Podcasts about meaningful money

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 listener and happy client of Jacksons. I am currently playing catch up on the current series and have a couple of thoughts on points raised in two episodes. In episode 3 - there was a question on pensions and the answer included the point that when making contributions to a scheme they are generally paid net and the scheme reclaims basic rate tax from HMRC.  Just to say that this is not always the case.  My employer recently moved its scheme to an Aviva master trust.  I wanted to make a lump sum co tribute. Ahead of the tax year end.  However I found that the scheme could only accept gross contributions and I would have to reclaim the tax myself.  As it was quite a decent sum and I preferred not to wait for the tax I made the contribution into a different scheme. In episode 7 you had a question about moving abroad.  The point we made that you can't continue to contribute to UK tax favoured schemes when abroad which is correct.  However there is another watch out in that ISAs in particular may be subject to income tax in the new country of residence - as they were when j lived in the US.  It is therefore critical to get advice so you can make the right choices when moving abroad All the best, Richard 05:06  Question 2 I have been listening to your podcast for the last 5 or 6 months. Like so many of your listeners, I have spent many hours catching up on your early episodes, no longer do I watch movies or drama series or wildlife programmes. I listen to Pete. Your advice has been priceless. However, I do have a question that I seemingly cannot find the answer to. Perhaps, I already know the answer, but am putting my head in the sand because I do not like it. I know that the pension tax free lump sum is limited to £268,275 and I believe that this applies to the total taken from multiple pensions. I retired from the police in 2013 as a chief inspector. I took the maximum lump sum available at the time which was £206,000. I started a new job with the NHS and am paying into the NHS 2015 scheme. My projection on retirement from the NHS at age 67 suggests that I can expect a lump sum that combined with my police pension lump sum will take me well beyond £268,275. I have seen some articles on line about lump sum protected allowances, but do not know if this is something I can access. Clearly, if all I can take from my NHS pension is £62,275 I will be paying 40% on a greater proportion of my pension in payment. I suspect there may be others like me that maxed our their lump sum when first retiring and have gone on to further employment and have built up a tidy pension that has the potential to pay out another handsome lump sum. Your advice is gratefully appreciated. Kind regards, John 11:25  Question 3 Hi Pete and Rog Always a delight when a new episode comes out – I hope Rog is getting fairly compensated for his efforts! I have been a keen listener for a number of years though until recently had lived outside of the UK, so while not everything was applicable (ISAs or pension contribution limits etc), the podcast has always been a valuable tool as I improve my personal finances I have a question I was hoping you could clarify for me which relates to questions you answered on previous podcast Q&A. Trying to keep it short but failing: On a couple of occasions when talking about pensions there seems to be an assumption that your income will fall in retirement and so income tax on the way out of the pension is less relevant. You recently had a question around moving money from a Lifetime ISA to a SIPP for a higher rate tax payer who was moving abroad and the calculation / discussion went something like: Invested 4k, got the extra 1k but have to take a 25% penalty when taking the money out so down to 3.75k. Then when investing that back into a SIPP you get tax relief so back up to 4.7k or even 6.25 with higher rate relief. Then the discussion seemed to suggest in such a case you might even be better off than if you had left it in the LISA. However, doesn't this depend on what your tax rate is on retirement / withdrawal? Now on to my question: Similarly, you had someone who had maxed out their annual pension contribution limit and they were trying to decide whether to pay more in to their pension (foregoing the tax relief) or to put it in to a GIA. This is a situation I find myself in and the Q&A discussion seemed to suggest it doesn't make much difference. There were comments that an ISA would be better than a GIA but assuming the ISA allowance was already fully used then there was little difference. This confused me and brings me to my question. If I overpay into a pension and so get no tax relief, don't I still pay income tax when I withdraw the money from the pension? So for any contribution above the annual limit I receive no tax relief initially (ie I have effectively paid tax) but then future withdraws from a pension are taxable so I pay tax again when I retire. Is this the case or is there some way the pension knows what proportion of the pot received tax relief and what proportion didn't? If no such split exists then surely a GIA is a far better option where I will only pay CGT on any growth in the investment (or income tax on dividends). Imagine a situation where there is no growth or dividends then in a GIA I take the initial money back out with no tax to pay, in the pension I still pay income tax on the withdrawal. What am I missing here? Kind regards, Matt 17:02  Question 4 Hi - love the podcast and really enjoying the Q&A series! Keep up the great work! I was hoping you can assist me. I have a pretty simple salary structure and lucky to earn annually (salary and bonus) around 190k. I'm looking at what I can add to my pension and very aware of the 60k limit and also the 200k income threshold. Is it as a simple as if my only income stream is from employment, that by definition in the above scenario I'm below the £200k. Or am I missing anything else that feeds into this as a consideration? Thanks, Steve 20:20  Question 5 Thank you Pete & Roger for an amazingly insightful informative podcast. This has given me a giant springboard to the next level of financial literacy. My question is: I am a seafarer and all of my income from it is subject to seafarers earnings deductions (SED). My annual salary is £79,000. How much can I pay into a SIPP claiming the full amount of tax relief given that all of my income is subjected to SED? Thanks very much for everything you do. Kind regards, Benjamin 24:00  Question 6 Absolutely love the podcast - always look forward to driving home on a Wednesday so I can listen to it. I'm 47 and my husband is 55 and we have 2 fabulous children aged 13 & 11. I am an additional rate taxpayer and have a good DB pension for the future (NHS consultant). My husband did the tougher job of being a full time Dad so only has a small SIPP at present worth about £50,000 which we add £2880 to each year. I am hoping to retire early so we are building our Stocks & Shares ISAs each year to bridge the gaps between my retirement and state pension etc although we don't use the full allowance at present although may do in the future as my pay increases. We just wanted advice about the best way to extract the money from my husbands SIPP. He works a few hours now making approximately £5000 per year so is a non-taxpayer (and all our emergency cash is in his name!). We had planned to start drawing down his pension in a few years once fully retired to try to get it all tax free before his state pension kicks in but we don't actually need the cash and thus it would be reinvested into his ISA. Is there any reason not just to start that process now so we put the money in the ISA gradually over the next few years (bearing in mind that we may be able to fill our ISAs in the future)? Can we still top up with £2880 each year one this process has started? Maybe this sounds like an obvious thing to do but just can't work out if its the correct path? Thanks so much, Ciara Mulligan   30:10  Podcast and Video plans.  

It's our 100th episode—has the podcast changed how we invest? What was our favourite episode? Who's taller? We're picking your questions out of a hat and answering some from past guests, including Meaningful Money's Pete Matthew and Toby Newbatt.

