The Rest is Retirement
In this podcast we talk about achieving a happy and successful retirement by suggesting habits to abandon. We highlight the importance of prioritizing health, valuing time, and controlling spending. We emphasise the need to stop worrying about things that are beyond our control, avoid negative influences, and avoid over-supporting adult children. Furthermore, we encourage authenticity and embracing one's true self, while letting go of past regrets. We encourages readers to focus on living in the present and looking forward to a promising future.
Is this the way to beat tax?
Learn how to work in the UK while paying no income tax or national insurance by using salary sacrifice strategies.
This video https://youtu.be/uBX0UUi6qAc breaks down the mechanics of reducing your taxable salary to build a tax-free pension.
If you are looking to optimise your take-home pay while planning for the future, this approach offers a clear pathway to wealth accumulation. By restructuring your earnings, you can effectively lower your current tax burden while securing capital for your retirement. We explore the long-term trade-offs, including the reality of drawing from your...
Is a new passport tax coming?
Is a new UK passport tax plan threatening your financial future? Learn why this policy could be disastrous for UK retirement.
This video https://youtu.be/9ulUolPIYgY examines the potential implications of a passport taxation system currently being debated by UK think tanks and politicians. We analyze how such a shift in UK tax policy could create unintended consequences for individuals who have spent years building their long-term savings. If you are concerned about how legislative changes might impact your capital, this breakdown provides the context you need to understand the risks.
While...
Six habits to make or break a retirement
Discover the essential retirement habits that turn your golden years into a time of genuine purpose and daily satisfaction. Retirement is often sold as a permanent holiday, but without structure, it can quickly lead to boredom or stagnation.
This video examines the practical routines that help you avoid common retirement traps like mindless phone scrolling and the false promise of constant leisure. Instead, we focus on actionable steps to build a meaningful schedule. From the importance of learning to sit with your thoughts to the value of moving for just two minutes a day, these strategies are...
Why Your Current Emergency Fund Won't Save You in Retirement
Download the Companion Notes to The Retirement Course https://ko-fi.com/s/0cba536c01 Direct links to each part of the course are shown below:
01 Your Retirement Vision - https://youtu.be/0fpNLnnIMJQ
02 Retirement Milestones - https://youtu.be/ZbmXYu9Emgs
03 Emergency Funds - https://youtu.be/gM1RGKPp3XU
04 Managing Debt - https://youtu.be/pzuGa7CjR6M
The final year before retirement is your crucial final sprint to ensure a smooth, worry-free transition. While you've spent decades saving and planning, a standard working emergency fund isn't enough...
The Final Year Before Retirement: What You Can't Afford to Skip
Download the Companion Notes to The Retirement Course
https://ko-fi.com/s/0cba536c01
Direct links to each part of the course are shown below:
01 Your Retirement Vision - https://youtu.be/0fpNLnnIMJQ
02 Retirement Milestones - https://youtu.be/ZbmXYu9Emgs
03 Emergency Funds - https://youtu.be/gM1RGKPp3XU
04 Managing Debt - https://youtu.be/pzuGa7CjR6M
05 Budgeting in Retirement - https://youtu.be/H8o2kaAuhDI
06 Understanding Pensions - https://youtu.be/m5XB8V3Ibpw
07 Investment Strategies...
Retirement Isn't About Money—It's About This - Retirement Planning UK
Download the Companion Notes to The Retirement Course
https://ko-fi.com/s/0cba536c01
Direct links to each part of the course are shown below:
01 Your Retirement Vision - https://youtu.be/0fpNLnnIMJQ
02 Retirement Milestones - https://youtu.be/ZbmXYu9Emgs
03 Emergency Funds - https://youtu.be/gM1RGKPp3XU
04 Managing Debt - https://youtu.be/pzuGa7CjR6M
05 Budgeting in Retirement - https://youtu.be/H8o2kaAuhDI
06 Understanding Pensions - https://youtu.be/m5XB8V3Ibpw
07...
Should Wealthy Pensioners Give Their State Pension Back?
