# QA48 - Listener Questions, Episode 48 Page: https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/qa48-listener-questions-episode-48 Text version: https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/qa48-listener-questions-episode-48.md Podcast: [The Meaningful Money Personal Finance Podcast](https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980) Published: 2026-05-06T06:00:00+00:00 Episode link: https://meaningfulmoney.tv/QA48 Audio file: https://traffic.libsyn.com/secure/meaningfulmoney/MMP620.mp3?dest-id=119595 Processing state: not_requested JSON: https://stenobird.com/v1/public/podcasts/the-meaningful-money-personal-finance-podcast-1082980/episodes/qa48-listener-questions-episode-48 Duration seconds: 1974 ## Resource 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: https://meaningfulmoney.tv/QA48 02:18 Question 1 Hello Pete and Roger, wonderful podcast and I'll try and acceed to your short question desire. And I'll try not to use the word should. I am 52 and my wife and I would like to retire at 60. I have a DB pension that should pay me £20k per year from 65. I would like to live off £50k per year and currently have £220k in a DC pension. That will hopefully get to £500k by age of 60. Equally I am hoping to have £100k in a S&S ISA and hoping to have the first year of retirement spending in cash. My question is around my bridging requirements before my DB pension and state pensions kick in (my wife is 46). Am I better off pulling 25% of DC tax free at the age of 60 and putting that into ISA's or is it better to just pull pension money per year with and ongoing 25% tax free Allowance and using the smaller ISA amount to minimise tax. Just interested in your thoughts :-) Thanks and please keep up the great work. Kind regards, Adrian 06:38 Question 2 Hi Pete & Roger A few months ago a friend recommended your podcast and I've been devouring it ever since! Having worked in Compensation & Benefits for the past 15 years, and spending much of my time these days in the design and operation of pension plans, I thought I had a pretty good grasp on such things. But I've already learned a few tips and tricks to help as I plan my retirement, so huge thanks to you both! My question for you is about CGT liabilities when one is a non-tax payer. My son is in the fortunate position of having a healthy savings pot in a GIA, thanks to gifts/inhe… ## Actions - request_transcript: `POST https://stenobird.com/v1/public/podcasts/the-meaningful-money-personal-finance-podcast-1082980/episodes/qa48-listener-questions-episode-48/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/qa48-listener-questions-episode-48.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.