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 way through the Q&A episodes. I have a question about share trading accounts for my children (14, 13 and 11). They are in a fortunate position where they all have JISA's (held at Hargreaves Lansdown) which I contribute to (max amount) and manage, without their knowledge. My wife and I also hold ISA's at HL as well, which we max out. I was taught to be a saver as a child, not an investor, and this is something I have learnt more about as I get older. Your recent Q&A podcasts mentioned a couple of times about looking forward and not back - there is nothing I can do about my historic saving, and wish this was invested rather than saved!! However, my children are a lot more savvy about investing, than I ever was at their age. The two oldest children play a game called Business Empire and are multi trillionaires, I'd like to teach them the benefits of investing in the real world, but that it might not be quite as easy as Business Empire! We have discussed setting up a separate trading accounts for the children, putting some money in (poss £3k / £5k) and the children then managing the investment decisions. I want to keep the accounts separate from their JISA, so they don't get visibility of their JISA. Preferably I own the account and login, and the children can then ask me the value or ask me to execute trades on their behalf, which they request. They will make all the investment decisions. I recognise that they could turn £3k / £5k into zero quite quickly! Let's hope that Business Empire teaches them something. The only way I have found to be able to set up trading accounts for the children is that I set up a Bear Trust for the children, which seems overly complicated for what I'm trying to achieve. Or I create an account at AJ Bell for one of the children in my name and find 2 other companies to set up trading accounts for the other children in my name. Or I create a SIPP for the children. So the question is, where / how can I set up a trading account for children, so they can get experience of investing and making their own investment decisions. Love the podcast, keep up the good work Thanks, Stuart 10:00  Question 2 Hello Pete and Roger, Really enjoying the podcast. The Q&A shows have been fantastic for hearing about other people's financial conundrums and thinking about how to apply those lessons in my own situation. I have some questions about children's savings that I hope will help others too. For context, my wife and I have a 12 year old daughter and 8 year old son. My son has a severe learning disability meaning he is unlikely to ever be able to manage his finances independently. I get a good salary from full time employment and pay additional rate tax, while my wife stopped working several years ago to care full time for our son. Question 1: Can you please interpret the rule: "if, in the tax year, the child gets more than £100 in interest from money given by a parent. The parent will have to pay tax on all the interest if it's above their own Personal Savings Allowance? Both children get £60 a month paid into children's cash savings accounts since they were babies - half from us and half from grandparents. Last year, my daughter got £300 of interest. My hope/assumption is that the rule applies per parent. Otherwise, given my personal savings allowance is £0 I would potentially owe £135 of tax on my daughter's earnings having only contributed a quarter of the funds over 12 years. We've now moved the bulk of her savings into a stocks and shares JISA to avoid any tax hassle, but this wouldn't be suitable for my son who will be unable to manage the account when he turns 18. Does it make a difference if the payments come from my wife's solo bank account vs our joint account? Question 2: Related to the above, where do you start with financial planning for a child with learning disabilities? What are the big things we should consider? Will savings in my son's name affect his entitlement to the benefits and care he will need as an adult? Any advice on finding and vetting a good financial advisor with expertise in this area, as I appreciate specific personal circumstances will have a big effect here? Thanks, David, in Leeds 19:52  Question 3 Hi Pete and Roger Thanks for all the content over the years, so glad I found your podcast in my late twenties so hopefully I can look back in years to come and thank you for helping set me on the right track financially. My question is a little general in the sense that I don't know what I don't know, but I'm wondering what things I may need to do differently now that my wife and I have our first child on the way (we're both 30 y/o). We currently save/invest each month in a mix of cash savings and a stocks and shares ISA, have a mortgage of which the payment is about to increase now our 5 year fix from 2020 is ending, and have decreasing life insurance (with critical illness cover). I mention these things specifically because they're the things I'm aware of that we may need to tweak when the baby arrives. We'd like to start putting money aside for them to use when they're 18 for travelling or a house or whatever they want really, I've heard of junior ISA's, is there an advantage to using these over just keeping a separate pot in our own names? Are there any other child specific options for this purpose? Do we also need to re-assess the life insurance when we have a child. It's currently set up to cover the mortgage should something happen to one of us, but with a child to think about I'd feel more comfortable knowing my wife wouldn't have the pressure of needing to work in the short-term alongside bringing up a child alone should anything happen to me (and vice-versa). Are there any other child related things we ought to be thinking about financially speaking? Looking forward to hearing your thoughts and perhaps changes you made when you had children! Liam 27:15  Question 4 Hi both, thanks for the great content and your dulcet tones. Please can I ask two quick question? Q1: I've paid £2880 into my child's (2y.o) Junior SIPP, grossed up to £3600 through tax relief. I am a higher rate tax payer, can I claim the extra 20% tax relief, even though it's not my private pension? If yes, is this just via my self assessment? Q2: if this £2880 was transferred, via bank transfer, from my parent (I.e. grandparent of my child) to me, then to my child, can it count as gift from the grandparent straight to my child? Or does it count as 2 gifts, a gift from my parent to me, then another gift from me to my child, for IHT purposes. Loving your work, Best wishes, Phil 30:10  Question 5 Hello gents. Firstly, a huge thank you for everything you (all!) do there at Meaningful Money.  I'm a LONG time listener, and the help and support I've gleaned from this excellent podcast over the years has been invaluable!  Keep up the great work! My question: As the parent of a disabled adult (18 years old), do you have any suggestions/recommendations for the things that we should be thinking about and putting in to place when legacy planning.  My better half and I are married, with mirror Wills in place to leave to each other, or to both children equally in the event we both die (2nd child is currently 16).  However, we are aware that should our disabled 18 year old inherit a pretty reasonable sized share of our estate, this would impact on the support and benefits that they have recently been awarded.  This must be a fairly common situation, but we haven't been able to find much clear guidance, so we're hoping you can suggest what the best way(s) to deal with this situation might be so that we know where to look? We did have a brief look in to trusts, but they seem a bit of a minefield, and we don't want to burden anyone else with what appears can become a sizable task to administer. Just to also mention, we are hoping that we will be able to get LPA's in place for our disabled child (otherwise apply for deputyship, however LPA is the preference if possible as seems the much easier option…), however we're hoping to be able to manage until our youngest reaches 18, so that they can also be added as an Attorney(/Deputy), for longevity and diversification, rather than having to do it all again in a couple of years.  Not sure how relevant that is, but added just in case… Many thanks again. Peter. 36:16  Question 6 Hello Pete and Roger, My question for you is how best to invest a lump sum that you intend to drawn down over a period of time? I will soon be in the fortunate position to be gifted a significant lump sum which I intend to use to pay school and university fees for the next 15 years that my children will be in full time education. I could just keep it in cash and a draw it down over time but I would like to invest it to generate a higher return and hopefully still have some left over at the end. How should I go about investing this money? I have a high risk tolerance but 100% equity doesn't seem sensible if I am drawing down regular amounts. Also I am an additional rate taxpayer so should I be considering asking for the money to be gifted directly to my children in a bare trust rather than to me? Keep up the fantastic work. Best regards, George

I always love catching up with my good friend and fellow financial planner Pete Matthew—especially when we get to record it for The Retirement Café Podcast. You may have heard Pete on the podcast before (this is his third appearance!) or seen him on his hugely popular Meaningful Money YouTube channel. We've even swapped mics—I've joined his show twice too! We both share a mission: helping people retire with clarity, confidence, and purpose. This time, Pete's back to talk about his brand-new book The Meaningful Retirement Guide. It's packed with straightforward guidance on how to organise your finances in retirement—so you can get on with living the life you've worked hard for. In our conversation, we cover: The biggest mistake people make when planning their retirement Why Pete has no plans to stop working—ever! How one man turned volunteering into a paid role that transformed his retirement plan The shift from saving to spending (and why it's harder than it sounds) What your money is really for As always, I hope it gives you a helpful nudge toward the kind of retirement you truly want.  For those who want to go further, Pete offers a self-paced Retirement Planning Course through his Meaningful Money Academy. The course includes video lessons, downloadable tools, access to financial planning software, and a supportive online community. Use the code PODCAST for a discount. USEFUL LINKS  

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 felt it didn't need? 10:00  How difficult did you find setting out concepts without going too in depth to potentially “lose people” or too simple to make the book not interesting enough? 13:07  How different do you find it writing "evergreen" content in your books vs more topical content for YouTube, and to a lesser degree for the podcast? 16:20  After reading the New retirement book, will it provide knowledge to go alone in retirement without seeking expensive financial advice? 20:05  Does the book help with a ‘soft' retirement or is it just for those that want to completely stop work on a particular date? 25:00  What will the book offer the reader that I can't get elsewhere? Is it worth paying for the Academy if I read the book? 28:38  What's the best thing you would tell your 20yo self? 31:03  Would you lobby government to have PROPER financial teaching delivered to kids in school? How would you package your knowledge for teenagers? 33:22  Pete talks about a new podcast - Bank of Dad - which daughter Kate will host. 35:25  A few people asked: What are Pete's plans for retirement? Did ‘die with zero' change them? 38:00  Pete talks about Dave Ramsey and how he brought in different personalities. 41:35  Pete talks about practicing what he preaches.  

