When: 17th November @ 7.30pm

Where: Zoom (if you can’t make the live we send you the recording!)

In this session, we are honing in on the finances for high earners once you are returning to work.

If you or your partner earn over 100k you lose access to government childcare schemes. With 30 funded hours coming into play this September in England, losing out on this childcare help will become more painful than ever.

• What are the rules around net adjusted income?

• How much should you sacrifice into your pension before it stops becoming worth it?

• Should you reject your pay rise or go part-time?

• Are workplace nursery schemes a silver bullet for high earners?

• How do you weigh up your options?

We’ve teamed up with Philly Ponniah, Chartered Wealth Manager and financial coach to deliver a session tailored to these concerns. We will also be looking at estate planning once you’ve had a baby, and how to set your child up for financial success.

Suitable for those earning between £80,000 - £140,000 individually

Funded childcare spoken about refers to England. You can use the same principles to become eligible for tax-free childcare, which is UK wide.

What you will learn:

• What childcare schemes are available

• What to look out for when you earn around 100k re-funded hours and tax-free childcare

• How do you work out whether reducing your salary for childcare schemes is worth it?

• Should you go part time to access childcare benefits?

• Flexible working requests

The world of investing can seem murky and confusing, so we've teamed up with award-winning Family Wealth Manager Sophia Jarvis, founder of MIA (the UK's first female-led investment app), to deliver a straightforward session on how to get started.

Most parents wish they'd started sooner. This is your chance to get ahead. In five steps, this session will teach you how to give your child a real financial head start:

1. Laying the Foundations — Why an emergency fund comes before any investing decision, and how to build one
2. Choosing the Right Child Accounts — Cash vs. investing, explained simply, so you can pick what's right for your family
3. Making the Most of Tax-Efficient Incentives — The clever, often-missed ways to save on tax and bag government bonuses
4. Getting Family & Friends Involved — How to steer generous relatives away from another pile of plastic toys and toward contributions that actually grow
5. Staying on Track — How to set and hit real goals, whether that's university fees, a first house deposit, or even their retirement

Meet your host: Sophia Jarvis

Sophia is an award-winning Family Wealth Manager who spotted a gap in the market and founded MIA - the UK's first female-led investment app, designed to help modern families and loved ones easily contribute towards children's future milestones like university, a first house deposit, and even retirement.

As a mum of twins, Sophia knows firsthand the worries parents face when navigating their child's future - particularly mums, a community underserved by financial services and one MIA is built to support. She's passionate about helping parents and loved ones give children a genuine financial head start, and her expertise has been featured in FemaleInvest, HELLO, The Times, and FT Adviser.

"I don't think we can afford another baby."

If that thought has crossed your mind, you're not alone. 90% of the Nugget community told us the same thing: money is the main reason they're hesitating on baby number two.

And it makes sense. You've likely just found your feet after a stretch of low income on maternity leave, childcare costs are already stretching things, and now you're weighing up doing it all again… maybe alongside a house move, remortgaging, or costs you didn't have first time round.

But "can we afford it" is rarely a yes-or-no question. It's a "how" question, and most people just haven't sat down and worked out the how yet.

Having a child is time-limited. Not knowing the numbers shouldn't be what decides it for you.

So, how do you actually afford baby number two? Join 165+ parents who've already done this masterclass!

We will be looking at:

👉What maternity pay will you get a second time around?

👉How to manage childcare costs on maternity leave

👉 What you need to think about before going on your second maternity leave if you need a bigger house / to remortgage

👉Avoiding the pension gap

👉Why playing the just below £100k game will be even more important when you have baby no 2

👉How to avoid the flexible working trap

👉Is there a perfect age gap between children for your finances?

✅ Recording available if you can’t make the live

🙋🏻‍♀️ Time for your questions at the end

Returning to work after a long period of maternity leave can be really daunting, particularly when you feel like a different person to who you were before the baby!

This masterclass provides loads of tips & tricks for creating a smooth return to work and building your confidence.

We’ve teamed up with Return To Work Coach Clara Wilcox who will be teaching you how to take control of your return to work by creating a 7 point work induction.

Team Nugget will be taking you through your rights returning to work, navigating settling your child into childcare and requesting flexible working with your employer.​

This masterclass will cover...

• The importance of a return to work-induction 💼

• How to create boundaries with your employer to ensure work life balance

• How to use KIT days to create a smooth return

• The 7 key areas to consider as part of your plan ✅

• Build your toolkit to have a positive return to work 💪

• How & when to apply for childcare schemes

• Settling your child into their childcare setting 🧸

• How to navigate child sickness 🤢

• Your rights returning to work including breastfeeding ⚖️

• How to apply for flexible working ⏰