Shows
The Meaningful Money Personal Finance PodcastListener Questions 18 - IHT, Trusts and CareWe’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 the good work! My question is in relation to trusts. My parents, both aged 70, have recently got round to updating their wills, putting POA in...2025-06-2541 min
The Meaningful Money Personal Finance PodcastListener Questions Episode 17 - In Our 30’sA 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) young, I'm 39 and after years of making bad financial decisions the MM podcast has turned my attitude to money/i...2025-06-1842 min
The Meaningful Money Personal Finance PodcastListener Questions Episode 16It’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 cover the following: Many business owners like myself own buildings outright (as a pension) within a Commercial Sipp and then loop ba...2025-06-1139 min
The Meaningful Money Personal Finance PodcastListener Questions Episode 15Another 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 discuss taking the 25% tax free and what to do with the rest (annuity or drawdown) but need advice as I have 4 different pension pots, 3 frozen and 1 existing employer. I am looking to take th...2025-06-0433 min
The Meaningful Money Personal Finance PodcastListener Questions, Episode 14Welcome 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 rule is still a good rule of thumb, or is there a better one? About a year ago, I decided to...2025-05-2146 min
The Meaningful Money Personal Finance PodcastListener Questions - Episode 13This 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 expertise. My question is: Do people need an emergency fund in retirement, and if so how big should it be? With DB pensions coming my way I’ll have...2025-05-1435 min
The Meaningful Money Personal Finance PodcastThe 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 Why write this book NOW? 07:10 What isn’t in the book that you wish you’d included? Or probably more difficult to answer, is there something that (having completed the audiobook after writing) that you...2025-05-0744 min
The Meaningful Money Personal Finance PodcastListener Questions 11 - Capital GainsThis 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 about that type of account, and I don’t have one myself. I am not alone. I have gathered questions from our listeners about capital gains, so in th...2025-04-2352 min
The Meaningful Money Personal Finance PodcastListener Questions Episode 10As 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 annual allowance. I have been contributing £45k to my workplace defined contribution pension via salary sacrifice for the last couple of years, and my effective tax relief rate on contributions is 47%. 2025-04-0228 min
The Meaningful Money Personal Finance PodcastListener Questions, Episode 9Welcome 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 tax free cash. You mentioned it was possible (sometimes) to use AVCs as tax free cash to preserve the maximum D...2025-03-2625 min
The Meaningful Money Personal Finance PodcastListener Questions, Episode 7Welcome 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 exciting job opportunity abroad (specifically Luxembourg) and I’m thinking about financial issues I might want to cover. I am 29 and have a mid-fiv...2025-03-1243 min
The Meaningful Money Personal Finance PodcastListener Questions - Episode 6In 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 (61). Somewhere in the 40%s for Equities, perhaps. What I am not finding advice on is whether I should include my DB pension in this equation and, if so...2025-03-0545 min
The Meaningful Money Personal Finance PodcastListener Questions - Episode 5We’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 dependents (I do have some family I plan to pass wealth on to, but when they need it rather...2025-02-1243 min
The Meaningful Money Personal Finance PodcastQuestions & Answers, Episode 3Good 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 improved with the addition of Rog. Yours is by far the best personal finance podcast that I listen to, and long may it continue. My...2025-01-0838 min
The Meaningful Money Personal Finance PodcastHelpful Basics: Credit Files and Credit Scores explainedWe 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 report / credit score 06:50 - Purpose of a credit record. 08:52 - What makes a good / bad credit file 12:00 - Credit card to increase...2024-10-1635 min
