The Money Podcast
The Money Podcast
Oct 21, 2020
Money Today vs. Money Tomorrow
21 min

Balancing the right amount of input on money today vs money tomorrow is a time management exercise that will help to keep money flowing through your business today and enable you to scale your business tomorrow, but not everyone finds the right balance. Tune in to hear Rob share his thoughts on income generating tasks, key result areas and how you balance your time and money on the right income streams for sustainable growth.


Check out Rob’s supporter Facebook programme for more exclusive updates, lessons and courses on entrepreneurship, business, mindset, money and more.




  • Money today is your hourly rate, your consultancy rate and the money you get from the work that you do directly. This can consist of over the phone selling, mentoring and tutoring with a direct income earned today.


  • Money tomorrow is future income streams, future businesses, strategies and ventures that will generate you an income in the future. This can consist of business planning, ideation, future joint venture partnerships and deals you’re working on that will net an income in 12-18 or 24 months.


  • Key result areas work on money today and money tomorrow. For example, working on joint venture partnership and future deals are key to success but will only generate money tomorrow, however, it’s essential to invest time in partnerships and future deals for security and if money today dries up.


  • Income-generating tasks work purely on money today and create the money that helps your business survive on a day-to-day basis.


  • Aim to work on the 80/20 principle. Spend 80% of your time working on income-generating tasks for money today such as sales calls and marketing and 20% of your time on KRA’s for money tomorrow such as partnerships and collaborations.


  • Once you have scaled your business and have a staff and a sales team you can flip the 80/20 principle and spend 80% of your time working on money tomorrow strategies, deals and partnerships.



“If you spend eight hours a day on money tomorrow you can’t make money today and that’s a problem”

“Money tomorrow is uncertain but it’s essential to create ventures that will generate money tomorrow in case money today dries up”

“By working on money tomorrow you will ensure your company grows”

“By having a staff focused on money today you will ensure you keep money flowing”

“Admin is not money today or money tomorrow, you need to outsource the admin tasks that do not directly generate you an income”





Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur”


“If you don't risk anything, you risk everything”



Rob’s official website:



See for privacy information.

