The Pension Confident Podcast

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   We’re taking a short break over August, but we’ll be back in September with brand new Series Four episodes and bonus content.   We’ve covered a lot of ground already this year, everything from relationships, to AI and tech, the economy and - clue’s in the title - pensions.   If you missed one earlier in the year, don’t worry, you can catch up on every single episode so far wherever you get your podcasts: E35: The cost of divorce E36: Is my pension funding climate change? E37: The easiest way to retire with more money E38: How to shift careers E39: Trump, tariffs and what it all means for your pension E40: The ADHD tax - how much is it costing you? E41: How can multi-generational living save you money? So join us as we bust industry jargon, dispel myths and challenge the stereotypes that can make it so hard for us to feel really financially confident.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast; and The Pension Confident Podcast on YouTube. Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. Why are more families choosing to live with two, three, or even four generations under one roof? Rising rent, home prices, and living costs can make sharing a home a smart way to save money. Maybe that’s why multi-generational living is the fastest-growing household type in the UK right now. But not all reasons are financial. For some, it’s a cultural norm or a chance to care for young children and elderly relatives. Join our host, Philippa Lamb, and our expert panel as they discuss the financial impact, cultural motives, and care challenges of multiple generations living under one roof. Comedian of the award-winning duo, BAM! Comedy; Sam Bartley; Senior Economist at the Resolution Foundation think-tank, Molly Broome; and Senior Social Media Manager at PensionBee, Simmy Kaur.   Episode Breakdown: 01:55 Rise of the boomerang generation 04:06 Why move back home? 06:52 Grandparents and grandchildren under one roof 08:14 The social stigma of returning 09:02 Transitioning from in-laws to flatmates 10:42 Navigating bills and boundaries 12:19 Springboard or brakes on hitting milestones? 13:51 What age are people buying their first home? 15:38 Childcare subsidised by grandparents 17:15 Savings on eldercare costs 19:25 Findings from Carer’s Pension Gap report 20:52 Staying in everyone’s good books 22:20 Working from the family home   Further reading, listening and watching: To learn more about mixing family and finances, check out these articles, podcasts and videos from PensionBee: Episode 41 transcript (Blog) E4: Should you pay more into your mortgage or pension? (Podcast) E19: Can you afford to have kids? (Podcast) E22: Why is renting so expensive? (Podcast) E28: The Bank of Mum and Dad (Podcast) Childcare options (Pensions Explained) How to sell inherited property (Blog) Inheritance Tax guide (Pensions Explained) Is the rising cost of living impacting pension saving? (Blog) Why has renting got so expensive? (Blog) Estate planning (Video) How to financially prepare for starting a family (Video)   Other useful resources: An intergenerational audit for the UK 2024 (Resolution Foundation) Average childcare costs (MoneyHelper) Housing history and future housing (GOV.UK) Loneliness (Age UK) Paying for your own care (NHS) The Carer’s Pension Gap Report (PensionBee)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow BAM! Comedy (@bamcomedyuk) on TikTok, YouTube, Instagram, LinkedIn, Facebook. Follow the Resolution Foundation (@resolutionfoundation) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X.  