The Meaningful Money Personal Finance PodcastListener Questions - Episode 1It’s our first dedicated Q&A show! Roger and Pete answer six great questions from YOU - the listening audience. Shownotes: https://meaningfulmoney.tv/QA1 2024-10-0239 min
The Meaningful Money Personal Finance PodcastHelpful Basics: What you need to know when you start workThis 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 2024-09-111h 09
The Meaningful Money Personal Finance PodcastBig MIstakes: Not Spending EnoughToday, 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 2024-07-3139 min
The Meaningful Money Personal Finance PodcastBig Mistakes: Neglecting ReviewsWe’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: https://meaningfulmoney.tv/BM8 2024-07-2435 min
The Meaningful Money Personal Finance PodcastBig Mistakes: Waiting Until...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 2024-07-1728 min
The Meaningful Money Personal Finance PodcastBig Mistakes: Behaving BadlyToday 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 2024-07-1043 min
The Meaningful Money Personal Finance PodcastBig Mistakes: Ignoring Later Life PlanningWe’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 2024-07-0352 min
The Meaningful Money Personal Finance PodcastBig Mistakes: Taking Too Little RiskToday 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 2024-06-2641 min
The Meaningful Money Personal Finance PodcastBig Mistakes: Ignoring CostsWe 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 2024-06-1937 min
The Meaningful Money Personal Finance PodcastBig Mistakes: Starting LateToday 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/BM22024-06-0537 min
The Meaningful Money Personal Finance PodcastBig Mistakes: Listening To The Wrong PeopleIn 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/BM12024-05-2938 min
The Meaningful Money Personal Finance PodcastThe Four Cornerstones of Financial Wellbeing, with Chris BuddToday 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 2024-04-1050 min
The Meaningful Money Personal Finance PodcastBig Ideas: Do you need advice?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 2024-04-0350 min
The Meaningful Money Personal Finance PodcastBig Ideas: PIPSIO - The Order Of Financial PrioritiesToday 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. Shownotes: https://meaningfulmoney.tv/BI92024-03-2738 min
The Meaningful Money Personal Finance PodcastBig Ideas - Time IN The MarketToday we’re covering a classic piece of financial advice - definitely a Big Idea of investing: Time IN the market, not timing the market! Shownotes: https://meaningfulmoney.tv/BI8 2024-03-2035 min
The Meaningful Money Personal Finance PodcastBig Ideas: Planning Over ProductsPlanning is - or should be - the framework for all financial decisions, but it is misunderstood by many. Hopefully this episode will explain a little about what planning is, how it works and how to go about it. Shownotes: https://meaningfulmoney.tv/BI7 2024-03-1346 min
The Meaningful Money Personal Finance PodcastBig Ideas: Prioritising TodayToday we’re going to be talking about the importance of prioritising today in your finances. That might sound counterintuitive to some, but we’ll put some nuance on it and try and give you some practical things you can do when faced with the dilemma of whether to use your money today or put it away for the future. Show notes: https://meaningfulmoney.tv/BI6 2024-03-0629 min
The Meaningful Money Personal Finance PodcastBig Ideas: Behaviour is EVERYTHINGToday we’re talking about Behaviour and why really, it’s ALL about that when it comes to being financially successful. Show notes: https://meaningfulmoney.tv/BI5 2024-02-2839 min
The Meaningful Money Personal Finance PodcastBig Ideas: Looking After No. 1We’re continuing our Big Ideas season, talking about the overarching concepts that govern our understanding of money and how to use it. Today’s subject is: Looking after Number 1. Shownotes: https://meaningfulmoney.tv/BI4 2024-02-2138 min
The Meaningful Money Personal Finance PodcastBig Ideas - SimplicityThis week’s Big Idea is Simplicity - it’s so important to keep your finances as simple as possible for the reasons that we’ll cover today! Shownotes: https://meaningfulmoney.tv/BI3 2024-02-0731 min
