How Money Really Works
Claim This Podcastby Peter Oliver & Stephen Hope
Podcast Overview
<p><b>How Money Really Works</b> is the podcast that explains what no one ever taught us about money.</p><p>Hosted by journalist <b>Peter Oliver</b> and wealth manager <b>Stephen Hope</b>, each episode breaks down how money actually works in real life — from savings, pensions, tax and investing, to property, risk and the financial decisions that shape our futures.</p><p>No jargon. No hype. No get-rich-quick nonsense.<br />Just clear, honest conversations designed to help you understand your money — and make better decisions with it.</p>
Language
🇺🇲
Publishing Since
12/31/2025
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Recent Episodes
May 27, 2026
Tony Blair, Tax Traps and Torn on Karaoke
<p>Peter and Stephen are back after Sunderland’s European dream became reality… and somehow that led to a pub conversation about capital gains tax.</p><p>This week on How Money Really Works:</p><p>• Why political promises always sound simpler than reality<br />• Reform UK’s “tax-free overtime” idea<br />• Wes Streeting, wealth taxes and unrealised capital gains<br />• Why politicians are all a bit weird<br />• Tony Blair’s dramatic warning about Britain’s future<br />• Net zero, energy prices and Britain’s competitiveness<br />• Why long-term planning seems impossible in modern politics</p><p>There’s also karaoke confessions, Sunderland in Europe, and the launch of Pete’s Portfolio getting one step closer.</p><p>This is financial education, not financial advice.</p><p>Follow us:<br />Instagram: @hmrwpod<br />TikTok: @hmrwpod</p>
May 14, 2026
S2 E1 - Freddos, Fuel Prices and Falling Governments
<h2>Title</h2><p>Season 2 Episode 1: Iran, Inflation, Bonds and Britain’s Political Meltdown</p><h2>Description</h2><p>How Money Really Works is back for Season 2.</p><p>Hosted by journalist and foreign correspondent Peter Oliver alongside financial adviser Stephen Hope, the podcast breaks down the biggest economic and political stories in plain English and explains what they actually mean for your money, your mortgage and your future.</p><p>In this episode:</p><ul><li>How the conflict involving Iran is driving up fuel prices and inflation</li><li>Why interest rates may stay higher for longer</li><li>What bond markets and gilts actually are</li><li>Why government borrowing affects ordinary people</li><li>The growing pressure on Keir Starmer and what political instability means for markets</li><li>Mortgages, household finances and what could happen next</li></ul><p>Stephen explains inflation through the “Freddo Index,” while Peter looks at the political fallout currently gripping Westminster.</p><p>As always, this podcast is for educational and informational purposes only and does not constitute financial advice.</p><h2>Follow Us</h2><p>Instagram: @howmoneyreallyworkspod<br />TikTok: @howmoneyreallyworkspod<br />YouTube: @HowMoneyReallyWorks</p><h2>Live Show Tickets</h2><p>Peter will be appearing live at the Fire Station in Sunderland for a special live recording of the WTF Sunderland podcast featuring former Sunderland AFC star Carlos Edwards.</p><p>Tickets available here:<br /><a rel="noopener noreferrer nofollow" href="https://www.thefirestation.org.uk/spektrix/ChooseSeats?EventInstanceId=173601ALVLPGRKPMTDLRTHJNNPDTTNBBL" target="_blank">Fire Station Sunderland Live Show Tickets</a></p><h2>Chapters</h2><p>00:00 Season 2 begins<br />06:15 The lost episode and where we’ve been<br />10:40 Iran, fuel prices and inflation<br />14:30 What is inflation?<br />17:10 The Freddo Index<br />21:00 Why prices go up<br />24:30 Bonds, gilts and government borrowing explained<br />31:30 Why bond markets matter<br />36:30 Mortgages, interest rates and household finances<br />41:40 Labour leadership pressure on Keir Starmer<br />47:30 Angela Rayner, Andy Burnham and Wes Streeting<br />54:00 Bond markets and political instability<br />56:40 Ed Miliband, energy policy and net zero<br />1:03:40 Final thoughts and outro</p><h2>Tags</h2><p>UK economy, inflation, interest rates, mortgages, bonds, gilts, Iran, fuel prices, Keir Starmer, Labour Party, Wes Streeting, Andy Burnham, Angela Rayner, Ed Miliband, politics, personal finance, economics podcast, UK politics, How Money Really Works</p>
February 21, 2026
S1 E7 - Gong Xi Fa Cai, End of Season One
<p>This week’s episode is… slightly stitched together.</p><p>Peter is in Macau for Chinese New Year. Stephen is in Tenerife on half term. The tech did not cooperate. We move.</p><p>Despite the “funk on the line”, this emergency episode still tackles some big themes:</p><p>• Why every new AI launch seems to shake markets<br />• What volatility actually means and why it is not the enemy<br />• The behavioural mistakes investors make during uncertainty<br />• Why Asia is outperforming while parts of the US tech sector wobble<br />• What the Industrial Revolution can teach us about AI today<br />• Diversification, time horizons and staying invested</p><p>Stephen explains why missing just a handful of the best recovery days can dramatically change long term outcomes. AI may feel like a steam horse in the next field, but reacting emotionally is rarely the winning strategy.</p><p>As always, this is financial education, not personal financial advice. Investments can rise as well as fall and you may get back less than you invest. Always take advice specific to your own circumstances.</p><p>This episode also marks the end of Season One. Peter is finishing one book and starting another, and Season Two is already in development with some very special guests lined up.</p><p>We will be back in around a month.</p><p>Until then, Gong Xi Fa Cai. May you get rich.</p><hr /><h3>Watch the show on YouTube</h3><p><a rel="noopener noreferrer nofollow" href="https://www.youtube.com/@HowMoneyReallyWorksPodcast" target="_blank">https://www.youtube.com/@HowMoneyReallyWorksPodcast</a></p><hr /><h3>Follow How Money Really Works</h3><p>Instagram<br /><a rel="noopener noreferrer nofollow" href="https://www.instagram.com/hmrwpod/" target="_blank">https://www.instagram.com/hmrwpod/</a></p><p>TikTok<br /><a rel="noopener noreferrer nofollow" href="https://www.tiktok.com/@howmoneyreallyworks" target="_blank">https://www.tiktok.com/@howmoneyreallyworks</a></p>
10 total episodes available
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- What is How Money Really Works?
<p><b>How Money Really Works</b> is the podcast that explains what no one ever taught us about money.</p><p>Hosted by journalist <b>Peter Oliver</b> and wealth manager <b>Stephen Hope</b>, each episode breaks down how money actually works in real life — from savings, pensions, tax and investing, to property, risk and the financial decisions that shape our futures.</p><p>No jargon. No hype. No get-rich-quick nonsense.<br />Just clear, honest conversations designed to help you understand your money — and make better decisions with it.</p> - How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
Information about guest appearances is not available.
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