Is buy-to-let finished for the everyday investor… or are we all just reading the market wrong?

In this episode of The Bungalow, Kim and Nicky go head-to-head in a rare, unfiltered debate on the future of the UK’s most talked-about investment strategy. One of us believes BTL is now a “hassle asset class” with razor-thin margins, endless regulation and a shrinking upside. The other argues it remains one of the strongest long-term wealth vehicles available — if you understand how to adapt.

Inside, we break down:

• Why rising interest rates, Section 24 and EPC reforms are pushing small landlords out
• How big players like Lloyds and John Lewis are quietly reshaping the market
• The fundamentals that still make buy-to-let powerful — leverage, capital growth and generational demand
• Whether the strategy is dead… or simply evolving
• What today’s investors need to know before buying their next property

This isn’t a highlight reel. It’s the honest conversation the industry avoids — two experts, two opposite views, one goal: to help you make smarter financial decisions in a changing market.

Whether you’re planning your first investment or rethinking your entire approach, this episode will challenge your assumptions, sharpen your strategy and give you the clarity you’ve been craving.

Press play. Your future self will thank you.

Episode Title: The Real Reason You’re Not Building Wealth — And How to Fix It Fast

Programme description:

Forget everything you were taught about money. In this episode of The Bungalow, we tear down the biggest money myth still holding people back: that saving alone will make you wealthy.

Nicky and Kim break down why the old rules no longer work — and how inflation, low interest rates, and outdated generational advice are quietly melting your money away. Through simple metaphors (ice cream in the sun, cash in the fridge) and clear explanations, they reveal the truth: wealth isn’t built by saving… it’s built by owning assets.

Inside the episode:

• Why saving feels safe but is actually losing you money
• The three-bucket wealth system: income, savings, assets
• How inflation erodes your savings (and why banks love that you don’t notice)
• Property, stocks, shares & leverage — explained simply
• The psychology of fear, risk, and why most people never invest
• Real-world examples (like the £4.20 iced latte that costs £188k over a lifetime)
• How to develop an investor mindset even if you’re starting from zero

This is the episode that will change how you think about money forever — and finally show you the moves that actually build long-term wealth.

Kim and Nicky deep dive into a little known property strategy called rent to rent. Learn who might benefit from this passage into property and how it can potentially start creating passive income for you with very little money down.

Compound interest is one of the most powerful forces in finance because it allows your money to grow exponentially over time.

Einstein called it the eighth wonder of the world.

Instead of earning interest only on the original amount you invested, compound interest lets you earn interest on both. This snowball effect means that even small, consistent contributions can grow into significant wealth if given enough time. It rewards patience, long-term planning, and consistent investing.

Those who understand it earn it, those who don't understand it, pay it!

In this mindset episode the girls chat everything 'Fear' and how to overcome it in relation to investing. How to continue your personal development, moving forward with your life and all the rewards of pushing yourself out of your comfort zone can bring.

Welcome to The Bungalow—your new HQ for money, property and mindset that actually move the needle. In this premiere, co-hosts Nicky (Cambridge property investor/refurb rebel) and Kim (TV powerhouse turned deal-hunter) pull you into the real bungalow where it all began—wheelie-bin loft inspections and all. You’ll hear how TV careers, burnout, and a “there’s-got-to-be-a-better-way” moment led to Airbnb cashflow, buy-to-lets, and planning life backwards to exit the 9–5 grind. Expect honest stories, practical strategies, and weekly deep dives into property plays, financial freedom, and the mindset to back it up. If you’re ready to think bigger and make your money work harder, you’re in the right place.

Listen now and join us at: thebungalowpodcast.com