The Meaningful Money Personal Finance Podcast
Pete Matthew
Pete Matthew discusses and explains all aspects of your personal finances in simple, everyday language. Personal finance, investing, insurance, pensions and getting financial advice can all seem daunting, but with the right knowledge and easy-to-follow action steps, Pete will help you to get your money matters in order.
Each show is in two segments: Firstly, everything you need to KNOW, and secondly, everything you need to DO to move forward on the subject of that episode.
This podcast will appeal to listeners of MoneyBox Live, Wake Up To Money, Listen to Lucy, Which? Money and The Property Podcast.
To leave feedback or ask a question, go to http://meaningfulmoney.tv/askpete
Archived episodes can be found at http://meaningfulmoney.tv/mmpodcast
Each show is in two segments: Firstly, everything you need to KNOW, and secondly, everything you need to DO to move forward on the subject of that episode.
This podcast will appeal to listeners of MoneyBox Live, Wake Up To Money, Listen to Lucy, Which? Money and The Property Podcast.
To leave feedback or ask a question, go to http://meaningfulmoney.tv/askpete
Archived episodes can be found at http://meaningfulmoney.tv/mmpodcast
Episodes
Mentioned books
32 snips
Jan 14, 2026 • 54min
Understanding RISK
Digging into the nuances of risk, the hosts redefine it as something to embrace rather than fear. They explore market volatility, the silent danger of inflation, and the often-overlooked impact of behavioral risks on finances. Planning mistakes and life shocks like health issues are discussed, highlighting their long-term effects. Advice includes setting clear financial goals, diversifying investments, and intentionally spending for a meaningful life. The importance of regular reviews and adaptability in planning rounds off this insightful discussion.
9 snips
Jan 7, 2026 • 45min
Listener Questions, Episode 37
In the latest discussion, listeners get insightful answers on various financial dilemmas. The hosts address the risks of heavily investing in employer shares and highlight the importance of diversification. They explore using a Lifetime ISA for retirement planning while discussing tax implications and tracking funds. Strategies for balancing pensions and home purchases are considered, alongside the risks of borrowing to invest. Options for maxed-out pensions and ISAs are provided, ensuring listeners have valuable insights for their financial futures.
16 snips
Dec 24, 2025 • 49min
Christmas Episode 2025
Pete and Roger reflect on a landmark year for personal finance, sharing insights from new book releases and the growth of video podcasting. They celebrate record Black Friday sign-ups and introduce 'Bank of Dad,' aimed at teaching finance basics to younger audiences. The duo warns against following investment fads and emphasizes simplifying retirement decisions. Personal stories, including a challenging household flood and moments of grief, add depth, while they express gratitude to their community as they preview exciting plans for the new year.
10 snips
Dec 17, 2025 • 44min
Listener Questions, Episode 36
In this engaging session, listeners explore the complexities of selling properties to invest in pensions as a smart tax strategy. The hosts dive into essential concepts like UFPLS versus flexible drawdown, offering insights on tax timing choices. They also discuss the benefits of investing cash in pensions and provide advice on employer payroll savings schemes versus additional pension contributions. Additionally, the ethical considerations of philanthropy are examined, urging donations for immediate impact with lasting benefits.
16 snips
Dec 10, 2025 • 44min
Listener Questions Episode 35
Retirement planning takes center stage with advice on estimating spending and utilizing cashflow modeling tools. The hosts explore consolidating pensions for better returns and discuss the benefits of employee ownership trusts. Questions about early defined benefit pensions lead to exploring tax-efficient strategies for inheritance. They also provide tips on obtaining a mortgage while starting a business and recommend using Lifetime ISAs for saving deposits. Plus, flexible cash ISAs are clarified, with key insights on withdrawal and replacement rules.
Dec 3, 2025 • 38min
Listener Questions Episode 34
In this engaging discussion, the hosts tackle a variety of listener questions. They explore the dilemma of whether to overpay a mortgage or invest, weighing emotional benefits against potential long-term gains. The conversation shifts to whether a pension can be too large, emphasizing flexibility over tax concerns. They also discuss the merits of starting a pension in your 60s, highlighting the comfort of small contributions. Additionally, they provide advice on moving abroad and using offshore platforms to minimize inheritance tax exposure.
25 snips
Nov 27, 2025 • 44min
Budget 2025 - Roger and Pete respond!
Roger and Pete dive into the November 2025 Budget, dissecting key financial changes. They explore income tax shifts, including a 2% increase affecting property and savings. The discussion highlights the impacts of freezing tax thresholds, capital gains tweaks, and inheritance tax implications. They also examine the new EV mileage charge and a council tax surcharge for high-value properties. Throughout, they keep the focus on practical financial planning insights, steering clear of politics and delivering key takeaways on emerging financial trends.
18 snips
Nov 26, 2025 • 38min
Listener Questions, Episode 33
This episode dives into unique financial dilemmas, starting with how to save for a dual-national grandchild under specific tax rules. The hosts tackle the tax implications of using grandparents' accounts while exploring the best strategies for early pension withdrawals. They also discuss alternatives for managing investments from inheritances and the pros and cons of different savings options. For those considering a career change, insights into becoming a financial planner are shared, plus tips on balancing study with work.
9 snips
Nov 19, 2025 • 45min
The Retirement You Didn't See Coming, with Dan Haylett
In this engaging conversation, Dan Haylett, a financial planner and author, explores the often-overlooked emotional aspects of retirement. He emphasizes that retirement is less about numbers and more about redefining one’s identity and purpose. Dan highlights common misconceptions, such as the dangers of the transition period and the need for a structured approach to spending. He shares insights on the 'retirement reinvention curve,' encouraging listeners to develop meaningful projects that pull them toward a fulfilling retirement.
14 snips
Nov 12, 2025 • 35min
Listener Questions Episode 32
This week, the hosts tackle some great listener questions about transitioning from 100% equity in SIPPs to a balanced retirement portfolio. They suggest a gradual shift over 2-3 years, utilizing new contributions wisely. Another intriguing topic is the explanation of transitional tax-free allowance certificates and their crucial role in retirement planning. Apps for tracking finances are also discussed, with recommendations for YNAB and PocketSmith, ensuring listeners have tools for effective financial management.
