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Making Tax Digital for Income Tax: What Every Sole Trader and Landlord Needs to Do From April 2026

Here's a question I've been asked a lot recently: “Does Making Tax Digital actually affect me?”
And for a lot of people watching this — people with a side income from freelancing, from renting out a property, maybe from a small business alongside their regular job — the honest answer is: probably yes.

What Is MTD for Income Tax — and Who Does It Affect?

What Does “Keeping Digital Records” Actually Mean?

What You Need to Do — Starting This Week

Common Questions — and One Big Misconception

Making Tax Digital for Income Tax is not coming — it's here. If your gross self-employment or rental income is above £50,000, the 2026/27 tax year has already started, and you need to be moving on this. So register with HMRC. Choose your software. Get your records set up now. And if you use an accountant, have that conversation this week.

GovUK, Finding MTD compatible software

Meaningful Academy

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Listener Questions – Episode 45

Questions Asked

• Question 1
  Hello Peter and Roger (without a D)

  I am so pleased I discovered your podcast a few months ago, since then your words of wisdom accompany me on my daily dog walks and I have become the annoying older colleague in the office telling the younger colleagues about the power of compounding and contributing to the pension scheme.

  I have a rather unusual query I would really appreciate your view on and maybe the potential pitfalls we are experiencing would be of interest to other listeners as I have read lots of questions on-line about potential benefits of putting property in children’s names .

  My parents retired to Spain 25 years ago, they cash-purchased a UK flat for when they come back 10 years ago. In a bid to avoid inheritance tax they bought this in mine and 3 siblings names (all in our late 40/early 50s). They did not seek professional  advice, just assuming it was the right thing to do, which could be the morale of the story.

  Sadly my Dad recently died and as executor of his will I have been looking into the UK assets. I realise now that this cunning plan does not work, as they regularly stay in the flat without paying rent. Therefore, it is classed as gift with reserved benefits and still included in the estate. However this is not an issue as they are well below the IHT threshold.

  The question I have relates to the future financial position that I think they have inadvertently created. My mum wants to sell up in Spain buy a house in the UK and then either rent the flat for some more income or potential sell it. But how does this work if the property is in our names? Can she legitimately take rent (with our permission) without it having income tax implications on us (I am higher rate so do not want this!). If she wants to sell it I assume it will be sales to us siblings so we will pay capital gains (but what rate? we are a mix of tax brackets and one of my sisters doesn’t own another house.) She says she might be best just transferring into her name, but I don’t think it will be that easy and we will still be liable for capital gains as it will effectively be a sale to her. Is there something we have missed here and is it something we should be concerned about? Or is it OK to leave as is and let her keep to draw down income. Could it be the right thing to do and having the property in our names be simpler to resolve when she dies.?

  I am hoping your soothing Yorkshire/Cornish tones can reassure me all will be OK.

  Vicky a faithful listener.

• Question 2
  Hi Pete and Rog

  I only discovered the podcast fairly recently, but have been following your web-based lessons on Meaningful Money for a while (and have read the books). I am really loving the podcast – so many back episodes to listen to! Super-informative, and your dulcet tones are also very soothing!

  My question is to do with advice for an adult child who is likely to spend her career working outside the UK.

  My husband and I are both late 50s and technically have reached FIRE (years of finance-nerdery despite relatively low incomes) but I am still doing consultancy because I quite enjoy it.

  Our older three children are all getting established in their careers, and I've brainwashed/ educated them in the ways of financial sensibleness, so they're all set up with emergency funds/S&S ISAs/employer pensions/SIPPS. Our youngest daughter is studying at university in Poland (the kids and I all have dual Polish/UK citizenship, as my mum was Polish). This means my daughter can work anywhere in the EU, and although she will always have strong ties to the UK, it's looking as if she is more likely to work outside the UK once she graduates in summer 2026.

  This opens up a whole new world of options in terms of setting her on a path to financial security, and there's quite a lot of conflicting information  – I would really appreciate some input on what are likely to be the best options for someone in this situation.

  At the moment she's ‘ordinarily resident' in the UK, on the electoral roll etc., but doesn't have any UK income. Can she make pension contributions in the UK even if she's working elsewhere? I assume she still has an ISA allowance if she's a UK citizen working abroad, but a LISA would make less sense if she's not likely to buy a UK property? I am self-employed via a limited company and she has occasionally done bits of tech support for me, so she could register as self-employed in the UK and bill me for that – would that count as UK employment? My accountant is super-scrupulous, so I'm not interested in anything that might be sailing even vaguely close to the wind in HMRC terms.

