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Artwork for The Meaningful Money Personal Finance Podcast

The Meaningful Money Personal Finance Podcast

Pete Matthew
Pensions
Financial Planning
Personal Finance
Inheritance Tax
Retirement Planning
Investment Strategies
Financial Advice
Investing
Behavioral Finance
Pension Planning
Capital Gains Tax
Estate Planning
Pension Contributions
National Insurance
Retirement
Emergency Fund
Defined Benefit Pension
Isas
State Pension
Income Tax

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 second... more

PublishesWeeklyEpisodes591Founded14 years ago
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InvestingEducationBusiness

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Artwork for The Meaningful Money Personal Finance Podcast

Latest Episodes

In this UK personal finance Q&A, Pete and Roger tackle six listener questions covering pensions, investing, tax and money mindset. We discuss whether high earners should ever consider opting out of the NHS pension due to annual allowance tax, how to ... more

In this Meaningful Money Q&A episode, Pete and Roger answer six listener questions on pensions, retirement planning and tax for a UK audience. We cover whether to put life insurance into trust, how to reduce the 60% marginal tax trap around £100k inc... more

Part 2 of our UK pensions series, this episode covers everything you need to DO if you want to simplify your pensions without making expensive mistakes. You'll learn how to take stock of every pot, spot safeguarded benefits you should never move casu... more

YouTube

In this episode (Part 1 of 2), Pete and Roger unpack the big question: should you consolidate your pensions and investments, or can you oversimplify and accidentally make things worse? We break down what pension consolidation really means in the UK, ... more

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Recent Guests

London Mum
Listener asking about investing for their 18-year-old children in pensions
Episode: QA48 - Listener Questions, Episode 48
Andy Hart
Financial services lifer, regulated financial advisor, founder of Maven Advisor and head of Humans Under Management
Maven Advisor; Humans Under Management
Episode: No Bullsh*t Money with Andy Hart
Dan Haylett
Financial planner, podcaster, and author
Humans vs Retirement
Episode: The Retirement You Didn't See Coming, with Dan Haylett
Lee Jackson
Dance school operator from Cornwall, affected by the McClure Solicitors scandal.
Episode: Family Protection Trusts and the McClure Solicitors Scandal with Lee Jackson
Dr. Daniel Crosby
Chief Behavioral Officer at Orion Advisor Solutions and author specializing in behavioral finance.
Orion Advisor Solutions
Episode: The Soul of Wealth with Dr Daniel Crosby
Rob Dix
Co-host of The Property Podcast and author
The Property Podcast
Episode: Seven Myths About Money, with Rob Dix
Beth Reeves
Compliance manager at CheckMyFile
CheckMyFile
Episode: Helpful Basics: Credit Files and Credit Scores explained
Alastair Ford
Financial coach with a background in management consulting and IT.
Octopus Money Coach
Episode: Bridging the Advice Gap, with Alastair Ford
Dave Algeo
Midlife health coach who helps professionals reshape their health and well-being
Midlife Reshape Podcast
Episode: Health, Wealth and Happiness with Dave Algeo

Hosts

Pete Matthew
Host of personal finance podcast focusing on practical money guidance and retirement planning.
Roger Weeks
Co-host providing financial commentary and moderation; specializes in pensions and estate planning discussions.

Reviews

4.9 out of 5 stars from 2.3k ratings
  • A must listen for all ages

    Pete and Roger explain financial matters in a fun and engaging way. I’m so much more informed about financial matters now and this show has secured my financial future. Thank you Pete and Roger!

    Apple Podcasts
    5
    Old Man 3D
    United Kingdoma month ago
  • Rog is ruining the show!

    I’m sorry but Rog’s clunky delivery is killing the show. He seems ill prepared and struggles to do anything other than repeat Pete’s points. He also struggles to hide a mindset that goes against the interests of his listeners trying to build wealth. 1. He described Rachel’s freezing of income tax thresholds as no big deal (ridiculous it’s crippling) 2. Asks for CGT rates to be aligned with income tax (truly bonkers) 3. Says pensions ‘should’ only be used to fund retirement not as a IHT vehicle. ... more

    Apple Podcasts
    1
    Kloofie
    United Kingdom2 months ago
  • Why didn’t they mention restricted vs independent advisors?

