Episode 29: The Property Secrets the Wealthy Never Tell You | Tax, Retirement & Generational Wealth

Episode 29: The Property Secrets the Wealthy Never Tell You | Tax, Retirement & Generational Wealth

Most people think property investing is about buying houses. The wealthy know it's about building freedom, protecting wealth and creating opportunities for generations to come. Over the past two episodes we’ve explored how to build a profitable property portfolio. But building wealth is only half the challenge. In this episode, we explore how experienced investors think once they’ve built a successful portfolio. We discuss why many investors use limited companies, the impact of Section 24, how retained profits can accelerate growth, and why property should be viewed as a cash-generating engine rather than the end goal. We also cover how rental profits can help fund pensions, diversify into other businesses, create multiple retirement income streams, and support long-term financial freedom. Finally, we examine succession planning, inheritance, family businesses and why financial education may be the greatest asset you can ever pass to the next generation. Whether you’re buying your first investment property or already have an established portfolio, this episode is about thinking beyond the next purchase—and starting to think in generations. In this episode we discuss: * Why many experienced investors use limited companies * How Section 24 changed buy-to-let investing * Retaining profits to accelerate portfolio growth * Property as a cash-generating engine for future investments * Capital allocation and how wealthy investors think * Using property profits to build a pension * Creating multiple retirement income streams * Succession planning and protecting family wealth * Frozen shares and growth shares explained simply * Why financial education is the greatest inheritance * The real purpose of property investing: freedom If you enjoyed this episode, please consider subscribing, sharing it with a friend, and leaving a review. It really helps the podcast reach more people. Get full access to Taxed & Taken: Money, Power & Freedom from the State at patelankeet.substack.com/subscribe [https://patelankeet.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4]

Episode 28: How Ordinary People Build Wealth Through Property Investing | Part 1

Welcome back to Taxed & Taken: The Podcast They Don’t Want You To Hear. This is Part 1 of a special two-part series on Property Investing. In this episode I explain why property remains one of the most powerful wealth-building tools available to ordinary people and how successful investors think differently from landlords. We discuss: ✔ Why property creates wealth ✔ The five wealth engines of property investing ✔ Why cash flow matters more than house prices ✔ How to calculate ROI correctly ✔ Why becoming an expert in one area gives you an advantage ✔ Why many Northern properties outperform Southern properties on cash flow ✔ The importance of stress testing investments ✔ Why every property should have a six-month emergency fund ✔ Why rent increases are essential for long-term profitability ✔ How inflation quietly reduces the real value of debt ✔ Why property is a 10–30 year investment ✔ How refinancing and compounding can turn one property into many If you’re serious about building long-term wealth through property, this episode is for you. Get full access to Taxed & Taken: Money, Power & Freedom from the State at patelankeet.substack.com/subscribe [https://patelankeet.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4]

Episode 27: Rich Dad Poor Dad Explained Simply – The Money Lessons School Never Taught You

What if everything you’ve been taught about money is backwards? For decades, we’ve been told to work hard, get good grades, find a secure job, buy a house, and save for retirement. But according to Robert Kiyosaki’s bestselling book Rich Dad Poor Dad, that advice may never lead to true financial freedom. In this episode, we break down the most important lessons from Rich Dad Poor Dad in plain English and show how they apply to everyday life in the UK today. We explore: ✅ Why employees are often the most heavily taxed group ✅ The Cashflow Quadrant and why the rich play by different rules ✅ The difference between assets and liabilities ✅ Why your home may not be the asset you think it is ✅ How the Rat Race keeps people working harder without getting wealthier ✅ Why schools teach you how to earn money, but not how to keep it ✅ The power of paying yourself first ✅ How to build multiple streams of income ✅ Why fear and greed drive most financial mistakes ✅ The real definition of wealth and financial freedom Whether you’re an employee, self-employed professional, business owner, or investor, this episode will challenge many of the assumptions you’ve been taught about money and help you think differently about building long-term wealth. As Kiyosaki famously said: “The poor and the middle class work for money. The rich have money work for them.” The question is: Are you working for money, or is money working for you? 🎙️ Listen now and discover the money lessons school never taught you. Get full access to Taxed & Taken: Money, Power & Freedom from the State at patelankeet.substack.com/subscribe [https://patelankeet.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4]

Episode 26: Should You Pay Off Your Mortgage Early… or Is That Exactly What Stops You Becoming Financially Free?

Most people are told to pay off the mortgage, get out of debt, and save cash. But is that always the smartest move? In this episode of Taxed & Taken: The Podcast They Don’t Want You To Hear, we question whether rushing to become mortgage-free could actually cost you long-term wealth. We compare two people with the same mortgage: one invests £300 per month from the start, while the other overpays the mortgage first and invests later. The result is surprising: the person who invested less ended up with more — because they started earlier. This episode covers: * Why mortgage overpayments give certainty * Why investing rewards time * How compounding changes the outcome * Why inflation can punish cash savers * Why being mortgage-free is not always the same as being financially free * When overpaying makes sense * When investing may make more sense The real question is not simply: “Should I pay off the mortgage or invest?” The real question is: “Am I using my money to feel safe today, or to become financially freer tomorrow?” Listen to Episode 26 of Taxed & Taken: The Podcast They Don’t Want You To Hear. Get full access to Taxed & Taken: Money, Power & Freedom from the State at patelankeet.substack.com/subscribe [https://patelankeet.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4]

Episode 25: The Laffer Curve: How Government Made Work Pay Less — And Dependence Pay More & How We Fix It

In this episode, I break down the Laffer Curve and why it matters today. The basic idea is simple: if government taxes work too heavily, people work, invest, build, and take risks less. And if the welfare system makes dependence more rewarding than independence, dependency grows. This episode looks at how government policy has made work pay less, why Britain’s tax system punishes productivity, and why high taxes eventually weaken the very economy the state depends on. I also explain how we fix it: lower taxes on work, lower taxes on investment, lower taxes on business, a simpler tax system, welfare reform, and — most importantly — a much smaller state. Because you cannot have independent citizens and an ever-expanding government at the same time. At some point, it is one or the other. Listen now — and ask yourself: how different would your life be if you were allowed to keep more of your own money? Get full access to Taxed & Taken: Money, Power & Freedom from the State at patelankeet.substack.com/subscribe [https://patelankeet.substack.com/subscribe?utm_medium=podcast&utm_campaign=CTA_4]