Happy new year! Hands up who's glad to see the back of 2022? Yeah, me too.

Not that there wasn't some good stuff going on. It's just, well, there have been better years.

Right, but there's plenty to look forward to in 2023.

And I wanted to give you a bit of a heads up as to where we're going here at meaningful money

in the next 12 months or so. And I want to ask for your help.

Hi, and welcome back to the channel. My name is Pete Matthew and I'm a chartered financial

planner based here in the UK. If you're new to this channel, this episode might not be a bad place

to start, actually. There are 440 of no videos like it, where I cover pretty much every subject

when it comes to financial planning. For those of you that are listening to the podcast,

and you're wondering why I'm talking about videos while I'm just reusing the audio for this one.

But there are 475 more podcast episodes to download. So there's lots for you to be going on with.

Every Friday, the meaningful digest email newsletter goes out to over 10,000 people.

So really personal thing going over what I'm thinking about,

what I'm watching, listening to, and reading, and giving you a peek behind the scenes

of what it takes to keep the channels going. And then there is meaningful academy, which is my

personal finance courses for folks at different stages of their financial journey,

from the foundations of debt elimination and budgeting through investing and wealth protection

all the way to planning the perfect retirement. So I want to ask for your help in making meaningful

money even better in 2023. But before I do that, I wanted to give you my three words for 2023.

And these will be the guidelines that I'll consider when I'm creating this year's content.

The first word is simplicity. The longer I do my job, advising clients with pretty complex affairs,

the more I've come to understand that keeping things simple avoids so many pitfalls,

...