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Sunday, December 14, 2025

How to Use the Law of Expectancy to Make Money Online

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(Note: Please turn volume up or turn on captions. We’re having some audio issues with new equipment and the content was too good not to share.)

If you want to maximize your social media success, you need to harness the power of the Law of Expectancy. This powerful mindset shift can completely transform your ability to convert followers into paying customers by rewiring how you approach marketing.

What is the Law of Expectancy?

The Law of Expectancy states that whatever you expect to happen is likely to occur. Your beliefs shape your reality, which means that if you expect success in your social media efforts, you’re far more likely to achieve it. The problem? Most people expect failure, struggle, or lackluster results.

Many entrepreneurs put in the work, post consistently, and follow expert strategies, yet they fail to see real engagement or conversions. Meanwhile, others with similar strategies experience massive success. The difference often comes down to their expectations.

How the Law of Expectancy Impacts Social Media Success

Let’s take two business owners as an example. Person A and Person B are following the same marketing strategies. Person A expects that their content will resonate, attract leads, and convert sales. Meanwhile, Person B doubts themselves, assumes their audience won’t engage, and fears rejection.

The result? Person A gets engagement, leads, and conversions because they fully expect it. Person B struggles because they’ve already decided, on a subconscious level, that success isn’t in the cards for them. This mental barrier creates resistance, self-sabotage, and frustration.

Common Mindset Blocks That Sabotage Social Media Success

If you’re not seeing results from your social media posts, it’s time to examine your mindset. Some of the most common Law of Expectancy blocks include:

  1. Thinking Success is for Others, Not You
    • If you believe that others can succeed but you can’t, you’re setting yourself up for failure.
  2. Fear of Success
    • Some people unconsciously believe that success comes with problems, responsibility, or pressure, so they block their own progress.
  3. Overcomplicating the Process
    • Success doesn’t have to be hard. Many entrepreneurs sabotage themselves by making things unnecessarily difficult instead of allowing things to flow.
  4. Self-Sabotage Behaviors
    • Getting distracted by projects that don’t generate income.
    • Constantly changing offers instead of refining a proven one.
    • Adding unnecessary elements to justify raising prices.
    • Focusing on trends instead of sustainable strategies.

Shifting Your Mindset to Expect Social Media Success

To apply the Law of Expectancy, start by reprogramming your mindset to expect positive results. Here’s how:

  1. Identify Limiting Beliefs
    • Write down any thoughts that make you doubt your social media success. Are you expecting failure? Struggle? Lack of engagement?
  2. Flip the Narrative
    • Replace limiting beliefs with empowering expectations. Instead of “No one engages with my content,” shift to “Every post I create attracts my ideal clients.”
  3. Reinforce Your New Expectations Daily
    • Use affirmations, visualization, and journaling to solidify your belief that success is your natural state.
  4. Take Inspired Action Without Resistance
    • Post with confidence, engage with your audience as if they’re already eager to buy, and trust the process.

Real-Life Proof: The Power of Expectation

One of our clients in the Effortless Revenue Mastermind recently experienced a major breakthrough. She dedicated herself to video marketing, fully expecting results. The outcome? A $40,000 sale from someone who found her on a video. She had no resistance, no doubt—just pure expectation of success.

Contrast that with others who work twice as hard but don’t get results because their expectations aren’t aligned with success. The difference is mindset.

Final Thoughts: Expect Social Media Success

If you’re putting in the work but not seeing results, it’s time to examine your Law of Expectancy. What are you expecting? Are you setting yourself up for struggle, or are you fully believing that your efforts will pay off?

Success is as much about mindset as it is about strategy. Expect your social media posts to convert. Expect your content to attract leads. Expect making money to be easy. And if you need help breaking through money mindset blocks, check out our Money Mindset Reset Course here.

Start applying the Law of Expectancy today, and watch how quickly your social media results transform!

The post How to Use the Law of Expectancy to Make Money Online first appeared on Make Money Your Honey | scale your business with marketing & sales systems.