The Meaningful Money Personal Finance PodcastBig Ideas: CompoundingToday we’re going to look at arguably the biggest of big ideas - the magic of compounding. Einstein said: “Compound interest is the eight wonder of the world. He who understands it, earns it; he who doesn’t pays it” - We reckon that makes it an important subject! Shownotes: https://meaningfulmoney.tv/BI22024-01-3132 min
The Meaningful Money Personal Finance PodcastBig Ideas: Businesses and BricksToday we kick off a new season which we’re calling Big Ideas. The thinking is that we’ll deal with some of the big, overarching principles of personal finance, and show you how to put them into practice. Shownotes: https://meaningfulmoney.tv/2024/01/24/big-ideas-businesses-and-bricks/2024-01-2451 min
The Meaningful Money Personal Finance PodcastPathfinders, with JL CollinsThe Simple Path to Wealth is the most distilled, purest book on wealth-building I’ve found and I still recommend it all the time. Now the author, JL Collins, has followed up with a new book called Pathfinders, which is full of stories of how people have taken the teaching in the Simple Path, and applied it to their lives. Shownotes: https://meaningfulmoney.tv/session522 2024-01-1036 min
The Meaningful Money Personal Finance PodcastReal Stories: Financial Planning PrioritiesToday, we’re talking about Financial Planning Priorities and recounting some examples where we have made sure that people got things in the right order… Show Notes: https://meaningfulmoney.tv/RS10 2024-01-0339 min
The Meaningful Money Personal Finance PodcastReal Stories: Equity ReleaseToday we’re going to talk about Equity Release, and contentious subject for some but a useful tool in financial planning for older folks who are asset-rich, but cash-poor. We’ll recount a couple of real stories from our own experience as advisers and then go over what you need to know and do about using Equity Release for your own financial planning or for your older family members, perhaps. Shownotes: https://meaningfulmoney.tv/RS9 2023-12-2051 min
The Meaningful Money Personal Finance PodcastReal Stories: The Shape Of RetirementToday we’re going to consider the Shape of Retirement and how it doesn’t have to be the traditional work-for-40-years-then stop model that has been the norm for most of the last century. We have some simple examples of how clients have done that and also some salutary warnings. Show Notes: https://meaningfulmoney.tv/RS82023-12-1346 min
The Meaningful Money Personal Finance PodcastReal Stories: Serious Pension PlanningToday we’re going to look at some real stories around pension planning, but not your usual run-of-the-mill pension planning! We’re going to look at SIPPs and SSASs and how we’ve used them to move our clients’ financial plans forward. Shownotes: https://meaningfulmoney.tv/RS7 2023-12-0640 min
The Meaningful Money Personal Finance PodcastReal Stories: Preparing for DeathToday we’re going to be talking about preparing for death, which doesn’t have to be as morbid as it sounds! But we have to face it, and preparing well for the day we shuffle off this mortal coil is an important part of being intentional about our finances. Shownotes: https://meaningfulmoney.tv/RS62023-11-2944 min
The Meaningful Money Personal Finance PodcastReal Stories: Inheritance Tax PlanningToday we’re going to look at some work that we’ve done for clients in the area of estate and inheritance tax planning, and draw some lessons that might be useful for you in the same area. Show notes: https://meaningfulmoney.tv/RS5 2023-11-2250 min
The Meaningful Money Personal Finance PodcastReal Stories: Protection InspirationToday we’re continuing in our Real Stories season and we’re going to talk about Protection - talking about the life insurance, critical illness cover and income protection that underpins any financial plan. Shownotes: https://meaningfulmoney.tv/RS4 2023-11-1535 min
The Meaningful Money Personal Finance PodcastReal Stories: How Much Is Enough?Today we’re going to be asking the question How much is enough? And we’ll go over some real stories of when we’ve helped clients answer that question. Show Notes: https://meaningfulmoney.tv/RS3 Retirement Investing Cheatsheet: https://meaningfulmoney.tv/retirementinvesting 2023-11-0846 min
