Welcome to This Is Money podcast, sponsored by Charles Stanley Direct. I'm Georgie Frost and joining me and Simon Lambert today is Lee Boyce. And coming up, what would you do with a £50,000 windfall? Exclusive research shows that a lot of us would be too nervous to invest it. Would you? Also today, could you fall into the pension

inheritance tax trap? We outline how you may get caught out. And making the news this week,

the government has performed a winter fuel payment U-turn. Will you get yours back? We discussed that

leaked labour tax height plot. Simon speaks to the CEO of regulator off gem and Mastercard is to

£100 million to millions of customers. Are you eligible? Don't forget, you can self-date

with all the latest breaking money news just go to this ismoney.com.uk or download the app. Take control of your finances with Charles Stanley Direct, invest, save, coach or plan using technology

where it's helpful and people where it matters.

Our website and app make trading cost effective and flexible, but we're more than just an online

investment service. We're here for you,

regardless of your financial needs, or if your life takes an unexpected turn. Your finances,

your way. Take control today with Charles Stanley Direct. Sign up now. Investment involves risk.

But first, over the next 25 years, an estimated 5.5 trillion

is expected to be passed down from one generation to the next in the so-called Great Wealth Transfer.

For those who find themselves on the receiving end of significant sums of money, what will they do with it?

Well, exclusive data for this is money by Fidelity shows a lack of risk appetite means a large

chunk might be too nervous to invest this money, while others don't have a full understanding

of how to invest. So, what should you do with yours? Lee, Boyce, Simon Lambert.

Lee, to you first.

What's all this about?

You get 50,000 pounds.

You just spend it all, do you?

Oh, absolutely.

...