    This is a good podcast with helpful info but surely for the episode on ‘How to spot a good or bad financial advisor’ one of the most obvious points should be ‘is their advice independent or restricted?’ I’m really surprised they didn’t mention this and wonder why they didn’t…?

    Apple Podcasts
    4
    Jane_London
    United Kingdom3 months ago
  • If you want to save for the future, listen to this.

    Pete and Roger explain finances in a simple and comfortable manner. Check out the extensive back catalogue as this is a library of investing advice on specific topics.

    Apple Podcasts
    5
    Kitbag73
    United Kingdom5 months ago
  • One of the best UK finance podcasts

    I wish I’d come across Pete Matthew’s podcast years ago. But it’s never too late and has been incredibly useful for me, nevertheless. The great thing is that it has something for everyone, regardless of their life stage, so I’ve received great advice I could pass on to my 30 something son as well. Pete breaks things into what you need to KNOW and need to DO, so it build your understanding before you take action.

    Pete’s been joined by the lovely Roger Weeks in recent times and Rog just adds a w... more

    Apple Podcasts
    5
    colin_thames
    United Kingdom5 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Shows are praised for clear explanations and practical, actionable tips.
The back catalogue is a valued resource for ongoing financial education and planning.
Hosts' banter and approachable delivery are frequently highlighted as a strength.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

QA50 - Listener Questions, Episode 50
Q: How does taking 25% tax-free cash from a pension as part of a UF plus strategy work in the long term, and can rules change or lifetime limits affect this?
Rules can change, and the lifetime limit for tax-free cash remains a critical factor; once cumulative tax-free cash reaches the lifetime allowance, further tax-free cash would be taxable. Planning should assume some potential changes and prioritize flexibility and diversification across pension and non-pension funds.
QA50 - Listener Questions, Episode 50
Q: What are your thoughts on funding retirement income completely or mostly from dividends and coupon payments rather than capital withdrawal?
Dividends can work for a portion of retirement income, but they are variable and not guaranteed; a blended approach with capital may provide more stability and flexibility, and one should consider the overall portfolio mix and tax efficiency. The key is to ensure the plan remains sustainable and aligned with risk tolerance and needs over time.
QA48 - Listener Questions, Episode 48
Q: Will vs. pension expression of wishes, which wins if there's a conflict from April 2027?
Expression of wishes generally applies to non-binding decisions, while the will governs the estate; trustees may consult the will but the expression of wishes is primary for discretionary decisions, with the caveat that it is not binding.
QA47 - Listener Questions, Episode 47
Q: Tom asks about taking taxable income from a SIPP while leaving the tax-free lump sum for a house move, and whether to crystallize now or later.
They state you cannot take taxable income unless you take some tax-free cash first; discuss varying strategies for timing the tax-free cash and the potential impact on house buying power, ultimately advising careful cash flow planning.
QA47 - Listener Questions, Episode 47
Q: Martin asks about inheritance tax planning and a strategy to gift income to children via ISAs to reduce IHT exposure.
They confirm the effectiveness of gifts from income exemptions, highlight the three conditions (from income, regular, and not affecting standard of living), warn about risks (divorce, bankruptcy, and loss of control), and stress keeping records for executors.

Audience Metrics

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Frequently Asked Questions About This Podcast

What is This Podcast about and what kind of topics does it cover?

A practical UK-focused personal finance show where two experienced hosts illuminate pensions, retirement planning, investments, and tax with clear, actionable steps. Episodes rotate between essential knowledge and concrete actions, often featuring listener questions and real-world scenarios to illustrate cash-flow planning, risk management, and long-term wealth strategies. Notable strengths include a strong ability to translate complex rules into accessible guidance, a practical emphasis on planning tools and models, and a dynamic, approachable host pairing that blends banter with reliable financial reasoning.

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Which podcasts are similar to this podcast?

These podcasts share a similar audience with this podcast:

1. The Money To The Masses Podcast
2. This is Money Podcast
3. Making Money
4. Many Happy Returns
5. AJ Bell Money & Markets

How many episodes of this podcast are there?

this podcast launched 14 years ago and published 591 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on this podcast?

Recent guests on this podcast include:

1. London Mum
2. Andy Hart
3. Dan Haylett
4. Lee Jackson
5. Dr. Daniel Crosby
6. Rob Dix
7. Beth Reeves
8. Alastair Ford

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