The Meaningful Money Personal Finance PodcastReal Stories: Good Planning, Bad Tax SchemesThis week we want to look at one Real Story of a planning journey with a client that has seen some highs and lows. It’ll demonstrate the power of a relationship with a trusted financial planner, and also what can go wrong when someone tries to get too clever. Shownotes: https://meaningfulmoney.tv/RS2 Investment Cheatsheet: https://meaningfulmoney.tv/investment2023-11-0135 min
The Meaningful Money Personal Finance PodcastReal Stories 1: Market TimingToday we begin a new season which will be a bit different, because we’re going to cover some real stories from our years in the financial advice profession. The idea is that the first part of each episode will be going over one or more examples of real client situations and in a particular area of financial planning - all anonymised of course - and from those we can draw some lessons and other salient points for your information and action. Shownotes: https://meaningfulmoney.tv/RS1 2023-10-2544 min
The Meaningful Money Personal Finance PodcastBuying A Used Car, with Dave O’SullivanToday I’m chatting with Dave O’Sullivan, a listener who got in touch wanting to share his decades of knowledge of and experience in the car trade. We’re going to discuss some key points about buying a car - one of the biggest purchases most of us ever make. Shownotes: https://meaningfulmoney.tv/session511 Car Buyer's Guide: https://meaningfulmoney.tv/wp-content/uploads/2023/09/Used-Car-Buyers-Guide-2023.pdf 2023-10-0432 min
The Meaningful Money Personal Finance PodcastOnline Finance Communities with Alasdair WalkerToday I’m chatting with a colleague, a fellow financial planner, Alasdair Walker. It’s a conversation between fellow nerds really, specifically about Alasdair’s involvement with the UKPF Reddit community. Shownotes: https://meaningfulmoney.tv/session510 2023-09-2736 min
The Meaningful Money Personal Finance PodcastBusiness Protection Masterclass, with LifeSearchWelcome to another Inbetweenisode where my guest is a senior member of the team at LifeSearch - Alan Richardson. This will be super-useful episode for anyone who has a business of any kind. Shownotes: https://meaningfulmoney.tv/session509 2023-09-2044 min
The Meaningful Money Personal Finance PodcastRetiring Well with Justin KingToday I’m bringing you a conversation I had with my friend Justin King for his podcast, which is called the Retirement Cafe podcast. Many of you will doubtless listen to that show as well as this one, and if you don’t you definitely should, especially if you’re heading towards retirement. Justin asked me to interview him on his show about his book which was released on 12th September - the Retirement Cafe Handbook. I’ve read a pre-release copy and I’m not exaggerating when I say that it was an outstanding read. ...2023-09-1340 min
The Meaningful Money Personal Finance PodcastFinance OS: Q and A SessionIn this final episode of Season 25, Roger and Pete answer some representative questions sent to us as the season has gone on. Shownotes: https://meaningfulmoney.tv/OS15 2023-09-0646 min
The Meaningful Money Personal Finance PodcastFinance OS: Later LifeToday we need to finish off Season 25 - our finances OS season - by talking about the necessary things to get right in later life. Shownotes: https://meaningfulmoney.tv/OS142023-08-3044 min
The Meaningful Money Personal Finance PodcastFinance OS: Retirement ReviewsToday we look at how to keep the finances ticking over nicely in retirement by conducting regular reviews. Specifically, we’ll be looking at when and how. Show Notes: https://meaningfulmoney.tv/OS13 2023-08-2332 min
The Meaningful Money Personal Finance PodcastFinance OS: The Danger ZoneToday we’re going to talk about the DANGER ZONE That’s period of time from when you retire to when all your available income sources are coming in, usually the time of your state pension. This is the period where you’ll have the best health, so you’ll want to enjoy that and spend your money accordingly. Show Notes: https://meaningfulmoney.tv/OS12 2023-08-1644 min
