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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.
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Recent Episodes
S1E9 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…
S1E8 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…
S1E7 7. Pensions (Part 3) Catch-Up & Clean-Up
Pension Catch-Up & Clean-Up: Annual Allowance, Carry Forward, and Why Tax Relief Beats Tax on WithdrawalIf you’ve ever wondered how much you can really put into your pension, what happens when…
S1E6 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…
S1E5 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…
S1E4 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…
S1E3 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…
S1E2 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…
S1E1 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…
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