Hi folks, and welcome back to the Meaningful Money Podcast.

This is season 22, episode 1.

Yeah, welcome back one and all to another new season of your very very favorite personal finance podcast.

It's great to have you all with us once again.

Oh, wait, what's that? Did I say back with us once again?

Yes, I couldn't keep him away. Welcome back my esteemed and very attractive co-host Mr Roger Weeks.

Thanks Pete. I can't believe you've called me back for this.

We were saying before we hit record that we both feel like this is going to be really rusty because it feels like a long time since we sat down to do this.

Never mind. Never mind. It's going to be fine, isn't it?

Yeah, it's a bit easy. No problem at all.

So this season focus is called this or that, alright?

And in each episode we're going to be looking at a particular sort of this or that scenario.

Now, spoiler alert, there are very very few binary questions and answers when it comes to financial planning

because there's millions of people and everyone has a unique situation.

But even if the likely conclusion of most episodes is going to be, well, it depends.

We're still going to take some time to consider pros and cons, costs and benefits,

all that sort of stuff as we go along, just to try and give you some guidance through these things.

So that's where we're going.

Yeah, and as usual, after the main body of each show, we'll read a review that's been left by a avid listener.

Answer the question and announce the next session topic.

Usual drill. Okay, so this week's this or that question is whether to overpay your mortgage or invest.

So you've got some spare money each month or maybe a little bit of a lump sum that you've come into.

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