The Meaningful Money Personal Finance PodcastFinance OS: At RetirementWe’re on the home straight in this season now, and today, we’re talking about the decisions we need to make at the point of retirement. It’s probably the biggest transition of all in our financial lives, so this is an important episode. Show Notes: https://meaningfulmoney.tv/OS11 Cash flow ladder graphic UK Personal Finance flow chart: https://ukpersonal.finance/flowchart/ 2023-08-0939 min
The Meaningful Money Personal Finance PodcastFinance OS: Taking Stock and ReviewingToday we thought we would take stock of where we’ve come in the season and also to help you with reviewing the transition points of the flow chart, as they apply to your life. A regular review is essential for being intentional with our finances, and it’s at those review points that we can take a look at where we are and see if there’s anything we need to change. Shownotes: https://meaningfulmoney.tv/OS9 2023-07-2638 min
The Meaningful Money Personal Finance PodcastThe 500th Episode!So…this has been a lot of work! 500 episodes over ten and a half years, not to mention over 460 videos. Today we’re going to throw out the usual structure of the show and hear from lots of different voices, some friends of the show but also quite a few listeners, which will be excellent! Show Notes: https://meaningfulmoney.tv/session500 2023-07-121h 13
The Meaningful Money Personal Finance PodcastFinance OS: Long-Term GoalsToday we’ll continue to build on the foundations we’ve laid and also on last week’s discussion of shorter-term goals. We’re going to be talking about identifying, costing and building towards long-term goals. Show Notes: https://meaningfulmoney.tv/OS8 UKPF Flow Chart: https://ukpersonal.finance/flowchart/ 2023-07-0541 min
The Meaningful Money Personal Finance PodcastFinance OS: Short-Term GoalsToday we start to build on what we’ve talked about so far. We’ve laid the foundation of debt elimination, creating an emergency fund and having the right protection in place. Now we can start looking to the future and set some goals… Show Notes: https://meaningfulmoney.tv/OS7 UKFP Flowchart: https://ukpersonal.finance/flowchart/2023-06-2832 min
The Meaningful Money Personal Finance PodcastFinance OS: The Foundation of InsuranceToday, we continue to work our way through the UK Personal Finance Flowchart, using that as a guide to create our Finance Operating System. And specifically today we’re going to be talking about completing our wealth foundation with insurance. This is such an important subject because there is simply no point building for the future without putting measures in place to make sure that our financial plans are not completely derailed if the future doesn’t wind up like we expect. Show Notes: https://meaningfulmoney.tv/OS6 UKFP Flowchart: https://ukpers...2023-06-2147 min
The Meaningful Money Personal Finance PodcastFinance OS: Paying Off Expensive DebtsToday we’re continuing our tip-toe through the UK Personal Finance Flow Chart, and specifically, we’re talking about paying off expensive debts. This is an essential part of getting your finances on a firm footing so that you can build for the future. Show Notes: https://meaningfulmoney.tv/OS5 UKPF Flow Chart: https://ukpersonal.finance/flowchart/ UPDATE: Voluntary National Insurance deadline for filling gaps since April 2006 has been extended to 5 April 2025. https://www.gov.uk/government/news/deadline-for-voluntary-national-insurance-contributions-extended-to-april-2025 2023-06-1445 min
The Meaningful Money Personal Finance PodcastWelcome to 2023 - Here's what's coming up…Happy New Year! Many of us will be glad to see the back of 2022, but there’s plenty to look forward to in 2023 and I wanted to give you a bit of a heads-up as to where we’re going here at MeaningfulMoney in the next 12 months, and… to ask for your help.2023-01-0507 min
The Meaningful Money Personal Finance PodcastStrategies for Lifetime Allowance PlanningToday we begin a new season of the MeaningfulMoney podcast where each episode will be strategies for dealing with a certain financial situation. Today we start with Strategies for managing the pension Lifetime Allowance…2022-09-0739 min
The Meaningful Money Personal Finance PodcastAn Update from MeaningfulMoneyIn this short update, I wanted to let you know a bit about what's going on with me and MM, plus explain why I'll be taking a break from the podcast for a few weeks...2022-08-0310 min
