The Retirement Café Podcast

I always love catching up with my good friend and fellow financial planner Pete Matthew—especially when we get to record it for The Retirement Café Podcast. You may have heard Pete on the podcast before (this is his third appearance!) or seen him on his hugely popular Meaningful Money YouTube channel. We've even swapped mics—I've joined his show twice too! We both share a mission: helping people retire with clarity, confidence, and purpose. This time, Pete's back to talk about his brand-new book The Meaningful Retirement Guide. It's packed with straightforward guidance on how to organise your finances in retirement—so you can get on with living the life you've worked hard for. In our conversation, we cover: The biggest mistake people make when planning their retirement Why Pete has no plans to stop working—ever! How one man turned volunteering into a paid role that transformed his retirement plan The shift from saving to spending (and why it's harder than it sounds) What your money is really for As always, I hope it gives you a helpful nudge toward the kind of retirement you truly want. For those who want to go further, Pete offers a self-paced Retirement Planning Course through his Meaningful Money Academy. The course includes video lessons, downloadable tools, access to financial planning software, and a supportive online community. Use the code PODCAST for a discount. USEFUL LINKS 📘 Buy Pete's latest book, The Meaningful Money Retirement Guide: https://amzn.to/440BpkP 🎓 Explore the Meaningful Money Academy: https://meaningfulacademy.com/ Connect with Pete: YouTube: https://www.youtube.com/@MeaningfulMoney LinkedIn: https://www.linkedin.com/in/petematthew/ Thanks for checking out my podcast - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. CONNECT WITH ME ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 📘 Download the first 3 chapters of The Retirement Café Handbook: https://keap.page/wb198/rch-download-chs-1-3-lp.html 👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ ⚠️ This podcast is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first!

Dr. Daniel Crosby is a psychologist, behavioural finance expert, and New York Times bestselling author, who joins me to discuss his latest book, The Soul of Wealth. Dr. Crosby, known for his groundbreaking insights into how psychological factors influence financial decisions, shares how his book explores the balance between monetary wealth and what he calls "soulful wealth"—the richness found in relationships, health, and personal fulfilment. With 50 short, actionable essays, The Soul of Wealth serves as a practical guide for those looking to rethink their relationship with money and align their finances with what truly matters in life. During our conversation, Daniel discusses key insights from his previous books, showing how behavioural finance helps retirees make smarter, goal-driven decisions. We explore how emotions can undermine financial success and how understanding our behaviour leads to better choices in retirement planning. From mastering delayed gratification to spending in ways that boost happiness, Daniel shares practical advice for redefining wealth beyond just pounds and pence. USEFUL LINKS Standard Deviations Website: https://www.standarddeviationspod.com/ Standard Deviations Podcast: https://www.standarddeviationspod.com/episodes Daniel's YouTube Channel: http://www.youtube.com/@drdanielcrosby Buy Daniel's books: The Laws of Wealth - https://amzn.to/3YqmrCW The Behavioral Investor - https://amzn.to/3UaRgJq The Soul of Wealth - https://amzn.to/3Ud0dSx Connect with Daniel on LinkedIn https://www.linkedin.com/in/danielcrosby/ ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl 👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

I'm thrilled to have with us a guest whose work has profoundly shaped the way we think about time, productivity, and living a meaningful life. Oliver Burkeman is a renowned British journalist, author, and former columnist for The Guardian, best known for his groundbreaking book 4,000 Weeks, Time Management for Mortals. I loved this book and am honoured that Oliver joined me to share his story and research, and to introduce his latest book, Meditations for Mortals - Four Weeks to Embrace Your Limitations and Make More Time for What Counts, which has sparked a global conversation about the finite nature of our lives and how we can make the most of our limited time, especially as we enter the later stages of life. We chat about how life's too short to wait for the "right" moment, especially for retirees and soon to be retirees, and Oliver urges us to live meaningfully now—not later. After all, time is finite. USEFUL LINKS Oliver's website: https://www.oliverburkeman.com/ Oliver on LinkedIn: https://www.linkedin.com/in/oliver-burkeman-51651b21a/ Oliver on X/Twitter: https://x.com/oliverburkeman Meditations for Mortals - Four Weeks to Embrace Your Limitations and Make More Time for What Counts book on Amazon: https://amzn.to/46Xa1oY ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl 👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

