エピソード

  • Tax Brackets: The Staircase, Not the Cliff

    Tax Brackets: The Staircase, Not the Cliff
    2026/11/12
    A friend gets a pay rise and says, with genuine worry, that she is afraid to accept it, because it will push her into a higher tax bracket and she will end up with less money. She is not foolish for thinking that.
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    9 分
  • Insurance: Sharing Risk, Together

    Insurance: Sharing Risk, Together
    2026/11/11
    Nobody can tell you whether your house will be damaged this year. Nobody can tell you whether you will need an expensive operation, or whether your car will be in a crash.
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    10 分
  • How a Mortgage Really Works

    How a Mortgage Really Works
    2026/11/10
    You have paid your mortgage faithfully for five years. You check the balance, expecting it to have fallen substantially.
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    8 分
  • Your Credit Score, Explained in Plain English

    Your Credit Score, Explained in Plain English
    2026/11/09
    You apply for a loan, or a flat, or a phone contract, and someone you have never met makes a decision about you in seconds, based on a single number. You did not get to explain yourself.
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    8 分
  • When a Raise Disappears: Lifestyle Creep

    When a Raise Disappears: Lifestyle Creep
    2026/11/08
    You earn twice what you earned five years ago. Your flat is nicer.
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    8 分
  • The Quiet Power of Compound Growth

    The Quiet Power of Compound Growth
    2026/11/07
    Two friends start saving at different times. One starts at twenty five and puts aside a modest amount every month.
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    9 分
  • Your Emergency Fund, Layer by Layer

    Your Emergency Fund, Layer by Layer
    2026/11/06
    Picture a Tuesday morning that starts normally and then breaks. Your car will not start.
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    9 分
  • Why Prices Rise

    Why Prices Rise
    2026/11/05
    When prices rise, your money buys less. This episode explains inflation and purchasing power in plain terms, and why the same wage can feel very different over time.
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    10 分