- 17
- Episodes
- 2025
- First episode
About The Bungalow
The Bungalow — Where Property, Money & Mindset Collide If you’re ready to ditch the 9–5 thinking and start building real wealth — welcome home. The Bungalow is the podcast that breaks the rules of “normal” finance, flips the script on property, and rewires how you think about money, life and success. Join Nicky and Kim as they uncover what the wealthy really do differently — from investing instead of saving, to creating assets that pay for their lifestyle. Every episode is packed with straight-talking insights, relatable stories, and the mindset shifts you need to start thinking — and living — bigger. Property. Finance. Freedom. This isn’t just another money podcast — it’s your wake-up call. Hit play. Change your thinking. Change your life.
- Publisher
- Nicky Brewin & Kim Rossiter
- Category
- business
- Language
- en
- Explicit
- No
- First episode
- 25 Nov 2025
- Latest episode
- 10 Mar 2026
Latest episodes
17 episodes in the feed.
10 Mar 2026
Stop Playing by the Wrong Rules: 4 Books That "Build Real Wealth"
The wealthy operate on a completely different set of rules. If you’ve spent your career working hard, saving diligently, and playing it safe, you might be realizing that the traditional "rulebook" for financial security is no longer working. In a world of rising inflation and shifting markets, "taking no risks will be your biggest risk." In this episode of The Bungalow, Kim and Nicky strip away the jargon to reveal the four life-changing books that shifted their own mindsets from "safe" to "successful." Whether you are sitting on capital that feels like it’s shrinking or you're simply ready to finally "crack" the code of investing, these books provide the psychological and practical bridge you need. Inside this episode, we discuss: The Power of "Yet": How a simple one-word shift from Carol Dweck can transform your financial potential. The Financial Mindset: Why Robert Kiyosaki’s principles are the key to realizing there are no barriers to wealth. The 5-Second Rule to Action: Using Mel Robbins to move past the fear of "looking stupid" and start making your money work harder. The Reality of Modern Finance: Navigating today's global economy to ensure your family's future is secure. You don't need more hype; you need a clear, calm explanation of how the game has changed. Join us for this "cosy chat" and discover why you haven't failed—you’ve just been playing by the wrong rules. Connect with us: If you ever want to understand how we structure investor partnerships or just want a clear explanation of how we make our projects work, message us. Zero pressure—we just love explaining how it works. #WealthMindset #FinancialFreedom #InvestingForBeginners #PropertyInvestingUK #GrowthMindset #TheBungalowPodcast #SmartInvesting #PassiveIncome #FinancialLiteracy
3 Mar 2026
Why Leaving £50k+ in the Bank is "Reckless" (Do This Instead)
Is Your Business Profit Actually Losing You Money? 5 Ways to Make Your Surplus Work Harder You’ve worked incredibly hard to build a successful business or career, and seeing a healthy profit in your account feels like a huge win. But here is the candid reality: if your surplus cash is just sitting in a personal savings or business bank account, it’s not working hard enough. In fact, beyond a basic emergency fund, leaving large pots of money in the bank is verging on reckless. We know you are time-poor and juggling a million responsibilities. It's easy to tell yourself you'll sort out your investments when things "calm down," but as any business owner knows, the calm never really comes. Meanwhile, your hard-earned capital is quietly degrading thanks to inflation and tax inefficiencies. In this episode of The Bungalow, we cut through the jargon and break down exactly how to stop seeing your surplus as a static safety net. Instead, it's time to treat your money like a worker that needs a job. We walk you through five practical ways to put your money to deliberate action, including: Paying yourself efficiently: How to navigate salaries and dividends to avoid lifestyle creep and high income tax bills. Escaping the time-for-money trap: How to turn your surplus into durable assets that continue to grow without you putting in further effort. The power of inter-company loans: A perfectly legal, tax-free way to move profits from your active business into a new property company to buy assets. Building a "security blanket": How property provides a second layer of income to stabilize your family's finances against the natural ups and downs of business. Shifting to a legacy mindset: Moving away from stressing over the next tax bill and toward creating safe, generational wealth. You don't need to take massive risks to be successful; you just need your money to grow safely and steadily. Tune in to discover how to build real long-term stability and finally feel the relief of knowing your financial future is secure. Follow us Tiktok: @thebungalowpodcast
24 Feb 2026
Is Your Money Mindset Secretly Costing You? (The Truth About Success Fear)
You’ve done everything “right”. You’ve built the career and secured a capital pot of £50k–£100k+, yet you still feel like you’re falling behind. Why does taking the next step with your money feel so heavy? In this episode of The Bungalow, we peel back the layers on the “internal rules” that are silently dictating your financial future. We’re moving past the jargon and the success theatre to talk about the deep psychological shifts required to stop your money from losing value through inaction. Inside this conversation: The Vocabulary of Wealth: Why changing just one word—switching from “poor” to “broke” - rewires your brain for problem-solving instead of a permanent state of lack. Neutralizing the charge: How to strip the fear and emotion away from your capital by viewing money as a neutral tool rather than a source of stress. The Ultimate Act of Self-Care: Why spending 15 minutes a week with your numbers is an act of self-respect that buys you a lifetime of peace. Forgiving the 20s: A relatable look at past financial stupidity; and why letting go of old mistakes is the only way to build a secure legacy for your family today. Abundance vs. Scarcity: Breaking the "money doesn’t grow on trees" cycle and training your brain to see opportunities where others see risks. If you’re ready to grow your pot calmly and steadily without the noise, this episode is your guide to moving from a passive learner to a confident action-taker. Listen now for a transparent, jargon-free look at how to finally feel proud of how you handle your money.
