{"podcast":{"title":"The Meaningful Money Personal Finance Podcast","slug":"the-meaningful-money-personal-finance-podcast-1082980","podcast_index_feed_id":1082980,"rss_url":"https://meaningfulmoney.libsyn.com/rss","website_url":"https://meaningfulmoney.tv","image_url":"https://static.libsyn.com/p/assets/1/8/5/8/1858b528fa4f1e1327a2322813b393ee/Podcast_Cover_Art_2017_3000px-20241118-ymbm934by9.jpg","author":"Pete Matthew","episode_count":350,"summary":"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","last_synced_at":null,"page_url":"https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980"},"episode":{"title":"QA46 - Listener Questions, Episode 46","slug":"qa46-listener-questions-episode-46","published_at":"2026-04-22T06:00:00+00:00","page_url":"https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/qa46-listener-questions-episode-46","show_page_url":"https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980","url":"https://meaningfulmoney.tv/QA46","audio_url":"https://traffic.libsyn.com/secure/meaningfulmoney/MMP618.mp3?dest-id=119595","summary":"In this Meaningful Money Q&A episode (QA46), Pete Matthew and Roger Weeks answer six listener questions on the financial decisions many UK households are wrestling with right now. We cover bridging the gap to the State Pension with fixed-term annuities, strategies for staying under £100,000 adjusted net income (and avoiding the 60% tax trap), and how LGPS \"CARE\" pensions work including whether salary sacrifice can reduce student loan repayments. There's also practical guidance for self-employed listeners facing a tough year and needing to cut costs, plus how to think about funding private school fees without derailing long-term plans. Finally, we discuss how to decide whether to take the maximum tax-free lump sum from a defined benefit pension, including the trade-offs and how to model the impact. Shownotes: https://meaningfulmoney.tv/QA46 02:18 Question 1 Hi Pete & Roger, I am a long-time fan of your podcasts, and I often sneak off during the day for some peaceful R&R and listen to your latest release or even go back on old shows. My wife and I are in the fortunate position that we have both retired but still have a number of years before the state pension will commence (6 years / 2 years). Our long-term plan was to build up our private pensions so that we would have a comfortable retirement but also be able to leave our two children a reasonable inheritance which has meant we have been reluctant to dip into our DC pensions too early. With the proposed changes to IHT bringing in the unused pension pots on 2nd death into the estate and on current projection we have in excess of £1m in DC pensions which unfortunately are heavily weighted in my favour to 80/20 and we both have a DB scheme each (circa 5K) which have been activated. My questions relate to fixed ter…","meta_description":"In this Meaningful Money Q&A episode (QA46), Pete Matthew and Roger Weeks answer six listener questions on the financial decisions many UK households…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2720,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-meaningful-money-personal-finance-podcast-1082980/episodes/qa46-listener-questions-episode-46/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/qa46-listener-questions-episode-46.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}