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. ADHA can affect how your brain handles things like planning, focus and organisation, which can make it particularly challenging to stay on top of your finances. Things like paying off debt, saving into a pension, paying a bill on time can feel really overwhelming.  In this episode we explore exactly why money and ADHD can clash, find out what can help, and take a look at how to build systems that could work for you.  Join our host, Philippa Lamb, and our expert panel as they break it all down. Dr Tara Quinn, Registered Practitioner Psychologist; Krystle McGilvery, Financial Strategist and Behavioural Expert; and Emily Tribe, Head of Culture, Inclusion and Wellbeing, PensionBee   Episode Breakdown: 01:27 What is ADHD?  05:13 Managing money with ADHD 06:33 The ADHD tax 07:57 Executive dysfunction  09:53 Impulsivity 13:38 Time blindness  18:37 Body doubling 20:19 Emotional dysregulation 22:06 Support and resources 23:45 ADHD and the finance industry   Further reading and listening: To learn more about ADHD and finances, check out these articles from PensionBee: Episode 40 transcript (Blog) E15: How can we achieve financial inclusion? (Podcast) 8 easy steps to build an effective budget (Blog) The effects of debt and how we can break the cycle (Blog) How can I improve my credit score? (Blog)  How PensionBee’s supporting vulnerable customers (Blog) Savings and investments  Pension contributions (Pensions Explained)  Pensions Age (Pensions Explained)   Other useful resources: The ADHD Tax (ADHD Traction) “I’ve lost over £4000 because of the ADHD tax” (BBC) Our view of ADHD needs to change – the disorder presents differently in women and girls (The Independent)  The ADHD Tax study (Monzo)  Harnessing neurodiversity to create accessible banking (NatWest) Neurodiversity at Barclays (Barclays)  UK challenger bank Neuros to offer money management for neurodiverse users (FinTech Futures) ADHD and Money (Think ADHD) How to be financially responsible whilst having fun (Female Invest) ADHD in adults (NHS)  ADHD UK ADHD Foundation    Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Dr Tara Quinn on Instagram, LinkedIn, Facebook, YouTube and X. Follow Krystle McGilvery on Instagram and LinkedIn.  

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Global stock markets have been on a bit of a rollercoaster lately, thanks to a flurry of announcements from President Trump and his administration around spending cuts and trade tariffs. The uncertainty about what might come next has left investors worldwide feeling uneasy. And when investors get jittery, markets tend to get volatile. So what does stock market volatility actually mean for you and your savings?   Join our host, Philippa Lamb, and our expert panel as they break it all down. Emma Maslin, Financial Coach, Financial Wellness Speaker and Founder of The Money Whisperer; Lucy Evans, Personal Finance Reporter, Daily Mail; and Clare Reilly, Chief Engagement Officer, PensionBee.   Episode Breakdown: 03:26 History of market volatility 07:43 What’s happening with Trump and tariffs 11:20 What happens next? 12:18 How might the UK government respond? 13:12 What does this mean for pensions? 15:56 The impact of age and lifestage 17:36 Other investments and emergency funds  22:15 Pension contributions and tax relief 23:16 Where to find guidance   Further reading, listening and watching: To learn more about stock market volatility, check out these articles, podcasts and videos from PensionBee: Episode 39 transcript Episode 39 video  Understanding market volatility and how it can impact your pension (Blog) Why are financial markets volatile these days? (Blog) Pensions and tariffs: what you need to know (Blog) How young savers can turn market volatility into an investment opportunity (Blog) How to diversify your pension investments (Blog) Company spotlight - how does Meta’s performance affect my pension? (Blog) Company spotlight - how does Microsoft’s performance affect my pension? (Blog) Company spotlight - how does Amazon’s performance affect my pension? (Blog) Company spotlight - how does Apple’s performance affect my pension? (Blog) Company spotlight - how does NVIDIA’s performance affect my pension? (Blog) Six ways to put together your emergency fund (Blog) How does financial planning change over the course of life? (Blog) Pension investments (Pensions Explained) Pensions and tax relief (Pensions Explained) How are pensions invested? (Pensions Explained) What is a Stocks & Shares ISA? (Pensions Explained)   Other useful resources: 2023 United States banking crisis (Wikipedia) How geopolitical events impact the stock market (Bankrate) Investors hold their nerve as market volatility rises (The Daily Brit) Half of investors admit to making impulsive, emotional decisions, and many go on to regret it (CMS Wealth) Research on retail Buyers’ emotional quotient with focus on transactions on the National Stock Exchange (Sage Journals) 66% of Investors Regret Impulsive or Emotional Investing Decisions (Magnify Money) Are women better investors than men? (Unbiased) Why Women Are Better (Investors) Than Men (Forbes) Pension Wise (Money Helper) Financial Conduct Authority (FCA)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Emma Maslin (@moneywhisperer_) on Instagram, LinkedIn, Facebook and X. Follow Lucy Evans (This is money) on LinkedIn and X.  

