The Meaningful Money Personal Finance Podcast
Pete Matthew explains personal finance topics like investing, insurance, pensions, and getting financial advice in simple, everyday language. Each episode is split into two segments: what you need to know and what you need to do. The podcast is aimed at listeners who want to get their money matters in order.
Episodes
QA58 - Listener Questions, Episode 58
In this Meaningful Money Q&A (Episode 58), Pete Matthew and Roger Weeks answer six real listener questions on the money decisions facing UK savers and investors. We cover paying off your mortgage versus investing, gifting surplus income to manage care fees and inheritance tax, and how to buy capital gains tax-free gold. We also explore consolidating pensions before retirement and how LGPS members
QA57 - Listener Questions, Episode 57
In this UK personal finance Q&A, Pete Matthew and Roger Weeks answer listener questions on offshore investment bonds, GIA tax, pensions, retirement drawdown and building financial stability in your twenties. They explain how UK tax can apply to dividends, capital gains, offshore bond withdrawals, top slicing relief and pension crystallisation, with practical context for retirement planning and lon
Your Money & Your Mind - Adam Cockerham
In this episode of the Meaningful Money Podcast, Pete Matthew talks to Chartered financial planner Adam Cockerham about his debut book, Your Money and Your Mind, and the powerful link between our mindset and our money. Adam explains why our financial decisions are shaped far more by how we interpret events than by the events themselves, and how a calmer, more rational mind helps you detach your we
QA56 - Listener Questions, Episode 56
In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer real listener questions on UK retirement planning, pensions, tax and inheritance tax. They discuss tax planning after the death of a spouse, investment bonds, SIPP drawdown before State Pension age, Defined Benefit pension contributions, Fixed Protection 2016, inherited ISAs and lifetime gifting rules. If you are planning re
QA55 - Listener Questions, Episode 55
In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer real listener questions on UK pensions, retirement planning, tax and ISAs. They cover pension contributions for a spouse, starting a career in financial planning, reducing workplace pension fees with a SIPP, navigating the 60% tax trap, retiring abroad with UK pensions, and upcoming ISA rule changes from April 2027. A practi
QA54 - Listener Questions, Episode 54
In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer listener questions on key UK personal finance topics, including long mortgage terms, pension contributions, ISAs, investing property sale proceeds and planning for retirement with confidence. They explore flexible ISAs, SIPPs, Junior SIPPs, Gift Aid, money market funds and the £100k tax trap, with practical guidance for UK s
Life Search: Protection for Middle Age
In this episode, Pete is joined by Justin Harper from LifeSearch to explore why life insurance and financial protection still matter in your 40s and 50s. They discuss who still needs cover, when you may be able to self-insure, and the common mistakes UK families make when reviewing protection in middle age. You'll learn how mortgages, pensions, dependants, workplace benefits and changing health ca
QA53 - Listener Questions Episode 53
In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer six listener questions on UK personal finance - from gifting money to children using the 'normal expenditure out of income' rules to whether ISA withdrawals can support one-off big spends. They also cover pension consolidation and FSCS protection, investing while living abroad, how DB pension accrual affects SIPP annual allo
QA52 - Listener Questions Episode 52
In this UK personal finance Q&A, Pete and Roger tackle six listener questions covering pensions, investing, tax and money mindset. We discuss whether high earners should ever consider opting out of the NHS pension due to annual allowance tax, how to handle family gifts during divorce, and what to do about ERI on accumulating ETFs in a GIA. You'll also hear guidance on rebalancing after strong fund
QA51 - Listener Questions, Episode 51
