'Devastating': Internet erupts over conservative outlet's 'damning' report on Trump allies

... war.The Journal's piece ahead of the weekend, Make Money Not War: Trump's Real Plan for Peace in Ukraine, claims that, "The Kremlin pitched th...

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Budget 2025 Response

Here’s a quick-and-dirty summary of the main personal finance points of today’s second Budget by Chancellor Rachel Reeves. Stay tuned for more content on the implications of the Budget, including a podcast with Roger and myself tomorrow!

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Budget 2025 – Roger and Pete respond!

1. Income Tax
2. Capital Gains Tax
3. IHT
4. State Pension
5. Salary Sacrifice
6. What was NOT announced
7. VCTs
8. High-Value Council Tax Surcharge
9. EV and Plug-in Hybrid mileage scheme – eVED
10. Student Loans
11. Opinions

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OpenAI won't make money by 2030 and still needs to come up with another $207 billion ... - Fortune

OpenAI won't make money by 2030 and still needs to come up with another $207 billion to power its growth plans, HSBC estimates. Nick Lichtenberg. By.

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Honeygain Reports 270% Growth in Referral Program in Just Six Months

... internet-sharing platform ... Honeygain is the first-ever app that allows its users to make money online by sharing their Internet connection.

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Top 10 Best Platforms To Make Money Online In 2025 - nubia magazine!

... internet connection and a little willpower to establish a steady source of income. ... This means that you might make money from a single well-made item ...

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Tech titan who brought internet to Africa, now racing to make it AI-ready - Business Daily

To me, the proof of success in what I do is whether they can actually make money and leave an impact.” Last week, he was appointed chairman of low ...

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How AI Can Go Bust and Survive, Just Like the Internet Did - Unite.AI

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Gracie Hunt Net Worth 2025: How Much Money Does She Make? - Reality Tea

Gracie Hunt's earnings explained — how does she make money? Gracie Hunt earns money from her career as an internet personality. Hunt has built a ...

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The Retirement You Didn’t See Coming, with Dan Haylett

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5 Ways to Get Free Internet If You're Over 60 - Saving Advice

Seniors can access free or low-cost internet through hidden programs and perks. Here are five ways to connect ... Make Money · Credit Score Guide ...

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5 AI Cryptos To Watch In 2025 - Why Ozak AI Presale Is Gaining Momentum - Blockzeit

The network lets people add to it and make money from AI models. This ... Internet Computer ($ICP): AI Ready Web3 Infrastructure. image.

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🔥 7 Affiliate Marketing Tips – How to Make Money Online the Smart Way Video

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6 Ways to Get Free Internet If You're Over 60

Seniors can access free or low-cost internet through hidden programs and perks. Here are six ways to connect ... Make Money · Credit Score Guide ...

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How an AI Art Generator Can Help You Make Money Online - nerdbot

... internet connection. ... In this guide, you'll learn exactly how an AI art generator—including tools like WAN AI and others—can help you make money ...

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Targeted Support

There’s a change coming to the financial services regime that could affect millions of people in the UK. It’s called Targeted Support, and it’s aimed at people who are currently not getting regulated financial advice. But can we trust the banks and other providers to do the right thing?

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Costco adds new ways to make money from members - TheStreet

View post: T-Mobile to offer internet customers free perk rivals don't have ... Retailers make money from their relationship with customers in ways ...

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57 Internet Users Share What A Lot Of People Think Is A Scam When It Really Isn't

Insurance. Its not a scam. Its a buisness. Yes. That means it exists to make money. They are very open about the methods in which they ...

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TechHustlers: How Today's Digital Hustlers Are Making Real Money Online

... make money. Today, TechHustlers is showing a new path. We believe the internet can turn anyone into a creator, a seller, a marketer, or an ...

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Listener Questions – Episode 30

Questions Asked

• Question 1
  Hi,

  I’m curious if you have advice, best practice or tools to advise people who have a reasonable rental property portfolio on how to plan for retirement?

  I am 55, have taken 50k tax free cash, and 13k a year drawdown, approx 40k left.  I have 11 rental properties, but I am still remortgaging and buying more properties.  Currently have about 450k available to reinvest into a few more properties, and then probably stop buying.

