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Am I Too Late?

Naho
Investing
Financial Planning
Financial Confidence
Pensions
Net Worth
Spending Habits
Retirement Planning
Debt Management
Financial Awareness
Essentials Vs Non-Essentials
Values Alignment
Lifestyle Creep
Budgeting Methods
AI Tools For Finance

Ever feel like you're behind on money, tech or life goals and wondering if it's too late to catch up? Am I Too Late? is a podcast for late starters who want to build financial confidence and digital know-how without the jargon, shame or overwhelm.

Hosted by Naho, a former project manager, MBA graduate in Digital Business & Innovation and curious late bloomer, this short-form podcast breaks down th... more

PublishesTwice monthlyEpisodes9Founded9 months ago
Number of ListenersCategories
EducationBusiness

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Artwork for Am I Too Late?

Latest Episodes

ISA vs Pension — where should your money go first?

If you had £1,000 available today, would it be better in an ISA, a pension, or sitting in cash savings?

For many people starting to invest later in life, this is one of the biggest financial questi... more

ISAs Explained: Cash ISA vs Stocks & Shares ISA (UK Guide)

What is an ISA — and is it really just a high-interest savings account?

In this episode, I explain how ISAs work in the UK, the difference between a Cash ISA and a Stocks & Shares ISA, and ... more

Pension Catch-Up & Clean-Up: Annual Allowance, Carry Forward, and Why Tax Relief Beats Tax on Withdrawal

If you’ve ever wondered how much you can really put into your pension, what happens when you take the money out, or whether tax relief is actual... more

Discover why pensions might just be the best-kept secret in personal finance — how tax relief, compound growth, and a few smart moves can quietly build your future, even if you’ve started late.

In this episode, we pull back the curtain on one of mon... more

In this episode, we go back to basics and demystify pensions — what they are, how they work, and why they matter more than most of us realise.

If you’ve ever thought pensions were just something for “later”, or felt unsure about how yours actually g... more

Have you ever looked at your bank balance, savings, or pension and wondered, “Is this actually enough?”  You’re not alone – and in this episode, I share the moment I nearly fell off my chair after seeing the UK’s standard guideline pension figures.

more

In Part 1, we got clear on your five key numbers: income, expenses, pensions, savings, and debts. Now, it’s time to put them to work.

In this episode, we look at what your numbers are actually telling you — and how to use them to decide what matters... more

Getting your money sorted starts with knowing where you actually stand. Not just your salary or bills — but the big picture.

In this episode, I walk you through the five key numbers everyone should know:

•  Income

•  Expenses

•  Pensions

•  Savings... more

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Am I Too Late? launched 9 months ago and published 9 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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