Full video. https://youtu.be/NUmiEuxujlU
Do you need to claim the UK State Pension? Many people believe their National Insurance contributions act like a private savings pot, but the reality of the UK’s "Pay As You Go" system is very different.
In this video, we break down how the State Pension actually works, why it is technically a government benefit rather than a contractual right, and what that means for your retirement planning.
We explore the often-polarising debate surrounding universal versus means-tested benefits. Should wealthy pensioners continue to claim the State Pension...
Finding Retirement Redemption on the Streets of Liverpool
Full video at https://youtu.be/EGm0i3hnSlA
Can you lose your identity when you stop working? In this video, I visit Liverpool to share the cautionary and inspiring story of "Mark," a corporate professional who successfully retired early, only to find himself on a dangerous path of day trading, gambling addiction, and eventual redemption.
This isn’t just a story about money or SIPP (Self-Invested Personal Pension) portfolios; it’s a deep dive into the psychology of retirement. We explore how a high-flyer can pivot from "investing" to "gambling" without even real...
Why Your Retirement Plan Might Be Wrong
This podcast explores the often-overlooked emotional and social challenges of transitioning into retirement. Through the story of Andy, learn why solitary projects and DIY goals can sometimes lead to unexpected isolation, and discover how community connection is the key to a fulfilling post-work life.
In this podcast, we cover:
[03:37] The potential pitfalls of over-ambitious DIY projects and retirement planning.
[07:21] How finding a local community group can shift your perspective when things aren't going to plan.
[11:13] The vital importance of human connection in avoiding retirement isolation.
[12:28] Practical tips for building a successf...
I Judge Retirees
Are you managing your retirement funds correctly, or are you sleepwalking into a trap? If I met you in the pub and we started talking pensions, within 2 minutes I could put you into one of three categories.
In this video, we break down the three distinct retirement mindsets I see in my data-driven research—and why two of them are quietly destroying your future wealth. Whether you are worried about inflation eroding your savings or you are tempted by high-risk "get rich quick" schemes, this video is the reality check you need for your UK retirement strategy.
7 Signs that you are ready to retire
If you awoke tomorrow morning and discovered you did not have to work another day in your life, how would you feel? Would you feel a sense of relief, or would you feel anxious and without purpose?
Your immediate reaction to that question indicates exactly where you stand on your retirement journey.
I ruined my podcast
I have made a right mess of this channel, it is not turned out the way I had planned.
Watch at
https://youtu.be/xxGZ3q7gm9k
Is your retirement on track
Original video
https://youtu.be/uDAs-qGqTnI
Earn Less to Save More.
We’ll break down how dropping your taxable footprint moves the 40% tax trap to a 20% during your retirement years, how salary sacrifice works, and the plan that transforms a heavy tax bill into financial freedom.
Worst 2 weeks of your life
These 2 weeks could be the most important thing you do for your retirement years, if things don’t go well they could also turn out to be some of the worst 2 weeks of your life.
Original video
https://youtu.be/2MzCoSvKe4Q
Organise your retirement finances
Original video
https://youtu.be/C4Vp1tyhZKM
Everyone talks about the traditional retirement model: you stop work, you draw your pension, and you hope the money lasts. But let’s face it, retirement planning in 2026 demands a more realistic, structured approach.
So today, we’re looking at a choice between a 2 pillar and a 3 pillar retirement plan.
The Government is stealing your retirement!
Original video
https://youtu.be/BJgTQ3KVahw
The "Keep Britain Working" review aims to keep us in the workforce longer. But behind the policy buzzwords, a structural shift is happening. The goalposts for your retirement and pension are moving.
We need to talk about Fiona
Original video
https://youtu.be/-6DJYR3L5LY
Is Fiona’s Pension Safe?
I have been chatting to one of my channel viewer recently and they are what I would calls a "buy and hold" equity investor. But lately, their SIPP looks a bit different. Fiona (not her real name) has been been moving a significant chunk of her portfolio into money market funds , speficailly ticker CSH2
Should you buy an annuity for your retirement
Annuity vs pension drawdown. In 2026 the choice is not as simple as it sounds.
