On this week's show Damien discusses the pros and cons of consolidating small pension pots. Damien also discusses the ‘what’, ‘how’ and ’when’ of investing and the one question that most people overlook. Finally, Andy discusses a new tie-up between Nectar and Avios which means you could release the value of unused and expiring Avios points.

Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.