Jeremy and Tom mull over some seasonal questions recount the best Christmas presents from the past, and chat about the best way to have a peaceful and tranquil festive time.

Jeremy Squibb and Tom Desborough talk about long term family financial planning and appreciating those around you. 

Additional topics include 

• Dealing with the stone in your shoe
• Should I  invest in cryptocurrency
• How long should I fix my mortgage for 

Jeremy Squibb and Tom Desborough look towards Christmas, how to remove the stress of paying for it, and what the best thing to buy is - whether it is an experience or a gift.

Additional topics include:

• How much insurance do I need?
• Long or short term mortgage?
• Should I move my parents' bonds?
• Should I transfer a Child Trust Fund into a Lifetime ISA

Jeremy Squibb and Tom Desborough answer those key questions about your pension - what happens when : you die, you retire, you change jobs, you get divorced.  Once that is sorted, the next big question this week is 'what is there to retire to?' - when should you retire, what should you do?

Extras :

• Should I gift out of my estate to save Inheritance Tax?
• Why is there no charge for staying in a Nursing Home?
• Should I take a dividend and pay it into my pension?

Jeremy Squibb and Tom Desborough answer the key question - why should I pay for financial advice (all is not all it seems) and developing mini habits - things which are too small for you to fail at.

Extras :

• What's the best way of buying a property with my daughter?
• How (or should) I stop my money being used for care fees?
• Should I join my employer's sharesave scheme?

Jeremy Squibb and Tom Desborough explore what you would do if all jobs paid the same - what would your choice be.  It's only a drop of ink?  Tom & Jeremy analyse why a single word can cause us to dwell on it, and why, from the 86,400 seconds in a day, just  a few of those can cause so much waste in the rest.

Extras :

• Should I take a lump sum or a higher income from my pension?
• Should I buy a direct share offering?

Jeremy Squibb and Tom Desborough reflect on why good financial planning can be like an episode of the Netflix show Black Mirror, before moving on to discuss Imposter Syndrome and why so many people feel they are not good enough, or simply think they are just winging their way through life.

Extras:

• I'm not married, have children, but no will - what's the problem?
• Is now a good time to invest?

Jeremy Squibb and Tom Desborough discuss how redundancy may impact on your pension and explore how commuting impacts on your mental health and happiness, before answering the big question - how much is a Raleigh Chopper worth?

Jeremy Squibb and Tom Desborough answer the question 'How easy is it to save money' giving some helpful tips along the way, before exploring whether it is best to feel the fear and do it anyway.

Extras :

• Being true to our values
• Advisers or planners
• Can I access money from my pension?

Jeremy Squibb and Tom Desborough explain how investments work, then answer the question - should we look to grow, or protect what we have?

Extras :

• Why could a hairdresser be a good financial planner
• Integrity - what should you claim for
• How do I find more time in the day
• I can't find my pension - help