In this Meaningful Money Q&A episode, Pete and Roger answer six listener questions on pensions, retirement planning and tax for a UK audience. We cover whether to put life insurance into trust, how to reduce the 60% marginal tax trap around £100k income, and whether taking a defined benefit pension early can make sense when health is a factor. Plus, we explain the Royal Mail Collective Defined Con
Can you oversimplify your pensions? Part 2
Part 2 of our UK pensions series, this episode covers everything you need to DO if you want to simplify your pensions without making expensive mistakes. You'll learn how to take stock of every pot, spot safeguarded benefits you should never move casually (like DB pensions and protected tax-free cash), and compare charges and platforms properly. We also break down transfer mechanics and the big dec
Can you oversimplify your pensions? Part 1
In this episode (Part 1 of 2), Pete and Roger unpack the big question: should you consolidate your pensions and investments, or can you oversimplify and accidentally make things worse? We break down what pension consolidation really means in the UK, the strongest arguments for and against it, and the key benefits and risks to watch for (including charges, safeguarded benefits, and 'all eggs in one
QA50 - Listener Questions, Episode 50
In this UK personal finance Q&A episode, Pete Matthew and Roger Weeks answer six listener questions covering pensions, retirement planning, investing, and mortgages. You will hear practical guidance on topics like using UFPLS and ISAs for gifting, whether dividend income is a sensible retirement strategy, and what to consider before consolidating multiple pensions into one provider. The episode al
QA49 - Listener Questions, Episode 49
In this episode of the Meaningful Money Podcast Q&A, Pete Matthew and Roger Weeks answer six real listener questions on UK personal finance - from inheriting a SIPP (and the under-75 vs over-75 rules), to how inheritance tax could hit a property-heavy estate. They also discuss what to do with a large Employee Stock Purchase Plan (ESPP) holding, whether a longer 35-year mortgage can be a safer opti
QA48 - Listener Questions, Episode 48
It's another Q&A show where Roger and Pete answer YOUR questions about such mighty subjects as bridging the gap from retirement to state pension, CGT for non-taxpayers and much more besides! Shownotes: https://meaningfulmoney.tv/QA48 02:18 Question 1 Hello Pete and Roger, wonderful podcast and I'll try and acceed to your short question desire. And I'll try not to use the word should. I am 52 a
QA47 - Listener Questions, Episode 47
Time for another Q&A episode where Roger & Pete answer questions on retirement planning, passing assets to children. SIPP vs ISA and much more! Shownotes: https://meaningfulmoney.tv/QA47 01:42 Question 1 Hi Pete, Roger, and Nick, Thank you for the podcast - I've been listening for a while but fell behind and just binged about 15 Q&A episodes over the last fortnight! There's nothing like liste
QA46 - Listener Questions, Episode 46
In this Meaningful Money Q&A episode (QA46), Pete Matthew and Roger Weeks answer six listener questions on the financial decisions many UK households are wrestling with right now. We cover bridging the gap to the State Pension with fixed-term annuities, strategies for staying under £100,000 adjusted net income (and avoiding the 60% tax trap), and how LGPS "CARE" pensions work including whether sal
QA45 - Listener Questions, Episode 45
In this episode of the MeaningfulMoney Q&A, Pete and Roger answer six listener questions covering a wide range of personal finance topics. We tackle a tricky inheritance tax situation involving a property bought in children's names, look at pension and ISA options for a daughter likely to spend her career working outside the UK, and offer some perspective on balancing financial sensibility with li
Planning for Pensions and IHT
From April 2027, many unused pension funds are set to be brought into the IHT net, changing how pensions work for legacy planning. Pete and Roger explain what's changing, what still remains exempt, where "double tax" can arise, and the practical steps to consider now — without rushing into knee-jerk decisions. 01:55 KNOW - Pensions no longer outside of estate 09:49 KNOW - Some important exemption
