Jun 17, 2026 · 14 min · 10 segments
Spinal Tap’s amplifier famously went up to eleven — and so, quietly, does most of modern life: always one more notch, and never a moment to ask why. The smallest question in personal finance is also…
Paul CleworthHost
And if you haven't, please just stop this podcast right now and go and watch it.

Anyway, Nigel is the lead guitarist of the world's loudest rock band called Spinal Tap.

He's explaining to journalist Marty DeBerge, played by the late, great Rob Reiner, that his amplifier is special.

Well, it's one louder, isn't it? And the journalist stares at him and says, well, why don't you just make 10 louder? And Nigel looks at the amplifier and he looks back and he's just genuinely baffled by the question.

But on another level, it's the most accurate portrayal of how most of us relate to money, ambition, success and status.

And nobody ever stops, actually stops to ask, why don't we just make 10 louder? And it's not just Nigel.

And if you haven't, please just stop this podcast right now and go and watch it.

Anyway, Nigel is the lead guitarist of the world's loudest rock band called Spinal Tap.

He's explaining to journalist Marty DeBerge, played by the late, great Rob Reiner, that his amplifier is special.

Well, it's one louder, isn't it? And the journalist stares at him and says, well, why don't you just make 10 louder? And Nigel looks at the amplifier and he looks back and he's just genuinely baffled by the question.

But on another level, it's the most accurate portrayal of how most of us relate to money, ambition, success and status.

And nobody ever stops, actually stops to ask, why don't we just make 10 louder? And it's not just Nigel.
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