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 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 this episode Pete & Roger can tell us all about Capital Gains, Dividends, and anything else we need to know about using a GIA, and other situations which involve capital gains tax. 19:03  Question 2 Hi both, I've recently discovered your podcast and have thoroughly enjoyed my commutes listening to you. Personable and informative. I have a question about selling my buy-to-let property that is in my personal name. My mortgage term is ending in June 2026 and I'd like to sell it for one of better quality that has less issues. I'm currently a higher-rate taxpayer but we're planning to start a family in the next year, meaning I'll be on maternity leave for 12 months which will push my salary down to basic-rate. Impossible to plan when I'll get pregnant but it would be useful to know how HMRC calculates my salary (and over what time period) so that I pay basic-rate CGT when selling my buy-to-let? Apologies for a very wordy question! Thanks a lot and best wishes, Winnie 22:17  Question 3 Hi Pete, I hope you're doing well! I've been really enjoying the Meaningful Money podcast and had a question I'd love to hear your thoughts on the show: In a general investment account (GIA), is it's better to use an income fund to avoid triggering CGT if income is needed (assuming the dividends covers the needs in the short term)? Thanks so much for your wisdom! And keep up the great work on the podcast! :) Best regards, Chloe 26:53  Question 4 Hi Pete, Roger (and Nick who I assume is reading this :-)) I have a question I'd be grateful if you could answer which is around capital gains tax on any shares or funds held outside an ISA/pension. To use an example with higher numbers so that the allowance is used for simplicity: - You have £100k in a GIA - it increases by £10k a year for the first two years; - it's then down £2k in the third - the total value is now £118k - You then want to draw out £10k - How do you work out what capital gains the tax is to be paid on i.e. is the full £10k considered a gain? - Is the withdrawal from the original £100k or from the increase in value i.e. gain? - Would you be better to withdraw up the annual allowance every year and then put it back in to reduce the gain, considering there's no allowance for the impact of inflation? Love the show, keep up the good work in whatever format you decide going forwards - you've made real differences to the way I've managed my investments over the years, especially at scary times like Covid and your book and courses have given my kids the education they need for their long investing lives. Thanks, Dino 36:39  Question 5 Hi Pete & Rodger, I started a deep dive into our overall finances over the Christmas period, to set the picture I am 47, my wife's 42 and we have two children a boy 5 & a girl 3. I received a diagnosis last year which will have a long term impact on my ability to sustain my current level of income & type of work I do. We have a 154k mortgage with 19 years left on the term, with the uncertainty around my health I have decided to target maximum overpayments on the mortgage, this year we can pay 18k extra. My questions are: 1. I plan to save circa 1k per month salary to put into the overpayment pot, I am hopeful that the HL shares will meet past highs and I can use some of that money to top up the salary savings and hit our target. Do I pay tax on the profit I make from selling shares? If it's no more than 3k? I was hopeful I could sell shares annually and withdraw the gains annually, then reinvest in same stock when they dip. I realise that past performance isn't always guaranteed but monitoring since covid the stocks I am invested in are fluctuating from a £15 low to £20 high annually. So looking to sell at £19.5. Is this the best way to use the extra cash at present given the plan to access quickly at times. I have maxed out isa allowance for current FY (2024/25) but will probably pay the 1k per month into an isa in new FY. 2. I am planning to do lump sum overpayment rather than setup monthly, just to give easy access to funds should they be required. I plan to cash in some company SIPPS annually when they aren't taxable (after 5 years) that sum will be on average 1k per year. Will the SIPPS cashed in and gains from HL sales leave me vulnerable to paying capital gains tax? If all goes to plan we could be mortgage free by 2033 approximately and there would be less of a dependency on my salary. Deep down I just want us to be setup financially as best we can with the uncertainty around my health. I would really appreciate your views, love the podcast and it's been a real source of knowledge to me. Best Regards Lee 43:52  Question 6 Hi Pete & Roger, I found your YouTube channel last year and through that the Podcast – both are absolutely fantastic and have helped me and my family so much with many aspects of managing our money and planning our finances. My question relates to if and to what extent capital gains tax can be offset by making SIPP contributions. My wife and I jointly own a buy to let property that we are selling in the new financial year (25/26).  When the sale completes, we expect to each have a taxable capital gain of around £30,000.  My wife earns around £10k a year from a part time job, therefore most of her gain will be taxable at the lower rate of 18%.  For the last couple of years, she has made annual gross SIPP contributions 100% of her earnings (£10,000) which is the maximum gross contribution she can receive basic rate tax relief on. This year, as well as contributing the usual £10,000 gross, (100% of earned income), can she also contribute up to a further £30,000 gross and receive basic rate tax relief on this additional contribution, thus offsetting the CGT paid on the gain from the property sale?  If so, with CGT payable at 18% and basic rate tax relief of 20%, contributing the full £30,000 would actually more than offset the CGT (which I fear is too good to be true). If this is the case, is there any other strategy we should be considering to achieve the same or similar outcome?  I have really struggled to find definitive guidance around this, so any clarity you can provide will be much appreciated. Many thanks and keep up the great work. Steve

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 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%. This coming April (2025) I will turn 55 and will be able to access my pension. I am considering increasing my salary sacrifice contributions by £14,000 per year and funding this by taking just under £7,500 PCLS (i.e. tax-free cash) from my pension. Having watched the MeaningfulMoney video on Tax-Free Cash Recycling and checked the HMRC web site, I know this is not considered tax-free cash recycling because the PCLS withdrawals will be below £7,500 per year. However, I don't know if sacrificing £7,500 of tax-free cash in return for £14,000 of new contributions will have any unintended consequences. In retirement I plan to withdraw money via UFPLS and use tax-free cash to minimise my effective tax rate and have no plans to use it to fund large purchases. Have I missed anything? Simon. 04:01  Question 2 Hi Pete, I hope you're doing well! I've been really enjoying the Meaningful Money podcast and had a question I'd love to hear your thoughts on the show: With the long waiting times on the NHS, is having private health insurance a new 'must have' protection or still a 'nice to have'? Thanks so much for your wisdom! And keep up the great work on the podcast! :) Best regards, Chloe 07:05  Question 3 Hi guys - thanks for all you do with this podcast. I've been incredibly fortunate to find you in my 20's and absorb so much useful knowledge. My question is surrounding LISA's. My fiancé and I currently live separately but we're looking to move in together ahead of our wedding this summer. She owns her own home and I currently rent so we'll be moving into her house. Our plan is to live for a couple of years in her (or soon to be our) house as she managed to secure a favourable rate that will help us to save together for our next home. The majority of my current house deposit (around £35k) is in a LISA, however in the last year or so I've quickly realised that our next home together will probably sit above the £450k limit that LISA's allow. Given that we live in a pretty expensive area and want to stay here, is there anything you would suggest? We've thought about me 'buying in' to her current house but we don't want to remortgage and lose the favourable fixed term. Any ideas? Cheers, Joe 11:38  Question 4 Hi Butch & Sundance, my question is about SIPPs & ISAs and tax implications when used with State Pension and a Defined Benefit Pension. I'm planning to retire 7 years before state retirement age (67) and plan to use a DB pension and SIPP in those 7 years. The annual income from the DB pension will exceed the current basic rate income tax annual allowance (£12,570) and withdrawals from the SIPP outside of the tax-free lump-sum, would all incur basic rate income tax. I would like to keep investments that continue to grow, but with the removal of some IHT benefits within a SIPP, is it now worth withdrawing more than I need each year and moving the SIPP investments to a Stocks & Shares ISA over the next 7 years and therefore reduce tax paid over the following 20-30 years from the age of 67? Or am I making more of minor issue than is needed? Keep up the excellent work, Jack 16:36  Question 5 Hi both, Love the podcast! I have a question regarding pensions. I have an employer (defined contribution) pension that had been with one provider (chosen by my employer) for the last 11 years. My Company has recently terminated the agreement and mine and my employers contributions are now all going to the new provider and fund. I chose not to transfer my original pension from the original provider to the new provider, as the existing fund had been performing so well. Following a review of both pensions over the last 6 months, I discovered that my existing pension had continued to be perform very well - over double the return compared to the new pension provider and fund). Whilst I understand I could switch funds with the new provider, my preference would be to do an annual transfer from my new pension fund & provider to the original provider and fund. I cannot seem to find any information on how to do this (all the information online is focused around transferring and shutting the new account - I don't want to do as my employer and personal contributions will continue to be directed to the new provider and fund. Thanks for your help, Matt 21:25  Question 6 Hi Pete and Roger I have a question about pensions for low earners. I have been listening to your show for the past year and loved the simplify and OS series, with your helpful explanations I have managed to get my self employed husband to increase his pension contributions, built up 6 months of emergency funds and have opened our first stocks and shares isa for long term savings. My question is about my pension contributions. I have about 13 years in an NHS pension from before I had children. For the past 8 years ( since the children were born) I have worked very part time or not at all so have not really made much in the way of pension contributions. I am currently 45 and I work seasonally for 4 months of the year. We live comfortably on my husband's income and as mine is irregular income it is not allocated to specific spending. My plan this year was to try and save all my income (about £7000) and contribute to a personal pension (a SIPP?) to catch up on my own pension contributions (I do have an employer one but it's very basic). My question is: if I pay into a personal pension will I still get tax relief added? As my earnings are below the personal allowance I don't pay income tax. I can only find information on the £2880 for none earners or employee pensions. Also how much of my income can I put in a pension? I.e. if I do get tax relief can I only put in 80% of my earnings?  Do I also need to subtract my work pension contributions? Thank you for all your amazing work. Best wishes, Lindsey