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Since the COVID-19 pandemic, around four million Brits have changed careers. With artificial intelligence (AI) posing potential risks to many jobs, it’s estimated that an additional 285,000 people might need to make a career switch by 2030.   Changing careers is undoubtedly a significant step, especially if you’ve dedicated years to one industry. So, where can you find the tools to help you make the leap? And importantly, how can you keep your finances on track?   Join our host, Philippa Lamb, and our expert panel as they share practical strategies, personal experiences and insights on navigating an evolving job market. Founder of Talented Ladies Club, Hannah Martin; Co-Founder of Startup School for Seniors, Suzanne Noble; and Senior Software Engineer at PensionBee, Anindya Bhattacharyya.   Episode Breakdown: 01:35 What would your instant career swap be? 02:25 Transferable skills and portfolio careers 04:17 The end of the 40-year career 06:15 Most common age for making a career switch 07:43 Pitching yourself as an older employee 09:46 Retraining for a new role 13:29 Can you afford to switch careers? 16:12 Financial checklist before making the leap 18:15 Finding possible funding opportunities 19:50 Available support for getting started 22:14 Are your passions a good guide? 24:40 Tips for how to switch careers   Further reading, listening and watching: To learn more about how to shift careers, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E31: How can I improve my credit score? (Podcast) E28: The Bank of Mum and Dad - what’s the impact on your pension? (Podcast) E25: How to earn more money (Podcast) E24: How to start a business (Podcast) Creating a portfolio income in your retirement years (Blog) What is a pension? (Pensions Explained) What is a workplace pension? (Pensions Explained) 5 tips for starting a new job (Blog) 8 easy steps to build an effective budget (Blog)   Other useful resources: Careers information, advice and guidance (National Careers Service) Critical skills that support your professional development (Udemy) Distance learning courses (The Open University) Doddery but dear? Examining age-related stereotypes (Centre for Ageing Better) ‘Feel the Fear and Do It Anyway’ (Susan Jeffers) Find a qualified pension adviser (Unbiased) Find your new career tool (PensionBee) Flexible and hybrid working practices in 2023 Report (CIPD) Learn job-ready skills with a Google Career Certificate (Google) Prepare for certification exams in IT, cybersecurity, and more (Coursera) Professional and Career Development Loans (GOV.UK) State of Ageing in 2020 (Centre for Ageing Better) The Carer’s Pension Gap Report (PensionBee)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Talented Ladies Club (@TalentedLadies) on YouTube, Instagram, LinkedIn, Facebook and X. Follow Startup School for Seniors (@startupschoolforseniors) on TikTok, YouTube, Instagram, LinkedIn and Facebook.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this special bonus episode of The Pension Confident Podcast, we cover some of the key changes from the new 2025/26 tax year and what they could mean for you and your finances. Tune in as our host, Philippa Lamb and Financial Journalist and Founder of Much More With Less, Faith Archer, cover the various changes made, including: the National Living Wage; frozen income tax bands; Statutory Sick Pay; and the State Pension.   Episode Breakdown: 01:09 The start of a new tax year 04:03 Increased pay for employees and costs for employers 06:20 Frozen income tax and personal tax-free allowance thresholds 07:55 The State Pension and Winter Fuel Payment 11:18 Changes to Statutory Sick Pay, alongside overhaul of benefits systems 12:38 Increased Statutory Parental Pay and free nursery hours   Further reading, listening and watching: To learn more about the new tax year and your personal allowances, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E18: How to not run out of money in retirement (Podcast) E11: How to prepare for a happy retirement (Podcast) Adoption leave and adoption pay (Article) Am I ready for a baby? (Article) Average childcare costs (Article) Help with childcare costs (Article) Maternity leave and maternity pay (Article) Paternity leave and paternity pay (Article) Pension credit (Article) Shared parental leave and pay (Article) What disability benefits can I claim? (Article) What does the Autumn Budget 2024 mean for your pension? (Blog) What is the State Pension? (Article)   Other useful resources: A budget hitting employers and the well off (Much More With Less) Adoption leave and adoption pay (GOV.UK) Inflation Calculator (PensionBee) Maternity leave and maternity pay (GOV.UK) Paternity leave and paternity pay (GOV.UK) Shared parental leave and pay (GOV.UK) Statutory Sick Pay (SSP) (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Faith Archer (@MuchMoreWith Less) on LinkedIn, Facebook and X.