  I’m really struggling to understand how much I can/should have available to spend each month, especially as I’m still reinvesting into properties.  I’m sure I should be spending way more than I am, but can’t work out how best to put a retirement plan together to show how much I truly afford to spend each month.

  Love your content, and thanks for any advice you may be able to give.

  Thanks, Paul

• Question 2
  Hi Pete and Rog.

  Big fan of the podcast, keep up the good work. I am looking at ways to stay under 100k income each year to remain eligible for childcare benefits. I know if I were to make AVC into my work pension this would help to remain below that figure. I would prefer to put this money into a SIPP. My question is if I got paid the money and deposited it into a SIPP instead of my work pension will this reduce my income tax and prevent me from going over 100k and losing childcare benefits.

  Kind regards, Joshua

• Question 3
  Hello Pete and Roger,

  Firstly, thank you so much for such an informative podcast. I don’t think I listen to a single episode without taking away something valuable!

  My question relates to what I should do to with money as I accumulate it for the next financial year’s ISA and SIPP allowance.

  For context- I am 39, an NHS doctor with an NHS pension, have a paid off mortgage and have started making SIPP contributions to bring my adjusted net income below the 60% tax threshold. I am in the privileged position to be able to contribute maximum S&S ISA contributions at the beginning of each tax year and already have filled premium bonds allowance as my emergency fund.

  Should I put my accumulating savings in a high interest savings account until April, or am I missing out on growth each year and should I be using a GIA with a bed and ISA approach? I appreciate there may be tax on savings interest above £500 or CGT on anything over £3k gains.

  I just don’t want to be missing out on the best approach for the next 20+ years as I hopefully continue to max out ISA and pension contributions.

  Thank you so much in advance and keep up the fantastic work!
  Paddy

• Question 4
  Dear Pete and Rodge,

  I am relatively young (36) and have started listening to your podcast relatively recently (in the last year). What I like about it best is the calming relaxed attitude that money matters are discussed in and the comforting belief that life is more important than money I think shines through.

  Comparison is the thief of joy I know but I find it hard to situate myself in relation to where I ‘should’ be financially. I stayed at university a long time (10years) and so always perceived of myself as ‘in debt’ and living to the brink of my means, I didn’t have a credit card but I would spent all my money and save nothing. When I did eventually get a job it didn’t pay much and again it was paycheck to paycheck for many years.

  Then came three big changes almost at once. First me and my wife had a baby daughter come along, next the company I worked for went bust and third I found your podcast!

  Something about the mix of these three made me sit up, take notice and want to engage with my finances where previously my head had been in the sand. I did very much feel like I was way behind the running. I managed to find a job which paid almost a third as much take home pay again and decided to set up savings for my daughter, set up an emergency fund, increase pensions contributions, open a stocks and shares ISA, all of the good stuff that you guys continually discuss.

  However, I still am very much of the opinion that I am way behind the game and starting late which is a shame seeing as time is such a valuable component in investing. My question to you guys is, were you in my position, where would be the first places you would look to educate yourselves on the right things to do next? I feel like I don’t know what I don’t know and things continually surprise me (for instance I didn’t realise that having a car on finance was considered bad debt until the other day). I have this constant nagging doubt that I will be missing something because I haven’t started from the beginning. I did consider going back to the start of the podcast when I found it, but Rodge wasn’t even around in the first few so I didn’t enjoy it as much and also felt like maybe some advice would have gone out of date? Is there a key place for me to start, non-negotiable sources I have to get to grips with in the first place that you can direct me to? What would you do?

  Very keen to learn your thoughts and hugely appreciative of all your efforts!

  Kind regards, Dan

• Question 5
  Hello Pete & Roger

  I’ve gained Incalculable value from listening to you so keep up the amazing work!

  I have a DB-DC hybrid scheme and at my target retirement age (64) my projections say I’ll have £33K p.a DB income + £345K DC pot. This would give me ~ £86K TFC allowance at the pot.

  My plan has been not to take any TFC on the DC pot upfront and to use regular UFPLS withdrawals to reduce income tax over the long term.

  However, as this is a hybrid scheme, if I take both DB and DC components at the same time I can keep the DB at £33K p.a. and take £220K TFC upfront.

  This has made me question my slow TFC strategy as I can realise far more taking it upfront by leveraging the DB ‘value’ but only at that point in time.