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 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-five figure sum in each of my ISA, LISA, and DC pension in the UK. I hope to save and invest heavily abroad with a FIRE sort of philosophy. I wonder if there are any big things to think about in preparation for a move, or things to do while in the EU that will make a move back easier. I realise this is probably a complex question, and maybe too niche for a podcast episode. I've considered getting a one-off consultation with a financial advisor before my move, do you think this would be worthwhile, and if so what sort of service or green flags should I be looking for? (Assuming Jackson's is not a specialist in this area!) Thank you again! Stuart 06:24  Question 2 Hi Pete, Hi Roger, May I ask a question about pensions now being subject to IHT. My father in law's strategy for passing on his wealth was to pass on an unused pension, previously protected from IHT, and he had also invested in AIM shares, again also previously exempt from IHT but now subject to 20% tax. He is nearly 82. What options might you suggest for him to consider on either of those points, but in particular the pension point. Draw the pension and gift it? Thank you very much. Love the pod and religious listener! Jo 13:00  Question 3 Hi Pete and Roger, A great many thanks for all that you do towards simplifying personal finance principles. It is with thanks to your guidance that I am living within my means and on a budget with clear financial objectives. My question today is on behalf of a family member, let's call her Glynda. Glynda is 58 years old and intends to continue working until she can claim her full state pension. She currently has two private pension pots, one is a SIPP on the Vanguard platform and one is her workplace scheme with a smaller provider I've never heard of called Creative Trust. A few years ago, she chose to withdraw her 25% tax free cash allowance from her SIPP with a view to investing this in rental property. For one reason or another this didn't actually happen so she is now saving this aside as her 18 month cash buffer. To withdraw the 25% tax free cash, she had to “crystallise” the entire SIPP pot. The remainder is still invested in 100% equities - the growth engine as you say, but it is now in a flexi access drawdown account, not a pre-retirement pot. Meanwhile, the workplace scheme is growing nicely with contributions of around £3500/yr, which is not insignificant on her modest salary. This pension is not yet “crystallised” and is also aggressively invested through the limited fund selection on that platform. You have spoken at length about pensions but my question has not yet come up, though I appreciate it may be niche. If the SIPP has been crystallised and the Workplace scheme has not, can they still be combined? Does Glynda need to take her tax free cash from her workplace scheme BEFORE transferring/combining this scheme into her SIPP for ease of management? If she opts NOT to take the tax free cash before transferring, does she lose that option? What is the point of “crystallisation”? Why is it even a thing in a world of flexi access drawdown, it seems irrelevant to me. Do platforms charge different levels of fees post-crystallisation? If so, can Glynda transfer her crystallised SIPP to a new provider if savings can be made on fees. Many Thanks, Sam 19:48  Question 4 Hi Pete and Roger, I have been an avid listener to the podcast for a long time now, probably 5 years, what a journey! Thank you for all the content you put out. Pete; I think I read your book first which put me on to the podcast, or perhaps it was the other way around, I can't remember. I'm pleased to say that when I read your book, I then went through it with a fine toothcomb and ticked off everything I needed to do! Needless to say I've been in a good situation for a while now, thanks to you, your book and this podcast. I still use a Meaningful Money Budget Spreadsheet to plan my monthly finances! I did leave a review a good while ago on the app store letting you know how Meaningful Money has helped me! I have attached a picture of my copy of your book, hope you don't mind all the post it notes! My question is surrounding Emergency Funds and what criteria we should apply as to whether something is an “emergency?” Classic things such as a broken down car, a leak in the house or the boiler breaking down are all perfect scenarios for an emergency fund. But what about other more vague scenarios? This question has come about because of my current situation. I unfortunately have a toxic boss and work environment which is affecting my mental health. It's clear I need to leave the job, as my continued attempts to change the environment and my mindset have been unsuccessful. So, I am about to hand in my resignation, in the next few weeks and just go ahead and use my emergency fund, as this detriment to my mental health cannot continue. However, there's a strong feeling inside that this isn't really what an emergency fund is for. Particularly too, as I don't have a strong exit plan. I have no other job lined up, I just need to get out of there. So what do you think? Should the fund have strict rules as to what is, and is not an emergency? I suspect your answer will be that the holder of the emergency fund decides what is and is not an emergency. That being said if there isn't strict rules surrounding it, then it would be quite easy for someone to decide a night out on the ale is an emergency due to a stressful week! Or can the rules be more “fluid” and a night down the pub is acceptable? Sorry about the pun! I'd be interested to know your thoughts. Thanks again and I look forward to hearing your response! Many Thanks, Phil 24:36  Question 5 Hi Pete & Roger Thanks for all your podcast episodes - I've been listening for years and you've saved me a lot of money through not needing to pay an advisor (thanks to your free info) and not making expensive mistakes. I'm not sure if I'm your core demographic (33yo woman in London) but find all your content useful for me, my friends, brother and parents. My question: I co-own a flat and live in it. My friend owns the other half but doesn't live with me. We have a joint residential mortgage and also have to pay a £250pm service charge and ground rent as it's a leasehold with right to manage. It's a 35yr mortgage so we get about £200pm equity and pay around £800pm interest. It's a great flat but I want to move to a larger property in a different area, initially renting as it'll take quite a long time to sell the flat (for various reasons I won't go into!). If we rent the flat out and I go and rent elsewhere, I'll be making a loss on the flat (I'm a 40% taxpayer and the rental income would cover the mortgage + service charge + agency fees but I believe I'd have to pay tax on income not profit hence the loss). There's also insurance, council registration fee, maintenance etc. Obviously I'd then pay rental money to a landlord too for the house I move to. I know property taxes have changed in recent years and I'm very supportive of landlords being taxed on profits. However, my initial research suggests that professional landlords who buy property through companies only pay tax on (company) profits whereas I'd pay tax on revenue. I'd pay 40% vs them paying corp tax (25% ish?). Is my understanding right and is there any regulation or tax relief specifically for "accidental" landlords who are also renting a home themselves rather than having a big empire of properties as a business? Also how would the tax work for co-owners, would I just pay 40% tax on half of the rental income? My friend lives abroad in case that's relevant. I know there are a lot of accidental landlords due to cladding, relationship changes etc so am hoping the question is also useful for other listeners. Thank you! Emma 32:33  Question 6 Thanks for an excellent podcast - one of the best in the personal finance space. Around 6 years ago I inherited a low 6 figure sum which I put into a GIA. Each year I have made Bed & ISA transfers to diffuse any Capital Gains and to move more of my money into a tax shelter. As we have had a strong investment environment over this period I still have a reasonable balance in the GIA. Now the government has reduced the annual Capital Gains allowance to such an extent that I expect to be unable to defuse all of my Capital Gains each year. This will limit the amount I can Bed & ISA and I expect the GIA balance to start increasing compounding the issue. To be honest I don't think this will be an unusual position to be in as you will not require an unfeasible balance in a GIA to pay CGT on "gains" solely due to inflation. My current plan is to allow the above to happen by only utilising my annual CGT allowance and not paying CGT while I am working. My question is how CGT is charged in early retirement. Lets say I stop working at 55 and don't take my pension until 57 (earliest I can). I will have no income for two years so my Personal Allowance will be unused. In this case can I make £15,570 of gains in the year before CGT? Searching online I can only find information on Basic and Higher Rate GGT and not Nil Rate. Thanks, Simon 38:43  Question 7 Hi, Love the podcast. I have some questions about pension contribution limits and tax relief. My taxable employment income for 2024/2025 is around £30k. I already contribute to a workplace pension via salary sacrifice. The total amount paid in by my employer is £12k. I am using my full ISA allowance but still have savings and investments in a GIA, not sheltered from tax and would like to pay a lump sum into a SIPP before the end of the tax year. My questions are: What's the maximum I can pay in? Is it £30k or do I have to subtract my employer workplace contributions, so only 18k? I keep finding conflicting information online! If it's 30k, does this mean I actually pay in 24k? If it's 30k, would I receive government top up on all of it, even though I didn't pay tax on the first £12,570? Does the contribution to a SIPP actually reduce my taxable income? So if I contribute the full £30k (assuming I can) is my personal allowance then unused by employment? I have savings and investments income of around £10k from my GIA. Would this then fall inside my personal allowance and no tax be due? Thanks for any help you can offer. I'm so confused with all the information online! Thanks so much for the podcast - keep up the good work. Alison  

Only using money to prepare for the future ends in a total loss. Money is a tool for doing something meaningful while you are here to use it.For links and more info, visit:https://www.meadowheights.com/hub

Pete Matthew believes our mindset about money shapes every decision we make with it. Without the right attitude and perspective, even the best financial plans can fall apart. So Pete, a Chartered Financial Planner and Founder and host of Meaningful Money, asks - how can we avoid making the wrong decisions? ✉️ 80% of personal finance on 2 pages Get guide: https://makingmoney.email/80-guide-pete-matthew

