The Meaningful Money Personal Finance Podcast
Episodes
QA43 - Listener Questions, Episode 43
25 Mar 2026
Contributed by Lukas
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 ...
QA42 - Listener Questions, Episode 42
18 Mar 2026
Contributed by Lukas
Pete Matthew and Roger Weeks cover self-employed saving rates, inheritance tax and estate planning, and how dividends are treated inside pension drawd...
QA41 - Listener Questions, Episode 41
11 Mar 2026
Contributed by Lukas
In this Meaningful Money Q&A, Pete Matthew and Roger Weeks answer listener questions on UK personal finance, focusing on pensions, tax, and planning a...
No Bullsh*t Money with Andy Hart
04 Mar 2026
Contributed by Lukas
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 pers...
QA40 - Listener Questions, Episode 40
25 Feb 2026
Contributed by Lukas
In this episode we answer listener questions covering emergency funds for higher and additional rate taxpayers, and inheritance tax considerations aro...
How to Spot a Good or Bad Financial Adviser
18 Feb 2026
Contributed by Lukas
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—...
QA39 Listener Questions, Episode 39
11 Feb 2026
Contributed by Lukas
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-ex...
Becoming A Financial Adviser - Part Two: The SOFT Stuff
04 Feb 2026
Contributed by Lukas
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 wh...
How To Become A Financial Adviser, Part 1
28 Jan 2026
Contributed by Lukas
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 l...
Listener Questions, Episode 38
21 Jan 2026
Contributed by Lukas
It's another Meaningful Money Q&A, taking in the £100k tax trap, splitting pensions on divorce, safely switching investment platforms and much more! ...
Understanding RISK
14 Jan 2026
Contributed by Lukas
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 u...
Listener Questions, Episode 37
07 Jan 2026
Contributed by Lukas
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 wh...
Christmas Episode 2025
24 Dec 2025
Contributed by Lukas
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...
Listener Questions, Episode 36
17 Dec 2025
Contributed by Lukas
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...
Listener Questions Episode 35
10 Dec 2025
Contributed by Lukas
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 planni...
Listener Questions Episode 34
03 Dec 2025
Contributed by Lukas
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 movi...
Budget 2025 - Roger and Pete respond!
27 Nov 2025
Contributed by Lukas
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 finan...
Listener Questions, Episode 33
26 Nov 2025
Contributed by Lukas
Welcome to another show full of questions form you, the audience and hopefully some meaningful questions from Pete & Roger. This week we have question...
The Retirement You Didn't See Coming, with Dan Haylett
19 Nov 2025
Contributed by Lukas
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 Com...
Listener Questions Episode 32
12 Nov 2025
Contributed by Lukas
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...
Listener Questions Episode 31
29 Oct 2025
Contributed by Lukas
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 exp...
Listener Questions, Episode 30
22 Oct 2025
Contributed by Lukas
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://me...
Listener Questions Episode 29 - Retire Soon
15 Oct 2025
Contributed by Lukas
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-differenc...
Listener Questions Episode 28
08 Oct 2025
Contributed by Lukas
It's another mixed-bag of questions this week, covering income protection, the local government pension scheme, avoiding the 60% tax trap and much mor...
Listener Questions - Episode 27
24 Sep 2025
Contributed by Lukas
This week, we have questions about planning property purchases together as a soon-to-be-married couple, investing an inheritance, balancing an age gap...
Listener Questions - Episode 26
17 Sep 2025
Contributed by Lukas
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 ...
Listener Questions - Episode 25
10 Sep 2025
Contributed by Lukas
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 pens...
Listener Questions - Episode 24
03 Sep 2025
Contributed by Lukas
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 financia...
Listener Questions Episode 23 - Inheritance Tax
27 Aug 2025
Contributed by Lukas
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 ...
Listener Questions Episode 22: Financial Planning for Children
20 Aug 2025
Contributed by Lukas
This week, Pete and Roger answer your questions about investing and planning for children, including trusts, life insurance and how to keep tax low. ...
Listener Questions, Episode 21
06 Aug 2025
Contributed by Lukas
This week, we're covering redundancy sacrifice into a pension, cash ISA allowance reductions, evening up finances between spouses and much more - it's...
Listener Questions - Episode 20
30 Jul 2025
Contributed by Lukas
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 mu...
Family Protection Trusts and the McClure Solicitors Scandal with Lee Jackson
23 Jul 2025
Contributed by Lukas
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...