  My thoughts are to then find a way to get this £220K TFC into S&S ISAs where they would be invested in the same way as in my DC pension.

  This would allow me to reduce income tax massively over my lifetime. This seems too good to be true! Is it?
  Problem will be finding a home for such large amounts of cash

  Options:
  Max mine and wifes ISA allowances (£40K p.a)
  £10K p.a. contribution to mine and wifes DC pots (MPAA limited) (£20K p.a.)

  Any other options?
  Thanks, Duncan

• Question 6
  Greetings Pete and Roger,

  Speaking as a fellow Gen X gruff Northerner (…Pete!), I’d just like to express my huge gratitude to you both for rescuing me from years of financial ineptitude, misdirection and investing ignorance.

  I can only blame myself, but losing a parent in my late teens, then late 20s, and subsequently finding myself on the non-receiving end of ‘Sideways disinheritance’ (Dad remarried / mirrored will / sold our family home to pay second wife’s debts….) didn’t help with establishing good long-term financial habits.

  Thankfully, the financial clouds parted 21(ish) months ago when I discovered your excellent Youtube videos, first book, and podcast back catalogue, including a tour de force in ‘tough love’ re: DC pension catch up.  Since then, I’ve been desperately trying to catch up, with a rough target of getting a DC pot to support an UFPLS annual 3.5 – 4% withdrawal of, the magic, £16,760.

  Starting from a very low base, I’ve been using direct payments from my own Limited Company into a Vanguard SIPP, approximately £3k+ per month (yes, I’m living on lentils..) combined with transferring personal contributions of £10k from money sat in a S&S ISA, thereby getting tax relief up to my small wage of £12.5k.  Using this mechanism, I’ve placed £48k into the pension (mindful of the £60k limit – tax relief is added on the 10k personal, but 19% corp. tax is saved on the employer contributions) in the last financial year, but won’t be able to sustain this forever.

  My question is as follows – provided I still make a net profit after the Employer pension contributions, am I correct in assuming I’m ok re: the ‘Wholly and exclusively’ HMRC test?  The employer pension payments dwarf the remaining net profit, from which I then take a small amount of dividends, and a smaller corporation tax payment is made at 19%.

  Also, provided I don’t transgress the personal earnings limit (£12,570 for me), is that ok also re: also putting in from the employee side?

  Am I missing anything at all?  E.g. could you use the ‘carry-forward rule’ to top up previous years with employer contributions from the Limited company?  I’m assuming the answer is ‘no’, as dividends don’t count as earnings / they don’t exceed £60k, but thought I’d ask anyway!

  Apologies for the ‘War and Peace’ length question, and thanks again.

  Stay intentional, Bill
  PS: Really like the ‘Catching up’ section of your, also excellent, second book Pete.

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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Discover 15 real ways to earn money working from the comfort of your home, 100% online ...

Those with accounting knowledge can make money. filing income tax returns for other people. Every year, millions of Brazilians seek professionals ...

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Castanet Media reaches a quarter century, and growing - Kelowna News

That's when he launched Silk Internet, believing at the time it was the only way to make money off the internet. Fast forward five years to Nov. 1 ...

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Listener Questions – Episode 31

Questions Asked

• Question 1
  Hi, really enjoying the podcast. Started by watching your YouTube videos and still like getting the notifications of your new content.

  I have a question regarding early retirement, before pensions are available.

  I’m 50 and my wife is 52 and we would like to retire now.
  We have a mix of DB and DC pensions that will be sufficient for our retirement. She can start taking her pensions at 55 and I’ll start at 57.

  We have a savings pot outside of pensions of £700k in a mixture of investment funds (ISA being maxed yearly) that we would like to live on between now and our pensions becoming available.

  Based on £5000 per month to live on, we would need to withdraw £60000 in year 1, year 2 and year 3. After that, we would need to withdraw £32500 in year 4, year 5, year 6 and year 7.

  Based on these figures and your experience of the expected interest we should gain over the period if our pot is sensibly invested, what are your thoughts on how low the pot will drop to over the first 7 years and how long would the amount we spent take to recover to the original value of the pot?

  Many thanks, Adam

• Question 2
  Hi Pete and Roger,

  Thank you both for all of the content and guidance – it has really helped me build my confidence in planning my finances.