Today, we're diving into the perplexing topic of why more people don't buy annuities to provide a guaranteed income in retirement, and who better to have this conversation with than Billy Burrows. Billy is a highly regarded financial adviser with over 30 years' experience and founder of the Retirement Planning Project which aims to make it easier for people to get information and help on all aspects of retirement planning. In our conversation Billy and I explore some of the reasons that deter potential annuity buyers from securing their retirement income, explain mortality drag and mortality cross subsidy, plus why buying annuities in stages can be beneficial. We also discuss the impact future government policies could have upon pensions and annuities – in light of the upcoming general election. USEFUL LINKS Find out more about Billy: www.williamburrows.com Billy on Twitter / X: https://x.com/BillyBurrows Billy on LinkedIn: https://www.linkedin.com/in/billy-burrows-6ab1521a/ Billy's previous episodes on the podcast: Pension freedoms: https://www.theretirementcafe.co.uk/episodes/pension-freedoms Annuities: https://www.theretirementcafe.co.uk/episodes/william-burrows Pension income options – annuity versus drawdown: https://www.theretirementcafe.co.uk/episodes/179-annuity-billy-burrows ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl 👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

Do you believe you can heal faster just by tricking your brain? Could you lose weight with only a change of mindset? Could you think yourself into being younger? Can the power of your thoughts defy ageing? In short, have you ever wondered if you could improve your health by harnessing the power of your mind? When it comes to our health, too many of us feel trapped by a medical diagnosis, believing that it can only mean a static or worsening condition. Whether it is stiff knees, frayed nerves or failing eyesight, your mind can lead you to believe things will only get worse. But this week's guest has proven through decades of scientific research that with practical steps you can take control of your mindset, by using your thoughts and perspective to help improve your wellbeing. Award-winning social psychologist Professor Ellen Langer has been studying the connection between the mind and body for over 4 decades as an esteemed psychologist at Harvard. Known as the "mother of mindfulness", she is the author of 13 books, including her most recent release Mindful Body - Thinking Our Way to Lasting Health, which will help you navigate a path to improved health and wellbeing. We also explore the concept of risk as a personal phenomenon and its impact upon how we approach retirement planning. USEFUL LINKS Buy 'The Mindful Body' on Amazon: https://amzn.to/3Ncd8QU Professor Langer's website: https://www.ellenlanger.me/ Professor Langer on LinkedIn: https://www.linkedin.com/in/ellenjlanger/ Professor Langer on Twitter/X: https://twitter.com/ellenjl Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. CONNECT WITH ME ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/@TheRetirementCafe/?sub_confirmation=1 📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8 🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

📘 My new book The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, is out now! Get ready for a format twist this week on the podcast as I switch roles from host to guest. I'm absolutely thrilled to introduce none other than the incredible Pete Matthew, a dear friend and fellow Chartered Financial Planner, who's taking the reins as my guest host. Now, if the world of personal finance sets your heart racing, then Pete Matthew needs no introduction. He's the mastermind behind the ground-breaking Meaningful Money podcast, a powerhouse with over 500 episodes under its belt. What's more his YouTube channel, also named Meaningful Money, boasts an astounding 86,000 subscribers, so you will likely recognise Pete's face or voice from somewhere. You may have heard me mention over the past couple of weeks that I've written a new book. It's called The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, and it officially launches today! Race over to Amazon and order your copy pronto. As the tables turn in this episode, Pete takes the lead and grills me about the journey that led to the creation of this book. We dive into the creative process, how this podcast was the inspiration, and I share how I hope this handbook will transform countless lives by paving the way to a truly meaningful retirement. Get ready, also, to discover the bedrock of my framework—the three pivotal levers of purpose, self-care, and planning. USEFUL LINKS 📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8 Find out more about The Retirement Café Handbook: https://www.theretirementcafe.co.uk/ Follow Pete Matthew: LinkedIn: https://www.linkedin.com/in/petematthew/ Twitter: https://twitter.com/PeteMatthew Meaningful Money YouTube channel: https://www.youtube.com/@MeaningfulMoney CONNECT WITH ME ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 📘 Download my first book for free, Ready, Steady, Retire: https://wb198-89a1ad.pages.infusionsoft.net/ https://www.theretirementcafe.co.uk/ 👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