* This article was originally published here

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Saturday, December 13, 2025

Listener Questions – Episode 35

Questions Asked

  • Question 1
    Hi Pete,

    I’m a single household, due to pay my mortgage off in my early 50’s….I have very little savings and pensions are everywhere and been ‘balanced fund choices’ as I either do self employed work or fixed term contracts. I’m really concerned I won’t have ‘enough’ to retire.
    Where do I start to know how much I need? I don’t have an extreme fancy lifestyle but want to live comfortably with running a car, having a nice home and having a holiday every few years. I would also like to help my siblings out if possible when they need it.

    Also for your business…..have you thought of making it an ‘employee owned trust’ in the future? This could be a good option if you don’t want it swallowed up by larger organisations and want to keep a people focussed culture.

    Thanks, Anna

  • Question 2
    Hi Pete and Roger
    Recently discovered the podcast and it’s been really helpful in getting my thoughts straight about future planning – thank you!
    My job gives me a DB pension that as it stands will give me £4617 per year at 67 – for every year I work that will go up by one 54th of my salary, (£57k) so £1055 annually if I stay at the same grade. Increased by cpi plus 1.5% annually at the moment; and by CPI only once in payment. I can exchange part of this for a lump sum when I take it but that’s a decision for another day!
    I’m projected for full SP at 67 after another 2 years contributing. I have £30k in a pensionbee that I’m adding to £100 a month, and after listening to the podcast I have started an AJ Bell SIPP (vanguard lifestrategy 60% equity) which I’m adding £200 a month to.
    Also working on the cash ladder/emergency fund – currently just £5k in a cash ISA I am hoping to get this up as much as possible. After overpaying mortgage and contributing to PensionBee/SIPP I can save £200 in a good month.
    I am aiming to retire as soon as I possibly can after 60, when the kids will all be in their 20s. I am sure this seems impossible but might as well aim high!!! So my priority is to build for the years between 60 and 67. And leave something for the kids, eventually!
    So…my question!! I have an old tiny deferred DB pension that I can take at 60, £3461 lump plus £1153 per annum (no option to take either a smaller or larger lump sum). I can’t trivially commute this due to the rules of the scheme. As it’s deferred there are no other benefits eg death in service. Or,  I can take this now (age 53) with a reduction for early payment so it would be worth £3076 lump and £869 per annum.  The pension increases each year by CPI while deferred and also when it’s in payment.
    Does it make sense to take now, and put lump and monthly payment into either mortgage, or SIPP,  or cash ISA? And if so which – SIPP gets me extra 25% from the gov as it’s under pension recycling amount? But £3k off my mortgage now might be better.
    Cant get my head around the maths of this…but my gut feel is it would be working harder for me in my hand despite the fact I'd be taxed on the annual amount? I’d make sure that with my work and personal contributions I stay in 20% tax band and reclaim from HMRC when I do my tax return.
    Sarah

  • Question 3
    Hi Pete and Roger, great show and love the new format to allow listeners to ask lots of questions.

    My question is around pension inheritance. When a person dies and passes a DC pension to a spouse or child, does the inheritance remain in the pension wrapper when it passes on or does it lose its pension wrapper status which allows the person inheriting to use the cash as they want without the pension restrictions?

    Many thanks, Kavi

  • Question 4
    Hi Pete

    I’ve been watching your videos and listening to your podcasts for about two years now and I’ll start by thanking you (and the youthful Mr Weeks) for the public service you provide outside your paying work.  I have what I think is a simple question, but I don’t seem to be able to find a definitive answer on-line.

    I retired about this time two years ago at the age of 62 so I’m 64 now.  I have a DC pension in the form of a SIPP which is currently worth a little more than £600k.  I also have a similar amount in savings (some in cash, some in an S&S ISA).  I live on a combination of the income provided by the cash and the S&S ISA, plus a series of small UFPLSs taken roughly quarterly from my SIPP throughout the tax year. At this stage the SIPP withdrawals are relatively modest (totalling maybe 12k a year, of which of course 3k is tax free).  My intention is to continue doing the UFPLSs at roughly the same rate, possibly increasing a little as a result of inflation.  State pension will add another 12k or so to my annual income in 3 years so that will likely reduce the need to increase my SIPP withdrawals for a while.  My SIPP is currently growing faster than my rate of withdrawal.