Email List: Sign up at https://www.50fires.com/ for our monthly email with resources for financial advisors!  Follow 50 Fires on Instagram: https://www.instagram.com/50firespod/ Please direct business inquires to: blindnilaudio@magnolia.com Cover Art: Josh Passler - TheFinArtist.com Music Credits:  Alexandra Woodward / Rabbit Reggae / courtesy of www.epidemicsound.com Cody Francis / Wherever You're Going / courtesy of www.epidemicsound.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy 1 Year to Katy's book: Direct Sales Done Right!Katy and Melanie are talking about the reasons behind Katys purpose for the book, the importance of the sections of the book, how you can incorporate each of the sections into your own direct sales business, and examples of real life from Melanie and Katy on how you can implement what you are learning from the book!   Get your copy of the Direct Sales Done Right Book DSDR Book here: https://chicinfluencer.com/direct-sales-done-right/DSDR Workbook:https://www.amazon.com/dp/B0CJKTR7F3?ref_=cm_sw_r_cp_ud_dp_M8C4N99VR9H3JT62721XHIGHLIGHTS: 2:47 Why Katy wrote her book. 06:30 Breaking down section 1. 8:35 Melanie's vision. 11:04 Breaking down section 2. 14:46 Social media is your store front. 15:25 Breaking down section 3. 19:27: Breaking down section 4. 23:44 Breaking down section 5. 26:47 Breaking down section 6. 

In our 141st episode of Kitces & Carl, Michael Kitces and client communication expert Carl Richards discuss the powerful questions to ask clients in order to create impactful conversations about money. For full show notes, see kitces.com and thesocietyofadvice.com.

In today's episode, Brian has a conversation with Pete Matthew. Pete is a chartered financial planner, YouTuber, author and creator of Meaningful Money. He is also the MD of Jacksons Wealth Management. His book 'The Meaningful Money Handbook' has helped many people on their journey with their money, including Brian.Meaningful Money 1 page financial plan template - https://meaningfulmoney.tv/wp-content/uploads/2019/10/One-Page-FP.pdfTo find out more about Pete:Book - https://www.amazon.co.uk/Meaningful-Money-Handbook-Everything-everything/dp/0857196510YouTube - https://www.youtube.com/channel/UC39PLqUmy-AKK5HGYYfwFYwWebsite - https://meaningfulmoney.tv/ Hosted on Acast. See acast.com/privacy for more information.

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 

In this episode, we explore setting financial goals that transcend mere numbers.   Listen now and learn: Why most money goals aren't aligned with holistic wealth How to set meaningful financial goals Ways to align your spending with those goals   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

According to Meaningful Money, gratitude is the antidote to the negativity bias. Psychologists who study the negativity bias have established that each day up to 80% of our thoughts are negative. There are many ways to show gratitude. Here are a few ideas: • Write a thank-you note or email to someone who has made a difference in your life. • Offer to help someone in need. • Share your gratitude publicly, like on social media. • Give a thoughtful gift to someone who deserves it. • Take time to reflect on the good things in your life and acknowledge them. Remember, gratitude is a mindset and an action. Showing gratitude can brighten someone's day and create a positive ripple effect! --- Send in a voice message: https://podcasters.spotify.com/pod/show/michael-kaagee-mante/message

“If money were food in your life, what food would it be? Is it junk food? Is it nutritious? Is it comfort food?” Ever wondered how to align your financial decisions with your life's purpose? What if you could transform your relationship with money into an intimate journey of growth and understanding? Our host Ed Coambs delves into these questions and more with financial planning colleague, Elizabeth Jetton. Elizabeth shares her insights on how money can be used as a tool to live a thriving life. Elizabeth doesn't stop at the individual level, though. She brings a wealth of knowledge to the table about harnessing the power of financial communication and transparency within couples. Drawing from her personal 25-year journey with her husband, she shares some powerful techniques to celebrate differences and create financial harmony in relationships. This episode is a revelatory exploration of the pivotal role emotions play in financial decision-making, guided by Elizabeth's understanding of neurosciences. Lastly, as they journey towards financial intimacy, Elizabeth encourages us to reflect on our emotional relationship with money. She invites listeners to engage with their personal narratives around money—how they perceive it, engage with it, and how it influences their life decisions. This discussion is peppered with insightful tips on how to nurture our financial relationships, making this episode an absolute must for anyone looking to develop a healthier, more intimate relationship with their finances. Key Topics: Welcoming Elizabeth Jetton (01:18) Managing Finances in Relationships (07:57) Financial Planning and Trust in Relationships (13:33) Psychology and Personal Growth Through Money Challenges (19:25) Consumerism, Values, and Financial Planning (21:30) Money Mindset and Body Awareness (27:03) Neuroscience, Willpower, and Financial Decision-Making (32:29) Overcoming Financial Challenges in Relationships (38:02) Resources: Elizabeth Jetton on LinkedIn Connect With Healthy Love and Money: Schedule your free 30-Minute Discovery Call About Therapy-Informed Financial Planning™. Learn about your money and attachment style with this short Attachment Style Quiz. Buy the Double Award Winning Book: The Healthy Love and Money Way. Hit Follow on Your Favorite Podcast Player To Get the Latest Episodes.

Money can be funny.  But, most of the time talking about money isn't funny at all! In this episode, Chris and Ericka discuss how it takes courage to have meaningful money conversations in relationships. Identifying personal hot buttons around money helps people understand what is required in order to elevate the conversation.  We share our own experiences where courage was necessary.   It took courage to make some financial decisions but the outcomes are worth the effort.  Although you may not be able to see that right away. Having these conversations can help people make lemonade out of lemons. An important element of these conversations is the ability to recognize individual discomfort around certain topics, along with taking courageous steps to address them. Listen in to learn more.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

My business partner and life bestie is on the podcast this week! Katy and I are sharing about Katy's new book, Direct Sales Done Right: A Proven Path to Stop Wasting Time and Start Making Meaningful Money! On this weeks episode, Katy and I are sharing about top pillars of success in direct sales over the last 12 years together. Katy is going to be walking you through the steps in her book and how you can utilize he book in your biz today! Get your own copy of Direct Sales Done Right: A Proven Path to Stop Wasting Time and Start Making Meaningful Money on Amazon here: https://amzn.to/44GL7aU Bulk order form: dsdrbulkorder.chicinfluencer.com

Tune in to hear:- In studies, non-compliance with financial advice generally hangs around the 50% range. However, many advisors say that their clients are very compliant and that these stats don't hold true for them. Has Derek noticed this and what does he think accounts for this difference?- What is the “stages of change” model and how might it be applied in practice with clients who are pushing back?- What is a concrete, actionable step an advisor can take to help move their client from the contemplation stage onto the preparation stage?- A lot of clients are held back by their anxiety and fear. Is there a path for removing roadblocks that unearths clients' motivations as well?- What is the “righting reflex?” When does it prove helpful and when does it get in the way?- If you are an advisor and your client is putting up walls, giving pushback and privileging the status quo - what is the best way to move forward and break this stalemate?- What are scaling questions and change rulers and how are they applied in practice?https://www.meaningfulmoney.lifeCompliance Code: 1246-OAS_5/3/2023

Our society often places a heavy emphasis on achieving, setting targets, and constantly expanding. But is it possible to find fulfillment and contentment without chasing constantly after goals?Today, we have the privilege of speaking with Derek Hagen, a financial therapist who specializes in helping individuals understand the role of money in their lives while guiding them towards a more meaningful existence.In this discussion, we examine how our fixation on goals can distract us from being present in the moment; we explore the reasons humans set goals and how it may just be a desperate attempt to control the future.Join me for this captivating conversation that challenges conventional notions of goal setting and explores the path to a more mindful and meaningful life.Anna's Takeaways:Intro (00:00)Financial Goal Concept (4:57)Why Do We Set Goals? (11:43)The Day To Day (16:36)Live Your Life In Alignment With Your Values? (20:11)Seeing The World From A Different Perspective (29:35)Meet DerekDerek Hagen is a financial therapist specializing in meaning and purpose. He is the founder of Meaningful Money, helping clients who feel stuck. He has been featured in The Wall Street Journal, Kitces Nerd's Eye View, Standard Deviations, and the Human Side of Money.He writes about money, meaning, purpose, and happiness using simple drawings in his weekly newsletter and blog. He earned an economics degree from Minnesota State University and a graduate certificate in financial psychology from Creighton University. He has earned the Certified Financial Planner, Chartered Financial Analyst, Certified Financial Theraist-1, and Certified Financial Behavior Specialist designations. In his spare time, Derek enjoys playing squash, hiking, camping, and biking.Connect with Derek Hagenwww.twitter.com/_derekhagen_www.instagram.com/moneypsychology/www.facebook.com/MoneyHealthSolutionsLLCwww.linkedin.com/in/derekhagen/www.meaning.blogEPISODE SPONSORS:Money Flow System - Download Free Money Flow Playbook and start automating your finances. SUBSCRIBE & SHARE:Want to be the first to know when new episodes are released? Click here to follow me on Apple Podcasts! IT'S FREE! LET'S GET SOCIAL:Anna on FacebookAnna on InstagramEPISODE SPONSORS:Money Flow System - Download Free Money Flow Playbook and start automating your finances. SUBSCRIBE & SHARE:Want to be the first to know when new episodes are released? Click here to follow me on Apple Podcasts! IT'S FREE!