QA44 - Listener Questions, Episode 44
In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer six listener questions on UK personal finance, pensions and investing. We cover inheritance tax (IHT) and who actually pays it, a defined benefit pension "state pension deduction" before State Pension age, and whether salary sacrifice affects higher-rate tax relief. We also discuss whether global tracker funds are too concen
QA43 - Listener Questions, Episode 43
If you're a UK beginner and you're not sure where to start investing in 2026, Pete and Roger talk you through a calm, step-by-step investing order to follow. They cover when to build a buffer, tackle expensive debt and use employer pension matching, plus how to choose between a Stocks and Shares ISA and a pension. You'll also hear the key beginner mistakes to avoid so you can invest with confidenc
QA42 - Listener Questions, Episode 42
Pete Matthew and Roger Weeks cover self-employed saving rates, inheritance tax and estate planning, and how dividends are treated inside pension drawdown (including SIPPs). They also discuss salary sacrifice and contribution limits, the pros and cons of recycling tax-free cash, and whether to overpay your mortgage or invest via a Stocks & Shares ISA. Shownotes: https://meaningfulmoney.tv/QA42
QA41 - Listener Questions, Episode 41
In this Meaningful Money Q&A, Pete Matthew and Roger Weeks answer listener questions on UK personal finance, focusing on pensions, tax, and planning ahead. Topics include SIPP vs Lifetime ISA, retirement drawdown and which accounts to spend from first, Junior SIPPs, gifting company shares (IHT and CGT), and UFPLS vs drawdown. Shownotes: https://meaningfulmoney.tv/QA41 01:47 Question 1 Hello
No Bullsh*t Money with Andy Hart
Pete is joined by Andy Hart to cut through the noise and talk about Andy's new book No Bullsh*t Money Advice, sharing straight-talking, practical personal finance insights for UK savers and investors. Shownotes: https://meaningfulmoney.tv/session611 Book: No Bullsh*t Money Advice Ebook: No Bullsh*t Money Advice - Kindle Podcast: The Ten Financial Commandments Website: TRAP - The Real Adviser
QA40 - Listener Questions, Episode 40
In this episode we answer listener questions covering emergency funds for higher and additional rate taxpayers, and inheritance tax considerations around beneficiary SIPPs. We also discuss whether couples should rebalance pension contributions, the key steps to take before retiring abroad, and what to know about DB pension transfers. Finally, we look at cross-border pension taxation using the UK–D
How to Spot a Good or Bad Financial Adviser
Pete and Roger reveal how to spot a good financial adviser from a bad one. Learn the red and green flags—from transparent fees to pressure tactics—and the key questions to ask before committing. Essential listening for anyone considering financial advice. Shownotes: https://meaningfulmoney.tv/session609 Everything You Need To Know 04:00 - life vs product 05:18 - listens vs talks 06:40 - be
QA39 Listener Questions, Episode 39
Pete and Roger answer six listener questions covering Coast FIRE strategies with GIAs, US 401(k) tax implications in the UK, record keeping for IHT-exempt gifts, Australian pension taxation for UK residents, pension contributions to avoid the £100k tax trap, and managing a £2M portfolio as Power of Attorney. Shownotes: https://meaningfulmoney.tv/QA39 01:17 Question 1 Hi Pete and Roger, I'm 29
Becoming A Financial Adviser - Part Two: The SOFT Stuff
This week we finish off our two-parter on how to become a financial adviser. In this session, we cover the 'softer' part of the job, the human side which is arguably MUCH more important than the hard numbers… Shownotes: https://meaningfulmoney.tv/session607 02:18 - Why Financial Planning Is Not About Money 05:30 - Planning vs Product 14:38 - The Core Human Skills of Great Advisers 25:50 - Beh
How To Become A Financial Adviser, Part 1
This week, Roger and I discuss the answer to a frequently-asked question - how does one become a financial adviser? Clearly Roger and I make it look like a sexy profession, but as you can imagine, we have lots to say on the subject… Shownotes: https://meaningfulmoney.tv/session606 01:47 - What People Think Financial Advisers Do (and Why That's Incomplete) 07:25 - The Structure of a Modern Advic
