Couverture de The Meaningful Money Personal Finance Podcast

The Meaningful Money Personal Finance Podcast

The Meaningful Money Personal Finance Podcast

De : Pete Matthew
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 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/mmpodcastMeaningfulMoney Ltd Economie Finances privées
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    Épisodes
    • How to Spot a Good or Bad Financial Adviser

      How to Spot a Good or Bad Financial Adviser
      Feb 18 2026

      Pete and Roger reveal how to spot a good financial adviser from a bad one. Learn the red and green flags—from transparent fees to pressure tactics—and the key questions to ask before committing. Essential listening for anyone considering financial advice.

      Shownotes: https://meaningfulmoney.tv/session609

      Everything You Need To Know

      04:00 - life vs product

      05:18 - listens vs talks

      06:40 - behaviour vs numbers

      08:25 - clear vs vague

      09:38 - plain English vs jargon

      11:21 - transparent fees vs evasive costs

      13:12 - probabilities vs certainties

      14:48 - evidence based vs secret 'sauce'

      16:15 - calm vs urgent

      17:46 - facts first vs opinions first

      19:50 - "I don't know" vs blagging

      20:44 - written rationale vs 'trust me'

      21:41 - respects advisers vs criticises advisers

      23:40 - growth & protections vs chasing returns

      25:31 - professional vs sloppy

      Cheatsheet: https://meaningfulmoney.tv/adviser-checklist

      Everything You Need To Do

      29:18 - ignore unsolicited approaches

      31:58 - verify they're legit

      33:48 - get fees and scope in writing before committing

      36:36 - first meeting questions

      43:40 - pressure test
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      49 min
    • QA39 Listener Questions, Episode 39

      QA39 Listener Questions, Episode 39
      Feb 11 2026
      Pete and Roger answer six listener questions covering Coast FIRE strategies with GIAs, US 401(k) tax implications in the UK, record keeping for IHT-exempt gifts, Australian pension taxation for UK residents, pension contributions to avoid the £100k tax trap, and managing a £2M portfolio as Power of Attorney. Shownotes: https://meaningfulmoney.tv/QA39 01:17 Question 1 Hi Pete and Roger, I'm 29 and working towards Coast FIRE within the next 2–3 years so I can begin a digital nomad lifestyle — working remotely while knowing my long-term retirement is taken care of. Right now, I've got: - £45k in a Stocks & Shares ISA - £25k in a workplace pension (via salary sacrifice) - A Lifetime ISA for a future house deposit (or later retirement) - A fully funded emergency fund I've already maxed out my ISA for this tax year and plan to continue doing that every year. But I have more money to invest now, and I know that to reach Coast FIRE on my timeline, I need to start using a General Investment Account (GIA). Here's where I'm stuck: I want to keep things simple and tax-efficient, but I feel a bit nervous about GIAs. I keep hearing about the "bed and ISA" strategy but don't really understand how it works in practice or how to implement it over time. Could you explain: - How best to use a GIA alongside an ISA when working towards FIRE? - How to manage capital gains and dividend tax efficiently? - And how the bed and ISA approach actually works — especially for someone trying to keep things simple? Thank you both so much — your podcast has been an incredible resource and a big part of why I've been able to take control of my finances. Warmly, Pauline 12:22 Question 2 Hello Pete & Roger I am very late convert to the podcast but have been ploughing through the Q&A for a few days now. I think I only have another 592 episodes to get through so should be up to date by the end of the week !! I am not sure whether this has been covered or not. I have a 401K plan that has been hibernating in the USA for 20 years. I have only recently started looking at it and now need to understand the tax implications. I have tried to read HMRC guidelines on tax treaties etc but get even more confused than before. My current belief is that the provider will pay this money out by means of US issued cheque (not a problem) but withhold 30% tax (a problem). How will HMRC treat this? The usual sources http://unbiased.co.uk for one run for the hills on finding information about this, is this an area you can provide guidance, but obviously not advice as I know you cannot through the podcast. Regards, Stephen 16:10 Question 3 Hi Pete & Roger, Like so many people I am really impressed, not just with your knowledge and great communication skills, but that you put out such life changing content. You're providing us with the means to help ourselves in this financial world as well as letting us know when to seek professional help. On to my question: we're (wife and I) retired (late-60s) and are lucky enough to have more than enough to comfortably live on, thanks to DB & state pensions, house price inflation etc. Not really through any financial planning but just having been born at the right time! So we do now have an IHT liability. We have a joint second death Whole Of Life policy (in trust) in place for potential IHT and have given help with house deposits for our children. We also are gifting to the kids out of our excess income and would like your thoughts on the type of record keeping needed for this. We have letters stating the intention to give the gifts, recording who to etc. We keep completed IHT403 forms which we update annually. We also have a monthly/annual spreadsheet of income/expenses which demonstrates our surplus and keep track of expenses with the MeMo transaction tracker (thanks for that). These are all in our 'WID' file (again thanks to you for that). What we're not sure about is any documentation that might be needed to evidence the figures. Income is straightforward with P60s, statements of interest/dividends. However, what is required for expenses? Can't really keep all supermarket receipts etc and even bank/credit card statements would be quite bulky over several years. Not sure if we're overthinking but don't want to leave a difficult task for our kids when we're gone. Thank you both again for all the good you are doing Simon 20:33 Question 4 Brian (in Australia) Thank you for all your podcasts and videos but I think I may have to sign up to the academy to fully get my head around all the UK rules. We are looking to move to the UK from Australia - we have no UK govt pension entitlements but are retired with personal Australian private superannuation account pensions. The pension income payments and withdrawals are all tax free in Australia but will the UK government apply a tax on these pension payments once we are UK residents? Thanks again for all your useful information. Regards, Brian 22:55...
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      36 min
    • Becoming A Financial Adviser - Part Two: The SOFT Stuff

      Becoming A Financial Adviser - Part Two: The SOFT Stuff
      Feb 4 2026

      This week we finish off our two-parter on how to become a financial adviser. In this session, we cover the 'softer' part of the job, the human side which is arguably MUCH more important than the hard numbers…


      Shownotes: https://meaningfulmoney.tv/session607

      02:18 - Why Financial Planning Is Not About Money

      05:30 - Planning vs Product

      14:38 - The Core Human Skills of Great Advisers

      25:50 - Behavioural Coaching (The Real Job)

      33:15 - Judgement, Responsibility, and Pressure

      38:31 - Ethics and Integrity in the Real World

      47:57 - Who Thrives on the SOFT Side

      50:05 - Bringing the Hard and Soft Together
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      56 min
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