The £100k Secret Banks Don’t Want You to Know

Is your money working as hard as you are, or is it just a "TV slob"?

Welcome to The Bungalow, the podcast where Kim and Nicky pull back the curtain on the "establishment" secrets of wealth creation. If you have a pot of cash sitting "safely" in a bank account, you aren't just losing out—you are funding the bank’s business model while inflation quietly erodes your future.

We provide the financial inspiration you need to stop being a passive saver and start being the bank. From navigating the adrenaline-fueled world of property auctions to exposing the hidden fees in your pension and the "old school" myths of paying off your mortgage, we explore the five most powerful ways to deploy £100,000 for maximum impact.

On this podcast, we explore:

• The Business of Property: How to use leverage, add value, and recycle capital to turn one investment into a legacy.
• Sophisticated Investing: Why the press and financial institutions don't talk about private lending and how you can earn double-digit returns by backing entrepreneurs.
• The Wealth Mindset: Breaking free from "island mentality" and narrow-minded financial habits to build the life you really want.

Stop letting your money be lazy. It’s time to zoom out, give your money a job, and secure your future.

You’re earning well. You’ve worked hard. You’ve done what you were “supposed” to do.

So why does it still feel like your money isn’t really going anywhere?

In this episode of The Bungalow, Kim and Nicky break down the five everyday habits that quietly keep people stuck financially. Even smart, capable people with good incomes and decent savings.

This isn’t about blame. And it’s definitely not about hustle or hype.

It’s about the small, invisible behaviours that drain momentum over time: – Paying yourself last – Letting bad debt linger – Avoiding your numbers – Confusing saving with investing – Waiting for the “right time” to start

If you’ve ever thought “I should be further ahead than this”, this conversation will hit home.

Calm, honest, practical…and completely fixable.

🎧 Listen now, take notes, and start making small changes your future self will thank you for.

Most people aren’t stuck. They’re busy — and quietly drifting.

In this episode of The Bungalow, Kim shares the single question she was asked at a packed property event that stopped her in her tracks and ultimately changed the direction of her life.

Nothing was “wrong”. The business was working. The money was coming in.

But one question forced her to step back and ask whether what she was building was actually taking her where she wanted to be — or just keeping her occupied.

This episode isn’t about motivation or hustle. It’s about direction. About recognising when effort, comfort and momentum are no longer aligned with the life you want — and having the courage to change course.

If you’ve ever felt:

• busy but unfulfilled
• successful on paper but restless underneath
• unsure whether to double down or step back

this is the conversation you need.

Good Debt, Bad Debt — And the Quiet Mistakes Keeping You Working Longer Than You Need To

Most of us were taught that debt is bad. But no one ever explained that some debt quietly makes you poorer… while other debt can help you build real, lasting wealth.

In this episode of The Bungalow, we break down the difference between good debt and bad debt — without jargon, hype, or pressure.

We talk honestly about:

• Why car finance, credit cards and “buy now, pay later” keep people stuck
• How banks are incentivised to say yes to the wrong kind of borrowing
• Why good debt takes intention (and bad debt creeps up on you)
• How property, inflation and leverage can work in your favour — if you understand the rules
• And the quiet mindset shift that separates people who look wealthy from people who actually are

This isn’t about judgement or telling you what to do. It’s about understanding the game - so you can decide how you want to play it.

If you’ve done “all the right things” but still feel like your money isn’t working hard enough… this episode is for you.

What Actually Matters When You Invest in Stocks & Shares

Most people don’t avoid investing because they’re bad with money. They avoid it because it’s been overcomplicated.

In this episode, we cut through the jargon and strip stocks and shares back to what actually matters: how they work, why simplicity beats cleverness, and how long-term investors grow money without watching the market or second-guessing every move.

If you’ve got cash sitting on the sidelines, feel overwhelmed by conflicting advice, or just want a clear, calm starting point before you invest, this episode gives you the low-down — minus the noise, pressure, or hype.

Most people are taught to save money.

The wealthy are taught to understand it.

If you’ve done everything right but still feel your money could be doing more, this episode explains the difference that actually matters.

In this episode of The Bungalow, we unpack the quiet distinctions that separate people who feel stuck — even on decent incomes — from those who build real financial freedom over time.

We talk about:

• Why the wealthy see money as a tool, not something to hoard
• The difference between saving for safety and investing for choice
• Why fear of “getting it wrong” keeps capable people frozen
• How assets — not income — quietly fund the wealthy lifestyle
• The mindset shift from “Can I afford this?” to “What would pay for this?”
• How risk looks very different once you understand it properly

This isn’t about champagne lifestyles or overnight success.

It’s about learning how calm, rational people gradually make money work harder for them — without hype, pressure, or doing anything reckless.

If you’ve done “everything right” but still feel like time is speeding up and your money could be doing more… this conversation will give you a clearer way of thinking about what comes next.

The Middle-Class Trap: Why Earning More Still Feels Like Falling Behind

Description:

You’re earning more than you used to.

You’ve done what you were told.

So why does it still feel like nothing is really moving?

In this episode of The Bungalow, Kim and Nicky unpack the middle-class trap — the quiet cycle where rising income is matched by rising expenses, leaving even high earners feeling stuck, stretched, and surprisingly fragile.

We talk about:

• why lifestyle creep happens without you noticing
• how social pressure and “normal” upgrades drain progress
• why income alone doesn’t create security
• the psychological forces that keep smart people trapped
• and the practical steps you can take to build real financial breathing room

This isn’t about cutting joy or living like a monk.

It’s about defining what enough actually means to you, resisting silent pressure, and making intentional choices that lead to freedom — not just comfort.

If you’ve ever thought, “I’m doing well… so why don’t I feel ahead?”

This episode is for you.

Is buy-to-let finished for the everyday investor… or are we all just reading the market wrong?

In this episode of The Bungalow, Kim and Nicky go head-to-head in a rare, unfiltered debate on the future of the UK’s most talked-about investment strategy. One of us believes BTL is now a “hassle asset class” with razor-thin margins, endless regulation and a shrinking upside. The other argues it remains one of the strongest long-term wealth vehicles available — if you understand how to adapt.

Inside, we break down:

• Why rising interest rates, Section 24 and EPC reforms are pushing small landlords out
• How big players like Lloyds and John Lewis are quietly reshaping the market
• The fundamentals that still make buy-to-let powerful — leverage, capital growth and generational demand
• Whether the strategy is dead… or simply evolving
• What today’s investors need to know before buying their next property

This isn’t a highlight reel. It’s the honest conversation the industry avoids — two experts, two opposite views, one goal: to help you make smarter financial decisions in a changing market.

Whether you’re planning your first investment or rethinking your entire approach, this episode will challenge your assumptions, sharpen your strategy and give you the clarity you’ve been craving.

Press play. Your future self will thank you.