Listener Questions, Episode 38
It's another Meaningful Money Q&A, taking in the £100k tax trap, splitting pensions on divorce, safely switching investment platforms and much more! Shownotes: https://meaningfulmoney.tv/QA38 01:59 Question 1 Hi Roger and Pete, Long time listener, first time questioner. My wife and I have both earned in excess of £100k for a few years now, meaning I am acquiring a peculiar set of skills on th
Understanding RISK
This is an important episode. Here, Roger and Pete dive deep into one of the most important subjects for anyone looking to improve their finances to understand - RISK. It's misunderstood and it's misrepresented, but risk can be your friend if you treat it right. Shownotes: https://meaningfulmoney.tv/session604 Get the PDF emailed to you - Risk Lens Guide: https://meaningfulmoney.tv/risklens
Listener Questions, Episode 37
Welcome to the first podcast of 2026 where Roger and Pete answer more of your varied and interesting questions, covering everything from what to do when you've maxed out your pension and ISA, to whether you should borrow on your mortgage to invest! Shownotes: https://meaningfulmoney.tv/QA37 01:30 Question 1 Hello to Roger and his trusty sidekick Pete, Only kidding Pete, but it will make Roger
Christmas Episode 2025
Join Roger and Pete for a 2025 retrospective where we look into the kind of year it's been and a little bit ahead to 2026. MERRY CHRISTMAS! Shownotes: https://meaningfulmoney.tv/session602 02:04 Meaningful Money - Podcast, YouTube, Academy 12:05 Antidote to the noise. 16:40 Bank of Dad 22:39 Jacksons 31:18 Personal Reflection 45:18 Thanks To... Meaningful Money Podcast on YouTube: https://www
Listener Questions, Episode 36
Welcome to the last Q&A session of 2025. In this show we cover selling properties to invest in pensions instead, starting to invest for the first time, UFPLS vs FAD and SO MUCH MORE! Shownotes: https://meaningfulmoney.tv/QA36 02:05 Question 1 Big thanks to Pete and Roger for all the excellent advice. This question is for some of the 2.8 million UK landlords. Even those with just one property
Listener Questions Episode 35
It's episode 600 of the podcast, not that we're doing much to mark that milestone! We have some excellent questions today, taking in retirement planning, getting a mortgage if you have a new business and how flexible ISAs work! Shownotes: https://meaningfulmoney.tv/QA35 02:43 Question 1 Hi Pete, I'm a single household, due to pay my mortgage off in my early 50's….I have very little savings an
Listener Questions Episode 34
We're getting into the groove of doing video podcasts now, and today we have another mixed bag of questions. They include the tax implications of moving abroad, whether to start a pension in your 60's, whether it's possible for a pension fund to be too big and lots more besides! Shownotes: https://meaningfulmoney.tv/QA34 01:24 Question 1 Hi Pete and Roger Thanks for the fantastic podcast, You
Budget 2025 - Roger and Pete respond!
Roger and Pete discuss the November 2025 Budget, 24 hours after it was announced by Chancellor Rachel Reeves. We cover the salient points from a financial planning standpoint and try to avoid politics if we can! Shownotes: https://meaningfulmoney.tv/session598b 02:37 Income Tax 09:27 Capital Gains Tax 12:35 IHT 17:32 State Pension 19:48 Salary Sacrifice 25:32 What was NOT announced 30:02 VCTs
Listener Questions, Episode 33
Welcome to another show full of questions form you, the audience and hopefully some meaningful questions from Pete & Roger. This week we have questions about paying school fees, becoming a financial adviser, how to invest an inheritance and lots more! Shownotes: https://meaningfulmoney.tv/QA33 01:15 Question 1 Good morning Pete & Roger, Thank you for a great podcast, been really enjoying it o
The Retirement You Didn't See Coming, with Dan Haylett
This week I enjoy a brilliant conversation with Dan Haylett, a fellow financial planner and podcaster, and author of The Retirement You Didn't See Coming, a book I highly recommend. Dan Haylett on LinkedIn https://www.linkedin.com/in/dan-haylett-retirement-coach/ Humans vs Retirement Podcast https://www.humansvsretirement.com/ The Retirement You Didn't See Coming - Book on Amazon https://amzn.