Today's episode of the podcast is jam-packed with ideas and conversation-starters for talking to your kids about money. Learning how to introduce the subject, cover basic financial concepts, and give them advice around “giving, saving, and spending” are all part of today's discussion. Furthermore, you can gain insight on how to empower them to make their own money decisions. If you're looking for ways to help your children have a better understanding of money management, navigating the difficulties of budgeting, and smart saving then today's show is one worth checking out!

When we keep things simple, we get stuff done. Fact! This episode is looking at how to apply this to your money. And who better to help us with simple actionable money tips than Pete Matthew, of the Meaningful Money podcast. Pete is the king of keeping it simple and getting stuff done so we're very excited he's joined us for this episode. Check out Pete's podcast in the link below.We'll be answering questions on:1. How to simplify your pensions (handy checklist below)2. How to simplify your paperwork3. The most common way we accidentally over-complicate money4. Simplify your thinking5. Simplify your spending plan (a budget that works linked below)6. Our all time favourite quick wins clients have fallen in love withSPECIAL GUEST: Pete Matthew  is a 25-year veteran Chartered Financial Planner, CEO of Jacksons in Penzance, husband to Jo and Dad to two grown-up daughters.In 2010 he picked up a video camera and shot the first video for what would become Meaningful Money. Since then the YouTube channel has clocked up over 4 million views and the podcast has been downloaded 6 million times.For Pete, financial planning is a life skill that should be taught in school and the workplace, but in the absence of that, his goal is to provide as much information as he can, so that ordinary people can help themselves become financially free.Meaningful Money PodcastMeaningful Money YouTubePension checklist https://meaningfulmoney.tv/2021/03/16/uk-pensions-checklist/Budget planner https://meaningfulmoney.tv/budget-planner/YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCAFE EXPERTS:Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

#149 - Pete Matthew is a Chartered Financial Planner and the host of Meaningful Money.  He explains the different types of pensions, the best places to put your money for retirement and how to build up a pension pot for when you're ready to retire.What you'll learn[2:25] How the pandemic has changed the way people think about their finances.[5:40] The two different types of pensions and how they differ from each other.[9:19] Why defined benefit pensions are likely to be phased out.[10:48] How the 2008 crash changed annuities and the idea of a ‘guaranteed income for life'.[14:44] Whether state pensions in the UK have a future.[17:22] The increase of gradual retirement and reducing your hours before retiring completely.[22:37] How to know if you're ready to retire.[27:37] How much money you should spend when you first retire.[31:25] How to figure out what you need to retire.[35:25] Where to put your money for retirement.[39:00] What to do if you haven't started a pension yet.Resources mentioned in this episode (some of these are affiliate links and we may get a commission in the event that you make a purchase - this helps us to cover our expenses and is at no additional cost to you):Episode 27: Money matters: how to finance a career change – with Pete Matthew of Meaningful MoneyBeyond the 4% Rule, Abraham OkusanyaChanging Gear, Jan Hall and Jon StokesEpisode 82: What are you earning for anyway? The role of money and wealth in achieving life harmony - with Joseph Kuo of Abundance Wealth PlanningFor the show notes for this episode, including a full transcript and links to all the resources mentioned, visit:https://changeworklife.com/will-i-be-able-to-afford-to-retire-how-to-plan-for-a-financially-secure-retirement-even-if-its-years-away/Re-assessing your career?  Know you need a change but don't really know where to start?  Check out these two exercises to start the journey of working out what career is right for you!Take me to the exercises!Also, make sure to join the Change Work Life Facebook group and check out the ways you can support the podcast on the Change Work Life Support page.Follow us on Facebook, Instagram, and Twitter.

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.

Today 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…

I'm reading selections from another Harriman House publication; this handbook is for anyone who didn't get taught about money at school. If you find personal finance confusing, and have no idea where to start, this book from a financial planner and podcaster breaks down exactly what you need to know and do to start managing your outgoings, get out of debt, protect your future, and start investing.https://www.harriman-house.com/meaningfulmoneyAudiobook: https://amzn.to/3lsUkP6Free Audible trial: https://www.amazon.co.uk/hz/audible/mlp?ie=UTF8&actionCode=AMN30DFT1Bk06604291990WX&tag=bear09-21SUPPORT SAVE LIKE A BEAR: https://www.savelikeabear.co.uk/tipjarBUY MY LATEST BOOK: https://www.savelikeabear.co.uk/shopCONNECT WITH ME: https://www.youtube.com/channel/UCMOtEWMO0nGhdkPwqlXWglwShow notes: https://www.savelikeabear.co.uk/episode64

In 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...

Our first ever guest from episode 1 joins us for this 200th Episode special. We catch up with Pete Matthew from the Meaningful Money podcast to find out more about him, his firm and his content marketing strategy.

The one thing that may totally change how you spend and save your money has nothing to do with spending or saving. It's a question. And those who have been brave enough to answer this question have never regretted it.

On this week's episode of Good Fat Life, Sherri invites Dawn Clark from Modern Woodmen Fraternal Financial onto the podcast to talk about the mission of Modern Woodmen and how to have meaningful conversations about money. They dive into narratives, dispel myths, and give proper tools for money management.  Show Links Learn more about our magazine, podcast, and upcoming events by visiting goodfatlife.com For a subscription to the Inspired Good Fat Life magazine, you can Text “InspiredGFL” to 55678 and send a SMS Message/Text to receive a digital subscription! Guest Links Dawn Clark -Modern Woodmen Fraternal Financial Website: Dawn Clark Facebook: @DawnClarkMWA Office: (810) 243-2900 Sponsors This week's episode was sponsored by Hands on Health Chiropractic Find out more about Dr. Adam N. Rushford. Website: www.HoHChiro.com Facebook: @HandsonHealthChiroBrighton

Millennial Money Mindset reaches 50 podcast episodes. To celebrate we are joined for the second time by Pete Matthew. Pete's podcast Meaningful Money has been downloaded over 5 million times. Pete is also an author, YouTuber and Chartered Financial Planner.    In this episode we talk about the biggest mistake people make with their money and investing. Pete reveals his own favourite investing mistakes and some money tips on how to avoid making the same mistakes with your own finances. We discuss our favourite books and which have had the biggest impact on our finances and thinking around work and business. All this and more in this special episode of Millennial Money Mindset Listen today as this episode is packed fulled with value   

Is it possible to beat the market and if so how? We explore this question and much more in this interview with Pete Matthew, who is the podcaster and author of Meaningful Money and is also a Financial Planner.  Pete Matthew's podcast Meaningful Money has been downloaded over 5 million times! He is the UK leading authority on personal finance. He shares his experience in this Millennial Money Mindset podcast. What are Pete's three uses of money? What makes life meaningful? How did Pete start his Meaningful Money Journey? He reveals all this and more in this two-part podcast episode. This is the final interview of season 4 of the podcast. I have saved the best for last. Be sure to listen to this episode as it's packed full of value!  