The Meaningful Money Personal Finance PodcastMeaningfulMoney - The State Of The NationToday I want to look at where Meaningful Money has come, what’s going on right now and where I want to take it. Call it a state of the nation speech for your favourite financial education channel.2021-07-2124 min
The Meaningful Money Personal Finance PodcastSimplifying PensionsThe podcast is currently on hiatus while I plan for Season 20 and also get things in place for the final launch of Meaningful Academy Retirement Planning. More on that in just a sec, but for the next few weeks I will be reviving some older episodes on various topics. This week’s old show is about simplifying pensions. The episode should stand alone, but the shownotes have been updated to meaningfulmoney.tv/session4252021-06-1624 min
The Meaningful Money Personal Finance PodcastSecuring an Income in RetirementThe podcast is currently on hiatus so for the next few weeks I will be reviving some older episodes on various topics. This week’s old show is about securing an income in retirement, something which has fallen out of favour a little bit since the pension freedoms of 2015. The episode should stand alone, but the shownotes have been updated to meaningfulmoney.tv/session4242021-06-0928 min
The Meaningful Money Personal Finance PodcastThe Financial Success ChecklistWhen I wrote the MeaningfulMoney Handbook in 2018, I wanted it to be the one book that most people would need to go from zero to hero with their personal finances. It was designed for anyone to be able to work through and to begin taking control. Today’s checklist aims to condense the message of the book into less than 30 minutes - wish me luck!2021-05-1929 min
The Meaningful Money Personal Finance PodcastA Checklist For Financial BALANCEEasily the number one question I get asked here at MeaningfulMoney is about finding balance in finances. It’s a BIG question, but hopefully this week’s checklist will help us to find that elusive financial balance.2021-04-1423 min
The Meaningful Money Personal Finance PodcastThe Point Of It All: RetirementWelcome to a brand new season here on MeaningfulMoney. I’m looking forward to getting into a meaty season, following on from the previous one and looking into the point of it all: Retirement2020-05-1317 min
The Meaningful Money Personal Finance Podcast10th Anniversary AMAMeaningfulMoney is 10 years old! Not sure where that time went...! Didn't feel right to pull out all the stops to celebrate, so here's a more muted celebration. Today I’m answering the questions that you have left in the Facebook group and on social media - all the stuff you’ve always wanted to know, and probably some stuff you didn’t!2020-05-0643 min
The Meaningful Money Personal Finance PodcastTheory vs RealityI had a question in the MeaningfulMoney Facebook group the other day, from Tom, who asks about staying the course in challenging investment markets, now that they're actually upon us...2020-03-2707 min
The Meaningful Money Personal Finance PodcastShould? Best? Right? = PARALYSIS!As I record this, There are almost 3,500 people in the MeaningfulMoney Facebook group asking questions. I get tons of emails every week and there are social media comments, podcast reviews and lots of other ways for people to get in touch me here. I’ve noticed a trend in the comments and questions I get of using absolutes when they shouldn't, and it has to STOP!2020-03-1305 min
The Meaningful Money Personal Finance PodcastWhat Is Retirement?Here we are with a brand new season of the MeaningfulMoney podcast, all about the run-in to retirement after a life of building wealth. Today I want to ask an important question right at the start - What is retirement?2020-02-0517 min
The Meaningful Money Personal Finance PodcastJL Collins - The MeaningfulMoney InterviewToday I get to bring you what is easily my favourite interview in my nearly ten years of the MeaningfulMoney project. It was my privilege to chat with JL Collins, author of The Simple Path To Wealth, which is quite simply the greatest personal finance book ever written.2020-01-1557 min
The Meaningful Money Personal Finance PodcastWhat IS Financial Planning?This season of the MeaningfulMoney podcast is called Planning with Purpose and is designed for those well-established on their journey towards financial independence. But if we’re talking about planning, then we’d better define what we mean by that…2019-09-1127 min
