As a 20 year old who got taught NOTHING in school about how to buy a house (or even if that’s the best thing to do), I invited mortgage advisor Dan Knott on the show to fill me in on the need-to-knows!

Dan on Insta: https://www.instagram.com/dandoesmortgages_/

Dan’s podcast: https://open.spotify.com/show/6Sb30WrJXG3tWpH70YMLK6?si=ab8a1fd45eb74eea

CHAPTERS:

00:00 Rent or buy in 2025?

01:12 When renting is best

02:20 Why no one teaches this

02:48 What even *is* a mortgage?

03:41 A history of mortgages (from Rome to now)

05:27 Is now a good time to buy?

06:05 Getting mortgage ready

07:25 How the Lifetime ISA works

08:08 When to start preparing

08:35 Credit history from age 18

09:51 Adverse credit explained

10:49 What if it wasn’t your fault?

11:38 How long does bad credit last?

12:01 Avoiding missed payments

13:13 Should you take on debt to boost credit?

14:10 Credit utilisation 101

15:21 What you’re actually paying for

15:29 Average deposits

16:22 Do bigger deposits get better rates?

17:22 Fixed vs variable mortgages

18:03 Tracker mortgages

20:26 The rate spike problem

21:07 Remortgaging matters

22:29 Who sets interest rates?

23:30 Negative equity

24:45 Flats and new builds

26:03 Mortgages if you're self-employed

28:48 Tax vs borrowing power

30:06 You're ready – now what?

31:20 What’s an ‘agreement in principle’?

32:19 Credit score vs credit report

34:41 Hidden buying costs

35:13 What a solicitor actually does

36:20 Why legal stuff feels awful

37:53 Is the UK system broken?

39:16 Why we avoid long fixes

40:32 Breakups and mortgage traps

41:21 Why we're buying later

43:03 Age limits on mortgages

44:17 Buying late = kids later?

45:03 Lifetime ISA limitations

46:58 Why we don’t just move north

48:54 How many use parental help?

51:23 Can we fix the market?

52:21 North vs south property gap

53:00 Move abroad to afford a home?

53:01 Extra fees to expect

54:05 Are foreign investors buying up all the property?

55:13 Why are flats sitting empty?

56:56 Can we reset the market?

57:37 Are new builds overrated?

59:35 What I learned renting at 18

01:00:55 100-year mortgages?

My Instagram: https://www.instagram.com/elliotbewick/

TikTok: https://www.tiktok.com/@elliotbewick

X: https://x.com/elliotbewick

ABOUT THE NEXT GENERATION:

In a world saturated by social media and marked by skyrocketing rates of anxiety, depression, and ADHD among Gen Z, young people are growing up in a landscape of chaos and contradiction. While protests swell in city streets and activists hurl soup at famous artworks to demand climate action, a quieter crisis unfolds within - the mental and emotional battles faced by a generation trying to make sense of it all.

The Next Generation is hosted by 20-year-old Elliot Bewick, offering a raw and honest look at the world through the eyes of those living in it. Bringing together insight from professionals and young people on the ground, this podcast isn’t here to complain or chase clout. It’s here to bend the arc of the modern world towards solutions, truth and a love for the beautiful adventure of life itself.

Hosted on Acast. See acast.com/privacy for more information.

I sat down with Dr Robin Hadley to discuss involuntary male childlessness - the research around it and his personal experience. Dr Hadley is the author of many scientific publications on the subject, as well as the book, ‘How is a Man Supposed to be a Man? Male Childlessness – a Life Course Disrupted’, available here: https://www.amazon.com/dp/1800731876/

Dr Hadley on X: https://x.com/RobinHadley1

Dr Hadley’s website: https://www.robinhadley.co.uk/

CHAPTERS:

00:00 Robin’s experience of male childlessness

04:35 We’re conditioned to dismiss male broodiness

09:24 The stigma around childless men

12:16 Economic factors delaying fertility

15:17 Is it ethical to bring a child into the world?