    I understand that the maximum tax free cash I can have out of my pension in my lifetime (under current legislation) is £268,275 and obviously at my current withdrawal rate, I’m not getting to that total anytime soon.  However if I’ve understood the rules correctly (and I may not have), I think my ability to have tax free cash once I reach the age of 75 goes away.  If that’s true, presumably I need to crystallise my SIPP pot just before I reach age 75, taking a quarter of it or my remaining LSA (whichever is smaller) as a tax free lump sum, at which point the remainder turns into an entirely taxable (crystallised) draw down pot?  Alternatively, have I completely misunderstood what happens at age 75 and I can continue to do UFPLSs (with 25% tax free) until the cows come home, or I reach the LSA, whichever is sooner?

    I don’t think it’s relevant to my question above but just for background, I have a wife who inherits everything if she survives me, or a few nieces and nephews and charities that benefit if she doesn’t.  We have no children of our own.

    Keep up the good work gentlemen.
    Regards, Robert

  • Question 5
    Hi Pete

    My son, who has never been a saver (apart from workplace pension) and never seems to have any spare money (single dad, renter) is in the process of going self employed with a colleague. If all goes well, he has a chance to make a reasonable income, not be hand to mouth and periodically take lump sums as a company director. E. G £5k to £10k starting in a couple of years.

    My question is not about the viability of the business but this business will open up the prospect of my mid 30's son, David, owning a house while I am alive. As in, building up a deposit as dividends are paid. It may take several years and then, I assume, he would have to go through the pain of a self employed mortgage. An area that I know nothing about.

    In effect, he is just starting out, but we would be really interested in your thoughts about the longer term aim of buying a house.

    Many thanks again for your wonderful books and podcasts
    Helen

  • Question 6
    Hi Pete & Roger,
    I continue to recommend your podcast to others.  Please keep up the excellent work.  My question is on the process of using flexible Cash ISAs.  I cannot find any worked examples online and a few IFAs I have approached suggested kicking back the question to the ISA provider but I would appreciate your thoughts.

    My wife and I have £200k in flexible cash isas.  We plan on using these funds for a house purchase.  Should I reduce the balance to zero, can I top the ISA back up to the full £200k provided the money goes in and out of a ‘flexible' cash isa (and is within the same tax year)?  I would be in a position to do this following the sale of some investment property..

    And the second part of the question would be can the money move freely between a stocks and shares isa and a flexible cash isa eg £200k in a flexible cash isa moved into a stocks and shares isa > then back to the flexible cash isa.

    We are both higher-rate tax payers and I won’t drop a tax bracket in retirement so I feel the ISAs are the most useful savings bucket we hold.

    Take care and all the best.
    Stuart

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


Join the MeMo Facebook Group

Follow MeMo on Instagram

Follow MeMo on Twitter

The post Listener Questions – Episode 35 appeared first on Meaningful Money – Making sense of Money with Pete Matthew | Financial FAQ.



* This article was originally published here

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Friday, December 12, 2025

How much your data is worth - and how to stop people profiting from it | Money News

Is there anything you can do about it, or are you resigned to having companies know all about you - and make money on it? ... internet, and our experts ...

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Thursday, December 11, 2025

Anything Acquires “anything.com” for $2M to Let Anyone Make Money on the Internet

Anything Acquires “anything.com” for $2M to Let Anyone Make Money on the Internet ... Anything, the AI platform that lets anyone ship production-ready ...

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Wednesday, December 10, 2025

Tuesday, December 9, 2025

Listener Questions – Episode 32

Questions Asked

  • Question 1
    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 2
    Hello

    I listen to your show when out on walks and find it helpful for somebody who struggles at times with pension planning

    I am 55 and myself and colleagues were told we had to leave the Final Salary pension scheme in 2019, the flipside being we would still have employment and our final salary pension would be triggered at reduced age of 50, although we would only get the years paid into rather than the magic 40 years which would give 40/80ths of your final salary.

    So, for me , mine was triggered in 2020 and it was around 32/80ths (paid in since age 17), and I still remain in employment.

    At this time I received a statement saying my pension had triggered, I had opted for the smaller lump sum (we had two options and some took the larger sum).  There was no option to not take a tax free lump sum. I received a statement from the pension provider and it stated I was using 57% of the LTA

    Now,  since 2024 the P60 I receive from the pension provider annually now shows how much of the LSA I have used, this shows an amount of £153k , which equates to the same 57% , this time of the tax free lump sum allowance of £268k   (I have rounded the figures).

