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Steve sits down with Dan Sanders, optician and founder of Perspective Opticians, for a candid look at what it really takes to run an independent business for 21 years.

Dan opened his first practice in February 2005, aged 26, after deciding he didn't want to spend his career running people through the machine in a high street chain. What followed was a steep learning curve nobody had prepared him for. Three weeks in, with the bills landing and almost no one walking through the door, he came close to packing it in. He didn't. Three years later, he was finally able to draw a proper salary.

In this episode, Dan and Steve talk through the parts of business ownership most people never see from the outside: the wobbles, the 4am worries, the cycles of high and low that hit every few years whether you want them to or not. Dan shares how a six-month notice to leave his old premises felt like a disaster at the time, and why it might end up being the best thing that's happened to the practice.

They also get into the good stuff. The freedom to make a decision and just do it. The buzz of building a team that delivers. Winning a national independent award. Manifesting a big enough year to take the whole team to Ibiza. The quiet satisfaction of a client putting on a new pair of glasses and walking out a bit taller.

Along the way they cover:

• The earthquake moments every business owner gets, and why the change forced on you usually moves things forward
• Why personal recommendations still beat almost every other form of marketing
• Working with your spouse as a business partner, and the one rule that keeps it sane
• Looking after a team like family without burning out trying
• Why isolation is the silent killer for small business owners, and what to do about it
• The hardest lesson Dan has learned in 21 years of trading
• Going private after COVID, and what changed for clients
• Why media doom and gloom rarely matches what's actually happening in your business

There's also a real moment near the end where Dan talks about what working with Steve as his financial planner actually did for him, and it isn't what he expected when he walked in.

If you're a small business owner having a wobble, or a couple of years in and wondering whether the highs will outweigh the lows, this one will land.

A reminder that you're rarely as alone as it feels.

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The news is loud, the headlines are heavy, and our phones make sure we never miss a thing. Steve and Jess sit down to talk about what all of that does to your head and your money, and what you can actually do about it.

Steve opens with a particularly committed Diagnose Steve performance (lying awake at 3am, watching markets fall, wondering whether to sell everything) and Jess walks him back from the ledge.

In this episode:

• Why your brain reacts to a push notification like it's a real threat
• How the news, your phone, and the algorithm feed each other
• The difference between reacting and responding, and why it matters for your investments
• A simple way to think about what is and isn't in your control
• Practical ways to take the volume down: phone out of the bedroom, news on a timer, daily anchors that ground you
• A book recommendation from Jess that's worth your time

Plus the usual: an ongoing campaign for KitKat sponsorship, a cameo from Bargain Hunt, and Kenny the happy little horse.

If you enjoyed Episode 37 with George Kinder on living in the present, this one builds on the same idea.

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In this episode, Steve sits down with George Kinder, known to most as the father of life planning.

George has spent the last thirty years teaching advisers a very simple idea: that a financial plan is only useful if it delivers the client into the life they actually want to live. His famous three questions are designed to surface exactly that, and Steve and George walk through all three on the episode.

They also talk about George's new venture, The Moules, which he recently moved to London to launch. The premise is that most businesses are running at a fraction of their potential because of three productivity gaps hiding in plain sight, and George explains what those are and how to close them.

From there the conversation moves into his new book The Three Domains of Freedom, why listening is a faster form of intelligence than thinking, and how meditation fits into all of it.

A conversation about money, meaning, and what freedom actually feels like.

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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.

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We like to believe we make rational financial decisions.

In reality, our choices are shaped by shortcuts, emotions, and invisible mental biases we rarely notice.

In this episode, behavioural scientist Richard Shotton joins us to explore how the mind really works when money is involved — and why understanding these patterns may be more valuable than any investment tip.

We discuss why people misjudge their own financial abilities, why future goals struggle to compete with present comfort, and how small psychological triggers can influence big decisions. Along the way, we explore the gap between intention and action, the power of social influence, and why proof often persuades more than promises.

This conversation isn’t about blaming human behaviour. It’s about understanding it. Because once you see the patterns, you begin to notice them everywhere.

Richard's Website: https://www.richardshotton.com

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In this episode of Juggling Mind and Money, Steve and Jess explore Executive Burnout — how it develops, why high performers are particularly vulnerable, and the often-overlooked connection between pressure, identity and financial expectations.

They unpack the subtle progression from being productively “stretched” to chronically “stressed”, and what happens when that line is crossed.

This is an honest and practical conversation for leaders, founders and ambitious professionals.

In This Episode, They Discuss:

• The psychological distinction between being stretched and being stressed
• The warning signs that productivity is starting to decline
• What burnout actually looks like — physically and mentally
• Why executives often wear a “capable mask”
• The isolation that can come with being at the top
• The role of lifestyle pressure and the so-called hedonistic treadmill
• How financial commitments can quietly increase stress
• The impact of technology and constant availability
• Why boundaries and “managing up” matter more than ever
• The importance of recognising your own stress markers early
• Practical principles that help protect long-term performance

Executive burnout rarely happens overnight. It builds gradually — often disguised as ambition, responsibility or drive.