19:31 We want instant gratification - which kids don’t provide

22:49 IVF is mostly unsuccessful

25:17 Young people are now corporate targets

27:24 Can antinatalism override biology?

31:04 The depopulation crisis

34:02 We’re living sicker, for longer

37:37 Attachment issues reduce fertility

43:40 Sperm health and steroids

47:06 Men have a biological clock too

48:12 The biggest predictors of male childlessness

48:48 The West does not celebrate the family

51:19 “There’s something missing”

52:47 The grief of not raising children

55:35 Tackling inequality

56:54 Final words

My Instagram: https://www.instagram.com/elliotbewick/

TikTok: https://www.tiktok.com/@elliotbewick

X: https://x.com/elliotbewick

ABOUT THE NEXT GENERATION:

In a world saturated by social media and marked by skyrocketing rates of anxiety, depression, and ADHD among Gen Z, young people are growing up in a landscape of chaos and contradiction. While protests swell in city streets and activists hurl soup at famous artworks to demand climate action, a quieter crisis unfolds within - the mental and emotional battles faced by a generation trying to make sense of it all.

The Next Generation is hosted by 20-year-old Elliot Bewick, offering a raw and honest look at the world through the eyes of those living in it. Bringing together insight from professionals and young people on the ground, this podcast isn’t here to complain or chase clout. It’s here to bend the arc of the modern world towards solutions, truth and a love for the beautiful adventure of life itself.

Hosted on Acast. See acast.com/privacy for more information.

I've found Rob Henderson's writing to be really illuminating over the last few years, so it was great to sit down and get deep into some of his ideas! Rob is well known for his political commentary, in particular, his concept of Luxury Beliefs. He has also written a hugely popular memoir, 'Troubled: A Memoir of Foster Care, Family, and Social Class', available here: https://www.amazon.com/dp/B0C7YF7DY3/

Rob's Substack: https://www.robkhenderson.com/

Rob's X: https://x.com/robkhenderson

CHAPTERS:

00:00 Why have older generations surrendered moral authority?

04:00 Young people are more likely to lie

07:59 Is university a scam?

12:24 University - a pyramid scheme?

17:30 Non-obvious benefits of going to college

18:30 A degree improves your chances with women

21:53 Are women’s standards too high?

26:05 Incels use misogyny to level the playing field

27:35 Decadence is taking men out of the game

30:50 Optimism for the long term

31:37 We think we deserve more despite being less impressive

36:29 What are ‘Luxury Beliefs’?

41:47 Hypocrisy amongst content creators

45:46 Elite hypocrisy has reversed

50:10 How did Rob avoid becoming ‘another statistic’?

53:56 What we consume shapes our trajectory

57:46 How Rob turned his life around

59:16 How to prevent bad outcomes in poor communities

1:01:12 Money is no substitute for a father

1:05:05 Which generation is to blame?

1:09:12 Psychopaths are drawn to politics

1:13:37 Should we utilise psychopaths for certain jobs?

1:15:38 Wrapping up

My Instagram: https://www.instagram.com/elliotbewick/

TikTok: https://www.tiktok.com/@elliotbewick

X: https://x.com/elliotbewick

ABOUT THE NEXT GENERATION:

In a world saturated by social media and marked by skyrocketing rates of anxiety, depression, and ADHD among Gen Z, young people are growing up in a landscape of chaos and contradiction. While protests swell in city streets and activists hurl soup at famous artworks to demand climate action, a quieter crisis unfolds within - the mental and emotional battles faced by a generation trying to make sense of it all.

The Next Generation is hosted by 20-year-old Elliot Bewick, offering a raw and honest look at the world through the eyes of those living in it. Bringing together insight from professionals and young people on the ground, this podcast isn’t here to complain or chase clout. It’s here to bend the arc of the modern world towards solutions, truth and a love for the beautiful adventure of life itself.

Hosted on Acast. See acast.com/privacy for more information.