New Year’s Day 2026. The motivation is high, the To-Do list is long, and reality is quietly waiting round the corner.

In this episode Steve and Jess explore why New Year’s resolutions so often start strong and fade fast, and how to approach goals in a way that feels more realistic, more sustainable, and far less punishing.

They touch on the psychology behind “fresh starts”, the difference between being pushed by discomfort versus pulled by something meaningful, and how small, repeatable actions can beat grand plans.

On the money side, they discuss ways to reduce mental load, build better financial habits, and keep your progress steady even when life gets messy.

It’s thoughtful, practical, and lightly chaotic in the way only New Year’s Day can be.

In Episode 28, Steve is joined by Michael Kothakota, co-founder of Wolf Bridge Wealth, for a grounded conversation on the real value of financial advice beyond returns.

Mike shares how he and his wife launched the firm in the aftermath of the 2008 crisis, and how years of work with clients navigating major life events shaped his view of what good advice actually does for people day to day.

They also explore Mike’s teaching work at Columbia University, and why ethics, judgement, and clear communication matter just as much as technical knowledge.

The discussion then turns to a Vanguard paper from 2025 on the value of advice and what it suggests about reassurance, decision-making, and the human side of planning, especially when markets and emotions are moving at the same time.

Expect practical reflections on trust, client conversations, and the subtle ways great advice can reduce noise and help people make better choices with money.

In this episode of Juggling Mind and Money, Steve is joined by Chartered Financial Planner Luke James for a clear and grounded conversation about the recently released Budget. With Jess away, Luke steps in to help unpack the announcements that matter most to listeners and clients.

They cut through the pre-Budget rumours, explore the psychology behind fear-driven financial decisions and discuss the major changes around salary sacrifice, dividend tax, ISAs, VCTs, property income and the newly introduced mansion tax.

They also highlight what didn’t change, why many measures are delayed and the practical steps listeners can take while current allowances remain in place.

Tin Foil Hat Contest

This week, the usual Soccology segment is taking a break, and in its place we’re inviting listeners to get creative. If you’d like to take part, send a photo of yourself wearing your best tinfoil hat to: info@lucentfinancialplanning.co.uk