  I would appreciate any thoughts on this perhaps slightly non-standard situation, although I assume there must be quite a few other people out there with dual UK/EU citizenship who might be facing similar questions?

  Many thanks, Felicia

• Question 3
  Hi Pete and Roger,

  Dear Pete and Roger.

  I listen to your podcast all the time and it keeps me right. It has really helped me navigate my financial literacy or lack thereof. I am now in a situation where I have much better understanding of what I need to be doing with my money, and have made sense of all financial decisions such as paying into my workplace pension, owning my own home, and I have a recently paid job and some side projects which earn me a little.

  My question is, I think, a search for a validation of my life choices! Basically, despite having a good job and owning my own home outright, I am still struggling to budget every month. This is because I have made a terrible financial decision of owning two horses. These horses are my pride and joy, but the financial strain of it does make me feel guilty in terms of the distribution of spending between me and my husband. I spent about 600 a month on the horses, give or take a bit each month.

  Do you have any words of wisdom about how to balance being sensible with money Vs ‘investing' in my life passions? I don't think I'll ever give up the horses, so it's more about whether I continue to stress about it or not.

  Many thanks for your wisdom as always
  Josie

• Question 4
  Thank you for all the great content!

  I have a LISA question for the podcast in relation to my 25 year old son? He currently lives with me in SW London and is saving to buy his own place. I love having him stay and I am in no rush for him to move out.

  He/we decided not to go with a LISA because he is likely to buy a property in or around London and we are concerned about the £450K cap which I believe has remained fixed since 2017. He is very motivated, ambitious and hard working and has already had several promotions with an opportunity to work in the US next year. He has already saved £50K for a deposit and I intend helping him too. He is not in a rush to buy as it feels like the property market is no longer running away from him.

  He told me he thinks it makes more sense to enter the property market on the second rung of the ladder rather than the first as it costs so much to move with stamp duty, fees etc. So perhaps a 2 bed in a nice(ish) area rather than a starter home (and renting the second bedroom to a friend). I think I agree with him, especially if he ends up working in the US for an unknown period of time.  A 2 bed in a nice(ish) area where he actually wants to live would cost more than the £450K cap which is why we are reluctant to use the LISA for saving for his first home (I understand it can also be a pension investment but he is already contributing to his workplace pension).

  However, I have in my head a bug that says he can put minimal contributions into a LISA each year (say £5) which he could top up retrospectively if he changes his mind and does find somewhere to buy for under £450K. Am I correct?

  Your thoughts would be much appreciated.
  Michelle

• Question 5
  Hi Pete and Roger

  Thanks so much for all the work you do, I've only found the podcast recently but already enjoying learning more and thinking about things differently.

  My question relates to saving for retirement and specifically the period leading up to retiring.  Nearly all of our (mine and my husband's) pensions are in SIPPs where we have been happy to be 100% equity, in global index funds. We are now maybe 7-10 years from the point where we could retire, and I've been able to research withdrawal strategies to the point where I'm confident managing that when we get there.  We have determined our target asset allocation split between equities / bond funds / individual gilts and money market funds for the start point of retirement.

  I haven't been able to find much information about the period of transition from 100% equity to the asset allocation we want in place for the start of retirement.  Obviously it's a balance between reducing exposure to volatility as we approach retirement and accepting a drag on the portfolio caused by the increasing allocation to cash and bonds and my instinctive (but not evidence-based!) approach would be to gradually move from one to the other over a number of years.

  So my question is this – is there a better approach than just a straightline shift from one to the other?  How far out from retirement is it appropriate to start making the transition?  The best advice I can find online is just to pick whatever makes you feel comfortable and do that but surely there must be some more robust guidance out there?  I appreciate it might not be a one size fits all answer but would appreciate your thoughts on how to approach this.

  The one piece of advice I do seem to have found is that however we decide to do it, to stick to a predetermined schedule to avoid temptation to try to time the market – does that sound sensible or have I missed the mark on that?

  Thanks so much for any help you can give.
  Fran

• Question 6
  Hey Pete & Roger,

  Thank you for the great podcast!

  I have a question about income protection insurance. I'm quite young (25 – probably among your youngest listeners!), no dependents, renting with my partner, and am fortunate enough to have a well paid job and a promising future career.

