Today we’re going to focus on a subject that we often allude to, but which we want to take a bit further and deeper. We’re always talking about the need to be intentional, but what does that actually mean, in practice? Shownotes: https://meaningfulmoney.tv/HB8 Everything you need to Know 02:03 The definition of being intentional . 02:59 About goals . 06:48 Consistency . Everything you need to Do 07:50 The Two Spheres . 08:58 Be intentional with our personal finances . 18:38 Be intentional with our investments . 37:37 Rinse and repeat. 38:49 Podcast review. Meaningful Academy Financial Foundations  https://meaningfulacademy.com/financialfoundations 

In today’s episode of our Helpful Basics season, we’re going to be talking about Pensions and ISA, explaining how they work, comparing them and helping you to know which ones to use and when. Shownotes: https://meaningfulmoney.tv/HB7 Everything you need to Know 02:07 Paying money IN. 13:50 Taking money OUT. 22:40 What happens when you die. Everything you need to Do 33:07 Join your employer's pension, or stay in it, or open one if self employed. 36:50 Use ISAs for medium term savings. 38:17 Use LISAs for first-time house purchase or to supplement retirement savings. 40:17 Blend 41:15 Be intentional, review regularly. 43:56 Podcast review.

Today we’re going to be covering Helpful Basics in the area of self employment and side hustles. We’ll be talking about what you need to know and what you need to do if you’re planning on going it alone in business or supplementing your income in some way… Shownotes: https://meaningfulmoney.tv/HB6 What You Need To Know 01:55 What is self-employment? 04:08 What is a side-hustle? 09:18 How tax works as a self-employed person.   Everything You Need To Do 20:37 Start as you mean to go on. 26:44 Register for self employment. 29:22 Start a pension. 31:07 Think about insurance. 34:03 Plan for the future. 39:25 E-myth Revisited book.   40:40 Review of the podcast

We have a slightly different episode because today I am speaking with the good people from a company called CheckMyFile all about credit files and credit scores - why they are important and how we can optimise them to our benefit. CheckMyFile: https://meaningfulmoney.tv/checkmyfile Shownotes: https://meaningfulmoney.tv/HB5 01:33 - Pete chats with Beth. 04:15 - What is a credit record / credit report / credit score 06:50 - Purpose of a credit record. 08:52 - What makes a good / bad credit file 12:00 - Credit card to increase your score before buying a house - is that true? 13:26 - Important to be on Electoral Role. 14:28 - Bad debts, using debt responsibly. 18:15 - What can be done to improve your credit score? 21:24 - Credit is attached to person, not address. Financially linked people. 23:40 - Check your credit file. 26:35 - Is there a business equivalent? 27:43 - What is CheckMyFile and why should people use it. 32:00 - Pete and Roger chat and a podcast review.

In this episode we want to cover the helpful basics of a subject that underpins EVERYTHING to do with personal financial success - behaviour. Shownotes: https://meaningfulmoney.tv/HB4 Everything You Need To Know 02:06 We are really bad at making good decisions. 07:18 Many things are objective. 13:40 Our higher functions allow us to pre-think decisions. 15:56 Our goal is to be intentional. Everything Your Need To Do 19:05 Know yourself. 27:35 Set clear goals to keep you on the path. 32:33 Use all the tools at your disposal. 42:55 Pursue higher thinking. 52:40 This week’s reviews

It’s our first dedicated Q&A show! Roger and Pete answer six great questions from YOU - the listening audience. Shownotes: https://meaningfulmoney.tv/QA1 

In this episode we’re going to do our best to give a decent run down of the State Pension - something that will form the backbone of most people’s retirement income. We need to understand how it works, how to check what we’re due and how to maximise it. Shownotes: https://meaningfulmoney.tv/HB3 

Today in our Helpful Basics season, we’re going to talk about choosing your first investment. Lots to cover, but should be fun! Shownotes: https://meaningfulmoney.tv/HB2 

This new season is called Helpful Basics. Each week, Roger and Pete will pick a subject each week which might seem like a fundamental or basic subject, but we’ll try to go pretty deep so that everyone learns something. For the first episode of the Helpful Basics season, we’re going to cover what you need to know when you first start working. Shownotes: https://meaningfulmoney.tv/HB1 

Today I’m chatting with my friend Alastair Ford about a project we’ve been working on together, but also about our rationale for it and why we think it’s a timely addition to the Meaningful family of services.   Meaningful Coaching: https://meaningfulcoaching.co.uk  Shownotes: https://meaningfulmoney.tv/session545 

Today I’m joined by my friend Dave Algeo a mid-life health coach to talk about the link between health and wealth and lots more besides. Shownotes: https://meaningfulmoney.tv/session544 Dave’s Daily Sprout email: https://midlifereshape.com/MM24

