Hello and welcome to episode 532 of the Money to the Masses podcast with your resident expert, as always, Damien Faye and me. Andy Nix, Damien, happy new year to you.

Happy New Year to you, Andy, and all our listeners. It's funny because this time around we're saying, happy New Year.

And we are actually recording this podcast in the new year, because normally, just to let you

behind the curtain, we tend to record the New Year podcast just before Christmas because of

the way the holiday runs and mains the masses closes down. But we are in a new year, so we

generally aren't doing that weird thing that people do on. You know, like Jules Holland,

who records his show before the new year, I might have ruined that for some people, but he does. We aren't doing that this year. So happy New Year to all our listeners. And on the New Year theme, what we're going to be doing in this week's show is talking about your money in the new year. So we are going to give you a quick tour of all the ways that money for the

messages can help you with your finances because we are well aware that we are going to have a lot

of new listeners who are finding us for the first time as they make their New Year's resolutions

and they found a podcast that talks about money. So we're going to tell you all the things that we do other than this podcast that can help you with your finances and where to go. And even if you are a regular listener, there will probably be some things you are unaware of that we do or links that you can bookmark that might prove useful. And then on the second part of the show, I do my annual review and

outlook for investment markets. So I'll look very briefly back at 2025, but more importantly,

talk about some of the themes that could be important when it comes to your investments in

26. Okay, so let's get on with what we've got coming up on this week's podcast.

And the first piece is really to give you a little bit more information about who Money to the Masses is.

Hopefully there's lots of new listeners out there and they're listening to this podcast.

And so, Damien, why don't you give the listeners a little bit of a potted history on how Money to the Mass is started?

Because actually January is a key month because it sowed the seeds to Money to the Masses starting out.

Yeah, so January, if you go back nearly what is now, 16 years, I started Money to the Masses

as almost a hobby in the background. I worked in the city and my day job was dealing with money,

helping wealthy people with their investments and their personal finances. And from that,

I decided to start writing about money online. Essentially, it was a blog back in those days.

If you remember, blogging was relatively new,

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