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Recent research from PensionBee reveals that financial disengagement might cost savers up to £500,000 over their lifetime - that’s a substantial amount! When was the last time you reviewed your savings? Are you aware of how much you’ve saved for retirement? Making small, informed decisions today can greatly impact your financial future. The great news is that staying engaged with your finances isn’t difficult.   Join our host, Philippa Lamb, and our expert panel as they explore a simple truth: the most effective way to max out your chances of retiring comfortably. Behavioural Expert and Co-Founder of Shaping Wealth, Neil Bage; Financial Adviser, Money Columnist and Author, Bola Sol; and Head of Consumer PR at PensionBee, Laura Dunn-Sims.   Episode Breakdown: 01:31 Common financial pitfalls 03:52 Visualising our ‘future selves’ 06:08 Overcoming complacency with pensions 06:42 The £500,000 ‘cost of disengagement’ 08:00 How can we make the numbers feel real? 10:20 Transitioning from an ‘immediate return’ to ‘delayed return’ environment 13:16 How to retire with more money 17:23 Automate your way to compound interest 20:02 Understanding investment risk 23:30 Balancing greed and fear 26:27 How to make (and keep) good habits   Further reading, listening and watching: To learn more about the cost of disengagement, check out these articles, podcasts and videos from PensionBee: E37 transcript (Blog) Bonus: How to stick to your financial resolutions (Podcast) Do you know what pension plan you’re in? (Blog) E32: How to understand your pension balance (Podcast) E34: Unpacking 10 years of pension changes (Podcast) How much do you need to pay into a pension? (Video) How much income do you need in retirement? (Blog) How much should you save for retirement? (Video) How to catch up on pension payments (Blog) How to check your pension contributions (Article) How to trace a lost pension (Article) How to understand your pension balance (Blog) Pension Calculator (Calculator) Top 10 money apps for your smartphone (Blog) What income would a £100,000 pension pot give you? (Blog) What is compound interest? (Blog)   Other useful resources: 56% of UK adults feel like they don’t understand the stock market (YouGov Survey) Almost 9 million UK adults are missing an old pension pot (PensionBee) Brits missing £31.1b in unclaimed pension pots (Pensions and Lifetime Savings Association) Government’s free Pension Tracing Service (GOV.UK) How the 'end of history' illusion shapes your life choices (BBC) Over half of Brits are in the dark or ‘dangerously underestimating’ the minimum cost of retirement (PensionBee) Pension disengagement could cost you up to £500,000 in retirement (PensionBee) Pot for life significantly more popular than stapling for managing multiple pots (PensionBee) Your Future Self: How to Make Tomorrow Better Today by Hal Hershfield (Book)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Shaping Wealth (@shapingwealth) on YouTube, Instagram, LinkedIn and X. Follow Bola Sol (@bolasol) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. Have you ever wondered if your pension is funding climate change? We all know about the damage greenhouse gases do to the world. According to Make My Money Matter, by greening our pensions, we could cut our carbon footprint 21 times more than by going veggie, or giving up flying or switching energy providers. However, sustainable investing has been met with some scepticism over the years, so in this episode we're going to dig into the detail.  Join our host, Philippa Lamb, and our expert panel as they help you make confident choices about your own pension: Qualified Financial Adviser and Founder of Mr.MoneyJar, Rotimi Merriman-Johnson; CEO of the Finance Innovation Lab, Jesse Griffiths; and PensionBee’s Senior ESG Manager, Giorgia Antonacci.   Episode Breakdown: 01:42 The link between pensions and climate change 04:18 The fossil fuel industry 05:36 Does investing sustainably mean lower returns? 09:13 The rising cost of living 11:22 Can individuals make a difference? 15:52 What makes a sustainable pension fund? 17:21 Greenwashing, labelling and timescales 22:28 What action can pension savers take? 23:42 Influencing change 27:39 Final thoughts   Further reading, listening and watching: To learn more about finances, pensions and divorce, check out these articles, podcasts and videos from PensionBee: E36 transcript  Under the hood of the Climate Plan The Climate Plan PensionBee’s Climate Plan (Video) ESG investing and its impact on pensions  Sustainable investing - how to make a positive impact with your pension How we can use our pensions to drive positive change whilst saving for retirement E1: Making a positive impact with your pension - with Clare Reilly, and Damien Fahy (Podcast) Three reasons to think about where your pension’s invested Championing our customers’ views How is the FCA cracking down on greenwashing? 