Joined by Qualified Financial Adviser, Pete Matthew, host of the podcast “Meaningful Money”. Pete & I explore how necessary it is to seek financial advice and the reasons why you don't always need to appoint a Financial Adviser to help you make good financial plans. Money is a tool that gets us from A to B and often we are able to make our own empowered choices just by getting the basics in place around money management. Find out more about why money is a lousy master, but a great servant.   In this episode: How necessary it is to seek financial advice and when it becomes and investment worth paying for The difference between financial advice and financial guidance What situations dictate that you move from a do-it-yourself option to seeking professional financial advice Simple steps that will enable people to do the basics themselves Why being intentional with time and money can be so powerful   Resources: Get on the VIP list for my upcoming book Register for my FREE Financial Coaching Masterclass Join The Money Circle Join Catherine's Facebook Page and FREE Facebook Group My Online Courses – Investing for beginners from £1 Catherine's YouTube Channel  Connect with Catherine on Twitter, Instagram and Facebook Books Meaningful Money Handbook The Simple Path To Wealth Connect with Peter on Website, Meaningful Money Podcast, Facebook and Instagram

We talk about the higher purpose God has for our money. Preacher: Rev. John Asher

In this episode of the Better Presentations More Sales podcast Trevor challenges you to share your expertise, to offer advice and tips for free as a way of raising your profile and building trust in your personal brand.Last week I was at a business event in Penzance where the guest speaker was Pete Matthew of MeaningfulMoney.TV - Pete is a financial advisor who started recording advice videos in 2011 before launching a podcast which has over 5 million downloads. Pete was a mentor and inspiration for me launching this podcast. Pete's message at the event centred around giving your expertise, advice and tips away for free via videos or podcasts or articles. That inspired this episode.So here are 4 ways you can share your expertise and raise your profile. When you go networking take a top tip that will be helpful to other attendees and she it before you talk about yourself. Post a top tip everyday for a week on LinkedIn. Do it in a 60-90 second video. You can easily shoot that via the Linked In app on your phone. Take the 5 tips and turn them into a LinkedIn article and post them the following week.Offer to be a speaker at networking and other business events. Offer 10-15 minutes of useful tips and ideas - could be the same 5 tips from your videosOffer to be a guest on a relevant podcast - again sharing those 5 tipsAll very easy to do. You just need to commit to making it happen. It will be worth it. Especially if you repeat the sequence each month. If you have a top business tip for 2022 why not share it on this podcast. Record your tip in 60-90 seconds - use the memo app on your phone and then email it to podcast@trevorleemedia.co.uk. The listener top tips episode will go out mid -December

Pete is a Chartered Financial Planner, a Certified Financial Planner, and Managing Director of Jacksons Wealth Management in Penzance, UK. He's also a very content husband and father of two wonderful children. After reading 'Crush It 'by one of his internet heroes Gary Vaynerchuk, he realised that he could use the internet and social networking to get an important message across. Pete's mission is to convey his belief that Financial Planning is simple for the vast majority of people. And that it is possible for anyone to achieve their goals. Pete tells Mike how he got into financial planning by accident and how he started his podcast "Meaningful Money" as a hobby. Combining his love for explaining with his geeky technological side, his podcast kept growing. Now he has over 5 million downloads and taught tons of people how to build wealth.

Today 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.

If you are a fan of money-related podcasts or video blogs, you may know of this week's guest already – it's none other than Pete Matthew. From flipping burgers in McDonalds to becoming Managing Director of Jackson's Wealth Management, Pete followed a fairly classic career path. Until he started messing around with a video camera.  Knowing that the work he was doing with his clients at Jackson Wealth Management wasn't making the impact on the universe that he wanted to make, Pete sat on the beach talking to his camera and posted the video on YouTube.   A decade later, he is now host of the award-winning podcast Meaningful Money – a podcast dedicated to helping anyone get their finances in order. With the success of the podcast and YouTube channel, Pete has set up an online academy – The Meaningful Academy – which teaches you everything you need to, and should, know about money. Pete joins me today to discuss what motivates him to run Meaningful Money, and why he believes everyone is capable of investing. We also delve into his recent retirement planning series, discussing why retirement planning is so important and the steps everyone should take when thinking about their retirement.

Easily 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.

Andy Stanley - If Money Talked, Part 4 Meaningful Money by H7O

We have a special guest interview in this episode - the legend of financial planning and all round good egg, Pete Matthew. In the interview Pete talks to Chris about his new book The Meaningful Money Handbook. They explore being intentional in your approach to money, top budgeting tips and how to spend your money meaningfully. With great #tightasstommo money saving tips we have an action packed episode for you to enjoy.

Now the EU referendum has been announced, there is one question which I am starting to hear over and over again: How will Brexit affect my investments? Today I'm speaking to friend of the show, Justin Urquhart Stewart of Seven Investment Management, he of the red braces fame, and ask his opinion. He also tells us how he is going to vote and why… 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 put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk How will Brexit affect my investments? Since 1973 the UK has been a member of the European Economic Community, and we voted in a referendum to stay within it in 1975. Well, I didn't, as I was born that year! Since then, the EEC has changed beyond all recognition and now, on June 23rd we're going to be given the chance to vote again on whether we should stay or leave what is now called the EU. As you can imagine, my clients have been asking the question - what will the British Exit, or Brexit mean for investments? So I have been reading, listening and watching what I can to try and get on top of the pros and cons of each camp. The first person I called was Justin Urquhart Stewart, who returns to the MeaningfulMoney podcast for the fifth time! In this session, you'll discover: What affect the announcement of the EU referendum has already had on investments Justin's view on the pros and cons of a British exit from the EU Some clear parallels between the pressures currently being faced by the EU and those faced in ancient Rome Some of the key drivers of the current market volatility, apart from the EU referendum How Justin Urquhart Stewart is planning to vote in the referendum The best plan for riding out market volatility, whatever the result I think there are so many facets to this debate and it will depend very much on your point of view. And it was ever thus, right? We'll make the decision based on what it means for us, perhaps at the expense of the greater good. Ah well, we'll see, sometime on June 24th probably, what the outcome will be Resources mentioned in this show Transcript: As always, there is a full transcript of this show available by clicking the big blue button below: Join the conversation I love to read and respond to your comments, so please do join in and share. Question: How are you planning to vote, and why? Please keep any comments respectful, or I'll just delete them and block you ;-) Share the love Hugs and kisses to Sparky Lu, and O-J P for their reviews this week - much appreciated folks! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Over the past six years I have built up quite a body of work here on MeaningfulMoney. And that's especially true when it comes to how to invest. In today's show I am going to bring together some of the best investing resources on the site and try to fit them into a path to take you from zero to elite investment skills. 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 put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk How to invest With 303 videos and 149 podcasts here on MM it can be hard to find what you need, though there is a very efficient search system. I am in the process of designing and building a new home page which will hopefully help new visitors find their way round, but until that is done, this post should help you navigate the best stuff when it comes to investing. Of the resources listed, more are podcasts than videos. Many of the videos are somewhat out of date now, and while I am redoing some of them, the podcast is generally where the meat is. Ready? Here are eight steps to become and investing ninja: Step 1 - Get into the right mindset Video number 246 talks about getting into the savings mindset. You need to start form a good place, as the changes you will make need to be deep-seated to last for a lifetime. This involves being future focused, getting mad at the financial services industry, and committing to taking control of your own future. Step 2 - Get started For those who are right at the very start of their personal finance journey, and are looking to pay off debt and begin saving for an emergency fund, I have a dedicated index page just for you. If you have done those things, and you're looking at how to invest, what's next? Podcast session 6 was a chat with the erstwhile Justin Urquhart Stewart of my sponsors, Seven Investment Management. In that show we agreed that investing should be dull, above all. You should understand your risk tolerance (more in a minute) and understand what makes a core investment portfolio. Then in Podcast session 10 we looked at Asset classes, or things you can investing, and a little bit about how they interact. And we followed this up with Podcast session 11, where we covered the platforms, wrappers and funds that these assets are held inside. this is the basic architecture for investing success. Step 3 - Understand Risk It has been proven beyond doubt that risk and reward are related. Risk is a multi-layered subject, as I discussed with my friend Richard Allum in Podcast session 16. Much later, I chatted to Paul Resnik of risk measurement firm Finametrica in Podcast session 119, and looked into the science of risk tolerance, and whether or not it changes in response to external factors. Finally, video number 300 covers the three main ways in which investment risk can be managed by ordinary folks, such as you and me. Step 4 - Educate yourself We're better at most things if we learn something about them in advance of diving in. The same is true for investing, which is why this site exists, and why you're here. You need to learn how to invest, before you start to invest. Podcast session 76 was a chat with journalist Robin Powell who created a documentary called How To Win The Loser's Game. Listen to the show and watch the film; it'll set the scene. Then I embarked on a four-part investment masterclass covering: Asset Allocation Risk and return Setting realistic targets Understanding costs Those four podcast sessions will give you a superb grounding of education and equip you to make good choices. Step 5 - Get practical Armed with all that good information, it is time to get your hands dirty with some practical investing. Back in Podcast session 41, I took listeners through how to build a portfolio from scratch, exactly how I would do it. I then chatted subsequently with Mark Polson of platform consultancy the lang cat, in Podcast session 75. If you're going to go it alone and not seek professional advice, there are plenty of online systems to help you invest in various ways, and Mark's guide helps you decide which is best for you. Once a portfolio is built, it should be reviewed. In Podcast session 96 I cover what to do when you sit down each year to look at the year just gone and the one coming up. What should you be looking for? What should you ignore? Step 6 - Learn about behavioural finance We are so often our own worst enemies. While investing is a science, as humans we are driven by emotion, and as such we can make some very bad decisions. Half the battle with learning how to invest is understanding why we make mistakes and putting in place a framework to minimise these. Back in Podcast session 43 I covered nine classic investing mistakes that I see people make over and over again. Then, in one of my favourite conversations I have had for the podcast, I chatted to Greg Davies from Barclays Wealth over two shows, session 108 and session 109. Greg is the UK's foremost authority on behavioural finance and gives us some very practical tips on how to make good investing decisions. Finally, I make my own attempt to give some practical tips for making smart decisions in Podcast session 118. Step 7 - Get things in context As I often say here on MeaningfulMoney, money is never an end in itself, but a means to an end. It is there to serve your life goals, and to enable them, never to be a goal in itself. It is therefore vital to invest with this context in mind. In Podcast session 48 I asked some important questions, crafted by the father of financial life planning George Kinder. These three questions will help put money in its proper place. I then interviewed my good friend Tina Weeks in Podcast session 85, and she shared her approach for putting money into perspective. Step 8 - Take things to the next level Finally, for those plucky few who make it this far, there is the opportunity to level up, and take your investing to the next level. In Podcast session 81, I cover some advanced investing techniques, and in Podcast session 24, I talked about some lessons we can learn from how the super-rich manage their wealth. I chatted to financial guru Todd Tresidder in Podcast session 123, and asked the question: How much do I need to retire. Todd himself retired at 35 or something incredible, so he's a good man to learn from. And then in Podcast session 113, I covered ways to put your finances on autopilot, so you can grow your wealth while you sleep. Summary Phew! I think that is plenty for most people to be going along with. If you can apply the information about how to invest contained in these podcasts and videos, your financial success is pretty much assured.   Join the conversation I love to read and respond to your comments, so please do join in and share. Question: Which of these resources has benefitted you most, and why? Share the love If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

