The Meaningful Money Personal Finance Podcast

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    ...

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 f...

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.y...

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 in...

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 and...

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...

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 30...

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...

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.to...

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 fou...

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...

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 year...

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 un...

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...

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...

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 investin...

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...

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 o...

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 how...

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 w...

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...

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...

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...

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...

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 p...