Pre-order my new book 'The Retirement Café Handbook – Nine Accelerators for a Successful Retirement': https://amzn.to/3Q686I8 In this week's podcast, Dr Martin Hyde is making getting old sexy. Martin is a renowned gerontologist. In our conversation we delve into what being a gerontologist actually means, and Martin debunks the misconception that studying older individuals is uninteresting or uninspiring. Martin has collaborated with researchers from around the globe, allowing him to explore the diverse experiences of aging in different countries and among various groups of people. His work has truly become an exciting area of research, keeping him continually curious and eager to learn more about the complexities of aging. Remember, that getting old also impacts the young! Martin highlights the importance of looking at your whole life course, so you plan for what it takes to be old and happy. I hope our conversation will open your eyes to how the perception of getting old does not match reality. USEFUL LINKS Connect with Martin: LinkedIn: https://www.linkedin.com/in/martin-hyde-5815ab42/ Twitter: https://twitter.com/HydeM1976 Reach Martin at Swansea University: https://www.swansea.ac.uk/staff/martin.hyde/ Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. CONNECT WITH ME ✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 📘 Download my book for free, Ready, Steady, Retire: https://wb198-89a1ad.pages.infusionsoft.net/ https://www.theretirementcafe.co.uk/ 👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP ⚠️ This video is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first!

Reading is a huge passion of mine as I am really interested in the insight of others. I love to learn about people's stories and their lives. I'm driven to read due to a fascination of people's journeys. In this episode I am sharing with you my must reads for this summer, in my view these books are interesting, insightful and provide much food for thought – I hope you will agree! I have also suggested some YouTube videos & podcasts, both are a valuable resource to me and provide access to some great minds and points for discussion. So lay back on your sun lounger and enjoy working your way through my recommendations, and don't forget to let me know what you think. You can email me at hello@theretirementcafe.co.uk or use the links below to connect. USEFUL LINKS How They Succeeded Life Stories of Successful Men Told by Themselves, by Orison Swett Marden (98p on Kindle) https://amzn.to/46q0t50 The Path of Least Resistance: Learning to Become the Creative Force in Your Own Life, by Robert Fritz (on Audible) - https://amzn.to/3Xu40uU A Man for All Markets: From Las Vegas to Wall Street, How I Beat the Dealer and the Market, written by Edward O. Thorp - https://amzn.to/3CRUEzJ Change Your Brain: Neuroscientist Dr. Andrew Huberman | Rich Roll Podcast, on YouTube: https://youtu.be/SwQhKFMxmDY Walter Isaacson Elon Musk Twitter Space FULL – Video on YouTube: https://youtu.be/-yhuiovST4A Steve Jobs: The Exclusive Biography, by Walter Isaacson - https://amzn.to/44j7V0x Leonardo Da Vinci, by Walter Isaacson - https://amzn.to/3Ny36sJ Practical Tax Planning For Property: Jargon-free advice for investors and developers, by Alan Pink - https://amzn.to/46qnswN The Essays of Warren Buffett: Lessons for Corporate America, by Lawrence A Cunningham, Warren Buffet - https://amzn.to/3NUiuRy Podcast: The Diary of a CEO with Steven Bartlett, on Apple Podcasts - https://podcasts.apple.com/gb/podcast/the-diary-of-a-ceo-with-steven-bartlett/id1291423644 CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Download my book, Ready, Steady, Retire: https://wb198-89a1ad.pages.infusionsoft.net/ https://www.theretirementcafe.co.uk/ 👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