Reform and your pension
Pension reform"— it actually has a massive impact on your retirement pot and mine.
You see, for years, we’ve been told that pension funds are the "safe" place. They buy government bonds, they keep things steady, and they make sure the money is there when you stop working. But the rules of the game are changing.
Fossilflation
The world is changing fast, and the old 'set and forget' retirement strategy is becoming a liability. Don’t be the couple on the sofa watching your purchasing power turn to stone.
Take 10 minutes this weekend to look at where your pension money actually lives. Is it in the past, or is it in the future?
Let me know in the comments—are you worried about the July energy spike? Have you looked at ethical funds, or do you think the traditional oil giants are still the safest bet? I love reading your debates.
Retirement and Grandparenting
Some retirement subjects are quite personal and difficult to talk about, but often the most important. This video discusses the unique dynamics of grandparents in a new generation. We explore the emotional moments and the importance of family communication and family values in this stage of life, offering some practical wisdom.
Gen X are retiring!
We've all heard about baby boomers and millennials, but what about those born between 1965 and 1980? This episode dives into the unique experiences of "generation x," often called the "forgotten generation." We'll explore the distinct "gen x traits" and the overall "psychology of gen x" that shaped those who grew up as "gen xers."
When to retire
Having mentally prepared since turning 50, I formally made the decision to retire early at 55. This video reflects on my journey, discussing the practicalities of early retirement.
ETF Underperforming? Here's What's Really Happening
Are you concerned that your HSBC ETF is underperforming and wondering what's really happening in the world of investing? This video takes a closer look at the current state of the market and explores the reasons behind the underperformance of HSBC ETFs. With the stocks market experiencing fluctuations, it's essential to stay informed and up-to-date on the latest trends and analysis to make informed decisions about your investments. By understanding the intricacies of investing and the factors that affect stocks, you'll be better equipped to navigate the complex world of finance and make smart choices about your portfolio. Whether...
At 65 these people started over
"Someday" is a dangerous word. We spend decades building careers, raising families, and keeping up with the "hustle." We tell ourselves that once we reach the horizon of retirement, we’ll finally unpack the boxes of dreams we’ve stored away. But what happens when that day actually arrives?
In this video, we explore the reality of pursuing long-deferred dreams at 65+. From the unexpected joy of baking sourdough to the quiet terror of being a "beginner" again after a lifetime of expertise, we’re looking at what it really takes to open those storage units of the...
Retired... Together. Send help!
Original video
https://youtu.be/UG6i2CeQa8Y
Today I'm tackling a topic that's been lurking in the shadows concerning couples and their relationships. This video isn't about divorce, but rather addressing common relationship problems and offering some practical relationship advice. We'll explore how to communicate with your spouse more effectively.
The pension debate : Hold cash or invest everything
Original video
https://youtu.be/iXhUm4I0zXM
I break down my personal pension portfolio strategy, using the well-known three bucket method for effective retirement planning. This approach emphasizes maintaining cash equivalents, like money market funds, in the first bucket. I also touch on differing views regarding holding cash as part of an overall investment strategy. I am not a financial advisor and any content on this channel should not be taken as financial advice. If you invest you may lose your capital.
Retirement: Who are you, when you are nobody?
Original video
https://youtu.be/WI_dgohYgWU
For 40 years, you've known exactly who you are. But now you are retired. This video encourages deep reflection and self awareness, crucial for happiness as you transition from a structured career. It's time to redefine your identity beyond previous roles.
£1 Million Pension, One Daughter, and a Difficult Choice
Original video
https://youtu.be/9VgNhURZxgY
Join Eric from Time to Retire as he discusses Tom's difficult decisions regarding financial management and his retirement planning. We examine the impact of taxes, particularly inheritance tax, on his estate planning. I am not a financial advisor and any content on this channel should not be taken as financial advice. If you invest you may lose your capital.
Are you sophisticated?
It's not a question we like to ask ourselves but it could be vitally important.
Is your pension at risk from poor investment decisions?
Fo you really understand investment diversification?
Original video
https://youtu.be/S78QeWgCeE8
50 with no pension! WTF!
