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

Life Insurance

Emergency Fund

Defined Benefit Pension

Isas

State Pension

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

2.3k ratings

Publishes	Weekly	Episodes	591	Founded	14 years ago
Number of Listeners		Categories	InvestingBusinessEducation

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Guests Hosts Reviews Charts Talking Points

Latest Episodes

QA58 - Listener Questions, Episode 58

In this Meaningful Money Q&A (Episode 58), Pete Matthew and Roger Weeks answer six real listener questions on the money decisions facing UK savers and investors. We cover paying off your mortgage versus investing, gifting surplus income to manage car... more

12 Aug 2026 • 40 min

QA57 - Listener Questions, Episode 57

In this UK personal finance Q&A, Pete Matthew and Roger Weeks answer listener questions on offshore investment bonds, GIA tax, pensions, retirement drawdown and building financial stability in your twenties. They explain how UK tax can apply to divid... more

5 Aug 2026 • 49 min • Most popular

Your Money & Your Mind - Adam Cockerham

In this episode of the Meaningful Money Podcast, Pete Matthew talks to Chartered financial planner Adam Cockerham about his debut book, Your Money and Your Mind, and the powerful link between our mindset and our money. Adam explains why our financial... more

29 Jul 2026 • 41 min

QA56 - Listener Questions, Episode 56

In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer real listener questions on UK retirement planning, pensions, tax and inheritance tax. They discuss tax planning after the death of a spouse, investment bonds, SIPP drawdown bef... more

22 Jul 2026 • 35 min

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Recent Guests

Adam Cockerham

Chartered Financial Planner, author of Your Money and Your Mind

William Dixon and Associates

Episode: Your Money & Your Mind - Adam Cockerham

Justin Harper

Chief Marketing Officer

LifeSearch

Episode: Life Search: Protection for Middle Age

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

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

Thank you! It makes sense!!!!!!
I have been running my own business for 10 years and have never understood tax, general money management, investment etc. After listening to your podcasts it now makes sense! It’s not that complicated after all!!! Amazing thank you - you have made it all so easy. I will keep listening so I can learn more.
Apple Podcasts
5
Rebecca Scarlett
United Kingdom14 days ago
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 Kingdom3 months 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 Kingdom4 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 Kingdom6 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 Kingdom7 months ago

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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.

Apple Podcasts	#12	United Kingdom/Business/Investing
Apple Podcasts	#43	United Kingdom/Business
Apple Podcasts	#110	United Arab Emirates/Business/Investing
Apple Podcasts	#245	Hong Kong/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

QA57 - Listener Questions, Episode 57

Q: How should someone plan the crystallization for a house purchase when they anticipate needing 150,000 pounds of tax-free cash and 100,000 pounds for an annuity within a year?

crystallize the full pot to access a fixed 25% tax-free amount, then allocate the remainder to drawdown or other needs. If you crystallize in stages, you will reduce the available tax-free cash. If you must buy a house within 12 months, crystallize the required amount upfront (150,000) and then consider purchasing the annuity with the remaining crystallized funds, ensuring you still have sufficient cash to cover the purchase and ongoing income needs.

QA57 - Listener Questions, Episode 57

Q: What is the age and process for accessing a DC pension or SIP under the current rules, and what changes should be considered for someone who turned 55 before the rules changed?

If you turned 55 before the rule changes, you can access draws within a limited 10-week window after your 55th birthday, but you cannot crystallize new money between the change date and January 2030. You should crystallize enough to cover your immediate spending needs during that window and avoid delaying access beyond that period. The Of Plus mechanism lets you take a portion tax-free and the rest as taxable, but you must crystallize first to access any income; phased crystallization or partial tax-free cash without crystallizing all is not allowed.

QA56 - Listener Questions, Episode 56

Q: What are the considerations for IHT planning with fixed protections and potential transfers or withdrawals, and is a life policy in trust a viable strategy?

Fixed protections and their interaction with new contributions depend on when protection was granted; withdrawals above fixed protection aren't taxed differently today, but planning may involve balancing income tax, IHT, and potential legacy goals; life cover in trust can be part of a broader strategy but is not a standalone safeguard against IHT, requiring careful design and professional advice.

QA56 - Listener Questions, Episode 56

Q: How do employee contributions into a DB scheme affect the annual allowance and how should a high earner think about pension inputs when contributing to SIPs?

The pension input amount, not the employee contributions themselves, drives the annual allowance for deciding how much can be contributed; contributions into a DB scheme and SIPs interact via the pension input amount, so you should avoid double-counting employee contributions when calculating remaining allowance.

QA56 - Listener Questions, Episode 56

Q: Does crystallising pension funds for a tax-free lump sum and then drawing £12,570 per year make sense, or should UF Plus withdrawals be used from the start?

In general, only crystallise what you need now to cover immediate needs; if you don't need the tax-free cash upfront, it's better to let the pot grow and use UF Plus to balance withdrawals later, as this preserves more tax-free cash for the long term and avoids unnecessary upfront tax relief changes.

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. Adam Cockerham
2. Justin Harper
3. London Mum
4. Andy Hart
5. Dan Haylett
6. Lee Jackson
7. Dr. Daniel Crosby
8. Rob Dix

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