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
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.
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.
10 snips
Oct 29, 2025 • 44min
Listener Questions Episode 31
Explore the intricacies of early retirement with a £700k savings pot and how to navigate cash flow before pensions kick in. Discover why the exact value of your fund doesn’t dictate retirement success. Learn about the importance of checking your National Insurance records and the nuances of pension access ages. The hosts tackle when to stop extra contributions while maximizing tax benefits. Get insights on choosing the right investment platform based on fees and flexibility. It's a treasure trove of financial wisdom!
14 snips
Oct 22, 2025 • 35min
Listener Questions, Episode 30
Listeners dive into smart retirement strategies, exploring how to plan effectively with a property portfolio. They discuss the art of staying under the £100k threshold for childcare benefits while still maximizing pension contributions. The hosts also tackle where to keep savings before the next ISA deadline and what to do if you've fallen behind financially. Plus, there's great advice on handling large tax-free cash from pensions and insights into employer contributions from limited companies. A mix of practical tips and financial wisdom!
10 snips
Oct 15, 2025 • 43min
Listener Questions Episode 29 - Retire Soon
Dive into intriguing listener questions about retirement planning! Discover strategies for withdrawing tax-free cash from your SIPP and how to navigate age differences in pension planning. Learn about building a cash-flow ladder and when to transition investments. Tune in as experts discuss whether DIY planning suffices versus seeking advice for large portfolios. Plus, tips on tax relief for higher-rate taxpayers and funding for spouses with age gaps. Packed with insights for anyone nearing retirement!
8 snips
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.
