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
May 13, 2026 • 39min
QA49 - Listener Questions, Episode 49
They unpack inheriting a SIPP and how rules differ before and after age 75. They run through rough inheritance tax math for property-heavy estates and practical gifting pitfalls. They discuss handling a large concentrated ESPP holding and whether a longer mortgage term can be safer. They also warn about rising scams, impersonation fraud and practical security measures to protect wealth.
10 snips
May 6, 2026 • 33min
QA48 - Listener Questions, Episode 48
Practical strategies for bridging retirement income and when to tap tax-free pension cash versus ISAs. Clear explanation of capital gains tax rules for someone with no income tax liability. Guidance on asset allocation for secure income and long-term savers. Clarification on pension beneficiary rules versus wills and thoughts on the future of LISA versus pensions.
10 snips
Apr 29, 2026 • 42min
QA47 - Listener Questions, Episode 47
Listeners ask about the changing minimum pension age and whether to prioritise SIPP contributions over ISAs for tax relief. Practical strategies for bridging income before state pension and cashflow laddering are explored. Rules on gifting income to children, keeping records, and quirks around junior-to-adult ISA allowances are discussed.
16 snips
Apr 22, 2026 • 45min
QA46 - Listener Questions, Episode 46
Practical strategies for bridging the gap to State Pension using fixed-term annuities and how to fund them. Tactics to stay under the £100,000 adjusted net income threshold and avoid tax traps. Clear explanation of CARE pensions and whether salary sacrifice affects student loan repayments. Cost-cutting and cashflow steps for self-employed listeners. Ways to fund private school fees without wrecking long-term plans.
5 snips
Apr 15, 2026 • 44min
QA45 - Listener Questions, Episode 45
They tackle a tricky inheritance tax situation when property was bought in children's names and explain gift-with-reservation and tax implications. They discuss pension and ISA rules for someone likely to work outside the UK and residency limits on contributions. They explore LISA rules and whether missed years can be backfilled. They cover strategies for shifting from 100% equities into a retirement allocation and options for income protection.
20 snips
Apr 8, 2026 • 33min
Planning for Pensions and IHT
Major pension rules are changing from April 2027, bringing many unused pensions back into the inheritance tax net. The conversation highlights key exemptions like spousal transfers and charities. They flag risks of double taxation after age 75 and urge reviewing beneficiaries, reconsidering leaving pensions to the end, and using surplus pension income while alive. Practical timing and administration changes are also covered.
13 snips
Apr 1, 2026 • 39min
QA44 - Listener Questions, Episode 44
Listeners get answers about who actually pays inheritance tax and practical ways estates can raise the cash. They unpack a defined benefit pension quirk that can cut benefits before State Pension age. Salary sacrifice timing and reclaiming higher-rate relief are explained. The conversation also covers global tracker concentration, offshore investment bonds versus GIAs, and how IHT tapering uses the nil-rate band.
Mar 25, 2026 • 32min
QA43 - Listener Questions, Episode 43
Step-by-step investing priorities for UK beginners in 2026, including when to build a buffer, tackle expensive debt and use employer pension matching. Clear guidance on choosing between a Stocks and Shares ISA and a pension. Practical warnings about common beginner mistakes to avoid so you can invest calmly and stay the course.
9 snips
Mar 18, 2026 • 31min
QA42 - Listener Questions, Episode 42
They debate whether self-employed savers should base targets on gross or net pay and how to prioritise pension contributions. They unpack inheritance planning and upcoming pension tax rule changes. They clarify how dividends behave inside pension drawdown and SIPPs. They weigh salary sacrifice effects, recycling tax-free cash, and whether to overpay a mortgage or invest in ISAs.
Mar 11, 2026 • 41min
QA41 - Listener Questions, Episode 41
They answer listener questions on UK pensions, tax and retirement planning. Discussions compare SIPP versus Lifetime ISA choices and access rules. There is guidance on junior pensions and balancing contributions. They cover gifting company shares, IHT and CGT implications. They explain UFPLS versus drawdown and practical withdrawal sequencing in retirement.
