The key to wealth creation and financial freedom lies not so much in how much money you earn, rather what you do with the money you earn.

Sadly, this important lesson is not taught in schools leading so many people to live their lives pay cheque to pay cheque, trapped in unfulfilling jobs, laden with debt.

But it doesn't have to be this way. By learning to invest, even seemingly small amounts to begin with, can - and will - have a dramatic impact on your financial future.

So, if you're sick of not making any progress financially, listen up!

In this episode, I talk to Neil Doig about how to get started investing and some of the key concepts you need to consider and understand.

If you'd like to learn more, head over to Neil's website, www.moneytipps.co.uk

Your financial future rests on the decisions you make today.

The entrepreneurial journey is rarely a straight-forward easy one. Often it will take many twists and turns, and throw up all kinds of challenges and surprises.

But isn't that what life is all about?

Surely, taking a business from zero to millions is more exciting than just doing a job!

Some people may be put off by the risk, but the truth is that the greatest risk of all, is taking no risk.

The safe option is actually rarely safe.

In this episode I spoke with Jan Cavelle about her entrepreneurial journey and the challenges she faced.

Jan is an entrepreneur from the UK who has a few decades of running micro and small businesses behind her. She is passionate about supporting people to start and grow businesses.

She is very familiar with all the challenges that go with that, having started one from the kitchen table when her children were small, and she was a single mother, to go on to build that into a multi-million turnover business.

Jan has put her entrepreneurial experiences together with her passion for writing together a book aimed at helping entrepreneurs to grow their businesses during the big leap of £1-£10m.

The book is called Scale For Success, and it is being published by Bloomsbury. The UK publishing date is 4th February 2021, but she continues to encourage start-ups as well as scale ups.

Being an entrepreneurship may sound attractive, but it isn't easy.

Many people go in it with dreams of great success and freedom, but it doesn't always work out as they hoped.

There is no straight line to success. And as Richard Lau says in this episode, it's not a matter of if, but when, life will punch you in the face. What makes the difference is how you respond to those punches when they come.

Being a serial entrepreneur, Richard has had to take his fair share of punches. Some people may have given up, but Richard saw each know down as an opportunity start over using the lessons he's learnt from the challenges he faced.

Now the founder of logo.com, 20 years ago at just 30 years old, Richard had the month from hell. As a result of a hack on his business which wiped his customer records, and a dramatic move by a competitor, Richard was put back to square one financially and if that wasn't bad enough, a diagnosis of colon cancer that doctors believed was terminal followed it up.

Thankfully, Richard survived to tell the story, and you can listen to it here.