The Progressive Property Podcast
The Progressive Property Podcast
Kevin McDonnell
How I Quit My Job & Built a Property Business
Luke Brindley has scaled his property empire to over 15+ properties since joining the VIP programme at Progressive Property and is now securing JV funding for more deals helping other investors source and scale their own property portfolios. Listen in as Kevin and Luke discuss the fundamentals of property investments, what it takes to scale up your business from part-time investor to full-time property entrepreneur and how you can shift your mindset, leverage social media and build up a network of investors around you quickly and effectively.   Join the Progressive Property Community KEY TAKEAWAYS   In property you get out what you put in. It can take a long time to get traction in the property market and secure a deal but you need to be persistent, invest in your local area and look for the longterm gain and not the short term wins.   When you’re starting your property portfolio, exchanging your time for money is just too slow. You need to JV with investors and like-minded individuals in the property community to secure JV finance and more quickly scale your portfolio.   If you’re investing in property alone you can have a very limited mindset and it is not until you join a mentorship group that will you understand the value in ‘getting out there and speaking with people’ and discovering that you can raise funding for property deals. Start investing in property, building your network and mastering your strategy in your local area part-time whilst you’re still employed until you have partly replaced your income and cost of living. Once you do move into property full-time your portfolio, funding and JV funding will grow exponentially.   Use social media to share your property journey, interact and help other investors on their journey and you will organically grow your network and find more deals and funding for your property business.   SUBSCRIBE TO A BRAND NEW MINI-SERIES How to Perfectly Invest £5,000 | The Best Stocks | Property | Gold & Classic Cars Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Listen To Audio Recordings On The Money Podcast       BEST MOMENTS “Don’t look for the quick win, look for the long term gain.” “At the age of 35, I’ve been able to quick my day job and spend more time doing what I love” “In property you get out what you put in” “You don’t know what you don’t know” “My portfolio is 100% self-funded” “I’ll post property content daily on social media to share my success” “Two years ago I didn’t have property network and now I’m turning down deals” “Build your parachute while you’re in the aeroplane before your jump full time into property” “Social media has been the single source of finding investors for funding in the past 2 years” SUBSCRIBE TO THE A NEW INVESTMENT SERIES Episode One: How to Perfectly Invest £10,000 | The Best Stocks | Property | Gold & Classic Cars Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Listen To Audio Recordings On The Money Podcast ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.    CONTACT METHOD   ABOUT THE GUEST   Luke Brindley is a property investor, BTL portfolio owner in Hull and East Yorkshire and has been actively investing in the area since 2011 with the aim of improving the quality of available housing in the local area and provide tenants with a ‘new home’. Luke is the owner of Wizard Properties & founder of Grow Your Property Portfolio.     CONTACT METHOD               SUBSCRIBE TO THE A NEW INVESTMENT SERIES Episode One: How to Perfectly Invest £10,000 | The Best Stocks | Property | Gold & Classic Cars Watch Live On The Progressive Property YouTube Channel Every Monday At7PM Listen To Audio Recordings On The Money Podcast ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.    CONTACT METHOD  See for privacy information.
32 min
Property Magic Podcast
Property Magic Podcast
Simon Zutshi
The Proposed Capital Gains Tax Changes And They Could Affect You
In this week's show Simon talks about the Chancellor's proposed changes to Capital Gains tax, which are being considered in order to help alleviate the strain put upon the economy by the COVID financial measures, and the impact that these changes could have upon you as a property investor.   KEY TAKEAWAYS   Capital Gains Tax (CGT) is the tax you pay when you have a property that isn't your own residence, and which is sold for a profit. This increase in value is taxable. You will have a Personal Capital Gains Tax Allowance each year, which is currently £12,300. If you have a partner, then you both get this allowance. Sometimes it can be far more financially viable to hang on to a property rather that sell it and pay CGT from the small remainder. The government are quite happy for you not to dispose of the asset during your life, as when you die, the Inheritance Tax your family will pay is far higher (40%). This is why it can actually be far more beneficial to never pay off your mortgage.   BEST MOMENTS   'Taxes do change, and it's important for you to keep up to date' 'If you never sell a property, you never have to pay Capital Gains Tax' 'Do you really want to pay off your mortgage?' 'It's so important to get your head around the way tax works, as it may influence the way you invest'   VALUABLE RESOURCES   To access more free Creative Finance Strategies visit    Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi   To find your local pin meeting visit: and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone: Android   Register at Mindset For Property at -    ABOUT THE HOST   Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in    pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors.   Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business,, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals.   CONTACT METHOD   Contact and follow Simon here:   Facebook:  LinkedIn: YouTube: Twitter: Instagram: See for privacy information.
19 min
The Property Podcast
The Property Podcast
Rob Bence and Rob Dix from The Property Hub
TPP402: 3 property investors tell us about investing during the year of Covid
