlessly?

Drawing from behavioural science and financial psychology, Steve and Jess explore how our distorted sense of time drives procrastination, poor decisions, and lost opportunities.

From the optimism bias that tricks us into thinking we have “plenty of time,” to the time bias that keeps us chasing instant gratification, this episode blends research, relatable stories, and practical tools to help you regain control of your most valuable currency — your time.

They also share simple, science-backed strategies to counter time traps. If you’ve ever said “I’ll do it tomorrow” — this episode is for you.