Andy talks about the recent Nottingham meet-up in the news. What is a meet-up? Who attends? What do they talk about? And what do they get out of it? Meet-ups are a big part of our community and a chance to meet and chat to people in comfortable surroundings.

We then have Michael, one of the attendees, as this podcast's guest interviewee. He had a career in the forces but then decided to switch into the private sector and then retired early with a combination of a defined benefit forces pension and a defined contribution one from his time working after leaving the forces. What were the challenges? And what is he doing now?

In the Q&A we talk about some of the issues around end of year capital gains tax harvesting, which can be useful for people with substantial sums in taxable general investment accounts.

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