  I recognise that my biggest asset is my future earning potential and would like to protect that in case of the worst. I have a 6 month emergency fund, healthy amounts (for my age) invested across ISAs and pensions, and my work offers 50% loss of income protection for accident or illness for 3 years, which is all great.

  My question is – to what extent should I think about trying to protect against the tail risk of not being able to work for >3 years, possibly till pension age? This is of course quite unlikely, but would be very detrimental if it were to occur – the exact sort of place where insurance would make sense. However I can't seem to find any insurance policies with such a long deferral period and I can't “double up” by having a shorter referral period. So, do such products exist, and if not are there any alternatives other than just accepting that risk and re-evaluating if and when my circumstances change? Is this even a reasonable risk to be thinking about, or is it overkill? Is there anything I should think about that I may be missing?

  Many thanks, Sarah

Send Us Your Listener Question

We’re going to spin out the listener questions into a separate Q&A show which we’ll drop into the feed every 2-3 weeks or so. These will be in addition to the main feed, most likely, but they’re easier for us to produce because they require less writing! Send your questions to hello@meaningfulmoney.tv Subject line: Podcast Question

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Brad Garlinghouse Says Ripple Is Going After SWIFT, Argues XRP Is an Internet Moment for Money

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Retirement on Autopilot: A Simple System That Runs Itself

The first thing I want to do is reframe how you think about your money in retirement, because it's a genuinely different job to what came before. During your working years, you were in accumulation mode. Money goes in. Investments grow. You don't touch it. Simple.

In retirement, you flip into decumulation mode – a horrible word that advisers like me like to use. Now you need your money to do two things simultaneously: fund your lifestyle AND keep growing enough to last the rest of your life. That tension — between spending and growing — is what often trips people up.

If you're serious about building a retirement plan that actually works, my Retirement Planning course at Meaningful Academy is designed to walk you through every step: from understanding your pension options to building a drawdown strategy you can live with. Head to Meaningful Academy: Retirement Planning

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Planning for Pensions and IHT

KNOW – Pensions no longer outside of estate
KNOW – Some important exemptions still remain
KNOW – In some cases there could be TWO taxes
KNOW – The administration will also change
KNOW Summary

DO – Rethink the old “leave the pension last” strategy
DO – Review who your beneficiaries actually are
DO – Consider using surplus pension income while you’re alive
DO – Don’t rush into drastic decisions

Podcast Review

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Listener Questions – Episode 44

Questions Asked

• Question 1
  Hi Pete and Roger,

  I have been really enjoying your podcast and have learned so much about finance, tax and investments that I did not know before. I enjoyed your episode on inheritance tax.

  I have a question regarding inheritance tax and what happens if beneficiaries are unable to afford to pay it. My parents are wealthy with three properties (mortgages all paid off) and a large private pension, my parents also had a limited company which they used to maximise their earnings by minimising tax. However, me and my brother are average in the financial sense, where we have “normal salaried jobs”, as my father would say. We earn far less than him and hence have much less assets. I own a house but have most of the mortgage left to pay because I only bought it last year. I am also single and live alone on my single income. My brother rents a flat and spends most of what he earns and has no concept of saving/future plans or investments, he does not even have a pension.

  I am under the assumption that the IHT has to paid first before the inherence is released, rather than IHT simply being deducted from the actual inherence itself before distribution?

  When I look at the total of my parents assets, me and my brother have no where near enough money to be able to pay it, due to the large gap in wealth between us and my parents. I tried to discuss this with them a few times but was fobbed off. They don’t have any plan in place, all they have is life insurance to cover each other should one party die, and a simple one page will including just each other and us, no extended family. My brother and mum have no clue about money, and my dad who is in charge of the finances has multiple health problems of late. I am anxious of the day when I will be asked to pay tons of IHT which I might not be able to able to afford, especially because I am single and have my own bills and mortgage, I can’t afford another loan.

  Is there a way to get around this or reduce the burden? If I cannot afford to pay the tax, can I simple “run away” from the situation and decline being a beneficiary, hence shoving the responsibility of IHT onto other family members? I don’t really understand the process of probate, and whether my parents life insurance would pay it, but it seems to be that it pays out to the spouse should the other die, so I assume this would be added to the total assets and hence increase the tax burden should the other die?

  My parents don’t seem to be bothered and are reluctant to discuss this so I am unsure what to do. How do “average/mediocre” kids like me and my brother usually deal with the tax from being born into a wealthy family?

