We asked for your biggest money questions and we're getting on financial adviser and friend of the podcast Lisa Conway-Hughes to answer them. This is Lisa’s advice firm LCH/WEALTH: https://lchwealth.co.uk Set up a Financial Diagnosis Session with Lisa via her assistant Abi: abi@lchwealth.co.uk 🎉 Sponsors TaxZap - Do your personal tax return/self-assessment: https://makingmoney.email/taxzap Vanta - Get your company secure and compliant: ⁠https://vanta.com/makingmoney - If you purchase a product or service using one of the links above (including Lisa's firm LCH Wealth), we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Happy New Year 02:50 - House or Pension at 30 09:16 - Rent vs Buy 14:28 - Salary Sacrifice 16:16 - TaxZap ad 17:30 - De-risk for retirement 21:30 - Running out of money 26:42 - How to retire early 28:57 - Pensions savings at 30/40/50 32:27 - Self-employed and pensions 37:31 - Vanta ad 38:36 - State pension 41:32 - Tax trick for low earners 46:05 - How to stop worrying 49:15 - Know your number 53:39 - Can you spend more? 58:22 - Pay less tax in retirement 01:01:53 - Pension or ISA? 01:03:42 - Inheritance tax 01:05:40 - Pay less tax 01:06:35 - Basic money principles Correction: 4:27 Lisa meant to say 6-12k instead of 12-24k