# Listener Questions, Episode 37 Page: https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/listener-questions-episode-37 Text version: https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/listener-questions-episode-37.md Podcast: [The Meaningful Money Personal Finance Podcast](https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980) Published: 2026-01-07T02:00:00+00:00 Episode link: https://meaningfulmoney.tv/QA37 Audio file: https://traffic.libsyn.com/secure/meaningfulmoney/QA37.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-37 Duration seconds: 2698 ## Resource Welcome to the first podcast of 2026 where Roger and Pete answer more of your varied and interesting questions, covering everything from what to do when you've maxed out your pension and ISA, to whether you should borrow on your mortgage to invest! Shownotes: https://meaningfulmoney.tv/QA37 01:30 Question 1 Hello to Roger and his trusty sidekick Pete, Only kidding Pete, but it will make Roger feel good briefly. I must credit the pair of you for your continued dedication and commitment to educating the wider population on all things financial. I have gone from strength to strength in planning my retirement with the guidance and abundance of free information you have provided, the books you have written Pete, as well as signing up to the Meaningful Academy Retirement Planning and now planning to retire several years earlier than originally intended. Using the information provided and learnt, I have got my finances in order but more importantly, that decision is to align my future life (and that of my wife) to the finances we need and when our needs are likely to be met, hence the realisation retirement is not as far away as we had originally perceived, so I really appreciate what you have done for me and my family. My question maybe very simple, but it was sparked during a previous Q&A session Listener Question – episode 20 - 30th July – Question 2 – The question surrounded company Shares. I am employed by BAE and I purchase company shares each month, partially as a sensible Tax saving being a higher rate tax payer (purchase them pre Tax) but also for the first £75 worth each month I buy each month, the company will match, so effectively £150 worth of shares which technically costs less than £50 in real money each month. Now whilst I do sell some shares along the way… ## Actions - request_transcript: `POST https://stenobird.com/v1/public/podcasts/the-meaningful-money-personal-finance-podcast-1082980/episodes/listener-questions-episode-37/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-37.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.