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 the basics of financial planning, investing and AI tools—one bite-sized episode at a time.
Whether you're 38, 48 or 58, it's not too late to learn something new, start fresh, or take control of your future.
9. ISA vs Pension: Where Should You Invest Your Next £1,000?
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 questions. Before choosing an app, a platform, or an investment, the real decision is where the money should go first. In this episode of Am I Too Late?, we break down a simple way to structure your money using three layers: cash safety, pension advantage...
22 Feb 2026
8. ISAs - More Than Just A Savings Account
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 why they’re more than just another place to park your money. If you’ve ever felt confused about ISAs, unsure whether you need one, or assumed they were only useful if you had a lot of money — this episode is for you. We cover: What ISA stand...
11 Nov 2025
7. Pensions (Part 3) Catch-Up & Clean-Up
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 actually worth it, this episode connects the dots. We’ll break down the annual allowance, the carry-forward rule, and how to find and tidy up old pensions from past jobs — plus why the tax relief you get now often outweighs the tax you’ll pay later. ...
26 Oct 2025
6. Pensions (Part 2) The Best-Kept Secret
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 money’s quietest superpowers — your pension. It’s not just a savings pot for later life; it’s a built-in growth engine and a secret tax advantage hiding in plain sight. If you’ve ever wondered how your pension actually grows or why it deserves more at...
12 Oct 2025
5. Pensions (Part 1) The Basics
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 grows, this episode will help you make sense of it all. We’ll cover: What a pension really is (and how it’s different from regular saving)How your money is invested through shares, funds, or bonds — and why that mattersThe three main types of pensio...
19 Aug 2025
4. How Much Is Enough?
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. We dive into what “enough” really means, not just as a number, but as a feeling shaped by your lifestyle, values, health, and goals. I’ll walk you through: Why “enough” is different for everyone.How lifestyle creep can move your financial goal...
1 Aug 2025
3. Knowing Your Numbers (Part 2) Make It Make Sense
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 most right now. We’ll cover: How to calculate your net worth (and why it’s more than just a number on paper)Doing a spending audit to see if your money aligns with your valuesSpotting (and stopping) lifestyle creep before it eats up your progressW...
22 Jul 2025
2. Knowing Your Numbers (Part 1) Where Do You Really Stand?
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 & Assets Debts & LiabilitiesIt’s not about shame or guilt. It’s about clarity. Because once you know these numbers, you can stop guessing, and start focusing on what really matters. 📝 Here’s the free Know Your Numbers wo...
15 Jul 2025
1. So... Am I Too Late?
You know that moment when you realise you probably should’ve started earlier... saving, investing, learning new tech, planning your future? Yeah, me too. In this very first episode, I introduce Am I Too Late?, a podcast for late starters who want to build financial confidence and digital fluency without shame or hype. I share a bit of my own journey: from life in Japan, the UK and now France, to the panic moment that sparked a major mindset shift. We talk money, investing, and how...
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