    However, the actual lump sum I received was £80k – so should I not have £199k left to use up?

    As I got my lump sum prior to 2024 and it is far lower than the standard calculation used to generate £153k used figure , do I not have any protected rights and able to dispute this ?   It seems unfair that others who opted for double the tax free lump sum I received will be treat the same as myself regarding what tax free lump sum they can get in future  (We all pay into a company DC scheme these past 6 year, with a different provider).

    I have read about Transitional Tax Certificates but unsure if they are relevant to my scenario. I was unsure if the onus is on myself to take some action, or if the above is correct and that is how it works.

    Any advice would be appreciated and may help others in a similar scenario also.

    Many thanks, Jason

  • Question 3
    Hi both,

    Thank you for all the great content, my question relates to financial planning as a couple.

    My partner and I are getting married next year and plan to combine finances at that time. We will also be looking to buy our first home in the next few years.

    Aside from some lifestyle creep, we are both ‘good’ with money and have worked with monthly budget systems before. We are looking for a system to help us manage our *total wealth/finances* on a larger scale as opposed to the majority of online finance spreadsheets which focus more on monthly budgeting. Do you have any recommendations for spreadsheets or software to help us keep track of the ‘big picture’ i.e. emergency fund, pensions, ISAs, investments. We WILL be seeking financial planning but are keen to keep track of this stuff ourselves. We would be happy to update spreadsheets quarterly, but not get bogged down in tracking specifics of bills etc!

    Best, Maddie

  • Question 4
    Hello Pete and Roger,

    The older of my 2 sisters has been diagnosed with a terminal illness at the early age of 46 and because of the late stage diagnosis the timescales could be as short as 3-6 months without treatment. Myself and my other sister have been looking through her work pension/ finances to sort out her estate to get everything looked after for her only daughter, who is under the age of 18.

    She works for a government department and after reading the small print with her pension/ employment contract her estate would be about £130k worse off if she continued to be on sick leave but employed compared to taking medical early retirement. We have advised and started the process to get the lump sum and early retirement pension for my sister, as she is unlikely to benefit from the higher yearly pension payouts of around 23k vs 15k with £100k lump sum.

    My younger sister is applying for power of attorney as my older sister is too unwell to deal with all the admin and is becoming very forgetful with her condition and medication. My sister's entire estate will be around  £300k, we are concerned about my niece inheriting such a large lump sum at the age of 18. We are considering setting up a trust so that the money can be fully invested and paid out in smaller staggered lump sums to her on a 6 month or 12 month basis, just to get her used to dealing with larger sums of money and when she needs a Deposit for a house etc this will be available. Are there any reasons not to go down the Trust route and would this even be practical? Are there other options? We have been thrown into the deep end trying to make the best decision and could use your advice.

    I’m 38 and if I'd have inherited such a large lump sum at the age of 18, I probably would have blown it on expensive cars and motorcycles and have had some great fun in my 20's, but probably would have little left to show.
    Regards
    Mark

  • Question 5
    Hi Pete and Rog

    Long time fan here! Love the accessibility of your information in the pod and the books! I've learnt a huge amount. But….

    I still have a probably rather stupid question… I have a SIPP with funds in a Vanguard Global Index fund with Interactive Investor. It's taken a bit of a battering, but I'm hopeful it will grow in the next 10 years!

    My question is, how does it grow? I keep reading about interest and the magic of compounding, but it seems to me that there is no interest in an index fund? I dabble for a while with a dividend specific pie on Trading 212 and clearly saw dividends being paid to me on a regular basis, but this doesn't seem to happen with the Vanguard fund. What is it that's compounding?

    Please can you explain (as if I was a child!) how and why the fund grows and (hopefully) keeps gaining value over the long term?

    Many thanks!

    Alex

  • Question 6
    Hello Pete and Roger,

    Great podcast!