5 sustainable investing myths debunked Your Fossil Fuel Free Plan switch questions, answered   Other useful resources: ShareAction Make My Money Matter Financial Conduct Authority Carbon Tracker Financial Stability Board The Institute of Actuaries Government Green Taxonomy Morgan Stanley Capital international (MSCI) Morgan Stanley Institute for Sustainable Investing MSCI's ESG rating scale India's wheat output dented by heatwave, could limit government stock building (Reuters)  FCA labelling scheme Institute of Actuaries study Accelerating to net zero (CBI) Morgan Stanley Sustainable Reality Report Revealed: oil sector’s ‘staggering’ $3bn-a-day profits for last 50 years (Guardian) Pension funds should protect our future, not destroy it (Greenpeace) Maslow's Hierarchy of Needs   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Rotimi Merriman-Johnson, Mr MoneyJar on YouTube, Instagram, LinkedIn and X. Follow Finance Innovation Lab on LinkedIn, Facebook and X.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Every January, lawyers see a spike in inquiries about divorce. It's such a big spike the first Monday of January is known in the profession as Divorce Day. If you've been through it, you’ll know that one of the hardest parts of divorce is having to take lots of financial decisions at what can be a really overwhelming time. But understanding all your options can make those decisions easier and better.   Join our host, Philippa Lamb, and our expert panel as they help you build your post-divorce life on the best possible financial foundation.    Author and Founder of Mrs Mummypenny, Lynn Beattie; Co-Founder at The Divorce Surgery, Harry Gates; and PensionBee’s Head of First Line Compliance, Lydia Hunt.   Episode Breakdown: 01:32 The fundamentals of divorce 07:57 Is it worth getting a prenup? 09:55 Divorce and pensions 11:22 What’s included in negotiations? 13:36 Pension splitting 15:34 What happens to assets from before the marriage? 18:05 Are liabilities included in divorce negotiations? 21:03 Children and divorce 21:49 Can a divorce agreement be amended? 23:41 Thinking long term when negotiating 26:40 Life after divorce *In this episode we reference a report by The University of Manchester, where we say 80% of pension wealth is held by men, but the correct figure is actually 90%. *Where we refer to the fee to apply for a divorce, we say both £583 and £593. The correct figure is £593.   Further reading and listening: To learn more about finances, pensions and divorce, check out these articles, podcasts and videos from PensionBee: E35 transcript E3: The gender pension gap - with Emilie Bellet, Romi Savova and Sam Brodbeck (Podcast)  E14: What's the impact of your relationship status on your finances? With Ellie Austin-Williams, Paul Infield and Becky O'Connor (Podcast)  E28: The bank of mum and dad - what's the impact on your pension? With Mark Bogard, Rotimi Merriman-Johnson and Becky O'Connor (Podcast) Don't divorce your right to a decent pension Separation and divorce  Pension Sharing Order  Pension Attachment Orders and Earmarking How are finances split in a divorce? How long after a divorce can you claim a pension? What is the pension gap between men and women? Do I need to change my pension after I get divorced? The UK Pension Landscape What happens to my pension during a divorce? (Video)   Other useful resources: File for divorce (GOV.UK) New divorce laws from April 2022 (GOV.UK) Pre-nuptial agreements (House of Commons Library) Form E guidance (GOV.UK) Child Maintenance Service (GOV.UK) Divorce Day: Two thirds of divorces don't discuss pensions as part of settlement (Interactive Investor) Pension inequality a major issue when couples divorce, research finds (University of Manchester)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Lynn Beattie, Mrs Moneypenny on YouTube, Instagram, Facebook and X. Follow The Divorce Surgery on YouTube, Instagram, LinkedIn and Facebook.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Happy New Year from all of us at The Pension Confident Podcast. We’re back with a  great lineup of topics and expert guest plans for our fourth series. Our mission is simple: to build up your pension and personal finance confidence. How do we do that? Simple. By asking and answering the questions that matter to you. Maybe you want to know how much you’ll need to save to retire early, or if your hard-earned pension contributions are actually funding climate change. Maybe it’s hidden risks, like lifestyle creep, you want to get your head around or how your personal relationships might be impacting your finances. The series is packed with insights and tips from a huge range of pensions and money experts. Plus we’ll be sharing bonus content with you right throughout the year too - including special budget breakdowns. The first episode of 2025 will be live at the end of this month, and with new beginnings in mind, it’s all about keeping the cost of divorce as low as possible and making sure your finances are in good shape when you start over afterwards.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Over the past decade, British pensions have undergone significant transformations. With the introduction of Auto-Enrolment, advances in technology, and more flexible regulations, it’s become easier for individuals to plan and manage their retirement savings.   As the new government took office, the Chancellor introduced yet more changes to pensions in the Autumn Budget. So, what can we expect moving forward?   Join our host, Philippa Lamb, and our expert panel as they look back at the biggest pension changes over the past decade and how you can plan for a happy retirement in an everchanging world. Founder and Editor of Money to the Masses, Damien Fahy; Money Advice Editor at The Telegraph, Sam Brodbeck; and PensionBee’s Founder and CEO, Romi Savova.   Episode Breakdown: 01:01 PensionBee’s origin story 03:30 Billions of pounds lost in missing pensions 05:25 Why do people disengage? 08:28 The revolving door of pensions changes 10:04 The big pension changes that have shaped the past decade 12:00 Introduction of Auto-Enrolment 14:41 Pension Freedoms reforms 16:33 Where your money is, exactly 20:20 Understanding market ups and downs 22:52 How do UK pensions compare internationally?   Further reading and listening: To learn more about changes in the pensions industry, check out these articles and podcasts from PensionBee: Episode transcript What does the Autumn Budget 2024 mean for your pension? (Podcast) E26: Are you ready for your 100-year life? (Podcast) E18: How to not run out of money in retirement (Podcast) E12: Financial jargon, what does it all mean? (Podcast) E11: How to prepare for a happy retirement (Podcast) Preparing for retirement checklist Understanding market volatility and how it can impact your pension What does the Autumn Budget 2024 mean for your pension? What is Auto-Enrolment? What is a defined benefit pension? What is a defined contribution pension?   Other useful resources: How do I find lost pensions? (Gretel) Life expectancy calculator (Office for National Statistics) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association) Trillions: How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance Forever by Robin Wigglesworth (Book)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Money to the Masses (@moneytothemasses) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Times Money Mentor (@timesmoneymentor) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   This month on The Pension Confident Podcast we’re shining a light on an important topic - financial abuse. It’s a part of economic abuse, a legally recognised form of domestic abuse and it can happen to anyone. Join our host, Philippa Lamb, and our expert panel as they discuss what to do if you or someone you know is being financially abused, how to spot the signs and what support is available.   Research and Policy Officer at Hourglass; and PensionBee’s VP of Second Line Compliance, Jaypee Soule.   Episode breakdown: 01:00 What is financial abuse and who does it impact? 06:59 The underreporting of financial abuse 09:22 What are the effects of financial abuse? 11:28 Who is committing financial abuse? 14:06 How do financial services protect against financial abuse? 16:48 How to keep yourself and your funds safe from financial abuse 18:53 What are the signs of financial abuse to look out for? 20:40 How are financial abuse cases recorded? 21:38 What support is available for victims of financial abuse? 24:04 The importance of financial awareness 26:13 Understanding powers of attorney   Further reading: To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee: E33: How to spot the signs of financial abuse (Podcast transcript) E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast) E7: How to stay safe from fraud and financial scams (Podcast) Bonus episode: How to avoid financial scams (Podcast) 8-step guide to help you stay safe online Power of attorney Anti-Scams Legislation   Other useful resources:  Keeping you and your loved ones safe from economic abuse. (Hourglass) How to identify financial abuse in a relationship (Very Well Mind) Financial abuse: spotting the signs and leaving safely (Money Helper) Hourglass. Safer ageing. Stopping abuse. Financial abuse: what is it? (Age UK) Economic abuse (Refuge) Surviving Economic Abuse Women’s Aid One Love Foundation Office of the Public Guardian   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Hourglass on X, Facebook and LinkedIn. Follow Danny Tatlow on LinkedIn.    

