Damien Fahy of www.moneytothemasses.com talks to Andy Leeks about money. This week, Damien explains why gambling and investing and two very different things.

Damien also explains how financial advisers earn their money and arms you with the questions that you should be asking.

Finally, Damien rattles off a list of freebies that all over 60's should be claiming.

80 20 Investor - Click here to find out more about Damien's 80 20 Investor service.