Listener Questions Episode 32
Some excellent questions this week, as always, and with the added bonus of moving the podcast onto YouTube! Join Pete and Rog as they answer questions about finance management apps, investment platform selection and transitional tax-free allowance certificates! Shownotes: https://meaningfulmoney.tv/QA32 01:39 Question 1 Hi Pete and Roger Thanks so much for all the work you do, I've only f
Listener Questions Episode 31
A couple of questions this week about having too big a pension fund, plus a great question on platform choice where Rog and Pete discuss their own experiences. Shownotes: https://meaningfulmoney.tv/QA31 01:58 Question 1 Hi, really enjoying the podcast. Started by watching your YouTube videos and still like getting the notifications of your new content. I have a question regarding early retir
Listener Questions, Episode 30
It's another varied mix of questions, with a couple on catching up after a late start, avoiding the 60% tax trap and lots more. Shownotes: https://meaningfulmoney.tv/QA30 01:03 Question 1 Hi, I'm curious if you have advice, best practice or tools to advise people who have a reasonable rental property portfolio on how to plan for retirement? I am 55, have taken 50k tax free cash, and 13k a ye
Listener Questions Episode 29 - Retire Soon
In today's Q&A episode, we're answering a bunch of questions from those on the threshold of retirement, getting into the nitty-gritty of age-difference planning, DB scheme reductions and all sorts! Shownotes: https://meaningfulmoney.tv/QA29 01:04 Question 1 Hi Pete I am really enjoying listening to the podcast, thank you. They make what can sometimes be a complicated subject much easier to
Listener Questions Episode 28
It's another mixed-bag of questions this week, covering income protection, the local government pension scheme, avoiding the 60% tax trap and much more besides! Shownotes: https://meaningfulmoney.tv/2025/10/08/listener-questions-episode-28/ 01:33 Question 1 Hello Pete & Rog I like to think of you as a couple of great mates offering me life changing information in a relaxed & entertaining fash
Listener Questions - Episode 27
This week, we have questions about planning property purchases together as a soon-to-be-married couple, investing an inheritance, balancing an age gap between spouses and much more besides! Shownotes: https://meaningfulmoney.tv/QA27 00:52 Question 1 Hi Pete and Rog, I've been listening to the show since 2020, and I absolutely love it. It keeps me grounded in a generation that frivolously sp
Listener Questions - Episode 26
Some great questions this week about planning for the loss of the personal allowance, investing in GIAs, persuading an aunt to write a will, and much more besides! Shownotes: https://meaningfulmoney.tv/QA26 01:11 Question 1 Dear Roger and Pete, I enjoy listening to your show driving to work. You are both down to earth and humble with your opinions. I read a lot on finance and have been invest
Listener Questions - Episode 25
It's another packed and mixed bag of questions here on Meaningful Money. Today we deal with Seafarer's pension contributions, tax-free cash on DB pension schemes and annual allowance calculations. Plus we give some thought to the evolution of the show… Shownotes: https://meaningfulmoney.tv/QA25 01:10 Question 1 Hi Pete and Roger Many thanks for all that you do. I am a long time podcast liste
Listener Questions - Episode 24
This week, Pete is rested after his holiday and may even be more tanned than Roger, for once! We answer a mixed bag of questions ranging from financial planning if you're on benefits to tax-free cash recycling and lots besides! Shownotes: https://meaningfulmoney.tv/QA24 01:38 Question 1 Hi there! I'm one of the very many people who look set to lose disability benefits (PIP and ESA) at the end
Listener Questions Episode 23 - Inheritance Tax
This week we have a bunch of questions on the subject of inheritance tax, trusts and estate planning. Fair to say, these stretched us quite a bit and we had some surprises as we researched the answers! Shownotes: https://meaningfulmoney.tv/QA23 01:45 Question 1 Hi Pete & Rodger Love the podcast as it has loads of useful information and you make it very simple (as it can be) and clear. Love ho
Listener Questions Episode 22: Financial Planning for Children
This week, Pete and Roger answer your questions about investing and planning for children, including trusts, life insurance and how to keep tax low. Shownotes: https://meaningfulmoney.tv/QA22 01:35 Question 1 Hi, A friend recommended your podcast in mid-Dec and have already listened to the Financial Advice Process and Combining Pensions episodes (which were both 100% relevant) and working my
Listener Questions, Episode 21
