Frequently Asked Questions

What services do you offer?

Please navigate to the services page and you will see a comprehensive breakdown of all of our packages. Alternatively, drop our team and e-mail and open a dialogue regarding something more bespoke.

Are you financial advisers?

No. Time in the MRKT (a division of Time in Education Ltd.) is an educational provider and does not hold authorisation from the Financial Conduct Authority (FCA) to provide regulated financial advice. Nothing provided through our platforms, coaching sessions, or educational resources constitutes personal financial, investment, tax, or legal advice. Any examples or case studies shared are solely for illustrative and instructional purposes. Investors should always conduct their own research or consult an FCA-regulated financial adviser before making investment decisions.

What is the difference between education and advice?

Education gives you the tools, map, and understanding to navigate the financial world yourself. We teach you how markets work, what different asset classes exist, how compound interest operates over time, and how to build strategies for long-term growth. It is objective, informational, and equips you to make your own informed choices. Conversely, advice involves a regulated professional reviewing your specific personal circumstances—your bank statements, debt, income, and exact goals—and telling you which specific products, funds, or stocks to buy or sell (e.g., "You should put £500 a month into X fund inside Y provider").

What makes your sessions unique?

We are teachers first. Our complete suite of turnkey lessons was designed from the ground up by qualified educators who have led curriculum design in Ofsted "Outstanding" schools.

Most financial workshops are delivered by finance professionals who know the numbers, but don't necessarily know how people learn. As pedagogically trained teachers, we know how to structure complex concepts, keep an audience actively engaged, and ensure that real, lasting understanding takes place—whether we're speaking to teens in a classroom or adults in a workplace.

Don't I have to have lots of money in order to invest?

No, and waiting until you have "lots of money" is one of the biggest traps people fall into.

Investing is about rationale, not big initial sums. It’s about deciding to make whatever capital you can prioritise—whether that's £25 a month or £200—work for you over time. You don't need a fortune to start, but you do need a long runway. By consistently participating in the economy, you gradually shift your wealth position and open up opportunities that wouldn't exist otherwise.

Are you just another group of Youtube hustlers trying to sell us a dream?

No. Concern over the rise of "fin-fluencers" making bold promises and giving pseudo-advice online was actually a major catalyst for founding our company.

We aren't here to sell a lifestyle or hype individual stocks. Across our Substack and YouTube channels, we stick to teaching sound financial fundamentals. When we evaluate specific companies for our subscribers, we treat it like an academic case study—exploring both the bull and bear cases with complete objectivity. We deliberately do not disclose if we hold shares in the companies we feature, ensuring our content remains focused on critical thinking and analysis, not stock picking.