This episode is presented by Monzo.

You know with Christmas coming up, the kids iron up their wish lists, it's a great time to start

teaching them the value of saving for things they really want.

Yes. Especially when it can feel like fun and not a chore with Monzo's account.

For under 16th, kids can save, earn interest, get a little help from their in-app saving

sidekick, a tiny dog that celebrates every penny of milestone.

Come on. That sounds good, doesn't it wrong?

But where was that when I was blowing all my pocket money on football stickers and sweets, Josh?

Where was that guidance?

Exactly. You need the little dog. And it's free too. No subscriptions or top-up fees,

Monzo's award-winning account for under 16s. Download your new

favourite bank. For children aged 6 to 15, parent or guardian account needed first. UK residents only.

Savings up to £10,000 per child. T's and C's apply. This episode is brought to you by Sainsbury's.

Josh, I know you're a man who appreciates quality.

Of course I do.

That's why I'm on this podcast.

And especially I appreciate quality at the best time of year.

Christmas time.

Well, you need to check out the taste of the difference range at Sainsbury's.

Oh, yes.

Yes.

From delicious gifts like Cherry and Amaretto Panatone to festive mains like mushroom Wellington.

...