    We are all very aware of costs eroding returns over time. On reading the Sunday Times review of investing platforms (8th June 2025 entitled, *'Switch investing platform and save £30k*'), this would seem to advocate changing platforms as funds increase to minimise costs. However, what this article doesn't go into is the flexibility on each platform to invest in individual shares / ETFs etc. Please could you and Roger give your insightful views about investment platform selection and particularly keeping with the most cost effective platforms as invested funds grow in value.

    Thank you for helping so many of us!
    Ivana

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


Join the MeMo Facebook Group

Follow MeMo on Instagram

Follow MeMo on Twitter

The post Listener Questions – Episode 32 appeared first on Meaningful Money – Making sense of Money with Pete Matthew | Financial FAQ.



* This article was originally published here

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Monday, December 8, 2025

How the creator economy destroyed the internet | The Verge

... make money from YouTube. Financial documents revealed that the content arm of the MrBeast empire is a tremendous money loser — three straight ...

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Sunday, December 7, 2025

How internet became 'enshittified' - and how to fix it | RNZ News

Analysis: One theory explains how the internet became ' ... Like medieval landlords, the tech overlords don't make money in the enshittoscene by ...

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Saturday, December 6, 2025

Day 1-1000: Agrovesto is building Nigeria's agricultural infrastructure - TechCabal

... internet”: Day 1-1000 of Agrovesto ... The security guard, a farmer's son from Plateau State who had come to the city to make money for further ...

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Friday, December 5, 2025

Listener Questions – Episode 34

Questions Asked

  • Question 1
    Hi Pete and Roger
    Thanks for the fantastic podcast, YouTube videos (and book) I have learnt so much.

    My question is essentially about whether to overpay my mortgage or invest. I have watched Pete's videos on this subject but just wanted to check if my situation changes anything.

    I'm a 41 year old Firefighter and I am in the Firefighters Pension Scheme. I am recently divorced and as such have had to start again with a 25 year mortgage currently fixed for 5 years at 4.1%.

    Essentially should I focus on overpaying this mortgage so that it is definitely paid off by the time I am 60 (When I can retire from the Fire service) as I already have the DB Firefighters Pension.

    Or would I still be better to invest this money in a stocks and shares ISA and use it to pay off the mortgage at a later date?
    My disposable income for whichever option would be around £200 a month.

    Lastly I will probably continue working past 60 yrs old but it may be in a different profession as by that age I may not feel like dragging hose and climbing ladders anymore!

    Thanks again, James

  • Question 2
    Hi Pete and Roger,

    I've been listening to your brilliant podcast since COVID, so around 5 years now and always look forward to the new episode coming out.

    I don't really have a financial related question for you, more some advice…

    I've tried to educate my daughter on personal finance and I think she now has a good grasp and is interested in becoming a financial advisor. She is now 19, has decent A levels and has just completed an Art foundation course. She has University offers for September which she has deferred as she really doesn't want to go! We live in West Kent (nr Tunbridge Wells) and I've been looking for trainee, bottom of the rung, Financial advisor jobs for her but I can't seem to find anything. She could commute to London, if required but would rather stay local if possible. Do either of you have any suggestions about how she might be able to get into the industry? We're happy to pay for courses of that helps her but not sure what would be best.

    Sorry for the long email, any advice would be very gratefully received.

    All the best and keep up the great work
    Matt and Belle Hart

  • Question 3
    Hello to Pete and Rog,

    Thanks for the podcast so far, my family is in a much sounder financial footing since I've started putting into action some of the basics you've spoken about previously. ISAs, pensions and insurance all ticking along nicely now – thanks to you!

    I have a question about my pension, is it possible to add too much?

    My thoughts are, if my pension pot in today's money is worth £1.25m when I retire, I can take the 250k tax free and £40k a year thereafter, anymore than this and I would be paying 40% tax on my drawings.
    Are there benefits I'm missing of having a larger pot (say £2m)?
    Not one I need to worry about yet, if at all, but it's always puzzled me!

    Many thanks for the content, keep up the good work and enjoy the sunshine this weekend!
    Adam

  • Question 4
    Hi Pete & Rog,

    Have been a long time listener and have loved your double act with the self effacing banter alongside sound, sensible guidance on the minefield that personal finance can often seem to be. Listening whilst walking the dog is like chewing the fat down the pub with a couple of great friends,

    So my situation is this…
    47 years old, married with two kids (11/14).