Original video
https://youtu.be/DISReGEHGF4
Are you approaching 50 with no pension in sight? This alarming reality can be daunting, but it's essential to take control of your financial future. In this video, we'll explore the challenges of reaching 50 without a pension and discuss potential strategies to get your retirement planning back on track. From understanding your financial options to creating a plan for a secure future, we'll cover it all. If you're worried about your retirement prospects, this video is a must-watch. Discover how to take the first steps towards building a safety net...
Biggest change to pensions in decades!!
Video at https://youtu.be/w0ZFTcoToQ0
Get ready for the most significant update to pensions in decades. This groundbreaking change is set to impact millions of people, bringing about a new era in retirement planning and financial security. In this video, we'll delve into the details of this monumental shift, exploring what it means for you and your future. Whether you're nearing retirement or just starting to plan, understanding these changes is crucial for making informed decisions about your pension. Stay ahead of the curve and find out how this change will affect your financial future...
Shorting the Market: My Freetrade SIPP Experience
Original video
https://youtu.be/gdBKY1FsqCk?si=8dh5sMoYxhO-tn5N
In this ppodcast I share my personal experience with shorting the market using my Freetrade SIPP, a type of pension scheme in the UK that allows individuals to make investments and save for retirement. As someone interested in personal finance, I have been exploring various investing strategies, including using my SIPP pension to diversify my portfolio. I discuss the pros and cons of using short positions for SIPP investments, and how it has impacted my overall approach to investing in the stock market. If...
Self-Invested Personal Pensions
I am not a financial advisor and any content on this channel should not be taken as financial advice. If you invest you may lose your capital.
Avoid these common SIP mistakes when starting a Self Invested Personal Pension. Remember that retirement planning requires careful consideration and a solid financial planning strategy. Achieve financial independence by avoiding these self invested personal pension errors and making smart investing decisions.
Avoid these pension investment mistakes
Original video
https://youtu.be/wXiuniDmuCM
I am not a financial advisor and any content on this channel should not be taken as financial advice. If you invest you may lose your capital.
Avoid these common SIP mistakes when starting a Self Invested Personal Pension. Remember that retirement planning requires careful consideration and a solid financial planning strategy. Achieve financial independence by avoiding these self invested personal pension errors and making smart investing decisions.
They are skimming billions from your pension
Vidro at https://youtu.be/wMfcDhSEUUI
I am not a financial advisor and any content on this channel should not be taken as financial advice. If you invest you may lose your capital.
Discover how hidden investment fees can impact your pension savings and overall financial security. This video offers essential retirement advice, helping you to build a solid retirement strategy through effective financial planning. Start retirement saving today to safeguard your future.
Don't Panic About Retirement Yet!
Video at
https://youtu.be/vFk4fRhC1uo
Are you worried about your pension savings and feeling overwhelmed by the thought of retirement? Don't panic about retirement yet, as achieving financial independence and freedom is more accessible than you think. In this video, we'll discuss the importance of retirement planning and how to calculate how much you need to retire early, a key concept in the fire movement. By taking control of your personal finance and making informed decisions, you can work towards retiring early and enjoying the financial freedom you deserve. We'll explore strategies...
3 Big Mistakes That Can Ruin Your Retirement
Original video at
https://youtu.be/q5cAd0wctCE
I am not a financial advisor and any content on this channel should not be taken as financial advice. If you invest you may lose your capital.
Discover common mistakes people make in retirement planning that can jeopardize your financial security. Avoid these pitfalls for a stress free retirement by implementing sound retirement strategies. Watch now for essential retirement tips to help secure your future.
Surprising ways to increase your income in retirement
Figuring out your retirement income can be confusing, but understanding your social security benefits is a great way to start your retirement planning. Many people don't realize all the options available for pension planning and how to maximize income in retirement. Ensure solid financial planning for a comfortable future. See the full retirement course at time2retire.co.uk Check your State Pension https://www.gov.uk/check-national-insurance-record
Debt
Debt and retirement are not a good mix. This is a sample section from my retirement course at www.time2retire.co.uk/challenges