This week, we're covering redundancy sacrifice into a pension, cash ISA allowance reductions, evening up finances between spouses and much more - it's another MM Q&A! Shownotes: https://meaningfulmoney.tv/QA21 00:55 Question 1 Dear Pete & Roger, My question regards Redundancy Sacrifice into a personal pension (SIPP). In tax year 2024/25, I had "relevant UK earnings" of £44,000. I contributed t
Listener Questions - Episode 20
It's another full show of questions, ranging from assumed growth rates for investments, to Save As You Earn schemes to retirement cash buffers, and much more besides! Shownotes: https://meaningfulmoney.tv/QA20 01:21 Question 1 Hi to you both. Absolutely love the podcast and Pete's book. The information in both has made a huge difference to my understanding of what to do with my finances. My
Family Protection Trusts and the McClure Solicitors Scandal with Lee Jackson
Today I'm joined by my friend Lee Jackson who came to me with a thorny financial/legal problem a few months ago pertaining to Family Protection Trusts. I was able to help him answer one specific question, but the issue he faced is shared by tens of thousands of other people up and down the UK. So, I asked him to come on to the show to discuss it, just in case it would help other in a similar situa
The Soul of Wealth with Dr Daniel Crosby
I'm delighted to welcome back repeat guest, and one of the worlds leading lights in the field of behavioural finance - Dr Daniel Crosby. Daniel has a new book out, which I highly recommend, called The Soul of Wealth, and having read and enjoyed it, I asked Daniel to come and talk about it. It's a deeply practical book - not just theory or stats - and today I'm going to chat to Daniel to walk us th
Listener Questions - Episode 19
It's another mixed bag of your questions, taking everything from investing in offshore funds to evening up pension funds between spouses and lots more besides! Shownotes: https://meaningfulmoney.tv/QA19 00:57 Question 1 Hello Pete & Roger I am a regular listener to you show, love it and keep up the good work. My question is… I have a full 6 months emergency fund, I have no credit card debt or
Listener Questions 18 - IHT, Trusts and Care
We've managed to cobble together another themed Q&A episode, this week dealing with questions around Inheritance Tax, Trusts and Care planning. Lots for Roger and Pete to get stuck into! Shownotes: https://meaningfulmoney.tv/QA18 00:48 Question 1 Hi Pete, Hi Rog, Thanks for your ongoing work on the Podcast, I've been listening for many years and have learned a great deal from you both. Keep up
Listener Questions Episode 17 - In Our 30's
A bit of a themed Q&A this week, with some great questions from folks in their 30's. We cover share save schemes at work, large inheritances and retirement planning - yes, even in your 30's! Shownotes: https://meaningfulmoney.tv/QA17 01:29 Question 1 Hi Pete and Roger, First of all I wanted to say I'm a new but avid listener to the MM Podcast, I'm so glad I found it while I'm still (relativel
Listener Questions Episode 16
It's time for another Listener Questions session! This week we cover commercial property in pensions, ethical investing, inherited pensions and so much more. Shownotes: https://meaningfulmoney.tv/QA16 01:02 Question 1 Hi Peter / Roger, Many thanks for all the wisdom plus superb book, you two really make my week with the banter. I always hear about DB and DC pensions but wondered if you'd ever
Listener Questions Episode 15
Another mixed bag of questions this week, including pension tax free cash, salary sacrifice for electric cars, de-risking a pension and buying gilts! Join us as we answer your most pressing questions! Shownotes: https://meaningfulmoney.tv/QA15 01:05 Question 1 Love the show, and whilst not all relevant to my own circumstances, find it all very interesting and enjoyable. Question :-You regular
Listener Questions, Episode 14
Welcome to another MM Q&A, taking in budgeting rules of thumb, pension tax relief and offshore worker pension contributions, and lots more besides! Shownotes: https://meaningfulmoney.tv/QA14 01:57 Question 1 Hi Pete, I've been a long-time follower of your podcast and hope to be retiring or entering my 'renaissance' in the next five years or so. I'd like to know if you think the 50, 30, 20 rul
Listener Questions - Episode 13
This week's MMQ&A covered questions on whether you need an emergency fund in retirement, starting late and the mechanics of the residence nil rate band, among other things! Shownotes: https://meaningfulmoney.tv/QA13 Questions Asked 01:03 Question 1 Hello Pete n Rog Thank you for the brilliant podcast which has turned my money management around in four months. I love your banter as much as you
The Meaningful Money Retirement Guide - Launch episode!
