Understanding Investing: Wrappers
Investment wrappers can feel confusing, but they’re simply the containers that hold your investments, and choosing the right one can affect your tax, access, flexibility, and long-term outcomes. In this episode, we unpack what wrappers actually are, how they differ from investments themselves, and why two people holding the exact same investment can end up with very different results depending on the wrapper they use.
Understanding Investing: Assets
Investing can feel confusing when you don’t understand what you’re actually buying. In this first episode of our new 3-part investing series, we break down the foundations of investing by exploring assets — from shares and bonds to property, cash, commodities and crypto.
We also unpack how investments make money, what risk really means, and why diversification matters. The goal of this series is to help you build a clear understanding of investing step-by-step, before we move on to wrappers and platforms in the next episodes.
Whether you’re brand new to investing or just want the jargon explained properly, this episode is designed to make investing finally make sense.
Pensions Part Two: You’re Not Too Young
Pensions can feel confusing, but they don’t have to be. In part two of our pensions series, we break down the different types of pensions, how contributions work, what your pension is actually invested in, and whether you need to manage it yourself. We’ll also cover what happens when you change jobs, whether you should combine old pensions, when you can access your money, and the biggest pension mistakes to avoid.
Pensions Part One: You’re Not Too Young
This week, Kate and Pete are talking about Pete’s favourite topic: pensions. Wondering if pensions are worth it in your 20s, or if you can just start later? In this video, we break down how pensions really work (from employer matching and “free money” to where your contributions go) and show why even small amounts now can grow into life-changing sums over time.
House Buying: Escaping Mum and Dad
Wondering if you can actually afford a house and get a mortgage? In this video, we break down deposits, borrowing limits, credit scores, and approval criteria. Plus, we explain schemes like shared ownership and how family can help you get on the ladder.
Adulting 101: Insurance Part 2
In Part 2 of our Bank of Dad insurance series, we cover the main types of insurance young adults in the UK should know about, including life insurance, critical illness cover, and income protection. We help you understand how to spot a genuinely good policy, what to look for in the small print, and why speaking to a broker could make all the difference. Whether you’re in your 20s or 30s, this episode gives you the practical knowledge to make smarter insurance decisions.
Adulting 101: Insurance
In Part One of our insurance series, we break down why insurance matters in your 20s and 30s, the biggest myths people believe, and why your income is your most important asset to protect. We also explain what insurance actually does, the key risks to consider, and when it starts to become important in your life.
Payslips – Who’s Getting All My Money?
It may seem simple, but I remember having to ask Dad what different parts of my first payslip meant. So in case no one taught you, this week Dad and I explain what the different parts of your payslip mean, and who is getting all your money!
Are Credit Cards the Enemy? Part Two
This week, Kate and Pete finish up their conversation about credit cards, and whether they can be used safely, or are a dangerous slippery slope to debt chaos. Guess what – the answer is more nuanced than you’d think.
Are Credit Cards the Enemy? Part One
Thinking about getting a credit card or wondering how they really work? In this video, we break down the essentials: from what a credit card actually is to how it can impact your financial future. We’ll also explain credit scores in simple terms and share practical tips to help you build a strong one and avoid common mistakes.
Whether you’re just starting out or want to feel more confident managing credit, this is a straightforward guide to using credit cards wisely.