The Soul of Wealth with Dr Daniel Crosby
16 Jul 2025
Contributed by Lukas
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 ...
Listener Questions - Episode 19
02 Jul 2025
Contributed by Lukas
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...
Listener Questions 18 - IHT, Trusts and Care
25 Jun 2025
Contributed by Lukas
We've managed to cobble together another themed Q&A episode, this week dealing with questions around Inheritance Tax, Trusts and Care planning. Lots f...
Listener Questions Episode 17 - In Our 30's
18 Jun 2025
Contributed by Lukas
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 retir...
Listener Questions Episode 16
11 Jun 2025
Contributed by Lukas
It's time for another Listener Questions session! This week we cover commercial property in pensions, ethical investing, inherited pensions and so muc...
Listener Questions Episode 15
04 Jun 2025
Contributed by Lukas
Another mixed bag of questions this week, including pension tax free cash, salary sacrifice for electric cars, de-risking a pension and buying gilts! ...
Listener Questions, Episode 14
21 May 2025
Contributed by Lukas
Welcome to another MM Q&A, taking in budgeting rules of thumb, pension tax relief and offshore worker pension contributions, and lots more besides! S...
Listener Questions - Episode 13
14 May 2025
Contributed by Lukas
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 ban...
The Meaningful Money Retirement Guide - Launch episode!
07 May 2025
Contributed by Lukas
Join Roger as he interviews Pete to celebrate the launch of The Meaningful Money Retirement Guide, asking the questions you want answered! Order The ...
Listener Questions Episode 12 - PENSIONS!
30 Apr 2025
Contributed by Lukas
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...
Listener Questions 11 - Capital Gains
23 Apr 2025
Contributed by Lukas
This week we answer questions on the loose theme of capital gains tax and investing via General Investment Accounts (GIAs). Spoiler alert - nothing's ...
What (not) to do when markets are volatile
16 Apr 2025
Contributed by Lukas
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 ...
Listener Questions Episode 10
02 Apr 2025
Contributed by Lukas
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: http...
Listener Questions, Episode 9
26 Mar 2025
Contributed by Lukas
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 mo...
Listener Questions, Episode 8
19 Mar 2025
Contributed by Lukas
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 thin...
Listener Questions, Episode 7
12 Mar 2025
Contributed by Lukas
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 bes...
Listener Questions - Episode 6
05 Mar 2025
Contributed by Lukas
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 ...
YOU CAN Set And Stick To A Budget
26 Feb 2025
Contributed by Lukas
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 h...
Seven Myths About Money, with Rob Dix
19 Feb 2025
Contributed by Lukas
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 Myt...
Listener Questions - Episode 5
12 Feb 2025
Contributed by Lukas
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 gr...
YOU CAN be financially prepared for life events
05 Feb 2025
Contributed by Lukas
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 fin...
YOU CAN Learn To Invest
29 Jan 2025
Contributed by Lukas
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 Every...
YOU CAN Be Good With Money
22 Jan 2025
Contributed by Lukas
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 ...
Questions & Answers, Episode 4
15 Jan 2025
Contributed by Lukas
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 beside...
Questions & Answers, Episode 3
08 Jan 2025
Contributed by Lukas
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-e...
Helpful Basics -Combining Pensions
27 Nov 2024
Contributed by Lukas
Today we're going to look at combining or consolidating pensions - a big subject which we'll try to do some justice… Shownotes: https://meaningfu...
Helpful Basics: The Financial Advice Process
20 Nov 2024
Contributed by Lukas
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 ...
Listener Questions - Episode 2
13 Nov 2024
Contributed by Lukas
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. Shownot...
Helpful Basics: How to be intentional
06 Nov 2024
Contributed by Lukas
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 ne...
Helpful Basics: Pension vs ISA
30 Oct 2024
Contributed by Lukas
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 helpin...
Helpful Basics: Self-employment and side hustles
23 Oct 2024
Contributed by Lukas
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...
Helpful Basics: Credit Files and Credit Scores explained
16 Oct 2024
Contributed by Lukas
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 cre...
Helpful Basics: Behaviour Is Everything
09 Oct 2024
Contributed by Lukas
In this episode we want to cover the helpful basics of a subject that underpins EVERYTHING to do with personal financial success - behaviour. Shownot...
Listener Questions - Episode 1
02 Oct 2024
Contributed by Lukas
It's our first dedicated Q&A show! Roger and Pete answer six great questions from YOU - the listening audience. Shownotes: https://meaningfulmoney.tv/...
