Hi folks and welcome to the Mean for Money Podcast. This is season 25, episode 12.

Yes, hello once again, great to have you with us. And when I say us, I mean me and the main man, Roger Weeks, has it gone bad?

It's going very well, thanks Pete.

And the proof of what we're doing is coming at my children in a minute. Is this great?

Yeah, because some Holly and her husband, Sal, are now looking at looking for houses and they've

built up a nice lice for themselves. Have they? Yeah. And Kate is looking, as you know, just bought

herself a camp for a van or a van to be converted to a camper by yours truly. And she had the cash put

aside in the savings account already for it. It must be very proud. I told them well.

Yeah, it's taught me well. Actually, I learned a lot of these things from you as well and my wife,

really, I don't know what quality fans need to be doing this. But anyway, let's move on.

A bit of training. Yeah, today we're going to be talking about the Danger Zone.

We're trying not to do that too often because if people are driving,

it drives off the road, but you couldn't do an episode about the Danger Zone and not use that song,

surely. No, no, no, it's not at all. What does it mean? Well, it's a period of time when you're

flying a jet and no, no, no, it's a period of time from when you retire to when all your available

income sources are coming in, usually the time of your state pension. So there's a period

there somewhere where you've not got your full maximum income comes with order pay for your retirement.

Yeah, often, obviously not the case if you don't retire until state pension age, but many people will.

And that's often the period that we are working very closely with clients to sort of manage

things through that sort of Danger Zone period. It's dangerous because it's the periods where you'll

have the best health and obviously you're going to want to enjoy that and you're going to want to

spend your money accordingly. But we need to bounce spending now. We're still being able to spend

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