The Meaningful Money Personal Finance PodcastPlanning with Purpose - Season 15 IntroWoohoo! It’s another new season here on MeaningfulMoney after a summer of Inbetweenisodes. I hope you have enjoyed the conversations I’ve had over the past few weeks. I’ve had loads of great feedback, so it seems like you have. It’s been a great few weeks, but I’m excited to get cracking on what is easily going to be the best season ever of MeaningfulMoney, called Planning with Purpose.2019-09-0421 min
Join Up Dots - Business Coaching Made Easy (With A Bit Of Life Coaching Too)Pete Matthew - MeaningfulmoneyIntroducing Pete Matthew Today's guest joining us on the show is a man who needs no introduction. Not if you are in the world of saving money, investing wisely and making the most of you cash. In fact he was first on the show back a couple of years ago, beaming in from his mansion in Cornwall. He is a Financial Planner, Podcaster, Video Blogger, Social Media Trainer. Managing Director of Jacksons Wealth Management. Best of all can teach us how to take control of our cash in ways that simply are life changing. As he says “I am a Ce...2019-08-1256 min
The Meaningful Money Personal Finance PodcastMMP330: The Escape Artist - The MeaningfulMoney InterviewI think you’re going to enjoy this. Lots of you have suggested that I get today’s guest onto the show, and though it took a while (down to me, not him) I’m delighted that we’ve made it happen, and I don’t think it’ll be the last time, either. Stay tuned for a blinding conversation with Barney Whiter, AKA The Escape Artist.2019-07-1752 min
The Meaningful Money Personal Finance PodcastSpread The Message - 5MF042Plenty of you a spreading the word about MeaningfulMoney to your friends and family, but we can all do more! So I thought I'd take five-ish minutes to highlight some great ways to share the MeaningfulMoney goodness to everyone that needs to hear it.2019-04-1906 min
The Meaningful Money Personal Finance PodcastMeaningfulMoney in 2019 and BeyondLet me introduce you to Kaloyan Tsilev, my right-hand man here at MeaningfulMoney. In this last Inbetweenisode before we get going with Season 14, Kal and I chew the fat about what's coming in 2019 with the podcast, the socialz, and Meaningful Academy.2019-04-1740 min
The Meaningful Money Personal Finance PodcastCore and Satellite InvestingI talk a lot about core and satellite investing here on MeaningfulMoney, but what is it, and why is it important for YOUR investment success?2019-04-0507 min
The Meaningful Money Personal Finance PodcastThe Challenge of Financial Illiteracy - S13E07Of all the challenges facing millennials, there is one that feeds into all the others combined, and that is financial illiteracy. MeaningfulMoney was set up to address this because understanding overcomes inertia; with knowledge comes power. Today I want to talk about what I think should be done to address financial illiteracy, and to share a bunch of resources that I know you will find useful.2019-02-2026 min
The Meaningful Money Personal Finance PodcastMillennial Financial Challenges: Season Intro - S13E01It’s another new season here on MeaningfulMoney and as always, I’m excited at the prospect of digging deep into a subject. Looking back over the seasons completed to date, I realised that I haven’t so far addressed the main challenges encountered by folks who are getting started with their financial journey. This season seeks to address that.2019-01-0926 min
The Meaningful Money Personal Finance PodcastSession 300 - New Year 2019Yes, Happy New Year and welcome to the 300th episode of MeaningfulMoney. Can that really be true? Episode number 1 was in November 2012, just over six years ago. We’ve come some way since then, and there’s lots still to come! Today I want to give you a heads-up on that a bit later, but not before my 15yo daughter Kate takes over for a bit. 2019-01-0250 min
The Meaningful Money Personal Finance PodcastMaking Money with Gudrun Lauret - Season 12, Episode 3Today I want to introduce you to Gudrun Lauret who is part of the team here on MeaningfulMoney, or Team MeMo as we’ve taken to calling it! Gudrun is a writer who now makes her living full-time doing what she loves.2018-11-2835 min