Have you been investing during Covid? Well, if you haven’t been investing during Covid, these three property investors certainly have.  Trying to build a portfolio is hard enough, nevermind trying to do it in the middle of a worldwide pandemic.  Naturally, it’s brought challenges for everyone. But it’s how you work through those challenges that will set you apart from others who have been investing during Covid. If you’re at a bit of a sticking point and you’re not sure if investing during Covid is the right thing for you, then today’s episode should certainly help. Here’s what to expect on this week’s property podcast episode On today’s episode Rob & Rob are talking to three investors who have certainly come across challenges whilst investing during Covid. You may recognise these three investors as Iain, Sarah and Steve. A panel of investors that we’ve spoken to a number of times before.  We like to check in with Iain, Sarah and Steve every now and again to see how they’re getting on with their investment journeys.  So we thought now would be a better time than ever to see how they’re getting on with investing during Covid.   In the news In the news this week we have a positive news story, hooray!  Safety checks eased to help flat owners ‘in limbo’. A lot of investors have been having issues trying to sell or refinance their property due to needing an EWS1 form. This came into place after the Grenfell Tower disaster, and is designed to show that there are no safety issues with the building. The good news is that it came out recently that the form won’t be needed for properties that don’t have cladding – and although there’s still confusion in the industry about exactly when it’s needed, this latest announcement certainly seems like good news for a lot of property owners and investors.   Hub extra This week’s Hub Extra is a quote for you. It’s the perfect quote to sum up the qualities needed to be successful in this current climate. ‘Success is no accident. It is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing or learning to do’ - Pele. Which we think is pretty spot on for right now.   Let’s get social We’d love to hear what you think of this week’s Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you’d like us to cover in the future - if so, pop us a message on social and we’ll see what we can do.   Make sure you’ve liked and subscribed to our YouTube channel where we upload new content every week!  If that wasn’t enough, you can also join our friendly property community on the Property Hub forum. See for privacy information.
24 min
The Disruptive Entrepreneur
The Disruptive Entrepreneur
Rob Moore
Urgent: How to Embrace Change 1st & FAST
Changes in the market around us can drastically and dramatically affect your business and if you are not prepared to embrace change first and fast then you are less likely to succeed. Listen in as Rob shares with you his brand new 6 phases of change model, how to find the hidden opportunities in times of change and challenge and why it’s essentials to have a testing mindset and always disrupt yourself first before being disrupted.   New Book Launch - 3rd December 2020 ‘Reinvent Yourself’ With Gerald Ratner   KEY TAKEAWAYS Embrace change by having a testing mentality to start small and test fast. By having a testing mentality in a changing market you will be able to get your new product or service quicker, get feedback and solve your customer problems easier. When you face change you will face challenges. As an entrepreneur, you must have the mindset to see the upside in the challenge to pivot and adapt your business to grasp new opportunities and solve new problems brought about by the change in your market or industry.   6 Phases Of Change Chaos Stage: Disruption, Denial, Resistance Order Stage: Acceptance, Order and Implementation   Disruption is when the status quo is challenged and the old habits are broken up. As a business, you will be far more empowered if you disrupt your market or your industry, rather than waiting for you to be disrupted by someone or something else. Is your disrupted you’re reactive and if you’re disruptive you’re proactive. Denial is the fear of change and delusion of progress. All entrepreneurs will have a phase of denial when there is change. Most people in business don’t know another way and when change affects that, denial strikes. Resistance is holding onto how things were done previously, a tight grasp of the present and past, rather than embracing the future and adapting to change. Acceptance is the realisation that change is happening and you embrace evolution and revolution rather than just standard progress in your business. Evaluation refers to the full range of solution emotions and the productive assessment of your business options. At this stage, you turn painful emotion into forward actions that will help your business survive and thrive in times of change. Implementation is actioning new strategies and tactics in your business and implementing the previous chaos of change into the new order that will allow you to grow and scale your business in disruptive times.   BEST MOMENTS “We are in survival of the fittest times” “When all is said and done, more is said than done” “Always challenge your thinking so that you can improve” “Disrupt yourself before you are disrupted by someone else” “Always be proactive rather than reactive” “Change will bring about new opportunities for you to bring new products and services to your customers and clients, but you must test before you run a wide launch." VALUABLE RESOURCES   ABOUT THE HOST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur." "If you don't risk anything, you risk everything." CONTACT METHOD Rob’s official website: Facebook: LinkedIn: See for privacy information.
25 min
Secret Leaders
Secret Leaders
Dan Murray-Serter, Rich Martell
Atomic Habits - Little things can transform your life
If you've not read Atomic Habits by James Clear, we urge you to stop what you’re doing and go and get it. It's one of those books that once you've read it, you start to think about how those ideas can change your reality. “The book’s been out almost two years now and has sold over two million copies. And for me, the most gratifying thing is that the ideas are useful. The best thing is to see people using them to build better habits in their own life or to break habits that they've been struggling with for a while.” While James is not the father of thinking about habits, he is an expert on the subject, having built up a newsletter around the topic years before launching his bestselling book. “I'm not the smartest person, I'm not the fastest person, I’m not the first person to talk about this stuff. But I want to do it in a way that's useful.” By doing this, he's simply a master of demonstrating what best practice looks like and how that impact can impact your future, which above anything else, makes him a person you might want to listen to. “A habit is a behaviour that's tied to a particular context. And what you start to realise is that you cannot have a behaviour outside of an environment. They all happen within a certain context. Any time the environment changes in a big way, behaviour changes in a big way.” So for everything you need to know about habits and how they can help you be the best version of yourself, don’t miss out on this truly insightful and illuminating episode. We chat about: * Why habits are universally timeless * How Uber was founded on users’ habits * What a habit is * How COVID has changed our habits * Bad habits that leaders should avoid * Important habits for startups to avoid Links: * Atomic Habits * 3-2-1 newsletter * The Outsiders - William Thorndyke Want to receive our podcast on a weekly basis? Subscribe to our newsletter!
44 min
The Michael Yardney Podcast
The Michael Yardney Podcast
Michael Yardney; Australia's authority in wealth creation through property
This is the type of property that will lead the recovery in 2021 with Stuart Wemyss
