You plan a holiday, you plan a commute, meal plans, career plans, even workouts need a plan.

So doesn't it stand to reason that your money has one too?

Because the sad truth is, if it doesn't, it's just sitting there, barely growing, if at all.

That's why you need a money plan.

And quilter can help.

It's a lot easier to stick to than a workout plan. Money needs a plan and Quilter can help. It's a lot easier to stick to than a workout plan.

Money needs a plan. Quilter, pensions, investments, advice. Find out more at Quilter.com.

This episode is brought to you by Drink IQ. Here's a tip for anyone choosing to celebrate this festive period.

Understanding the alcohol units in your favourite drinks can open more choices than you think,

even when you're choosing to moderate.

Did you know that a single measure of gin and tonic has less alcohol than a medium glass of wine?

Or that a single measure of whiskey and lemonade has half the alcohol of a pint

of lager. So whether it's gin, lager or wine, understanding your units gives you the confidence

to enjoy what you fancy. Visit drinka IQ.com to find out more information and as always, please

always remember to drink responsibly.

Why are businesses like HelloVet choosing Apple products and services?

So we started the business two years ago. We had a few people who were used to PCs and this was

their first foray into Macs. But it's been super smooth getting everyone onto those devices and everyone seems

really, really happy. Find out how Mac can help you run and grow your business at apple.com

forward slash hello vet. Hello and welcome to The Rest Is Money with me, Robert Pest and Steph's away.

But I'm delighted to be joined by Richard Thaler.

And Richard, it is an absolute pleasure and indeed a privilege to have you here today because

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