Prosperity Podcast with Nicole Bremner
The Prosperity Podcast is for ambitious individuals—entrepreneurs and professionals—who want to take control of their finances and create a life of freedom, security and meaning. It’s for those who believe that wealth is about more than just money, it’s about having the freedom to choose how you live, work and give.
Whether you’re just getting started or you’re looking to rebalance your approach, this podcast is your guide to building long term, sustainable wealth. We talk about investing wisely, creating multiple income streams and designing a portfolio that reflects your values and your goals.
Prosperity Podcast features honest conversations about money—how to grow it, how to keep it and how to enjoy it.
Nicole Bremner is an investor, certified financial coach, author and mum of three. Having had a successful career in investment banking, like many women who take a ‘career break’ to have children, she found herself at a crossroads, not entirely sure what path to take next.
Combining her financial knowledge with her passion for good architecture and design, Nicole was able to build on her experience and expertise to develop a new career, which fit around her children and spent the next decade building a multi million property portfolio in London.
Newly relaunched as Prosperity Podcast, Nicole interviews some of the interesting people she has met while navigating her (sometimes turbulent) voyage through professional and family life. From charity founders and travelling investors to authors and young entrepreneurs, these are the real tales of real people finding their way in business. Join Nicole as she listens to their stories and the lessons they have learned along the way.
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Prosperity Podcast with Nicole Bremner
Bricked It: It's All About Balance Chapter Four #184
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Why a balanced financial life — liquidity, tax, priorities, legacy and your relationship with debt — beats chasing any single asset, and the Freedom Triangle that taught me money was only ever one third of the picture.
Too much of anything is dangerous — diet, exercise, even water. Investing is no different. This chapter is about balance, and why it's the foundation of freedom rather than the enemy of it.
I break down what a genuinely balanced financial life looks like. Liquidity first: cash is queen, and three to six months of accessible savings is what lets you handle life's surprises without panic-selling. Tax efficiency next — using your ISA allowances, getting advice on whether to hold property personally or through a company. I'm candid here about being on benefits not so long ago, and why I'm now happy to pay tax.
Then the part that changed me most: the Freedom Triangle — money, time and place. I'd always believed money alone bought freedom. A week on my partner Paul's boat, sailing from Ibiza to Cartagena with no phone signal, taught me otherwise. It was the first time I'd slept properly in months. It made me ask the question I want you to ask too: are your investments working for you, or are you working for them? What's your real hourly rate — and would the numbers still stack if you costed your time honestly?
I finish with legacy and your relationship with debt, including the years I spent shuffling £32,000 of credit card debt between 0% offers, and the mental space that clearing it finally gave me.
In this episode:
- Balanced liquidity: why cash is queen and how much you should keep accessible
- Tax planning, ISAs, and personal vs. company ownership — plus my own benefits story
- The Freedom Triangle: money, time and place, and the sailing trip that reset me
- Are your investments working for you? Calculating your true hourly rate
- Legacy and inheritance (a question I'll answer in Chapter 7), and knowing your honest tolerance for debt
A note on the voice: what you're hearing is an AI-generated version of my voice reading my own words. It's me — just not in the room. I'd rather be upfront about that than pretend otherwise. Every word, every lesson, and every mistake is mine.
What does balance look like for you? Tell me on Substack at nicolebremner.substack.com, where paid subscribers get early access, extended commentary, and the chance to ask me anything.
Subscribe wherever you listen so Chapter 5 lands automatically.
Next week: Chapter 5 — The Real Deal.
Disclaimer: The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.