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Artwork for The Meaningful Money Personal Finance Podcast

The Meaningful Money Personal Finance Podcast

Pete Matthew
Financial Planning
Pensions
Personal Finance
Inheritance Tax
Retirement Planning
Investment Strategies
Financial Advice
Investing
Behavioral Finance
Pension Planning
Capital Gains Tax
Pension Contributions
Estate Planning
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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EducationBusinessInvesting

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Artwork for The Meaningful Money Personal Finance Podcast

Latest Episodes

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

In this UK personal finance Q&A episode, Pete Matthew and Roger Weeks answer six listener questions covering pensions, retirement planning, investing, and mortgages. You will hear practical guidance on topics like using UFPLS and ISAs for gifting, wh... more

In this episode of the Meaningful Money Podcast Q&A, Pete Matthew and Roger Weeks answer six real listener questions on UK personal finance - from inheriting a SIPP (and the under-75 vs over-75 rules), to how inheritance tax could hit a property-heav... more

It's another Q&A show where Roger and Pete answer YOUR questions about such mighty subjects as bridging the gap from retirement to state pension, CGT for non-taxpayers and much more besides!

Shownotes: meaningfulmoney.tv/QA48

02:18 Que... 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 The Meaningful Money Personal Finance Podcast
Roger Weeks
Co-host providing financial commentary

Reviews

4.9 out of 5 stars from 2.3k ratings
  • 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 Kingdom4 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 Kingdom4 months ago
  • Clarity = Understanding

    If your objective is to understand what is happening with your money and how you could better plan your future, then this Podcast series is absolutely for you.

    Clear, simple and engaging. This series is worth every second of your time.

    Apple Podcasts
    5
    GzrD
    United Kingdom7 months ago

Listeners Say

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

- The show is praised for helping everyday people feel more confident about money and retirement planning.
- Listeners appreciate the approachable, non-patronising style and banter between hosts.
- Positive reception for clear, practical financial guidance and back catalogue resources.
- Some criticism around depth on certain topics or occasional rambling in episodes.

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, beginner-friendly personal finance show that breaks topics into two parts: what you need to know and what you should do next. Episodes consistently cover investing, pensions, insurance, and straightforward money management with actionable guidance, clear explanations, and real-world examples. The hosts keep a steady, approachable tone, often balancing rigorous financial concepts with relatable banter, which tends to attract listeners seeking practical, low-friction steps to improve their financial situation. A standout aspect is the emphasis on long-term planning and simple frameworks (such as cash flow ladders and tax-efficient strategies) that listeners can apply regardless of starting point. This makes it particularly useful... more

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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

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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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