The Meaningful Money Personal Finance Podcast

It's time for another listener Q&A! This time we cover paying off student loans, old pensions, alternative to pensions and ISAs and much more. Shownotes: https://meaningfulmoney.tv/QA2     00:40   Sophie - My question is that I am about to start earning a lot more than I thought I was as a graduate. I have always been told to ignore my student loans by my parents as it's essentially a tax, but loo...

Today we're going to focus on a subject that we often allude to, but which we want to take a bit further and deeper. We're always talking about the need to be intentional, but what does that actually mean, in practice? Shownotes:  https://meaningfulmoney.tv/HB8 Everything you need to Know 02:03 The definition of being intentional . 02:59 About goals . 06:48 Consistency . Everything you need to Do...

In today's episode of our Helpful Basics season, we're going to be talking about Pensions and ISA, explaining how they work, comparing them and helping you to know which ones to use and when. Shownotes: https://meaningfulmoney.tv/HB7 Everything you need to Know 02:07 Paying money IN. 13:50 Taking money OUT. 22:40 What happens when you die. Everything you need to Do 33:07 Join your employer's pensi...

Today we're going to be covering Helpful Basics in the area of self employment and side hustles. We'll be talking about what you need to know and what you need to do if you're planning on going it alone in business or supplementing your income in some way… Shownotes: https://meaningfulmoney.tv/HB6 What You Need To Know 01:55 What is self-employment? 04:08 What is a side-hustle? 09:18 How tax works...

We have a slightly different episode because today I am speaking with the good people from a company called CheckMyFile all about credit files and credit scores - why they are important and how we can optimise them to our benefit. CheckMyFile: https://meaningfulmoney.tv/checkmyfile Shownotes: https://meaningfulmoney.tv/HB5 01:33 - Pete chats with Beth. 04:15 - What is a credit record / credit repo...

In this episode we want to cover the helpful basics of a subject that underpins EVERYTHING to do with personal financial success - behaviour. Shownotes: https://meaningfulmoney.tv/HB4 Everything You Need To Know 02:06 We are really bad at making good decisions. 07:18 Many things are objective. 13:40 Our higher functions allow us to pre-think decisions. 15:56 Our goal is to be intentional. Everythi...

It's our first dedicated Q&A show! Roger and Pete answer six great questions from YOU - the listening audience. Shownotes: https://meaningfulmoney.tv/QA1  

In this episode we're going to do our best to give a decent run down of the State Pension - something that will form the backbone of most people's retirement income. We need to understand how it works, how to check what we're due and how to maximise it. Shownotes: https://meaningfulmoney.tv/HB3  

Today in our Helpful Basics season, we're going to talk about choosing your first investment. Lots to cover, but should be fun! Shownotes: https://meaningfulmoney.tv/HB2  

This new season is called Helpful Basics. Each week, Roger and Pete will pick a subject each week which might seem like a fundamental or basic subject, but we'll try to go pretty deep so that everyone learns something. For the first episode of the Helpful Basics season, we're going to cover what you need to know when you first start working. Shownotes: https://meaningfulmoney.tv/HB1  

Today I'm chatting with my friend Alastair Ford about a project we've been working on together, but also about our rationale for it and why we think it's a timely addition to the Meaningful family of services.   Meaningful Coaching: https://meaningfulcoaching.co.uk   Shownotes: https://meaningfulmoney.tv/session545  

Today I'm joined by my friend Dave Algeo a mid-life health coach to talk about the link between health and wealth and lots more besides. Shownotes: https://meaningfulmoney.tv/session544 Dave's Daily Sprout email: https://midlifereshape.com/MM24

Today we want to talk about the last Big Mistake, one which we come across all the time with our older clients, and that is worrying about care fees. This is an important one that we want to cover to give you some reassurance. Shownotes: https://meaningfulmoney.tv/BM10  

Today, in the penultimate episode of this series, we're talking about the Big Mistake of Not Spending Enough, which might surprise some people! Shownotes: https://meaningfulmoney.tv/BM9  

We're on the home straight of a season covering the big mistakes we can all make with our finances, and today we're talking about neglecting our financial reviews. It's easy to put things off, but keeping a regular eye on our financial situation is so, SO important. We're going to talk about why that's the case and how to make it as easy as possible to make sure they happen every time. Shownotes:...

Today we're going to be talking about the big mistake of waiting until… Until what? Well, we mean putting off making decisions until some arbitrary point the future, or until some self-determined set of circumstances come to pass - all will become clear, we hope!   Shownotes: https://meaningfulmoney.tv/BM7  

Today we revisit the vitally important subject of what the experts call behavioural finance or behavioural economics, which is really the study of how we interact, as emotional human beings, with the cold, hard world of finances. Shownotes: https://meaningfulmoney.tv/BM6  

We're carrying on our season of Big Mistakes and today we're covering the mistake of not planning for later life, which is truly a big mistake. There's lots to think about in later life and too many people leave it too late, causing problems for themselves and their loved ones. Shownotes: https://meaningfulmoney.tv/BM5  

Today we're going to look at the big mistake of Being Too Cautious, or to put it another way, taking too little risk. Obviously we're talking primarily about investing here, and we want to talk about why risk is your friend and the impact of taking too little risk on your future outcomes. Should be an interesting discussion!   Shownotes: https://meaningfulmoney.tv/BM4  

We bang on about watching our investing costs all the time. And for good reason - not paying heed to the impact of costs can mean throwing away money unnecessarily.   Shownotes: https://meaningfulmoney.tv/BM3  

Today we're going to talk our second big mistake: starting late. Of course this may not be a mistake, it may be the result of circumstance, and as we all know, life doesn't always conform to the perfection we'd perhaps wish for ourselves. Shownotes: https://meaningfulmoney.tv/BM2

In this new season covering some big mistakes that any of us can make with our finances, we start with the mistake of listening to the wrong people. But how can we determine who the wrong people might be? Show Notes: https://meaningfulmoney.tv/BM1

Today I am joined by repeat guest and financial planning legend, Chris Budd. He has a new book called the Four Cornerstones of Financial Wellbeing and it's a very helpful read for anyone struggling to keep money in its place, or with the effects that money can have on our mental health.   Shownotes: https://meaningfulmoney.tv/session533  

Today we're rounding off Season 27 by covering the last of our big ideas - and it's one of the raisons d'etre of Meaningful Money, that most people don't need advice. Shownotes: https://meaningfulmoney.tv/BI10  

Today we're covering the ideal order of financial priorities, something Pete and Rog learned early on in their financial planning training. The order was summarised by the acronym PIPSIO Protection Income Protection Pensions Savings Investments Other PIPSIO is nothing more than a useful mnemonic, but it really does serve a purpose. I still remind the advisers at Jacksons of it now and again. Shown...