Helpful Basics: The State Pension
25 Sep 2024
Contributed by Lukas
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 ret...
Helpful Basics: Choosing Your First Investment
18 Sep 2024
Contributed by Lukas
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://me...
Helpful Basics: What you need to know when you start work
11 Sep 2024
Contributed by Lukas
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...
Bridging the Advice Gap, with Alastair Ford
21 Aug 2024
Contributed by Lukas
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 i...
Health, Wealth and Happiness with Dave Algeo
14 Aug 2024
Contributed by Lukas
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: h...
Big Mistakes: Worrying About Care Fees
07 Aug 2024
Contributed by Lukas
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. ...
Big MIstakes: Not Spending Enough
31 Jul 2024
Contributed by Lukas
Today, in the penultimate episode of this series, we're talking about the Big Mistake of Not Spending Enough, which might surprise some people! Shown...
Big Mistakes: Neglecting Reviews
24 Jul 2024
Contributed by Lukas
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 finan...
Big Mistakes: Waiting Until...
17 Jul 2024
Contributed by Lukas
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 ...
Big Mistakes: Behaving Badly
10 Jul 2024
Contributed by Lukas
Today we revisit the vitally important subject of what the experts call behavioural finance or behavioural economics, which is really the study of how...
Big Mistakes: Ignoring Later Life Planning
03 Jul 2024
Contributed by Lukas
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'...
Big Mistakes: Taking Too Little Risk
26 Jun 2024
Contributed by Lukas
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 primaril...
Big Mistakes: Ignoring Costs
19 Jun 2024
Contributed by Lukas
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 ...
Big Mistakes: Starting Late
05 Jun 2024
Contributed by Lukas
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 ...
Big Mistakes: Listening To The Wrong People
29 May 2024
Contributed by Lukas
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. B...
The Four Cornerstones of Financial Wellbeing, with Chris Budd
10 Apr 2024
Contributed by Lukas
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...
Big Ideas: Do you need advice?
03 Apr 2024
Contributed by Lukas
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 do...
Big Ideas: PIPSIO - The Order Of Financial Priorities
27 Mar 2024
Contributed by Lukas
Today we're covering the ideal order of financial priorities, something Pete and Rog learned early on in their financial planning training. The order ...
Big Ideas - Time IN The Market
20 Mar 2024
Contributed by Lukas
Today we're covering a classic piece of financial advice - definitely a Big Idea of investing: Time IN the market, not timing the market! Shownotes: ...
Big Ideas: Planning Over Products
13 Mar 2024
Contributed by Lukas
Planning is - or should be - the framework for all financial decisions, but it is misunderstood by many. Hopefully this episode will explain a little ...
Big Ideas: Prioritising Today
06 Mar 2024
Contributed by Lukas
Today 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 ...
Big Ideas: Behaviour is EVERYTHING
28 Feb 2024
Contributed by Lukas
Today we're talking about Behaviour and why really, it's ALL about that when it comes to being financially successful. Show notes: https://meaningfu...
Big Ideas: Looking After No. 1
21 Feb 2024
Contributed by Lukas
We're continuing our Big Ideas season, talking about the overarching concepts that govern our understanding of money and how to use it. Today's subjec...
Big Ideas - Simplicity
07 Feb 2024
Contributed by Lukas
This 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: ...
Big Ideas: Compounding
31 Jan 2024
Contributed by Lukas
Today 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 th...
Big Ideas: Businesses and Bricks
24 Jan 2024
Contributed by Lukas
Today 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...
Pathfinders, with JL Collins
10 Jan 2024
Contributed by Lukas
The 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 C...
Real Stories: Financial Planning Priorities
03 Jan 2024
Contributed by Lukas
Today, we're talking about Financial Planning Priorities and recounting some examples where we have made sure that people got things in the right orde...
Real Stories: Equity Release
20 Dec 2023
Contributed by Lukas
Today 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...
Real Stories: The Shape Of Retirement
13 Dec 2023
Contributed by Lukas
Today 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 th...
Real Stories: Serious Pension Planning
06 Dec 2023
Contributed by Lukas
Today 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 SI...
Real Stories: Preparing for Death
29 Nov 2023
Contributed by Lukas
Today 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...
Real Stories: Inheritance Tax Planning
22 Nov 2023
Contributed by Lukas
Today 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 migh...