There are signs that the modest coronavirus-induced housing correction has come to an end. Nobody’s going to ring a bell telling us the market’s bottomed, but I’m sure when we look back in 12 months’ time, we’re going to find that the value of some properties has increased significantly and our property markets turned the corner in October 2020. But as usual, some segments of our property markets will continue to languish. Now I’m not denying that we’re still going to have some challenging times ahead. We are. But the recovery of our home values has been underwritten by a number of factors that we’re going to discuss in today’s podcast as I have a chat with Stuart Wemyss. Stuart’s going to talk about what kinds of properties are going to lead the recovery in 2021 and why buying the right property next time around is more important than ever. And then, in my mindset moment, I’m going to share with you one of the most important lessons I learned from one of my mentors as we talk about the miracle of personal development. At the end of today’s podcast, I hope you’ll have a bit more clarity about what’s going to happen to our property markets inn 2021 and what you need to do to position yourself correctly. What properties will lead the recovery in 2021? The major media has done a backflip on their predictions earlier this year of 10, 15, 20, and even 30% drops in property market values. One of the people who has forecast things over the past year and gotten it right most of the time is director of Prosolutions, Stuart Wemyss Highlights from our conversation: * The market didn’t take as much of a hit as many predicted that it would this is because: * The government absorbed most of the cost * The people who were hit hardest by the coronavirus pandemic were mostly younger and lower income * There are two major sectors to be concerned about: * Regions dominated by low-income earners * Inner city apartment markets * The loan pause data shows that 9 out of 10 of the greatest loan pause suburbs have been in southeast Queensland * This might be because the area was heavily impacted by the reduction in tourism * It’s also possible that most of the loan pauses are out of convenience rather than necessity. * Since prices are down on the lower end of the market, why not get in on that and get a bargain now? * There are two types of tenants in rentals: lifestyle tenants and necessity tenants * It’s the properties occupied by tenants that rent by necessity that are on the lower end of the market * These properties don’t offer much capital growth in the medium to long-term * The tenants may be living week-to-week, which makes it less likely these properties will be profitable * Lending criteria will soon be lessened. This is a game changer for property markets * Interest rates are low and probably going to stay low for several years to come * This decreases the risk of taking on debt and makes it more affordable * Lower interest rates will probably have a bigger impact on the top end of the market * Choosing the right first property is important because good decisions compound and lead to future good decisions Links and Resources: Michael Yardney Metropole Property Strategists Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Stuart Wemyss – Prosolution Private Clients Stuart’s Book – Rules of the Lending Game Some of our favourite quotes from the show: “Interest rates are likely to have a larger impact at the top end of the market, the luxury end of the market.” – Michael Yardney “Instead of asking about your work, your job, “what am I getting?” instead you should be asking yourself “what am I becoming?”” – Michael Yardney “If somebody hands you a million dollars, you better hurry up and become a millionaire.” – Michael Yardney Shownotes plus more here: This is the type of property that will lead the recovery in 2021 with Stuart Wemyss PLEASE LEAVE US A REVIEW Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how
42 min
Cash Chats Money & Personal Finance podcast
Cash Chats Money & Personal Finance podcast
Andy Webb
#151 The best ways to pay
Do you always use cards, or do you prefer cash? Are you likely to use services like Klarna or PayPal? What about gift cards and smartphones? I've taken a look at the pros and cons of the different ways you can pay to help you choose the best option. * Please do leave a review and rating if this saves you money. * ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5’s Shop Smart Save Money and founded the community To contact Andy email ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence
37 min
Pacey Performance Podcast
Pacey Performance Podcast
Robert Pacey
Pacey Performance Podcast #320 - Andrea Riboli (Head of Sports Science at Atalanta B.C)
In this episode of the Pacey Performance Podcast I am speaking to Head of Sports Science at Atalanta B.C, Andrea Riboli. I have made it pretty public that I have been wanting to get more practitioners on from Europe as I think its something that has been lacking recently. Atalanta have come out of nowhere to become a staple of Champions League football over the last few years. They have a productive youth development structure and are also pushing the boundaries in sports science in Italy. If you enjoyed this episode with Andrea Riboli you will enjoy these episodes with Matthew Varley and Stu Cormack. In this episode, we discussed... * Who is Andrea Riboli (background, education and experience)? * Designing conditioning sessions for football players * Using area per player to replicate external loads * Manipulating SSG variables * Physiological affects of these changes * Programming conditioning throughout the season * Structure * Incorporating strength work around on-field physical, technical and tactical work * SSG vs conditioning without the ball * When, where and how * Load * Quantifying training load * Quantifying the response to the load * Andrea can be found on Twitter @A_Riboli This episode of the Pacey Performance Podcast is sponsored by Output Sports – a Swiss Army Knife for optimising off field performance. Output Sports have developed a one-stop portable tool for comprehensive, valid and reliable athlete assessment. You can learn more about Output on or follow them on social media on @OutputSports where you can schedule a demo. This episode of the Pacey Performance Podcast is sponsored by Hawkin Dynamics, the team behind the world's only wireless force plate system. Hawkin Dynamics can be found at and you can follow them on Twitter @hawkindynamics This episode is also sponsored by IMeasureU. IMeasureU are a world leading inertial platform to precisely quantify body movement and workload metrics in the field. IMeasureU can be found at and you can follow them on Twitter @imeasureu. This episode is also sponsored by Omegawave, the only non-invasive readiness technology to assess both brain and heart. Omegawave can be found at and you can follow them on Twitter @omegawave. This episode is also sponsored by Athlete Monitoring the world’s most comprehensive, versatile and cost-effective Athlete Health & Performance Management platform for elite sports. You can find their website at or on Twitter @athletemonitor Keep up to date with everything that is going on with the podcast by following on Twitter @strengthofsci or visiting the Enjoy PP
59 min
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