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
Oct 8, 2025 • 42min
Listener Questions Episode 28
This week tackles a variety of intriguing financial questions. Learn how to frame income protection targets beyond just basic needs. Discover the ins and outs of pension recycling and its rules for couples. Unravel the complexities of accessing local government pensions at age 55 amidst rising minimum age regulations. Plus, expert advice on avoiding the daunting 60% tax trap for high earners. Finally, find out when it's prudent to tap into Stocks & Shares ISAs for home projects.
4 snips
Sep 24, 2025 • 43min
Listener Questions - Episode 27
This week features a lively discussion on whether to buy a property before or after marriage, highlighting the importance of joint decision-making. Listeners learn how to manage a substantial inheritance, especially before a mortgage renewal. The podcast dives into retirement planning for couples with age gaps and offers insights on balancing Lifetime ISAs against pensions. The hosts also touch on tax strategies for gifting to a spouse's pension and navigating capital gains on inherited properties, making for an informative listen!
7 snips
Sep 17, 2025 • 33min
Listener Questions - Episode 26
Listeners dive into a packed discussion on managing personal finance as retirement approaches. They explore the tension between investing in Venture Capital Trusts and the emotional satisfaction of paying off a mortgage. The intricacies of estate planning shine through, tackling the importance of wills and family communication. Investment insights into T-bills and gilts reveal strategies for navigating bonds in today’s volatile market. Key tax and pension strategies round out the conversation, inviting listeners to rethink their financial priorities.
8 snips
Sep 10, 2025 • 33min
Listener Questions - Episode 25
Dive into a riveting discussion about the complexities of pension contributions and tax relief. Discover the nuances of net versus gross contributions and its impact on your finances. Learn about the tax implications if you live abroad and how ISAs may be affected. Unravel the mysteries behind tax-free cash allowances and lifetime limits in pension schemes. Plus, catch up on exciting developments like a new YouTube channel! This conversation is packed with insights to maximize your financial literacy.
8 snips
Sep 3, 2025 • 43min
Listener Questions - Episode 24
This week, the hosts tackle pressing listener concerns about losing disability benefits and navigating financial hardships. They discuss the emotional toll of owning an unproductive property and stress the need for professional financial advice. A young listener seeks guidance on financial qualifications, prompting insights into mentorship and pension planning. The episode also covers the complexities of optimizing pension contributions and the pros and cons of emergency funds in cash versus money market accounts.
11 snips
Aug 27, 2025 • 41min
Listener Questions Episode 23 - Inheritance Tax
This discussion dives into the intricacies of inheritance tax and estate planning. Listeners raise questions about managing significant pension assets and the potential impact on their estates. Strategies for gifting and mitigating tax liabilities are explored, alongside the importance of trusts. The emotional aspects of dealing with inheritance tax are also examined, shedding light on the complexities that can arise in family dynamics. Overall, it’s a thoughtful look at how to navigate financial planning with clarity and intention.
23 snips
Aug 20, 2025 • 45min
Listener Questions Episode 22: Financial Planning for Children
The hosts tackle listener questions about financial planning for children, diving into topics like investing, trusts, and tax efficiency. They discuss setting up trading accounts for kids and the value of teaching them real-world investment skills. Junior ISAs are examined for their benefits and control issues, while the importance of life insurance and employer benefits for family security is emphasized. Tips on pension contributions and managing financial gifts for education round out the conversation, highlighting the need for professional advice.
6 snips
Aug 6, 2025 • 36min
Listener Questions, Episode 21
Listeners dive into complex issues surrounding redundancy payments and pension contributions. The hosts unravel the tricky regulations around employer contributions from personal accounts. They emphasize the importance of ISAs versus pensions for tax efficiency. Misconceptions about trusts are addressed, advocating for emotional benefits in financial planning. The importance of small saving habits for generational wealth is highlighted, along with inspiring success stories to encourage others to start their financial journeys.
13 snips
Jul 30, 2025 • 39min
Listener Questions - Episode 20
Listener inquiries spark fascinating discussions about investment growth rates, with a deep dive into why historical averages might differ from common estimates. The hosts tackle the intricacies of retirement planning, emphasizing the importance of risk management and realistic return expectations. They also explore tax-efficient strategies for 'Save As You Earn' schemes, discussing the balance between aggressive investments and cash buffers. Lastly, they highlight effective withdrawal strategies during retirement, underscoring the impact of market fluctuations on financial stability.
Jul 23, 2025 • 36min
Family Protection Trusts and the McClure Solicitors Scandal with Lee Jackson
Today I’m joined by my friend Lee Jackson who came to me with a thorny financial/legal problem a few months ago pertaining to Family Protection Trusts. I was able to help him answer one specific question, but the issue he faced is shared by tens of thousands of other people up and down the UK. So, I asked him to come on to the show to discuss it, just in case it would help other in a similar situation. Shownotes: https://meaningfulmoney.tv/session583