17 Feb 2026
The £100k Secret Banks Don’t Want You to Know
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.
10 Feb 2026
Five everyday habits that quietly keep people stuck financially.
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.
3 Feb 2026
Are you choosing life or just letting it happen?
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.
27 Jan 2026
Good Debt, Bad Debt — And the Quiet Mistakes Keeping You Working Longer Than You Need To
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.
20 Jan 2026
Set your life on fire — or stay financially stuck
You don’t need more money. You need more choice. In this episode, we unpack the real meaning of FIRE — Financial Independence Retire Early — and why staying comfortable can quietly keep you financially stuck. We explore how people with decent incomes and healthy savings still lose ground over time, not through bad decisions, but through inaction, fear and outdated ideas about risk, retirement and security. You’ll hear: why FIRE is about freedom, not retiring early the different FIRE paths — from Lean to Coast — and how to choose what fits your life how to work backwards from the life you want, not forwards from your salary practical ways to start building financial independence without hype or pressure This is a calm, honest conversation for people who want their money working harder — safely, intentionally, and without being sold to. If you’re ready to stop standing still and start designing your future properly, this episode will change how you think about money. The Bungalow is presented by Nicky Brewin & Kim Rossiter www.thebungalowpodcast.com (http://www.thebungalowpodcast.com) Did you know that we’re now on YouTube? Watch this episode at https://www.youtube.com/@TheBungalow_Podcast (https://www.youtube.com/@TheBungalow_Podcast) If you want to say hi, drop us a line hello@thebungalowpodcast.com (mailto:hello@thebungalowpodcast.com)
13 Jan 2026
What Actually Matters When You Invest in Stocks & Shares
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.
6 Jan 2026
What the wealthy understand about money (that most people never learn)
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.
29 Dec 2025
The Middle-Class Trap: Why Earning More Still Feels Like Falling Behind
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.
16 Dec 2025
Buy to Let is crumbling... or is it?
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.
9 Dec 2025
The Real Reason You’re Not Building Wealth — And How to Fix It Fast
Episode Title: The Real Reason You’re Not Building Wealth — And How to Fix It Fast Programme description: Forget everything you were taught about money. In this episode of The Bungalow, we tear down the biggest money myth still holding people back: that saving alone will make you wealthy. Nicky and Kim break down why the old rules no longer work — and how inflation, low interest rates, and outdated generational advice are quietly melting your money away. Through simple metaphors (ice cream in the sun, cash in the fridge) and clear explanations, they reveal the truth: wealth isn’t built by saving… it’s built by owning assets. Inside the episode: Why saving feels safe but is actually losing you money The three-bucket wealth system: income, savings, assets How inflation erodes your savings (and why banks love that you don’t notice) Property, stocks, shares & leverage — explained simply The psychology of fear, risk, and why most people never invest Real-world examples (like the £4.20 iced latte that costs £188k over a lifetime) How to develop an investor mindset even if you’re starting from zero This is the episode that will change how you think about money forever — and finally show you the moves that actually build long-term wealth.
2 Dec 2025
What is Rent to Rent?
Kim and Nicky deep dive into a little known property strategy called rent to rent. Learn who might benefit from this passage into property and how it can potentially start creating passive income for you with very little money down.
25 Nov 2025
Why we built the Bungalow
Welcome to The Bungalow—your new HQ for money, property and mindset that actually move the needle. In this premiere, co-hosts Nicky (Cambridge property investor/refurb rebel) and Kim (TV powerhouse turned deal-hunter) pull you into the real bungalow where it all began—wheelie-bin loft inspections and all. You’ll hear how TV careers, burnout, and a “there’s-got-to-be-a-better-way” moment led to Airbnb cashflow, buy-to-lets, and planning life backwards to exit the 9–5 grind. Expect honest stories, practical strategies, and weekly deep dives into property plays, financial freedom, and the mindset to back it up. If you’re ready to think bigger and make your money work harder, you’re in the right place. Listen now and join us at: thebungalowpodcast.com (http://thebungalowpodcast.com)
25 Nov 2025
The snowball that builds your wealth
In this mindset episode the girls chat everything 'Fear' and how to overcome it in relation to investing. How to continue your personal development, moving forward with your life and all the rewards of pushing yourself out of your comfort zone can bring.
25 Nov 2025
The excuse thats costing you your future
Compound interest is one of the most powerful forces in finance because it allows your money to grow exponentially over time. Einstein called it the eighth wonder of the world. Instead of earning interest only on the original amount you invested, compound interest lets you earn interest on both. This snowball effect means that even small, consistent contributions can grow into significant wealth if given enough time. It rewards patience, long-term planning, and consistent investing. Those who understand it earn it, those who don't understand it, pay it!
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