For the working majority, financial uncertainty is not an abstract concept—it is a daily reality. Yet research shows that 90% of senior leaders would choose a guaranteed bad outcome over an uncertain good one. Sam Conniff, creator of Uncertainty Experts and bestselling author of Be More Pirate, joins us to dismantle how fear dysregulates our brains and bodies, clouding rational financial choices. Conniff shares practical neurological lifehacks for reclaiming biological control and makes a powerful case for "professional rule-breaking"—shifting corporate culture from a dependency on permission to a culture driven by frontline agency and resilience.

Show Notes from our host, Emily Trant:

Have you ever had a moment where a tiny, insignificant mistake completely broke your ability to cope?

During the height of the pandemic, after my own startup had failed and my husband was made redundant, I found myself facing massive financial uncertainty with two young children and a mortgage. One afternoon, a broadband provider keyed in a promotional discount wrong on my account, accidentally upgrading me to a premium package instead. I completely lost it over a mistake that, objectively, wasn’t going to ruin us.

That is what acute financial stress does to the human brain. It's a psychobiological response that strips away your executive function, leaving you in a state of survival-driven fight-or-flight.

When I sat down with Sam Conniff, I met someone who deeply understands this intersection of emotion, biology, and structural adversity. Sam is a self-described pirate, an entrepreneur, and the mastermind behind Uncertainty Experts—the world’s most extensive behavioral study on how we respond to the unknown.

What I love about Sam's work is that it actively rejects the standard, sterile corporate models of risk management. Instead, he highlights the lived experiences of individuals who have historically navigated the deepest shadows of uncertainty: from refugees and gang-impacted youth to former inmates like Morgan Godin, who managed a high-security prison environment by structuring her days into rigorous, 15-minute intervals. Sam shows us how these extreme circumstances reveal real neurological tools for reclaiming agency.

This conversation completely reframed how I view systemic workplace challenges. It isn’t just about providing better financial tools; it’s about acknowledging the deep emotional weights the working majority carry every day. Sam makes a brilliant, rebellious case for "professional rule-breaking," showing that true resilience isn’t built on waiting for corporate permission—it’s built on having the courage to set a new precedent.

Thank you, Sam, for bringing your extraordinary insight, your rogue spirit, and your vulnerability to the show. You reminded me that while we cannot change the uncertainty of the world around us, we absolutely have the power to change how we navigate it together.

Buy Sam’s Book, Be More Pirate: https://www.amazon.com/Be-More-Pirate-Take-World-ebook/dp/B07DCDQK54/ref=books_amazonstores_desktop_mfs_aufs_ap_sc_dsk_1?_encoding=UTF8&pd_rd_w=5u0JY&content-id=amzn1.sym.9c9a049f-252a-49d9-a8c2-e300a1663200&pf_rd_p=9c9a049f-252a-49d9-a8c2-e300a1663200&pf_rd_r=143-4620680-4876941&pd_rd_wg=QZn07&pd_rd_r=06cd95e6-9bcd-4166-9e20-d9689856b610

Hosted on Acast. See acast.com/privacy for more information.

54,000 women a year are pushed out of their jobs for getting pregnant. That's a woman every ten minutes. Joeli Brearley, founder of Pregnant Then Screwed, joins Emily to expose the motherhood penalty — the career and financial setback that makes the Invisible Worker a mother. From the marriage bar to the modern pay gap, they make the case for affordable childcare, shared parental leave reform, and men picking up a mop.

Episode Notes from our host, Emily Trant:

Joeli Brearley has helped over 300,0000 women, including me. I have even been a client of Pregnant Then Screwed, the charity that Joeli founded to support women who have experienced pregnancy and maternity discirmination at work.

Mothers are the Invisible Workers. They are the ones stitching together part-time jobs around caring responsibilities, quietly absorbing the financial hit of the motherhood penalty, and propping up the economy through unpaid labour that barely registers in GDP calculations. I knew I had to have Joeli on to unpack the history that brought us here and what we can do to change it.

Joeli is one of the most compelling advocates I have ever met. She is precise with data, unflinching in her honesty, and she made me laugh and want to cry in equal measure.

Thank you, Joeli, for everything you do for working mothers.

Here are some of the resources and research we discuss on the show:

Pregnant Then Screwed: The charity Joeli founded, offering free legal advice to women who experience pregnancy or maternity discrimination at work, and campaigning for systemic change. In the last 10 years, they've supported over 300,000 women. Find out more and access free support here: https://pregnantthenscrewed.com/

Equality and Human Rights Commission (EHRC): Source for the statistic that 54,000 women a year — one in nine pregnant women — are pushed out of their jobs. Read more here: https://www.equalityhumanrights.com/

Institute for Fiscal Studies (IFS): Research showing that by the time a woman's first child is 12 years old, her hourly pay rate is 33% behind a man's on average. Explore the research here: https://ifs.org.uk/

Joeli's book — Pregnant Then Screwed: A data-driven, deeply personal investigation into the forces that hold working mothers back. Essential reading. Buy it here: https://www.amazon.com/Pregnant-Then-Screwed-Motherhood-Penalty/dp/1471192679

Hosted on Acast. See acast.com/privacy for more information.

FinTech pioneer Nigel Morris (Capital One, QED Investors) joins the show to discuss the double-edged sword of frictionless digital payments and the challenge of low financial literacy. He explores how data-driven strategies democratized credit, the psychology behind modern debt, and the potential for "Agentic AI" to help the working majority make better long-term financial decisions.

Show notes from our host, Emily Trant:

It’s rare to meet a titan of finance who views the world through the lens of a psychologist, but that’s exactly what makes this man such a force in the world of FinTech. For decades, the credit card industry was a monolith that essentially ignored anyone who didn't fit a very specific profile. Then came Nigel Morris.

When I sat down with Nigel, I didn't just meet a venture capital powerhouse or the co-founder of a Fortune 500 company. I met a "rabid empiricist" with a psychology degree who saw, earlier than almost anyone else, that the mainstream financial system was failing the actual mainstream, the working majority. He and Richard Fairbank pioneered an "information-based strategy" that didn't just change how banks work; it fundamentally democratized access to credit for millions of Americans who had been turned away by traditional institutions.

Nigel, thank you for your decades of pushing boundaries, for your relentless optimism about how AI can finally bring "hedge fund economics" to the everyday person, and for helping us see the invisible gaps where FinTech can truly flourish.

• QED Investors: Explore the venture capital platform Nigel co-founded, which focuses on disruptive fintech companies that are remaking the global financial system.
• Learn more here: https://qedinvestors.com/
• The Story of Capital One: For the full deep dive into how Nigel and Richard Fairbank revolutionized credit, check out The Capital One Story by Mary Curran-Hackett: https://www.amazon.com/Capital-One-Story-Institution-Leadership/dp/1400232791
• ClearScore: The platform Nigel co-founded to democratize credit information by providing free access to credit scores and reports.
• Check it out here: https://www.clearscore.com/
• The Future of FinTech (BCG Report): Nigel discusses insights from the 3rd annual report with BCG on how challenger banks are serving the underserved.
• Read the report here: https://www.bcg.com/publications/2024/global-fintech-prudence-profits-and-growth

Hosted on Acast. See acast.com/privacy for more information.