  How much is too much in a pension? I’m 42 years old and have always prioritised pensions as a relatively high earner. I’m now in a position where I have a fairly healthy £530k in my pension, and wondering if I need to throttle back the contributions soon? If I take an assumed 5% growth rate, I’m on target for a £1m pot by age 55 without any more contributions (my access age is protected at 55). Should I just pay in enough to get employer match – I get 7% employer contributions for my 5%? My employer offers salary sacrifice, so as an additional rate taxpayer, I benefit from 47% relief (the employer savings are not shared unfortunately). I do already manage to fill my S&S ISA every year and have an adequate emergency fund, so really it’s a question of pension vs GIA at this point. My concern is that I may have to pay 40% tax on withdrawals on the way out, so I might be better to keep the money accessible and support an early retirement before pension access age. What is the maximum pension pot size to target at age 55? – what do you think?

  Many thanks and keep up the good work, Steve

• Question 3
  Hi Pete and Roger,

  Thank you for all you do!

  My mum is 63 and retired a few years ago. She has a DC pension, which she won't need to take until she's around 68 as they currently live off my dad's income.

  Her pension has been in the default fund, which automatically de-risks as she approaches retirement age. We only recently learned that this default fund probably isn't ideal for her circumstances, when I discovered your podcast and forwarded some episodes to her!

  She doesn't intend to buy an annuity, so what can she do with her pension pot at this late stage to stop it being entirely de-risked and losing value as she gets older? She plans to start taking an income from it in around 5 years time.

  Many thanks in advance!
  Kathryn

• Question 4
  Hi Roger and Pete,

  Listening to your podcast has me feeling like a money ninja – ready to conquer my finances one episode at a time!

  Here`s my question:

  My workplace pension match is 3% and I also I contribute 3% – it`s auto enrolment and a DC pension.

  I would like to put 15% in my retirement, but can`t find any advice on how to best do that – do I just up my contribution into my workplace pension to 15% and that`s that, or do I also open a SIPP and GIA and split between all three?

  What do people usually do?

  Thanks so much – Leah

• Question 5
  Hi Pete and Roger

  Been a fan of your podcast for a long time and have put some of the lessons from yourself and others into practice since I was 19, now 46 . Regularly saving and investing as much as possible by way of ISA , high interest accounts etc

  I have been able to build a decent portfolio over the years

  My question is regarding the most efficient platform for Stock and Shares ISA regarding fees. In the past I had an FA and the ongoing fees I always felt eroded investment gains and switched to Hargreaves Lansdown.

  I have a mix between individual shares/funds and trackers totalling £210k with Hargreaves Lansdown.

  I have heard about other cheaper platforms such as AJ Bell Trading 212 and wondered if your opinion would be to move over to something cheaper with an in specie transfer.

  I remember well the financial crisis and Lost money with the bank ICESAVE, only saved by the then PM Gordon browns decision to reimburse. So although I am attracted , once bitten  twice shy for lesser know companies.

  My end goal is to scale back or stop work mid 50's

  For fullness of info , Pension DC £240k , Cash Isa £30k, House Paid off in Full  £550k, Trust £50k No debt , No loans, 2 kids well looked after.

  Keep up the good work , that regular saving and diligent invest has  worked really well over the long term ..   thanks in advance and keep up the great work.

  regards Blair

• Question 6
  Hi Pete, Roger and Nick!

  My question is: when should you stop making additional pension contributions over and above those matching contributions from your employer?

  I am 43 and have amassed £450k in defined contribution pensions. For the past few years I have been topping up my contributions to the maximum £60k. But given that I still have 15 years until I will be able to access my pension, I assume with standard growth rates I will have amassed a significant sum even without the extra contributions (the extra is about £33k).

  I plan to withdraw approx £50k per year (up to the high rate income tax band) so assuming a 4% withdrawal rate I would need £1.25m at age 58.

  Should I just stop contributing the extra now and instead make contributions to my wife’s SIPP instead? She has a salary sacrifice pension via work and has headroom to pay more into that pension or a SIPP.

  I am at the 62% marginal income tax/NI rate but my wife is a basic rate tax payer. I don’t love the idea of paying 62% tax but only getting 28% tax relief (via salary sacrifice) if I do this!

  Many thanks, John

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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