Episodios
-
We’re back with another Q&A show, with a bit of a DB Pension tilt this time, though we even get into a question on equity release. We cover lots of ground, as always - hope it’s useful!
Shownotes: https://meaningfulmoney.tv/QA5
00:55 As you made a request for questions I thought I'd pose this (apologies in advance for the length, feel free to trim as required):
I am single, mid-forties, with no dependents (I do have some family I plan to pass wealth on to, but when they need it rather than leaving it in my estate). I'm aiming for the mystical die with zero.
As a home owner, and given I'm not worried about passing it on, would it be a good idea to start drawing on the capital locked up in my home via drawdown equity release (using say home reversion) before the investments in my pension and ISAs given this is the most illiquid and concentrated of my assets?
Downsizing isn't really an option to release capital (it's a two-bed semi so property doesn't get much smaller). That said equity release looks to offer rates well below the market value (apparently they want to make a profit), certainly if you're on the younger end of the eligibility spectrum. It's far from the case of selling 50% of the house and getting that amount, even spread over a number of years.
I could sell the house myself and rent instead, using the released money to pay the rent (and if the money is invested, provided my rent doesn't rise egregiously, it might even stay ahead of that cost). Though there are potential issues with that approach, certainly over the long term.
Are there any other ways to unlock the capital tied up in my property?
Regards, Lee
10:20 Hello Pete and Roger.
I work in public sector and have a decent DB pension, larger part being final salary and lesser part CARE. I will be able to commute up to 25% with a commutation factor of about 24:1. Which will give me about £180,000 depending on when I leave.
Upon retirement I will seek to move most into a 100% equities investment wrapper, I’m fairly happy with proportionate risk, as my DB pension will provide a life long index linked safety net, and I will also build a bit of cash ladder of declining risk.
I have recently watched your ISA v Pension comparison with keen interest. It was fascinating to see that even though a pension is taxed, the tax relief going in, offset the tax going out, and the option of having both works particularly well in terms of tax efficiency and retirement planning.
I had been putting a modest amount into a S&S ISA each month for the last few years, but recently opened a SIPP and am now sending the spare cash that way for the extra tax relief. It’s very satisfying seeing the “free money” coming in each month..
I can potentially retire in 2 years at 55 with an actuarial reduction or continue working until 60, or retire sometime in between. I also have a preserved DB pension that I can take at 60 from a previous employer.
In the mean time I want to keep saving and investing, and will try to ramp it up for next few years.
My question is – It was pretty clear from your numbers that those with a DC pot are best with both ISA & SIPP in terms of tax efficiency and flexibility, but given that my DB pension will use up all my personal tax allowance, does that swing the momentum on where to invest back in favour of an ISA over a SIPP, as other than the 25% tax free element, I would pay basic rate tax on all my SIPP drawdown. I’m sure other people with either a modest DB pension or secondary passive income could find themselves in similar quandary. ( I’m aware all could change after the next budget. ) I live up north, houses are cheap as chips, therefore IHT unlikely to be a major concern in terms of decedents.
Chris
16:47 Loving the sultry combination of the north and south tones! I’ve been listening to the podcast for several years now, and you’ve given me loads of practical tips that I’ve been able to take forward. However, I’ve recently received an ADHD diagnosis, and while I earn a good salary, my impulsivity often leads to overspending, and I’m finding it difficult to maintain control over my finances. I have a monthly planner that I check regularly with the bills, so they are ok, but on spending it is always difficult, and I often dip into credit card usage.
I would really appreciate any advice or practical tips you could offer for someone like me, who struggles with impulsive spending with a disability. Things like “just don’t spend money” just don’t work! Are there any specific strategies, tools, or approaches that can help someone with neurodiversity, particularly ADHD, to manage their money more effectively? Thanks again for the amazing content you put out. Looking forward to any guidance you can provide.
Best regards, Ian
22:53 My question / suggestion relates to listeners with Defined Benefit (DB) pensions.
Although they’re becoming rarer, there is still a sizeable minority of people who have DB pensions. I suspect the majority of them are (or have previously been) employees in the public sector – but they’ll run to quite a high number.
For instance, there are 1.5 million current employees in the NHS, half-a-million Civil Servants, half-a-million teachers, Police, Fire Fighters etc etc. Double that to allow for all the former employees, plus those with DB pensions in the private sector, and you’re talking decent numbers.
I’ve learned a lot over recent years from your Podcast, but there have been a number of occasions where you’ve alluded to the fact that financial planning advice might differ for folk with DB pensions.
One example might be the topic of opening a separate SIPP (in addition to the DB pension) to supplement retirement income (or to fund early retirement) or to move money outside the person’s estate.
Another example might be the balance of ISA versus Pension: with some DB schemes, the benefit of “topping-up” is reduced compared with those in DC pensions. In many cases the employer isn’t adding “free money” to your pot, so for many there may be more reason to lean towards ISA contributions.
Another difference might be the topic of investment risk – if someone with a DB pension has a guaranteed inflation-proof income in retirement, might they be wise to consider higher risk investments? And certainly without the dreaded “profiling”.
Another example (as alluded to earlier) might be in Estate Planning: with a DB pensions, there’s no “pot” of invested money lying outside one’s estate, so there’s no IHT advantage.
I realise this might amount to more than just a 5-minute topic for your Q&A edition, but I think you’d have enough listers to make a whole episode for DB pension recipients. What to you reckon?
Thanks for all the great advice.
Best wishes, Dr Pete29:43 Thank you for all of your support over the years through the podcast and YouTube.
I work for the NHS which is very tough at the moment but it does give me the benefit of a defined benefit pension when I get there. I am 35 years old but am wanting to make sure I am saving enough for retirement but also to make sure that I have enough for my children to support them through university and starting life! My wife is a fantastic stay at home Mum. We are aiming to have the “comfy” level of retirement at £58000 that you have previously mentioned which should give us some capacity to support the children!
I earn £58000 plus about £7000 as a side hustle. I save into my NHS pension, save about 50% of the side hustle income into a SIPP, and save around £400 into a S&S ISA and £200 into cash savings each month.
There are lots of examples about how much you should save but I haven't found anything when you are part of the NHS/other DB pension. Am I saving enough, or too much? I don't want to miss out on life now by over saving!
Thanks, Alex
36:13 Enjoying listening to another excellent podcast where I heard the shout out for questions. One I had is “what’s the best tax efficient way to save for kids futures? I started going down the path of saving into JISA’s, but then didn’t like the idea of being unable to access the money on their behalf, or them to do so before 18. I contribute to premium bonds, but theoretically that will be capped at £50k (here’s hoping!). Any other obvious good suggestions?”
Thanks & keep it up, continue to love the show.
Cheers, Chris
-
Today we’re going to be taking about being financially prepared for life events. This is important because it’s so easy to make progress with your finances, only to have the rug pulled out from under your feet by something unexpected. Or even something that IS expected…
Shownotes: https://meaningfulmoney.tv/YC3
Everything You Need To Know03:00 Life events – like what?
03:55 Marriage
04:43 Having a Child
05:09 Buying a Home
05:24 Career Advancement
06:02 Starting a Business
07:47 Receiving an Inheritance
08:44 Job Loss or Career Change
09:10 Divorce or Separation
10:04 Serious Illness or Disability
10:41 Death of a Family Member
11:36 Caring for Aging Parents
12:25 Children’s Education Costs
12:53 Relocation
13:45 Retirement
14:14 Unexpected Large Expenses
15:15 Being prepared means mastering the 3F’s – Foundation, Forward-looking, Flexibility.
Everything You Need To Do
17:03 Foundation – Emergency fund, workplace benefits and personal insurance.
LifeSearch - affiliate agreement.
28:38 Forward-looking – consider what may happen and what is likely to happen.
43:02 Flexible – keep things flexible so that we can be able to make changes as needed.
51:47 If big events happen – take your time, seek help.
53:35 Podcast Review
-
¿Faltan episodios?
-
In today’s episode, we show you how YOU CAN learn to invest. Honestly, it’s easier than you think!
Shownotes: https://meaningfulmoney.tv/YC2
Everything You Need To Know01:21 What is investing? Swapping your money for assets that grow in value, produce an income, or ideally both.
05:46 Why do people think it’s hard?
08:14 What you really need to know? Asset classes that matter - equities, bonds and property.
Everything You Need To Do29:48 Build a foundation first.
32:58 Start with money you’re probably already investing.
42:27 Open an ISA/LISA/Pension
48:40 Choose a fund - You want a global multi-asset fund.
52:25 Watch and learn - Commit to doing NOTHING for at least a year.
56:02 Don’t…
58:05 Podcast Review
59:20 The Meaningful Money Retirement Guide is due out on 6th May 2025
-
Today we kick off a brand new season designed to empower you to take control of your finances. We’re excited for this one as we hope to show you that you CAN be good with money!
Shownotes: https://meaningfulmoney.tv/YC1
00:01 - Intro
03:27 - Everything You Need To Know
23:29 - Everything You Need To Do
49:08 - A Review From A Listener
-
It’s another Q&A show, and this week we cover managing finances under an LPA, Maternity pay, and what to do with a big windfall, plus lots more besides!
Shownotes: https://meaningfulmoney.tv/QA4
00:58 Big fan of the show. Really appreciate your work.
Dad is 92 with rapidly declining health (Dementia and mobility issues). He is still living at home with Mum (80) who is caring for him with family help. At the moment, it is about manageable.
I am managing their finances. We have moved the majority of savings into my mum's accounts. I have used up mum's entire ISA allowance for this year. There is still around £38k of savings sitting in a no interest paying Barclays account.
Due to their ages, I do not want to tie up the cash for too long, though at this point in time, they do not need to use this money as they are still able to live off my Dad's pension.Can you suggest how I might manage this chunk of cash? Possibly a simple savings account, but I am aware that the interest rates are not exactly brilliant, and I wonder about moving into a GIA instead (I have moderate experience buying/selling shares in my own SIPP and ISA, though I am personally high on the risk curve with investments heavily in MSTR and TSLA).
Any advice would be appreciated.
Cheers, Rich05:08 Love the podcast (obviously!), it’s genuinely very helpful and has really helped me get my stuff together!!!
Not sure if this is something you’d know about but, do you think you would be able to explain to me in your very listenable way, how to work out maternity pay, as in how it’s actually calculated and how to plan to make up the difference etc plus anything else that might be helpful that I don’t even know that I don’t know!! I can’t really find what I’m looking for anywhere else so just thought I’d ask as I find your explanations of things easy to understand (and could listen to you chat about anything tbh)!!
Thank you! Jess12:16 Thanks so much for your brilliant podcasts. I love the idea of the question and answer ones!
I have a fun question I have been meaning to ask for ages. I keep my contingency fund in premium bonds, and I periodically enjoy a thought experiment, around what I would do if I were to win the big prize of £1 million. (I fully realise this will never happen, but it is a helpful thought experiment to get me thinking about where my priorities lie in case I do receive a much smaller lump sum in the future).
I have no bad debts, I have a contingency pot and I contribute to a pension and ISA.
My hypothesis is that I would give some to charity (maybe 10%?), might retain 5% for fun – a nice holiday or an upgrade to my car, would max out my ISA and pension, and then would split the rest between a world index tracker and one or two investment properties. I’m curious to hear your thoughts on this and how you would allocate.
Thanks! Justyn17:52 The mantra is that the most important time to take advice is when nearing retirement. That's certainly true for us now, and my other half sought some regulated advice recently in respect to tax free cash and pension recycling rules. The advice was provided (that it was not tax free cash recycling) & so we are continuing with the plan as discussed / agreed with the regulated IFA that we contracted the discussion with (we checked the company and the individuals credentials out on the FSA website .. All good).
The question is (call me paranoid, but quite a lot of money – for us, is involved) what happens if in due course HMRC come to us and effectively look to impose penalties for us acting in accordance with the regulated advice provided / paid for (ie, they dont agree with it / decide it has broken the recycling rules)?
I have no (sane) reason to suggest this will happen, but paranoia is a terrible thing!!
Keep up the good work (oh, and Roger as well)
Regards, Kevin Milsom23:02 With UK inflation now only 1.7% (from 16 Oct 24), are we in a very unusual phase were inflation is less than half of the rate you can easily get on savings?
This leads onto thinking about investing versus savings – we all invest to try and beat inflation, but we can currently do this easily with no risks via savings accounts.
It is a conversation my wife and I are having at the moment!
She is ‘saver' and I am an ‘investor'.
Of course we have a good mix of both from all the guidance you have provided. Cheers. Dave Hicklin27:40 Hello gents!
Big fan of the podcast and the YouTube channel. Thanks for everything you do!Question for you – which I realise is pretty niche so you may not want to cover it.