    Myself and my wife both have good jobs, own jointly (own names) 8 x BTL properties generating a profit. Equity in Portfolio is about £400k
    Portfolio was built to provide additional income and to support us in retirement (either the income or by selling)

    We have our own home (mortgaged) and are in the process of moving to a bigger place as we're growing out of where we are. This will come with a bigger mortgage as we're scaling up so to minimise the increase in monthly payments we're increasing the term back to our state retirement ages (which is a bit depressing!).

    So our ideal plan is to have the “choice” to semi retire / work as much or little as we want by age 57 – so around 10 years from now but we are not sure whether this is realistic and the best way to set things up to achieve it if it is. We would probably still work part-time beyond 57 but would want to have other sources of income that could support a comfortable lifestyle.

    To add to the complexity, but in a good way, I'm also in the process of changing jobs and the new job comes with a £20k pa pay rise and a matched pension at 6%. This is obviously lower than my current employers scheme but I plan to at least match what currently goes into my current employer pension one way or the other.

    So after what must be one of the longest pre-ambles you've ever read here are my question(s):

    In terms of where we are now do you think getting to a position where we have a choice to retire/semi retire in 10 years is realistic and what are the key things we should be doing now ten years out taking into account our circumstances?

    How would you approach the pension situation with my change of employer, my thought was to make contributions to my private pension to cover the overall reduction (9% matched to 6% matched) between employers so that I'm still putting in 18% overall. I think I may be able to put as much as I like into my new employers scheme though (but they'll only match 6%) so would this be a better option?

    In terms of our mortgage in 10 years it will still be around £350k so we would want to reduce this significantly or even pay off in full at that point. My thought was to sell 5-6 of the BTL's over 5 years leading up to age 57 to pay it down however this obviously reduces our passive income from the portfolio and we'd pay a chunk of CGT along the way. Are there any better ways of achieving the same result?

    I hope I haven't broken any rules around length of email and number of questions, I can only hope you'll treat this with your customary humour and patience!

    Keep up the great work guys.
    Best Regards, Nick

  • Question 5
    Hello Pete and Roger -I’d like to say how your podcast has really helped me to focus on preparing for retirement ,so thank you .

    My question is I’m in my early 60,s I have 2 x Db pensions which will pay about £22000 Pa immediately if I choose , a full state pension at 67 and I have no mortgage and cash savings of £235000 half of which is in cash ISAs. My DB Pensions and state pension will be enough for my life style .

    I may move home next year hence the large cash savings and also because I recently divorced and that’s how the settlement added to that figure. It was a coercive relationship and I’m so worried now I hold too much cash as I never had my own money to invest in a pension. Prior to the marriage and children I did work and pay into a pension which will provide half of the DB pension as stated earlier but that all stopped when I married.

    Should I start a personal pension now so close to retirement if I know I’ll have spare cash to pay the max £3600 inc tax relief to take advantage of the tax relief and build up a pot not for income necessarily but for care home fees /inheritance tax costs for my two young adult children? Or shouldn’t I worry?

    Many thanks for your help.
    Charlotte

  • Question 6
    Dear Pete and Rog,

    Thank you so much for your incredibly valuable podcast. I’ve learned a great deal from it and really appreciate the clarity and insight you bring to complex financial topics. Can't wait for the Youtube version to finally see what Rog looks like ! 🙂

    I had a question that I hope you might be able to shed some light on. My wife is from Slovakia, and we’re likely to retire there in the future with our two children. I understand that capital gains tax and inheritance tax are both zero in Slovakia. However, I’ve read that UK-situs assets remain within the scope of UK inheritance tax even after leaving the UK, and that these would seem to include UK-domiciled OEICs such as the Vanguard LifeStrategy 100% fund, which I currently hold in a general investment account.

    Would it therefore make sense to consider switching from the LifeStrategy 100% UK domiciled fund to an Ireland-domiciled ETF such as the Vanguard FTSE All-World UCITS ETF (VWRP)?

    Would doing so resolve the issue of UK IHT exposure on those Situs assets?

    Or transferring the UK OEICs to a global investment platform, would that work (seems too easy to be true)?

    Any other tips to look into before making the big move abroad?

    Thank you very much again for your time, and for all the invaluable information you share! Please keep it going !
    Best regards, 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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The post Listener Questions – Episode 34 appeared first on Meaningful Money – Making sense of Money with Pete Matthew | Financial FAQ.



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Monday, December 1, 2025

Listener Questions – Episode 33

Questions Asked

  • Question 1
    Good morning Pete & Roger,
    Thank you for a great podcast, been really enjoying it over the years and it’s been no end of help for me.
    My question concerns my grandchild. She was born in America but now lives in the UK, is duel nationality. As grandparents we were hoping to put money aside into a savings account for her. Now obviously we thought the JISA but as she is born in America we can’t do that. Is there any advice for how we can save for her in the most tax efficient way for her, conscious that she is quite young. If we can put some money away now regularly, it could build up into a nice little nest egg for her. Also hoping to do this for other grandchildren, not necessarily born in America.
    Any advice gratefully received. Mike.

  • Question 2
    Hello Pete & Rog
    Wow these Q&As just keep delivering incredible value -keep up the great work!

    I’m 52 and my wife is 43. We’re both higher-rate taxpayers contributing to a DB-DC hybrid via salary sacrifice. We’d like to retire together in 12 years (me at 64, my wife at 55—she has a protected pension age).
    We both have a DB pension and a DC pension. Combined we have emergency fund of £30k in Cash ISA, no S&S ISA.

    Observations:
    – Once both DB & State Pension are in payment pay, planned spending of £60k p.a. is fully covered.
    – My ability to draw DC within the basic-rate band post-State Pension is limited, as DB 33k p.a.
    – My wife has much more scope to use her DC tax-efficiently before her DB/State Pension start.
    – Likely outcome: large residual DC balances if we only withdraw what’s needed to spend.

    Question:
    Would it be sensible to draw more from DCs early (using UFPLS at ~15% effective tax) and reinvest the surplus in S&S ISAs? This could:
    – Lock in withdrawals at basic-rate tax before DB/State Pension restrict allowances
    – Reduce the chance of paying higher-rate tax later
    – Diversify across ISAs (which we intentionally lack currently)

    Am I letting the “tax tail wag the investment dog,” or is this just  pragmatic tax-efficient planning?

    Cheers, Dunc

  • Question 3
    Hi, Thank you both for your financial wisdom! It has definitely lit a fire under me!

    My husband and I (41) would like financial independence at 50. We have received £120k early inheritance gift and also plan to sell 2 rental properties over the next 5 years to reduce commitments (a further approximate £250k post CGT)

    We are mortgage free and I have since filled our stocks and shares LISA and ISA, investing in 100% equity low cost global trackers.

    Other than investing the remaining in a GIA and transferring to ISAs each year are there any other options to help money grow over the next 9 years.

    We may continue to work at 50 but under our terms. We need sufficient to tide us over from 50-57 when we can consider access to Pensions and the LISA at 60.
    Thanks Amy

  • Question 4
    Dear Pete & Roger,

    Thank you so much for all the work you do on YouTube, on the Website and on the Podcast, it really does make a difference to people's lives and long may it continue!

    I'm 36 years of age, and I currently work as an Aircraft Technician, which I somewhat enjoy. However I find the older I get, the harder it is to keep up with the physically demanding nature of the job, and fear this may become more of an issue further down the line. This has prompted me to think about my future employment. Engineering has been my whole life, and my curiosity for learning and my persistent quest for personal development has resulted in me becoming a fully qualified Car Mechanic and Aircraft Technician. I have also achieved a BSc (Hons) in Motorsport Engineering & Design! However, my race car days are over, and in a way I feel like I have “completed engineering” to the best of my ability, and I am eager to take on a new challenge!

    I have always been interested in finance (some would say I talk about nothing else!). I've always kept on top of my own personal finance (thanks to yourselves), and try to encourage/empower others to take control of theirs. The past few months I have been thinking of self-studying (whilst remaining in my current employment) for the AAT Level 2+3 in Accountancy, however the more I think about it perhaps Financial Planning is more my cup of tea? I love working with numbers, working with and helping people, planning for the future etc, however I worry I lack the necessary confidence and people skills to become a successful advisor.

    So I guess my questions are:

    1. How do you become a Regulated Financial Planner?
    2. Is it possible to self-study for the CII Level 4 in Regulated Financial Planning whilst remaining in employment? Or would you advise against this?
    3. Are there any pre-requisites to studying for the CII L4 in RFP?
    4. Would an Accountancy role be more suited to someone who does not possess great people/communication skills?
    5. Could a RFP qualification open doors to work in industry as a FP&A as oppose to personal finance?
    6. Anything else you wish to add for clarity?
    Both your opinions are highly regarded. Keep up the great work!

    Kind Regards, Tom

  • Question 5
    To the wonderful Pete and Rog

    I am a long time listener with my husband .  the podcast and videos have been invaluable in developing our understanding of personal finance  – translating complex issues into an accessible format so that people like me can get to grips is a real skill and thank you sincerely!

    My husband and I are 53 and have quite late become parents to beautiful twin daughters who just started secondary school (and are learning how to slam doors and stamp feet… you know that age…) anyway back to us, we are both employed, my husband is a higher rate tax payer and I am on the lower rate band.

    Because of some specific issues with the kids development needs we have decided to prioritise their education and to put them in our local small independent school where there is excellent specific support for them.  They started in September and were paying £45k per annum.  just typing that number scares me!

    To support the fees we moved house and extended our mortgage.  This given us c100k for fees and alongside significant monthly savings out of our income (1.5k) has given us capacity to support the fees for the next three years, however it won't be enough to take them through to GCSEs.

    We're feeling weighed down by our mortgage which is now significant although supportable because of our salaries.  It leaves us very little capacity for savings or luxuries like holidays. We realise this is our choice!

    Up until this point we have been relatively disciplined paying into pensions.  My husband has DB pension scheme which will pay circa 50k a year from the age of 61 (he has been paying in since 21) and one of those good, connected DC pots which should have circa £350,000 in by 61.   the 350k can be used to provide the TFLS as it is connected to the DB scheme.  So, we know when my husband retires, we will have capacity to clear the current mortgage.  But this can only be accessed at 60+.  I have a smaller pot which is £180k currently.  I'm paying in £150 month which is as much as I can afford.

    We need to make a planning decision about how do we afford the 5 years of fees not just the next 3?  the decision is imminent as we have to renew our mortgage in the coming months.  We have we think two options (excluding selling a kidney or two).

    1. To further extend the mortgage. This will mean we push back possibility of retirement even further and will certainly use up all £265k of TFLS from husbands pension…. and gives us a problem of repayments – further squeeze. or
    2. we wondered whether we could use my pension fund? The idea we had was to use tax-free cash from my pension to support the fees. I will be 55 in November 2027 and we think we might be able to get c £50,000 to use as a TFLS.
    – Is the drawing my tax-free lump sum a real option? It feels like the only way we might access funds other than the mortgage.
    – what impact would that have on my pension does it mean I can't continue to contribute to the pot?
    – Finally, how might we evaluate the pros and cons of the two options?

    we suspect there is no right or wrong answer but if anyone can offer a few wise words it would be the dynamic duo – thank you're the best. Katherine

  • Question 6
    Hi Pete and Roger

    I love this show. There’s so much great information and it brings me comfort to know so many people are making similar decisions to me and I seem to be on the right path!

    My question is about property vs index funds.
    I am about to inherit about £100k and am wondering what to do with it.
    I invest in global index funds every month so would be comfortable DCA-ing (pound cost averaging) it in over a few months.

    But, I do not own a property. So, I could buy a 2-3 bed property in Kent with approx. £150k mortgage and rent out a room to take advantage of the rent-a-room scheme. I am fortunate that my job provides my accommodation so I do not pay ridiculous rent and so do not need a property.

    Would you choose index funds or property for growth over the next 10-15 years? I’m located in Kent.

    Thanks for sharing your thoughts. Ceara

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


Join the MeMo Facebook Group

Follow MeMo on Instagram

Follow MeMo on Twitter

The post Listener Questions – Episode 33 appeared first on Meaningful Money – Making sense of Money with Pete Matthew | Financial FAQ.



* This article was originally published here

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