The Retirement You Didn’t See Coming, with Dan Haylett
The Meaningful Money Personal Finance Podcast
Release Date: 11/19/2025
QA48 - Listener Questions, Episode 48
The Meaningful Money Personal Finance Podcast
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: 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...
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QA47 - Listener Questions, Episode 47
The Meaningful Money Personal Finance Podcast
Time for another Q&A episode where Roger & Pete answer questions on retirement planning, passing assets to children. SIPP vs ISA and much more! Shownotes: 01:42 Question 1 Hi Pete, Roger, and Nick, Thank you for the podcast - I've been listening for a while but fell behind and just binged about 15 Q&A episodes over the last fortnight! There's nothing like listening to the podcast to get me fired up about my finances! I have a question about the upcoming change to minimum retirement age, and a question about how to use my SIPP versus S&S ISA post-55/57. I was...
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QA46 - Listener Questions, Episode 46
The Meaningful Money Personal Finance Podcast
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...
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QA45 - Listener Questions, Episode 45
The Meaningful Money Personal Finance Podcast
In this episode of the MeaningfulMoney Q&A, Pete and Roger answer six listener questions covering a wide range of personal finance topics. We tackle a tricky inheritance tax situation involving a property bought in children's names, look at pension and ISA options for a daughter likely to spend her career working outside the UK, and offer some perspective on balancing financial sensibility with life's genuine passions. We also cover whether a minimal LISA contribution strategy actually works, how to manage the transition from 100% equities to a retirement asset allocation in the years...
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Planning for Pensions and IHT
The Meaningful Money Personal Finance Podcast
From April 2027, many unused pension funds are set to be brought into the IHT net, changing how pensions work for legacy planning. Pete and Roger explain what’s changing, what still remains exempt, where “double tax” can arise, and the practical steps to consider now — without rushing into knee-jerk decisions. 01:55 KNOW - Pensions no longer outside of estate 09:49 KNOW - Some important exemptions still remain 10:32 KNOW - In some cases there could be TWO taxes 14:15 KNOW - The administration will also change 16:58 KNOW Summary 17:15 DO - Rethink the old “leave the pension last”...
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QA44 - Listener Questions, Episode 44
The Meaningful Money Personal Finance Podcast
In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer six listener questions on UK personal finance, pensions and investing. We cover inheritance tax (IHT) and who actually pays it, a defined benefit pension “state pension deduction” before State Pension age, and whether salary sacrifice affects higher-rate tax relief. We also discuss whether global tracker funds are too concentrated in the US, how offshore investment bonds compare to a general investment account (GIA), and how IHT taper relief works for gifts and the nil-rate band. Shownotes: 03:40...
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QA43 - Listener Questions, Episode 43
The Meaningful Money Personal Finance Podcast
If you’re a UK beginner and you’re not sure where to start investing in 2026, Pete and Roger talk you through a calm, step-by-step investing order to follow. They cover when to build a buffer, tackle expensive debt and use employer pension matching, plus how to choose between a Stocks and Shares ISA and a pension. You’ll also hear the key beginner mistakes to avoid so you can invest with confidence and stay the course. Shownotes: 02:00 Question 1 Hi Pete and Roger I’m late to investing but thanks to your informative and entertaining podcasts and books - I feel on track...
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QA42 - Listener Questions, Episode 42
The Meaningful Money Personal Finance Podcast
Pete Matthew and Roger Weeks cover self-employed saving rates, inheritance tax and estate planning, and how dividends are treated inside pension drawdown (including SIPPs). They also discuss salary sacrifice and contribution limits, the pros and cons of recycling tax-free cash, and whether to overpay your mortgage or invest via a Stocks & Shares ISA. Shownotes: 01:07 Question 1 Hi Pete and Roger, Thank you for your amazing podcast! My question is about budgeting & savings percentages: Should you aim for a % of your gross pay or your net pay when it comes to aiming for a...
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QA41 - Listener Questions, Episode 41
The Meaningful Money Personal Finance Podcast
In this Meaningful Money Q&A, Pete Matthew and Roger Weeks answer listener questions on UK personal finance, focusing on pensions, tax, and planning ahead. Topics include SIPP vs Lifetime ISA, retirement drawdown and which accounts to spend from first, Junior SIPPs, gifting company shares (IHT and CGT), and UFPLS vs drawdown. Shownotes: 01:47 Question 1 Hello Pete, Roger and team. I'd first like to say thank you for all the wonderful information you provide, it has been a great aid for increasing my financial intelligence and helping me secure my family’s...
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No Bullsh*t Money with Andy Hart
The Meaningful Money Personal Finance Podcast
Pete is joined by Andy Hart to cut through the noise and talk about Andy’s new book No Bullsh*t Money Advice, sharing straight-talking, practical personal finance insights for UK savers and investors. Shownotes: Book: Ebook: Podcast: Website:
info_outlineThis week I enjoy a brilliant conversation with Dan Haylett, a fellow financial planner and podcaster, and author of The Retirement You Didn’t See Coming, a book I highly recommend.
Dan Haylett on LinkedIn
https://www.linkedin.com/in/dan-haylett-retirement-coach/
Humans vs Retirement Podcast
https://www.humansvsretirement.com/
The Retirement You Didn’t See Coming - Book on Amazon
https://amzn.to/4o0UhYB
The Retirement You Didn’t See Coming - Book on TGBB
https://www.thegreatbritishbookshop.co.uk/products/the-retirement-you-didn-t-see-coming
The above links can also be found on the Meaningful Money website, at
https://meaningfulmoney.tv/session597