This month on MeaningfulMoney, we have dived deep into the world of tax planning, and I have hinted about tax-efficient investing as I've gone along. This week I want to give you a comprehensive checklist to everything you need to KNOW and then everything you need to DO to make the most of the many tax planning angles available to you when you are investing.   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 put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Tax-efficient investing Checklist By now, you know how I feel about tax. It's necessary to pay it, even our duty to pay it in order to contribute to society. But part of living in a developed economy is that the government uses tax breaks to encourage investing in certain ways. It's those tax-efficient investing techniques I want to explore today. What I go through today will be all that 98% of you ever need to do. If you tick off these things you'll save as much tax as it is possible to save when investing. Any other questions or comment, leave them in the show notes. Resources mentioned in this show Blog: Contrived Tax Planning Checklist: Click the big yellow button below to download the checklist so you can tick off each step Transcript: As always, there is a full transcript of this show available by clicking the big blue button below: Join the conversation I love to read and respond to your comments, so please do join in and share. Question: What capital gains tax planning and inheritance tax planning measures have you taken? Share the love Hugs and kisses to TimW123 and Rtheyalltaken for their reviews this week - much appreciated folks! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Income tax is a fact of life for most people, but income tax planning opportunities are available to everyone who needs them, if you know where to look. In this week's show I cover the obvious and not-so-obvious income tax planning tips you need to know.   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 put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Income tax planning The current and previous governments have done a great deal to bring more people out of paying income tax by increasing allowances, of which more in a minute. For those of us who do pay tax, there are plenty of ways of saving tax legitimately and that's what we're looking at today. By the way, I'm guessing there are not too many bazillionaire footballers and pop stars listening to this. These are the kinds of people who have fallen foul to tax avoidance schemes which turned bad. Needless to say I'm not a fan of anything dodgy. In fact, I wrote a blog about the difference between tax avoidance and tax evasion, and why I think it is right and proper that we pay tax, even while using all the many allowances and reliefs that are offered to us to reduce tax. BTW, this is a session geared towards UK taxpayers, as I have no idea how tax works anywhere else in the world! In this session, you'll discover: How income tax works All the allowances which are available from April 2016 All about about income tax reliefs – free money! What you should do if you're in a relationship, to save income tax How to use the coming facility of ISA restocking to your advantage How to make the most of the new dividend allowance Which tax wrappers you should use to take best advantage of income tax planning angles The new extended personal allowance, personal savings allowance and dividend allowance, coupled with the existing benefit of pensions and ISAs will mean that the vast majority of people could well pay zero tax on all their investments and pensions (except when you take money out of a pension). It's just a matter of organising things in the best way possible.   Also, watch for  the articles and videos on the MeaningfulMoney.tv site. I put out a blog post on Monday, the podcast on Wednesday and a video on Friday, and February is tax month, so that'll be the general theme, at least until I run out of stuff to talk about! If you have any questions about this personal taxation overview, leave a comment below. Resources mentioned in the show Podcast: Personal Taxation Overview – including a downloadable cheatsheet with worked income tax examples   Join the conversation I love to read and respond to your comments, so please do join in and share. Question: What income tax planning measures have you taken? Have you invested in different tax wrappers? Share the love Hugs and kisses to Troy50, Rob Mildren and Steve Binns for their reviews this week – much appreciated folks! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe.

Personal taxation is changing. It's been a while since we looked at this subject, one of life's inevitabilities, so let's dive in to my personal taxation overview, and see where we end up!   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 put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Personal Taxation Overview Yes, tax is changing, as it often does. I heard somewhere that in the UK have the largest tax code, when printed out as a series of books, of any developed country in the world. I don't know if that is true, but one things for sure, it IS a complex thing to understand, and yet it is so necessary. As ever though, I am here to simplify things for you and to cut down the reams of paper into bite-size chunks that you can APPLY to your everyday life and investing. We'll cover the three main personal taxes: income tax, capital gains tax and inheritance tax. This time, I'll be looking at what you need to know, and then over the next two weeks I'll look at what you can do to mitigate some of these taxes. BTW, this is a session geared towards UK taxpayers, as I have no idea how tax works anywhere else in the world! In this session, you'll discover: All about walls and boxes - that's a model for understanding income tax! The order your income is taxed in - it's important All about changes happening in April which transform how your income is taxed What is happening in April to the way interest on bank savings is paid How capital gains tax works How inheritance tax works How much you can leave your beneficiaries when you die, without paying tax It's tempting to get into some actionable stuff here, but listening to tax info is dry, so I wanted to keep it short-ish. Next week we'll look at income tax strategies, but for a visual cue to how this all works, download the cheatsheet by hitting the yellow button below.   Also, watch for  the articles and videos on the MeaningfulMoney.tv site. I put out a blog post on Monday, the podcast on Wednesday and a video on Friday, and February is tax month, so that'll be the general theme, at least until I run out of stuff to talk about! If you have any questions about this personal taxation overview, leave a comment below. Show transcript As always, there is a full transcript of this show available by clicking the big blue button below:  Join the conversation I love to read and respond to your comments, so please do join in and share. Question: Is your tax situation going to be better or worse after the changes in April 2016? What are you doing about it? Share the love Hugs and kisses to Joshua Tharby for his review this week - much appreciated fella! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

For the month of November I conducted a survey of you, my excellent listeners and readers, to find out more about you and about how I can serve you better. In this week's show, I'm going to take a look at those results and let you know what they mean for this show and the site in 2016.   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 put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session: OK. The survey took on average two and a half minutes to complete, so you may wonder just how much information I can glean from such a short survey. But, I have been reading, folks. And those questions were very carefully chosen for maximum effect, so let's look at the stuff I got to KNOW about you, my lovely audience, and then we'll look at what I'm going to DO with that information. In this session, you'll discover: The age range of my listeners How much you're worth!! Where in the world you are based Your employment status The stage in your financial lives that most of you are at right now What I plan to do with the MeaningfulMoney content next year The courses I'm aiming to produce BIG news for would-be investors Resources mentioned in this show Course: Learn How To Budget on Udemy Register your interest: Learn How To Invest Join the conversation I love to read and respond to your comments, so please do join in and share. Question: What do you want to read/hear/learn about in 2016. Let me know and I'll do my best to cover it! Share the love Hugs and kisses to JackNassisBaby, Steege77 and ap_in_dc for their reviews this week - much appreciated folks! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below: