Today I am joined by repeat guest and financial planning legend, Chris Budd. He has a new book called the Four Cornerstones of Financial Wellbeing and it’s a very helpful read for anyone struggling to keep money in its place, or with the effects that money can have on our mental health.   Shownotes: https://meaningfulmoney.tv/session533 

Today we’re rounding off Season 27 by covering the last of our big ideas - and it’s one of the raisons d’etre of Meaningful Money, that most people don’t need advice. Shownotes: https://meaningfulmoney.tv/BI10 

Today we’re covering the ideal order of financial priorities, something Pete and Rog learned early on in their financial planning training. The order was summarised by the acronym PIPSIO Protection Income Protection Pensions Savings Investments Other PIPSIO is nothing more than a useful mnemonic, but it really does serve a purpose. I still remind the advisers at Jacksons of it now and again. Shownotes: https://meaningfulmoney.tv/BI9

Today we’re covering a classic piece of financial advice - definitely a Big Idea of investing: Time IN the market, not timing the market! Shownotes: https://meaningfulmoney.tv/BI8  

Planning is - or should be - the framework for all financial decisions, but it is misunderstood by many. Hopefully this episode will explain a little about what planning is, how it works and how to go about it. Shownotes: https://meaningfulmoney.tv/BI7 

Today we’re going to be talking about the importance of prioritising today in your finances. That might sound counterintuitive to some, but we’ll put some nuance on it and try and give you some practical things you can do when faced with the dilemma of whether to use your money today or put it away for the future. Show notes: https://meaningfulmoney.tv/BI6 

Today we’re talking about Behaviour and why really, it’s ALL about that when it comes to being financially successful. Show notes: https://meaningfulmoney.tv/BI5 

We’re continuing our Big Ideas season, talking about the overarching concepts that govern our understanding of money and how to use it. Today’s subject is: Looking after Number 1. Shownotes: https://meaningfulmoney.tv/BI4 

This week’s Big Idea is Simplicity - it’s so important to keep your finances as simple as possible for the reasons that we’ll cover today! Shownotes: https://meaningfulmoney.tv/BI3 

Today we’re going to look at arguably the biggest of big ideas - the magic of compounding. Einstein said: “Compound interest is the eight wonder of the world. He who understands it, earns it; he who doesn’t pays it” - We reckon that makes it an important subject! Shownotes: https://meaningfulmoney.tv/BI2

Today we kick off a new season which we’re calling Big Ideas. The thinking is that we’ll deal with some of the big, overarching principles of personal finance, and show you how to put them into practice. Shownotes: https://meaningfulmoney.tv/2024/01/24/big-ideas-businesses-and-bricks/

The Simple Path to Wealth is the most distilled, purest book on wealth-building I’ve found and I still recommend it all the time. Now the author, JL Collins, has followed up with a new book called Pathfinders, which is full of stories of how people have taken the teaching in the Simple Path, and applied it to their lives. Shownotes: https://meaningfulmoney.tv/session522 

Today, we’re talking about Financial Planning Priorities and recounting some examples where we have made sure that people got things in the right order…   Show Notes: https://meaningfulmoney.tv/RS10 

Today we’re going to talk about Equity Release, and contentious subject for some but a useful tool in financial planning for older folks who are asset-rich, but cash-poor. We’ll recount a couple of real stories from our own experience as advisers and then go over what you need to know and do about using Equity Release for your own financial planning or for your older family members, perhaps.   Shownotes: https://meaningfulmoney.tv/RS9 

Today we’re going to consider the Shape of Retirement and how it doesn’t have to be the traditional work-for-40-years-then stop model that has been the norm for most of the last century. We have some simple examples of how clients have done that and also some salutary warnings. Show Notes: https://meaningfulmoney.tv/RS8

Today we’re going to look at some real stories around pension planning, but not your usual run-of-the-mill pension planning! We’re going to look at SIPPs and SSASs and how we’ve used them to move our clients’ financial plans forward.   Shownotes: https://meaningfulmoney.tv/RS7 

Today we’re going to be talking about preparing for death, which doesn’t have to be as morbid as it sounds! But we have to face it, and preparing well for the day we shuffle off this mortal coil is an important part of being intentional about our finances. Shownotes: https://meaningfulmoney.tv/RS6

Today we’re going to look at some work that we’ve done for clients in the area of estate and inheritance tax planning, and draw some lessons that might be useful for you in the same area. Show notes: https://meaningfulmoney.tv/RS5  

Today we’re continuing in our Real Stories season and we’re going to talk about Protection - talking about the life insurance, critical illness cover and income protection that underpins any financial plan.   Shownotes: https://meaningfulmoney.tv/RS4 

Today we’re going to be asking the question How much is enough? And we’ll go over some real stories of when we’ve helped clients answer that question. Show Notes: https://meaningfulmoney.tv/RS3 Retirement Investing Cheatsheet: https://meaningfulmoney.tv/retirementinvesting 

This week we want to look at one Real Story of a planning journey with a client that has seen some highs and lows. It’ll demonstrate the power of a relationship with a trusted financial planner, and also what can go wrong when someone tries to get too clever. Shownotes: https://meaningfulmoney.tv/RS2 Investment Cheatsheet: https://meaningfulmoney.tv/investment

Today we begin a new season which will be a bit different, because we’re going to cover some real stories from our years in the financial advice profession. The idea is that the first part of each episode will be going over one or more examples of real client situations and in a particular area of financial planning - all anonymised of course - and from those we can draw some lessons and other salient points for your information and action.   Shownotes: https://meaningfulmoney.tv/RS1 

Today I’m chatting with Dave O’Sullivan, a listener who got in touch wanting to share his decades of knowledge of and experience in the car trade. We’re going to discuss some key points about buying a car - one of the biggest purchases most of us ever make.   Shownotes: https://meaningfulmoney.tv/session511 Car Buyer's Guide: https://meaningfulmoney.tv/wp-content/uploads/2023/09/Used-Car-Buyers-Guide-2023.pdf 

Today I’m chatting with a colleague, a fellow financial planner, Alasdair Walker. It’s a conversation between fellow nerds really, specifically about Alasdair’s involvement with the UKPF Reddit community. Shownotes: https://meaningfulmoney.tv/session510