I am in the fortunate position of reaching max pension taper threshold (due to a great salary, some even greater RSU awards and an increasing company share-price!).
I have some pension contribution carry-forward but will have used this all up by FY26.
My employer do a 7% pension contribution if employee contributes 4%.
But for those reaching taper threshold, you can opt out and the company will instead just give the 7% on top of your salary (which is very generous!).Thinking ahead, my question is:
– Would it be better to:
a) take the combined 11% contribution and opt for a scheme-pays for the tax above the £10k allowance when time comes. I am thinking this way I still get a years worth of investment of the pre-tax money before the tax is paid – which might be beneficial? or
b) opt out and take the post-tax increase in salary and put this somewhere else? My wife's and mine ISAs will be maxed already, so would have to be GIA most likely (or premium bonds!?).I'm thinking A makes most sense. I still get the £10k tax free and benefit from some further untaxed money working for me for a little while at least. The tax has to be paid either way, but I am delaying it till later.
What do you both think?
Thanks very much! Paul -
Good to be back with another Q&A show to kick off the new year. This week we cover, ETFs, Pension contributions for high earners, tax relief for non-earners and lots more besides.
Shownotes: https://meaningfulmoney.tv/QA3
02:21 First of all I have to thank you for the many years of enlightening listening that I have enjoyed. I thought it was excellent when Pete created the content, however it only improved with the addition of Rog. Yours is by far the best personal finance podcast that I listen to, and long may it continue. My question revolves around index funds & ETF’s. Many of the American podcasts cite the advantages of ETF’s over traditional index funds (unit trusts) however from what I understand this is due to tax considerations which apply in the US & not here. Please could you confirm if this is the case. I use a Vanguard index fund (unit trust) and wish to continue doing so, however am I missing out on not using ETF’s? Thanks again for all that you do for us, your listeners. Best wishes, Steve Horton
07:32 Love the podcast! I’m trying to understand what I can pay into my workplace pension. I’m close to £180k on my P60 & have no other income. My firm pay 6% into my pension, I then pay 6% which they also match. In addition I contribute another 2% so 20% in total, approx. £27k for a Pension Input Period. Feels like I have a relatively simple setup but I’m worried about breaching any limits around the £60k. Do I really need advice as I feel like I should be able to work this out myself! Thanks Steve D
11:26 I am 38 and 4 years ago came into a large sum of money (£600k). My wife and I were in decent shape with a manageable mortgage, life/CI insurance, decent pension balances. I opted to not employ a financial advisor, mainly because I was wary of fees. I am now questioning my decision. I have slowly been putting the money into my SIPP and ISA, keeping the rest in a GIA (invested in global index - Vanguard), paying the tax on dividends and, with time, capital gains. Also been using my wife's allowances. My question is this, was I silly to not employ a FA? Would there have been an obvious non-risky way of protecting the GIA balance from the tax-man, which would have paid for the FA many times over? We’re still saving into the GIA with regular monthly direct debits, although modest amounts. Love your podcast/YouTube output, which I feel have made me a better citizen - more relaxed because I am sure that my finances are unlikely to have any nasty surprises! Keep up the good work. Stuart
16:32 I've been listening to your great podcast for years and have a simply question for you both. If I am retired with no earnings and taking money from my drawdown pot, can I still contribute £2880 into a pension and get the £720 tax relief off the government? Can I do this even if I might not even be paying tax? Nigel
19:33 I’m 57, self employed (so no employer contribution for me!) and have a SIPP and Stocks and shares ISA. Basic rate taxpayer. I plan to start drawing from these in a few years time. I’m wondering ( as there aren’t going to be many years for the compounding ) whether it’s still worth adding to my SIPP? I’ll get the tax uplift if I put money into my SIPP but then 3/4 will then become taxable but I don’t think there will be enough time to make a gain large enough to offset the tax I will then pay. Should I just bung everything into my ISA? Have I missed something? Thanks very much if you’re able to answer my question! Best LC
25:23 I made a mistake when starting my investment journey by choosing platform recommended funds which are currently not performing well. I have had them for 3 years, is it best to cut my losses and invest in to my choice of global multi asset fund which I've had for 2 years that has been performing well? Thanks, Marc
30:08 Matthew asks: 1. My wife and I are selling both our homes (bought before together) and moving into a rental for 1-2years in a new area before we buy. We will have £500k in cash for 1-2years. Are we best investing in government bonds? Premium bonds? High interest savings accounts? We’re both top rate tax payers and have no other assets. 2. My NHS salary will soon go over £100k and we are starting a family. You speak a lot about overpaying pension for tax reasons and it also helps keep the £20k childcare allowance. I don’t think I can overpay an NHS pension, or can I? Others seem to be getting cars on lease to avoid it. Any ideas?
