The Meaningful Money Personal Finance Podcast

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...

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 (relatively)...

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...

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 regularly...

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...

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 your...

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  W...

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...

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...

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… Showno...

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...

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 and...

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 hav...

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...

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...

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...

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...

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 no...

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 Having...

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, bon...

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

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 family...

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...

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 Che...

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...