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Steve sits down with Greg Davies, Head of Behavioural Finance at Oxford Risk, for one of the most practically useful conversations the show has had.

Greg has spent 25 years studying how people actually make financial decisions, and the gap between that and how economists assume they do.

They get into what financial wellbeing really means, why someone can be objectively wealthy and still live in a state of constant financial anxiety, and what advisors and clients can do about it.

Greg explains the difference between financial liquidity and emotional liquidity, and why most people who sell at the bottom of a market drop do so for emotional reasons, not financial ones.

The episode also covers the obsession with portfolio optimisation and why chasing the perfect allocation often leaves people more exposed, not less. Greg walks through Oxford Risk's 10 financial personality types, the difference between risk tolerance and risk capacity, and why leaning too heavily on one number has caused real harm in financial advice.

Towards the end, Greg shares his own Investor Constitution, the personal rules he follows to take decisions away from himself in high-pressure moments. Including one that stops him from making any investment moves during the week.

If you work with clients, manage your own money, or struggle to stick with long-term plans when things get uncomfortable, this episode is worth your time.

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You might be sabotaging your finances and have no idea why.

Steve sits down with Vicky Reynal, money psychotherapist and Sunday Times columnist, to explore the emotional forces underneath our financial habits: the childhood money lessons that follow us into adulthood, the fear of spending even when we can afford it, and what happens when two people with very different money histories share a household.

This one is for anyone who has ever felt anxious, guilty, or just stuck around money, regardless of how much they have.

In the episode, Steve and Vicky walk through several chapters of her book, Money on Your Mind: The Psychology Behind Your Financial Habits, unpacking why we behave the way we do with money and what we can actually do about it.

Your relationship with money started long before your first paycheck. This episode is a good place to start understanding it.

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In this episode, Steve is joined by Ian Archbold – chartered management accountant, global reward director at Haleon, and (as it turns out) a quietly devoted listener of the show.

Despite knowing his way around a pension spreadsheet better than most, Ian still made the decision to work with a financial advisor. In this episode, he explains why.

What we get into:

- Ian's unexpected career pivot from finance into the world of "reward" — and why he finds it genuinely fascinating.

- Why being good at earning money and being good at managing it are two very different things.

- The moment Ian spotted an investment opportunity during COVID – and why, when it came to it, he didn't act on it.

- The advice that led him to sell his Diageo shares, and why he's glad he did.

- Why Ian decided he wanted someone else handling his finances: time, focus, and the sense that things could be better.

- What he's genuinely looking forward to in retirement – and what concerns him most about leaving a job he actually enjoys.

- A broader conversation about money, happiness, and what financial wellbeing looks like across different stages of life.

If you enjoyed this episode, please leave us a review.