Money struggles are real, especially in the construction industry. Delayed payments, unpredictable income, living paycheque to paycheque and feeling like you're always one van breakdown away from chaos… sound familiar?

In this straight-talking episode of The Onward Shift Podcast, host Vishal Narbheram is joined by Rachel Harte, co-founder of Money First Aid, to tackle one of the last great taboos: talking about money.

With over 15 years in financial services, Rachel knows the pressure people face and she’s on a mission to make financial education accessible for everyone, especially those working in tough, shift-based industries like construction, retail and hospitality.

Together, they unpack:

• Why budgeting isn't about restriction, it's about freedom
• How to start saving when you feel like you’ve got nothing to spare
• The hard truths about credit cards, Klarna and ‘buy now, pay later’ traps
• Why so many tradespeople are stuck in debt and how to break the cycle
• What you really need to know about pensions, savings and compound interest

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This is real talk. No fluff. No judgment.

Just solid, actionable advice from people who get it. If you’ve ever felt embarrassed about money, stuck in financial stress or unsure where to even begin this episode is your wake-up call.

Books:

Rich dad poor dad - https://www.amazon.co.uk/Rich-Dad-Poor-Teach-Middle/dp/1612680194

How to own the world- https://www.amazon.co.uk/How-Own-World-life-changing-bestseller/dp/1473695309

Websites:

Boring money- https://www.boringmoney.co.uk/

Money helper- https://www.moneyhelper.org.uk/en

Find out more about Onward Shift and the support we offer here- https://onwardshift.com