Today we want to talk about the last Big Mistake, one which we come across all the time with our older clients, and that is worrying about care fees. This is an important one that we want to cover to give you some reassurance. Shownotes: https://meaningfulmoney.tv/BM10 

Today, in the penultimate episode of this series, we’re talking about the Big Mistake of Not Spending Enough, which might surprise some people! Shownotes: https://meaningfulmoney.tv/BM9  

We’re on the home straight of a season covering the big mistakes we can all make with our finances, and today we’re talking about neglecting our financial reviews. It’s easy to put things off, but keeping a regular eye on our financial situation is so, SO important. We’re going to talk about why that’s the case and how to make it as easy as possible to make sure they happen every time. Shownotes: https://meaningfulmoney.tv/BM8 

Today we’re going to be talking about the big mistake of waiting until… Until what? Well, we mean putting off making decisions until some arbitrary point the future, or until some self-determined set of circumstances come to pass - all will become clear, we hope!   Shownotes: https://meaningfulmoney.tv/BM7 

Today we revisit the vitally important subject of what the experts call behavioural finance or behavioural economics, which is really the study of how we interact, as emotional human beings, with the cold, hard world of finances. Shownotes: https://meaningfulmoney.tv/BM6 

We’re carrying on our season of Big Mistakes and today we’re covering the mistake of not planning for later life, which is truly a big mistake. There’s lots to think about in later life and too many people leave it too late, causing problems for themselves and their loved ones. Shownotes: https://meaningfulmoney.tv/BM5 

Today we’re going to look at the big mistake of Being Too Cautious, or to put it another way, taking too little risk. Obviously we’re talking primarily about investing here, and we want to talk about why risk is your friend and the impact of taking too little risk on your future outcomes. Should be an interesting discussion!   Shownotes: https://meaningfulmoney.tv/BM4 

We bang on about watching our investing costs all the time. And for good reason - not paying heed to the impact of costs can mean throwing away money unnecessarily.   Shownotes: https://meaningfulmoney.tv/BM3 

Today we’re going to talk our second big mistake: starting late. Of course this may not be a mistake, it may be the result of circumstance, and as we all know, life doesn’t always conform to the perfection we’d perhaps wish for ourselves. Shownotes: https://meaningfulmoney.tv/BM2

In this new season covering some big mistakes that any of us can make with our finances, we start with the mistake of listening to the wrong people. But how can we determine who the wrong people might be? Show Notes: https://meaningfulmoney.tv/BM1

Today I am joined by repeat guest and financial planning legend, Chris Budd. He has a new book called the Four Cornerstones of Financial Wellbeing and it’s a very helpful read for anyone struggling to keep money in its place, or with the effects that money can have on our mental health.   Shownotes: https://meaningfulmoney.tv/session533 

Today we’re rounding off Season 27 by covering the last of our big ideas - and it’s one of the raisons d’etre of Meaningful Money, that most people don’t need advice. Shownotes: https://meaningfulmoney.tv/BI10 

Today we’re covering the ideal order of financial priorities, something Pete and Rog learned early on in their financial planning training. The order was summarised by the acronym PIPSIO Protection Income Protection Pensions Savings Investments Other PIPSIO is nothing more than a useful mnemonic, but it really does serve a purpose. I still remind the advisers at Jacksons of it now and again. Shownotes: https://meaningfulmoney.tv/BI9

Today we’re covering a classic piece of financial advice - definitely a Big Idea of investing: Time IN the market, not timing the market! Shownotes: https://meaningfulmoney.tv/BI8  

Planning is - or should be - the framework for all financial decisions, but it is misunderstood by many. Hopefully this episode will explain a little about what planning is, how it works and how to go about it. Shownotes: https://meaningfulmoney.tv/BI7 

Today we’re going to be talking about the importance of prioritising today in your finances. That might sound counterintuitive to some, but we’ll put some nuance on it and try and give you some practical things you can do when faced with the dilemma of whether to use your money today or put it away for the future. Show notes: https://meaningfulmoney.tv/BI6 

Today we’re talking about Behaviour and why really, it’s ALL about that when it comes to being financially successful. Show notes: https://meaningfulmoney.tv/BI5 

We’re continuing our Big Ideas season, talking about the overarching concepts that govern our understanding of money and how to use it. Today’s subject is: Looking after Number 1. Shownotes: https://meaningfulmoney.tv/BI4 

This week’s Big Idea is Simplicity - it’s so important to keep your finances as simple as possible for the reasons that we’ll cover today! Shownotes: https://meaningfulmoney.tv/BI3 

Today we’re going to look at arguably the biggest of big ideas - the magic of compounding. Einstein said: “Compound interest is the eight wonder of the world. He who understands it, earns it; he who doesn’t pays it” - We reckon that makes it an important subject! Shownotes: https://meaningfulmoney.tv/BI2