Join Roger as he interviews Pete to celebrate the launch of The Meaningful Money Retirement Guide, asking the questions you want answered! Order The Meaningful Money Retirement Guide: https://meaningfulmoney.tv/meaningful-money-retirement-guide/ Shownotes: https://meaningfulmoney.tv/session574 02:10 Congrats on the new book, Pete - how was it writing this one, compared with the first? 05:39
Listener Questions Episode 12 - PENSIONS!
This week we devote an episode of the MMQ&A to pensions of all flavours, answering questions on public sector schemes, partial transfers, fund choices and much more! Shownotes: https://meaningfulmoney.tv/QA12 00:52 Question 1 Hi Chaps! I only recently got into podcasts and am frantically trying to listen to as many pension ones as I can. Yours are the most useful I've come across and now I ca
Listener Questions 11 - Capital Gains
This week we answer questions on the loose theme of capital gains tax and investing via General Investment Accounts (GIAs). Spoiler alert - nothing's as simple as it might seem! Shownotes: https://meaningfulmoney.tv/QA11 01:06 Question 1 Whenever a question comes up in our Facebook group about Capital Gains and GIAs (General Investment Accounts) I get a sinking feeling as I do not know much a
What (not) to do when markets are volatile
We really hesitated to put anything out regarding the current market volatility as we didn't want to add to the noise. But now that we're a couple of weeks in, hopefully the hysteria is starting to abate, and we can take something of a measured of things. We want to reassure you that discomfort is normal, but also provide some context that things are not as unprecedented as they might seem… Shown
Listener Questions Episode 10
As usual, we cover lots of ground in this week's Q&A, including tax-free cash recycling, private medical insurance and Lifetime ISAs. Shownotes: https://meaningfulmoney.tv/QA10 00:57 Question 1 Dear Pete & Roger. I'm a long-time listener and love the podcast, especially more so since Roger joined back in season 21. I'm an additional rate taxpayer with income below the threshold for the tapered
Listener Questions, Episode 9
Welcome to another Q&A show - this week we cover tax free cash from DB pensions, annuities vs drawdown and whether you should pay down a buy to let mortgage or invest. Plus quite a bit more! Shownotes: https://meaningfulmoney.tv/QA9 Questions 00:41 Question 1 Hi Pete and Roger. Thanks for your wisdom over the years. My question came about from an answer you gave on a previous Q&A about AVCs an
Listener Questions, Episode 8
It's another Q&A, and this week' we're talking Lifetime ISA withdrawals, whether you need life insurance and the NHS pensions scheme, among other things! Shownotes: https://meaningfulmoney.tv/QA8 01:08 Question 1 I just wanted to start by thanking you so much for your podcast. I'm probably one of your younger listeners, having started listening to you when I was 26. I feel very fortunate to ha
Listener Questions, Episode 7
Welcome to another Q&A show. This week we cover moving abroad, inheritance tax and paying into a pension while drawing from another, and lots more besides! Shownotes: https://meaningfulmoney.tv/QA7 01:16 Question 1 I've been a long time listener for my entire working career and your podcast has been invaluable to getting me to the great position I'm in now. I have recently been offered a very
Listener Questions - Episode 6
In this episode we answer questions about RSU's, the Cashflow Ladder, Pension vs LISA and a whole lot more! Shownotes: https://meaningfulmoney.tv/QA6 01:42 Question 1 Hello Pete and Roger. Recently discovered this and am listening to every single episode. Brilliant. I've read a fair amount about the % balance of Equities, Bonds/Gilts and Cash I should have in my retirement pot, based on my age
YOU CAN Set And Stick To A Budget