-
Today we’re going to look at combining or consolidating pensions - a big subject which we’ll try to do some justice…
Shownotes: https://meaningfulmoney.tv/HB10
What You Need To Know
02:15 Why transfer?
04:47 How the process works.
07:47 Things to watch out for.
14:39 About Defined Benefit transfers.
Everything You Need To Do
26:44 Get up to date with your existing plans.
Pension Transfer Checklist (PDF)
28:27 Decide if there’s any reason to leave the pension where it is.
29:44 Request the transfer.
31:07 Chase to completion.
35:07 Podcast Review.
-
In this episode, we want to look at the financial advice process, and give you the helpful basics that you need to think about if you are considering getting professional financial advice.
Shownotes: https://meaningfulmoney.tv/HB9
What You Need To Know
02:24 Advice vs planning - Advice is product-led, Planning is outcome-led.
08:11 The Financial Planning process.
08:50 Establish and define the relationship.
11:50 Collect client information to have context for advice.
15:04 Analyse and assess the current position.
16:45 Develop the plan and make recommendations.
22:32 Implementation.
23:33 Ongoing review.
28:05 Costs and value.
35:00 Qualifications and designations.
What You Need To Know
39:03 Begin with the end in mind.
41:30 Contact several advisers.
45:47 Get costs and scope in writing.
48:25 Be prepared to be vulnerable.
53:50 Podcast Review
-
It's time for another listener Q&A! This time we cover paying off student loans, old pensions, alternative to pensions and ISAs and much more.
Shownotes: https://meaningfulmoney.tv/QA2
00:40 Sophie - My question is that I am about to start earning a lot more than I thought I was as a graduate. I have always been told to ignore my student loans by my parents as it's essentially a tax, but looking at some calculators I would pay it all off in 25 years before it gets cleared and pay more than double the £45,600 in interest. I'm thinking of trying to overpay it off more quickly than that as it seems very big to have especially with 7.3% interest rate. I'm not sure if I should prioritize this, as I could start now, but as I'm starting work I'm still very uncertain of what to save and how I should treat this debt. Or should I not worry about it this early on?
06:55 Ellie - My partner recently traced a pension from an old employer. When he contacted the company they told him the pension was all paid out to him when he left the company, 9 years ago. He was 28 at the time. Is that possible? I believed it wasn't possible to access pensions until 10 years before state pension age. The exceptions I'm aware of (certain types of job/illness) aren't relevant here. I can't believe this pension would have had particularly special properties. It was while he was working for Experian. He doesn't remember receiving a lump sum, and is checking with his bank (it's too far back to see online). Did the person he spoke to just make a mistake? He is reluctant to go back to them without anything concrete, and it is hard to trust what they say. Any advice on what to do next?
12:15 Joanne - I am a higher rate tax payer and contribute to a SIPP on top of my employer pension (very generous DB scheme) to keep my earnings underneath £100k so that I can benefit from free childcare hours and about the 60% tax trap bracket between £100-£125k. However, I am now breaching the annual £60k pension allowance and so end up paying significant tax on the additional pension contributions in my self assessment. I am so aware that this is a privileged position to be in and want to contribute my fair share of tax but I wondered what other channels I should be exploring to be as tax efficient as possible please (I have never dabbled in VCTs!)
18:44 James - How do I weigh up the relative value of AVC on my DB pension rather than investing in a LISA or S&S ISA where I retain my capital?
22:25 Giles - I have fallen into the 60% tax trap on a number of occasions, to mitigate this I have tried to top up my pension to get my earnings below 100k to reduce my tax bill. Being the main earner and with 2 very expensive teenagers I don’t have enough spare cash to do this easily so have taken the money out of a S+S ISA in the past. I know this shifts the balance of my assets massively into pensions but it seems worth it to reduce tax. My question being is this a reasonable plan? Is it a good idea to do this or am I better keeping retirement options more flexible with a larger ISA pot?
-
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/HB7Everything 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 Do20:37 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/HB4Everything 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 - Mostrar más
