Beyond PiggyBanks

Beyond PiggyBanks helps parents start investing early for their children so they can grow up with a powerful financial head start.Each episode explains simple, practical strategies to build wealth over time—no finance degree, large income, or complex tools required. Learn how small, consistent investments made early can grow into meaningful opportunities for your child’s future. Start early, stay consistent, and turn time into your child’s greatest financial advantage

Beyond PiggyBanks is a business podcast hosted by Unknown Host, with 19 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Beyond PiggyBanks, a business show with 19 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #3

  S2 Episode 3 — The Emergency Fund

  Jul 30, 202612 minS2

  You have been doing everything right. You know your numbers. You have started investing. The engine is running. Then something happens. The car. The job. The medical bill. The boiler. It does not matter which one — they all lead to the same place. You need money now, and you do not have it sitting anywhere. So you sell your investments. You stop your contributions. You put it on the credit card. And just like that, the engine stops. The emergency fund exists for one reason: to make sure that when life happens — and it will — your financial engine keeps running. In this episode I cover what it is, what it is not, how much you actually need, where to keep it, and how to build it as fast as possible. Three to six months of essential expenses. Separate. Accessible. Liquid. Built before you invest a single euro in anything else. Investing without an emergency fund is building on sand. This is the layer that makes everything else possible. The next episode covers the enemy in your wallet — credit cards, buy now pay later, and car loans. The tools designed to feel like help and cost you far more than they ever give back.

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  Episode #2

  S2 Episode 2 — One Salary, Multiple Expenses

  Jul 13, 202614 minS2

  You got the job offer. The number sounded solid. Then the first payslip landed — and the number that actually hit your account was different. That gap is where this episode starts. In this episode I break down what is really happening between gross salary and net salary — income tax, social contributions, pension, and the deductions that vary wildly by country. Then we go further: net salary minus expenses equals what is actually yours to work with — and most people never calculate that properly. I walk through the first foundational habit of this series — a two-phase tracking system that shows you exactly what lands, what leaves, and what is left. Not glamorous. Not exciting. But it changes everything that comes after. Visibility first. Choice second. That is where real money appears — not from earning more, but from keeping more of what you already earn.

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  Beyond PiggyBanks

  S2 Episode 0 - The Foundation Years - Trailer

  Jun 25, 20261 min

  I started a podcast for parents. The idea was simple — help them build a financial head start for their children, early enough to matter. That series is called Baby to Graduation. Now my son Rodrigo is heading to university. And that made me think. What does he do when he starts to earn? When the real decisions begin? That is what this series is about. Welcome to The Foundation Years — a Beyond PiggyBanks series. Whether someone gave you a head start or you are beginning from zero, this window you are in right now is one of the most powerful financial periods of your life. Income. No dependants. Time on your side. Your salary. Your emergency fund. Your debt. Your investments. Your taxes. The decisions that shape everything that comes after. Simple. Practical. No jargon. I'm Jorge and I'm here because your child deserves the advantage we never had. We are done hoping for the best. We have built it. Subscribe to Beyond PiggyBanks on Spotify, Apple Podcasts or wherever you listen. The clock is ticking.

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  Episode #1

  S2 Episode 1 — Your Turn Now

  Jun 25, 202610 minS2

  Have you just started earning and want to make sure you are making the right choices? Welcome to The Foundation Years — a Beyond PiggyBanks series. Three starting points. One thing in common: income, no dependants, and time on your side. This is the most important financial window of your life — and what you do with it is everything. In this episode I set out what this window is worth, the three traps that quietly waste it — comfort, lifestyle inflation, and complexity paralysis — and what this series builds from here. Practical, direct, no jargon. Built for wherever you are starting from. The next episode starts where it always starts. Your salary. What actually lands in your account. What is already gone before you touch it. And the habits that determine whether what is left builds something or disappears.

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  Episode #13

  Episode 13 — The Handover

  Jun 11, 20269 minS1

  This is the last episode of the Baby to Graduation series. Imagine it. Your child is sitting across from you. They are 18, or 20, or 22. You open a screen and show them a number. That number represents years of quiet discipline — monthly contributions that never stopped, markets that rose and fell and rose again, compounding that worked in the background without ever asking for your attention. You built that for them. Before they were old enough to understand what you were doing. This episode is about that moment. Not the legal paperwork. Not the account transfer. Those are administrative steps. This episode is about something harder and more important — how do you prepare your child to receive what you built? How do you hand over not just the money, but the understanding of how it got there? Because the number on the screen is not the gift. The understanding of how it got there — that is the gift.I walk through the handover conversation: what to tell them about time, compounding, diversification, fees, and automation. I cover the two temptations that follow a handover — cashing out, and simply stopping — and what each one actually costs. And I share what this moment really is: the most powerful financial education you will ever give your child.13 episodes. The engine is built. The handover is made.

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