Today we're talking about budgeting and encouraging that you CAN set and stick to a budget. It's not easy, but it isn't complicated either, so we're here to make it as easy as possible. Shownotes: https://meaningfulmoney.tv/YC4 Everything You Need To Know 01:22 Budgeting is a baseline skill – spend less, earn more. 07:55 Budgeting should be forward-looking – be proactive not reactive. 09:30 K
Seven Myths About Money, with Rob Dix
This week, I chat to long-term friend of the show, Rob Dix, co-host of the Property Podcast, author of The Price of Money and now a new book Seven Myths About Money, which I highly recommend. Shownotes: https://meaningfulmoney.tv/session564 02:10 - Remind us about who you are and what you do. 03:47 - What was the trigger for writing this book hard on the heels of The Price of Money? 08:53 - Ca
Listener Questions - Episode 5
We're back with another Q&A show, with a bit of a DB Pension tilt this time, though we even get into a question on equity release. We cover lots of ground, as always - hope it's useful! Shownotes: https://meaningfulmoney.tv/QA5 00:55 As you made a request for questions I thought I'd pose this (apologies in advance for the length, feel free to trim as required): I am single, mid-forties, with
YOU CAN be financially prepared for life events
Today we're going to be taking about being financially prepared for life events. This is important because it's so easy to make progress with your finances, only to have the rug pulled out from under your feet by something unexpected. Or even something that IS expected… Shownotes: https://meaningfulmoney.tv/YC3 Everything You Need To Know 03:00 Life events – like what? 03:55 Marriage 04:43 Havin
YOU CAN Learn To Invest
In today's episode, we show you how YOU CAN learn to invest. Honestly, it's easier than you think! Shownotes: https://meaningfulmoney.tv/YC2 Everything You Need To Know 01:21 What is investing? Swapping your money for assets that grow in value, produce an income, or ideally both. 05:46 Why do people think it's hard? 08:14 What you really need to know? Asset classes that matter - equities, bo
YOU CAN Be Good With Money
Today we kick off a brand new season designed to empower you to take control of your finances. We're excited for this one as we hope to show you that you CAN be good with money! Shownotes: https://meaningfulmoney.tv/YC1 00:01 - Intro 03:27 - Everything You Need To Know 23:29 - Everything You Need To Do 49:08 - A Review From A Listener
Questions & Answers, Episode 4
It's another Q&A show, and this week we cover managing finances under an LPA, Maternity pay, and what to do with a big windfall, plus lots more besides! Shownotes: https://meaningfulmoney.tv/QA4 00:58 Big fan of the show. Really appreciate your work. Dad is 92 with rapidly declining health (Dementia and mobility issues). He is still living at home with Mum (80) who is caring for him with famil
Questions & Answers, Episode 3
Good to be back with another Q&A show to kick off the new year. This week we cover, ETFs, Pension contributions for high earners, tax relief for non-earners and lots more besides. Shownotes: https://meaningfulmoney.tv/QA3 02:21 First of all I have to thank you for the many years of enlightening listening that I have enjoyed. I thought it was excellent when Pete created the content, however it only
Helpful Basics -Combining Pensions
Today we're going to look at combining or consolidating pensions - a big subject which we'll try to do some justice… Shownotes: https://meaningfulmoney.tv/HB10 What You Need To Know 02:15 Why transfer? 04:47 How the process works. 07:47 Things to watch out for. 14:39 About Defined Benefit transfers. Everything You Need To Do 26:44 Get up to date with your existing plans. Pension Transfer Ch
Helpful Basics: The Financial Advice Process
In this episode, we want to look at the financial advice process, and give you the helpful basics that you need to think about if you are considering getting professional financial advice. Shownotes: https://meaningfulmoney.tv/HB9 What You Need To Know 02:24 Advice vs planning - Advice is product-led, Planning is outcome-led. 08:11 The Financial Planning process. 08:50 Establish and define the r
