# Listener Questions, Episode 33 Page: https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/listener-questions-episode-33 Text version: https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/listener-questions-episode-33.md Podcast: [The Meaningful Money Personal Finance Podcast](https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980) Published: 2025-11-26T02:00:00+00:00 Episode link: https://meaningfulmoney.tv/QA33 Audio file: https://traffic.libsyn.com/secure/meaningfulmoney/QA33.mp3?dest-id=119595 Processing state: not_requested JSON: https://stenobird.com/v1/public/podcasts/the-meaningful-money-personal-finance-podcast-1082980/episodes/listener-questions-episode-33 Duration seconds: 2277 ## Resource Welcome to another show full of questions form you, the audience and hopefully some meaningful questions from Pete & Roger. This week we have questions about paying school fees, becoming a financial adviser, how to invest an inheritance and lots more! Shownotes: https://meaningfulmoney.tv/QA33 01:15 Question 1 Good morning Pete & Roger, Thank you for a great podcast, been really enjoying it over the years and it's been no end of help for me. My question concerns my grandchild. She was born in America but now lives in the UK, is duel nationality. As grandparents we were hoping to put money aside into a savings account for her. Now obviously we thought the JISA but as she is born in America we can't do that. Is there any advice for how we can save for her in the most tax efficient way for her, conscious that she is quite young. If we can put some money away now regularly, it could build up into a nice little nest egg for her. Also hoping to do this for other grandchildren, not necessarily born in America. Any advice gratefully received. Mike. 05:48 Question 2 Hello Pete & Rog Wow these Q&As just keep delivering incredible value -keep up the great work! I'm 52 and my wife is 43. We're both higher-rate taxpayers contributing to a DB-DC hybrid via salary sacrifice. We'd like to retire together in 12 years (me at 64, my wife at 55—she has a protected pension age). We both have a DB pension and a DC pension. Combined we have emergency fund of £30k in Cash ISA, no S&S ISA. Observations: - Once both DB & State Pension are in payment pay, planned spending of £60k p.a. is fully covered. - My ability to draw DC within the basic-rate band post-State Pension is limited, as DB 33k p.a. - My wife has much more scope to use her DC tax-efficiently before her DB/State Pension sta… ## Actions - request_transcript: `POST https://stenobird.com/v1/public/podcasts/the-meaningful-money-personal-finance-podcast-1082980/episodes/listener-questions-episode-33/transcription-requests` — Idempotently request low-priority transcript generation for this episode. - read_markdown: `GET https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/listener-questions-episode-33.md` — Read the agent-friendly Markdown representation of this episode resource. A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed. ## Transcript Full transcripts are not published on public pages unless there is a clear rights basis.