Hello and welcome to episode 531 of the Money Cinema Masses podcast with your resident.

Expert as always, Damien Faye and me and Ely.

Damien, we had a week off last week, but we're back raring to go just before Christmas.

Yeah, we are rearing to go before Christmas and I've got rid of my cold.

Actually, thank you to the people who wished me well on the comments on Spotify.

And I did laugh because I think I mentioned

on a recent podcast that Justin My Twin is also one of the other main figures at Money to the

messages, but in the background and deals a lot more of the business side of things. He's been in

the hospital, unfortunately, for the last few weeks. And he did laugh about the fact that nobody wished him well.

So if somebody could go on to the Spotify comments and wish Justin well,

then that will make his day and will also probably speed up his return to the office.

So, yeah, we're at the end of the year, Andy.

So what I'll do is just give people a bit of an overview of what to expect.

We're doing a podcast, obviously, this week. There won't now be a podcast until the new year. So you're going to have to survive without us for two weeks.

But we will then be back with a bang in a new year where we'll do a podcast that includes

my traditional investment outlook for the upcoming year, but also ways to improve your finances

by getting the most out of money to the masses.

Okay, so before we get on to what's coming up on this week's podcast, Damon, I think

it's probably worth us sharing something that happened in the week

that we're going to share with listeners soon because we use a certain software in order to record

this podcast and make it look great. And they've provided some clips, kind of like Spotify

wrapped, but it's Riverside wrapped. And it's a few clips that show how we've got on in the last

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