This is an information-packed episode! Kurt is a Partner at Lester Aldridge solicitors based in their Bournemouth office and heads up the Tax, Trusts, Wills and Probate team. Kurt was my first ever podcast guest at the Retirement Café back in 2018 and this is his third appearance. Today we are exploring tax and estate planning and how you can plan ahead in your retirement. In our conversation we chat about the challenge presented by delays at various Government departments and the steps you can take: -Registering Lasting Powrs of Attorney with the Office of the Public Guardian -Applications to the Court of Protection -Managing with delays to Probate -Dealing with HMRC. We also explore Inheritance Tax Planning, the difference between owning your property in joint tenancy or as tenants in common, and how to protect yourself from unscrupulous estate planning companies. You'll even hear how to create a 'Dying Tidily' log! USEFUL LINKS Get in contact with Kurt: https://www.lesteraldridge.com/our-people/kurt-lee-partner/ Kurt's previous episodes on the podcast: 002 Avoiding Inheritance Tax traps: https://www.theretirementcafe.co.uk/episodes/kurt-lee 018 Make sure your estate qualifies for the Residence Nil Rate Band: https://www.theretirementcafe.co.uk/episodes/residence-nil-rate-band Search the Land Registry: https://landregistry.uk/title-documents CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Download my book, Ready, Steady, Retire: https://wb198-89a1ad.pages.infusionsoft.net/ https://www.theretirementcafe.co.uk/ 👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP ⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

The FCA has issued a warning about the mismanagement of Asset Protection Trust Schemes. They're concerned about the number of firms mis selling trusts on behalf of Trustees who don't understand what they're invested in or what benefits the trusts actually provide. Asset Protection Trusts are trusts into which you typically transfer assets, often including your home, during your lifetime. Some people fall victim to unscrupulous or unqualified advisers who suggest these trusts provide specific protection from Inheritance Tax or are a good place to shelter your assets from any liability for paying care fees. In this podcast episode, learn about the common traps people fall into when setting up Asset Protection Trusts, the genuine benefits they offer and reasons to consider one, and how to check whether your trust is suitable for you. USEFUL LINKS FCA's ScamSmart website: https://www.fca.org.uk/scamsmart Society of Estate & Trust Practitioners: https://www.step.org/directory/members ✔️ Subscribe to my Channel here https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1 🎙️ Subscribe to The Retirement Café Podcast here https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448 CONNECT WITH ME Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully. 📘 Download my book, Ready, Steady, Retire: https://wb198-89a1ad.pages.infusionsoft.net/ https://www.theretirementcafe.co.uk/ 👉 Get my weekly newsletter: https://bit.ly/MFPnews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP This video is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first!

In this episode Kathy & Justin chat about the important changes to the lifetime allowance announced in the Chancellor's budget in March. It's fair to say that the extent of the changes has taken the financial advice sector by surprise. It was widely anticipated that the lifetime allowance would be increased, but not fully abolished. We aim to clear up any confusion about what this latest change to pensions legislation means for you, by reminding you first of the annual allowance rules and when the Tapered Annual Allowance and Money Purchase Annual Allowance take effect. The contribution limits for these two allowances have increased from £4,000 to £10,000, so it's important to understand if you're affected. We also go into detail about the impact of scrapping the Lifetime Allowance Tax Charge, the change to tax-free cash levels (also known as the Pension Commencement Lump Sum), the anticipated scrapping of the Lifetime Allowance itself, and what this means if you have fixed protection in place. We don't have all the answers as yet, so this episode covers what we know to date.

Robin Wigglesworth is editor of FT Alphaville, the Financial Times' financial blog, where he focuses on the biggest trends reshaping markets, investing and finance across the world. Robin is also the author of a book called 'Trillions – How a Band of Wall Street Renegades Invented The Index Fund and changed Finance Forever'. It's been described as the definitive book on the past, present and future of passive investing. Trillions is a riveting read for anyone interested in the story of index funds, which is a topic I've discussed with several guests on the podcast over the years. Robin describes the index funds as one of the most disruptive inventions in the history of investing and he joined me on the podcast to explain why, with humorous anecdotes and stories, including Warren Buffet's famous bet against any active manager to beat the index over a 10 year period. We also chat about a concept known as index hugging or closet indexing, different types of index funds available, where Robin shares the story of value stocks, and how building a judicious portfolio can help make for a successful investment experience. Oh, and Robin shares the secret of FT Alphaville's success (it's free!).