The Meaningful Money Personal Finance PodcastPensions Q&A - Pensions Masterclass 11Season 11 of MeaningfulMoney has been a deep dive in to pensions, and unsurprisingly, as the season has gone on I’ve had LOTS of questions about the content, so I want to round off the season today by answering some of those.2018-10-2433 min
The Meaningful Money Personal Finance PodcastThe MeaningfulMoney Handbook Launch Week, Pt 5This week I am playing into the podcast feed some chapters from the Audible version of The MeaningfulMoney Handbook, which is released by Harriman House this week.2018-09-2114 min
The Meaningful Money Personal Finance PodcastThe MeaningfulMoney Handbook Launch Week, Pt 4This week I am playing into the podcast feed some chapters from the Audible version of The MeaningfulMoney Handbook, which is released by Harriman House this week.2018-09-2012 min
The Meaningful Money Personal Finance PodcastThe MeaningfulMoney Handbook Launch Week, Pt 3This week I am playing into the podcast feed some chapters from the Audible version of The MeaningfulMoney Handbook, which is released by Harriman House this week.2018-09-1908 min
The Meaningful Money Personal Finance PodcastThe MeaningfulMoney Handbook Launch Week, Pt 2This week I am playing into the podcast feed some chapters from the Audible version of The MeaningfulMoney Handbook, which is released by Harriman House this week.2018-09-1815 min
The Meaningful Money Personal Finance PodcastThe MeaningfulMoney Handbook Launch Week, Pt 1This week I am playing into the podcast feed some chapters from the Audible version of The MeaningfulMoney Handbook, which is released by Harriman House this week.2018-09-1712 min
The Meaningful Money Personal Finance PodcastWhat's next for MeaningfulMoney video? - 5MF016There's plenty more to come from MeaningfulMoney video. I thought I'd take five minutes to let you know my plans...2018-07-1304 min
The Meaningful Money Personal Finance PodcastMMP232: What next for MeaningfulMoney?As we approach the five-year anniversary of the first ever episode of MeaningfulMoney, I thought it might be a good idea to step back and take a look at where we have come and more importantly, where we’re going. And as far as the latter is concerned, I want to ask for your help…2017-10-2524 min
The Meaningful Money Personal Finance PodcastS6E1: The Personal Finance Audit - An IntroductionWelcome to a brand new season here on MeaningfulMoney. I’m excited to bring you this season because I believe that it will help every single listener to this show. Today’s session will be introducing the season and helping you get ready and excited for it. Don’t worry though, it ain't just fluff - there will be some action points to take as well. Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of...2017-05-1026 min
The Meaningful Money Personal Finance PodcastMMP200.mp3The first MeaningfulMoney was back in November 2012, and today I hit another big milestone of 200 episodes. And this week, for something a little different, I'm delighted to welcome Mark Schaefer, who hijacks my show for his own purposes... Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM p...2017-03-2234 min
The Meaningful Money Personal Finance PodcastMMP147: Capita Gains Tax Planning & Inheritance Tax PlanningLast week, we covered Income Tax planning, but there’s a whole world of planning you can do outside of that, to feather your own nest. In today’s show I’ll cover the two other main personal taxes, and look at how you can do some good solid Capital Gains Tax planning and Inheritance Tax planning
[smart_track_player url="http://traffic.libsyn.com/meaningfulmoney/MMP147.mp3" title="Session 146: Income Tax Planning" artist="MeaningfulMoney Podcast" color="01A83C" social="true" social_twitter="true" social_facebook="true" social_gplus="true" ]
Podcast: Subscribe in iTunes...2016-02-1731 minThe Meaningful Money Personal Finance PodcastMMP133: You vs You - How to keep goingFor years now I’ve been preaching here that money management is simple, and I do hold to that. But, while it may be simple, that doesn’t mean it is EASY. Financial success takes time, sometimes a long time, and it can be difficult to keep the faith and stick to it for a long time. In today’s show, we’re going to talk about how to keep going when the voice in your head when they tell you to quit…
Podcast: Subscribe in iTunes | Play in new window | Download
Sponsor Message
This podc...2015-10-2824 min