  Sorry if this is a silly question, but I would appreciate any words of financial wisdom.
  Many thanks, Lava

• Question 2
  Hi Pete and Roger,

  I hope this message finds you well. As an avid listener of your podcast for the past couple of years, I want to express my gratitude for the way you break down financial and pension topics that can often seem overwhelming. Your insights have been invaluable to me.

  I wanted to share a personal experience and seek your views on it. After dedicating 42 years working at M&S, I am now approaching 60 and preparing to take my pension later this year. While I am proud of my long service, I’ve encountered an unexpected surprise in my pension arrangement.

  I have a Defined Benefit (DB) pension valued at around £9,000. Per year. However, upon receiving my pension quotation, I discovered that the scheme is structured to pay me this amount only until I reach 65 years of age, after which it reduces by approximately £2,200, a 24% reduction. This reduction is based on the assumption that the State Pension will compensate for the difference. However, with the State Pension age being pushed back, I will experience a reduction in my income before the State Pension begins when I turn 67.

  This situation feels particularly unfair, especially given that at M&S, there are a significant number of women who are lower-paid workers. The unfairness is further accentuated by the fact that the reduction is a fixed sum, irrespective of one's earnings. This fixed sum reduction impacts lower-paid and part-time workers disproportionately.
  I would greatly appreciate any insights or advice you might have on how to navigate this issue. Thank you once again for the fantastic work you do. Your podcast has been a tremendous help in making sense of pensions and finances.

  Best regards, Joan

• Question 3
  Hi Pete and Roger,

  Discovered the podcast and book a few months ago while trying to get more organised with life admin and planning for the future. Enjoying working through the back catalogue of the past seasons on the podcast and that's been very helpful – thank you.

  I do have a question about salary sacrifice/exchange in a workplace pension around tax brackets. As I got a promotion at work a few years ago I ended up moving into the higher 40% tax bracket so I adjusted my pension contributions – my workplace offers salary exchange for pension contributions – to bring my adjusted salary to below £50k and stay within the 20% income tax bracket and also saving on National Insurance contributions and tax relief. However, last year, another promotion led to another increase in salary and several things going on such as buying a house meant that I hadn't adjusted the pension contributions enough and my adjusted salary was above £50k and a portion of that was taxed at the 40% rate.

  Question I have is can I claim back the tax at the 40% rate from HMRC or does the salary exchange mean that I have already had the maximum tax relief applied?

  Thanks and keep up the good work, Simon

• Question 4
  Hi Pete and Rog,

  Only just discovered the pod and loving it!

  You advocate global trackers and I can see why, as they are cheap and simple and have the appearance of diversifying risk. But do you not worry about putting 60-70% of your money in one market (the US), which is what a global tracker does? I understand that you're letting the market determine how your capital is allocated, but what is ‘the market' when so many other people are also just investing in global trackers? It seems to me there is not enough price discovery and trackers may be chasing a bubble. Would love to get your views.

  Cheers guys. Will

• Question 5
  Dear Roger and Pete

  Huge fan of the show!

  I had a question about offshore investment bonds. I’m an additional rate taxpayer and after contributing to pension and ISA, am then looking at what could come next. I’ve seen offshore investment bonds as an option, however I’m struggling to see how they would deliver a better outcome (assuming the same underlying investments) than simply using a GIA, and selling down the investments once I stop work.

  Thanks again, Matt

• Question 6
  Hi Pete, Roger and Team,

  Firstly, thanks to you all for the amazing podcast, I have been listening for years and it has given me the confidence to manage my finances. I spread the word to all who will listen!

  My question is regarding tapering with relation to gifts and IHT. The scenario is this, a person is gifted a fairly substantial sum (say £100k) but less than the £325k personal allowance. The person who gifted the sum then dies at 6 years post gift. The persons estate is say £750k.

  In this case does tapering occur? Even though the gift is less than the £325k the whole estate is well over the personal allowance. Would IHT be paid on the sum over £325 with tapering on the gift? For example £325k IHT free due personal allowance, £100k at 6% taper relief with the remainder at normal IHT rates?

  Hopefully that’s a short enough question!
  Many thanks, Alastair

Send Us Your Listener Question

We’re going to spin out the listener questions into a separate Q&A show which we’ll drop into the feed every 2-3 weeks or so. These will be in addition to the main feed, most likely, but they’re easier for us to produce because they require less writing! Send your questions to hello@meaningfulmoney.tv Subject line: Podcast Question

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