Today we kick off a new season which we’re calling Big Ideas. The thinking is that we’ll deal with some of the big, overarching principles of personal finance, and show you how to put them into practice. Shownotes: https://meaningfulmoney.tv/2024/01/24/big-ideas-businesses-and-bricks/

The Simple Path to Wealth is the most distilled, purest book on wealth-building I’ve found and I still recommend it all the time. Now the author, JL Collins, has followed up with a new book called Pathfinders, which is full of stories of how people have taken the teaching in the Simple Path, and applied it to their lives. Shownotes: https://meaningfulmoney.tv/session522 

Today, we’re talking about Financial Planning Priorities and recounting some examples where we have made sure that people got things in the right order…   Show Notes: https://meaningfulmoney.tv/RS10 

Today we’re going to talk about Equity Release, and contentious subject for some but a useful tool in financial planning for older folks who are asset-rich, but cash-poor. We’ll recount a couple of real stories from our own experience as advisers and then go over what you need to know and do about using Equity Release for your own financial planning or for your older family members, perhaps.   Shownotes: https://meaningfulmoney.tv/RS9 

Today we’re going to consider the Shape of Retirement and how it doesn’t have to be the traditional work-for-40-years-then stop model that has been the norm for most of the last century. We have some simple examples of how clients have done that and also some salutary warnings. Show Notes: https://meaningfulmoney.tv/RS8

Today we’re going to look at some real stories around pension planning, but not your usual run-of-the-mill pension planning! We’re going to look at SIPPs and SSASs and how we’ve used them to move our clients’ financial plans forward.   Shownotes: https://meaningfulmoney.tv/RS7 

Today we’re going to be talking about preparing for death, which doesn’t have to be as morbid as it sounds! But we have to face it, and preparing well for the day we shuffle off this mortal coil is an important part of being intentional about our finances. Shownotes: https://meaningfulmoney.tv/RS6

Today we’re going to look at some work that we’ve done for clients in the area of estate and inheritance tax planning, and draw some lessons that might be useful for you in the same area. Show notes: https://meaningfulmoney.tv/RS5  

Today we’re continuing in our Real Stories season and we’re going to talk about Protection - talking about the life insurance, critical illness cover and income protection that underpins any financial plan.   Shownotes: https://meaningfulmoney.tv/RS4 

Today we’re going to be asking the question How much is enough? And we’ll go over some real stories of when we’ve helped clients answer that question. Show Notes: https://meaningfulmoney.tv/RS3 Retirement Investing Cheatsheet: https://meaningfulmoney.tv/retirementinvesting 

This week we want to look at one Real Story of a planning journey with a client that has seen some highs and lows. It’ll demonstrate the power of a relationship with a trusted financial planner, and also what can go wrong when someone tries to get too clever. Shownotes: https://meaningfulmoney.tv/RS2 Investment Cheatsheet: https://meaningfulmoney.tv/investment

Today we begin a new season which will be a bit different, because we’re going to cover some real stories from our years in the financial advice profession. The idea is that the first part of each episode will be going over one or more examples of real client situations and in a particular area of financial planning - all anonymised of course - and from those we can draw some lessons and other salient points for your information and action.   Shownotes: https://meaningfulmoney.tv/RS1 

Today I’m chatting with Dave O’Sullivan, a listener who got in touch wanting to share his decades of knowledge of and experience in the car trade. We’re going to discuss some key points about buying a car - one of the biggest purchases most of us ever make.   Shownotes: https://meaningfulmoney.tv/session511 Car Buyer's Guide: https://meaningfulmoney.tv/wp-content/uploads/2023/09/Used-Car-Buyers-Guide-2023.pdf 

Today I’m chatting with a colleague, a fellow financial planner, Alasdair Walker. It’s a conversation between fellow nerds really, specifically about Alasdair’s involvement with the UKPF Reddit community. Shownotes: https://meaningfulmoney.tv/session510 

Welcome to another Inbetweenisode where my guest is a senior member of the team at LifeSearch - Alan Richardson. This will be super-useful episode for anyone who has a business of any kind.   Shownotes: https://meaningfulmoney.tv/session509 

Today I’m bringing you a conversation I had with my friend Justin King for his podcast, which is called the Retirement Cafe podcast. Many of you will doubtless listen to that show as well as this one, and if you don’t you definitely should, especially if you’re heading towards retirement. Justin asked me to interview him on his show about his book which was released on 12th September - the Retirement Cafe Handbook. I’ve read a pre-release copy and I’m not exaggerating when I say that it was an outstanding read.   Shownotes: https://meaningfulmoney.tv/session508 

In this final episode of Season 25, Roger and Pete answer some representative questions sent to us as the season has gone on.   Shownotes: https://meaningfulmoney.tv/OS15