So far we’ve covered budgeting – the thing that underpins it all, and also the essential emergency fund – putting a buffer between ourselves and whatever the world can throw at us. It might seem logical now to go on to talk about paying down debt, but according to the UK Personal Finance Flow Chart, there’s a step before that, and we absolutely agree that this is in the right place – we need to talk about PENSION CONTRIBUTIONS
Season 25 – Finance OS
- Introduction
- Budgeting
- Emergency fund
- Pension enrolment
Everything You Need To KNOW- Auto-enrolment and workplace pensions.
- Pensions are VERY tax-efficient.
- Workplace DC pensions.
Everything You Need To DO
- Do Nothing (stay enrolled).
- Get the maximum employer match, if you can afford it.
- Optimise the underlying funds.
- If you’re self-employed.
- Know your SIPP from your PPP.
- Consolidate older pensions.
- Paying off expensive debts
- Completing the foundation of insurance
- Goals – Part 1
- Goals – Part 2
- Approaching retirement
- At retirement
- Retirement early years – The danger zone
- Retirement reviews
- Later life
- Question and answer session
At the end of the season we’d like to tie things off with a Q&A session, answering the key questions that you ask throughout. hello@meaningfulmoney.tv SUBJECT LINE: Season 25 Question or similar. We’ll sort them and try to answer as many as we can, but likely we’ll pull out themes and deal with them. If the outline we’ve gone over today raises any questions, get them in now – we can also answer them as we go along. If we get tons of Qs we can always do two Q&A sessions.