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   With our busy lives, it’s easy to overlook those annual statements from your pension provider. But knowing how much you have saved is essential for planning a comfortable retirement.   This month on The Pension Confident Podcast we’re talking about how to understand your pension balance. Join our host, Philippa Lamb, and our expert panel as they break down everything from making sense of those annual statements to hunting down lost pension pots. Behavioural Economist and Director at Fairer Finance, Tim Hogg; Financial Journalist and Founder of Much More With Less, Faith Archer; and PensionBee’s Senior Team Leader, Alex Langley.   Episode Breakdown: 01:03 What is a pension balance? 02:50 How to check how much you have in your pension? 04:40 What happens if you’ve lost your pensions? 06:44 Avoiding pension procrastination 10:20 How can you check if you’re on track for retirement? 13:40 The ‘fresh start’ effect 16:40 The Retirement Living Standards 20:31 Overcoming ‘present focus’ 22:12 How can you improve your pension balance? 26:35 Saving for a longer life   Further reading: To learn more about where you could put your savings, check out these articles and podcasts from PensionBee: Episode 32 transcript E29: Pensions vs. cash - which is best? E26: Are you ready for your 100-year life? E18: How to not run out of money in retirement E11: How to prepare for a happy retirement How are pensions invested? How can I find my pensions? How to diversify your pension investments How to look after your financial wellbeing in 2024 How to understand your pension balance Understanding market volatility and how it can impact your pension What is a defined benefit pension? What is a defined contribution pension? What is a pension statement? When will my pension balance recover?   Other useful resources: How do I find lost pensions? (Gretel) Inflation Calculator (PensionBee) Life expectancy calculator (Office for National Statistics) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) Temporal focus: Thinking about the past, present, and future (Science Direct) The Retirement Living Standards (Pensions and Lifetime Savings Association) What is the fresh start effect? (The Behavioral Scientist)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Fairer Finance (@fairerfinance) on Instagram, LinkedIn, Facebook and X. Follow Faith Archer (@MuchMoreWith Less) on LinkedIn, Facebook and X.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we’re revisiting an important topic - financial scams. According to research by UK Finance, £1.17 billion was stolen through fraud in 2023. So what are the red flags we all need to watch for when it comes to our finances? Tune in to hear the best bits from episode seven, as our host, Philippa Lamb and our expert guests shared their top tips to avoid financial scams and what to do if you think you’ve been a victim. We hear from: Former Chief Executive of The Pensions Advisory Service and Independent Non-Executive Director at PensionBee, Michelle Cracknell CBE; Former Head of Security and Counter Fraud at Open Banking, Lisa Markey; and PensionBee’s CTO, Jonathan Lister Parsons. Episode Breakdown: 01:37 Personal stories from the guests 03:38 The different types of financial scams 05:29 Scams and vulnerable people 06:35 Pension scams 11:15 How to spot the signs of financial fraud 12:44 What to do if you think you might be a victim   Further reading and listening: To learn more about financial scams and protecting yourself and your money, check out these articles and podcasts from PensionBee: Episode transcript  E7: of The Pension Confident Podcast: How to stay safe from fraud and financial scams (Podcast) How to spot a pension scam 4 pension scams to watch out for What is pension liberation? Early pension release rules   Other useful resources: Scams Awareness Campaign (Citizens Advice) Annual Fraud Report 2024 (UK Finance) 'Scam Man and Robbin' game The Money and Pensions Service Financial Conduct Authority (FCA) Types of pension scams (FCA) Protect yourself from scams (FCA) Reporting fraud and cyber crime (Action Fraud)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Michelle and Lisa on LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Most people have heard of the term ‘credit score’ but often that’s as far as it goes. What is your credit score, how is it calculated and why does it even matter?    This month on The Pension Confident Podcast we’re talking about the dark-art of how to improve your credit score. Join our host, Philippa Lamb, and our expert panel as they discuss the ins and outs of our financial history and the impact it can have on our financial future.  Consumer Affairs Manager at Experian, John Webb;  Author, Columnist and Content Creator, Clare Seal; and PensionBee’s VP Data, Luis Mejia.   Episode Breakdown: 01:08 What is a credit score and why does it matter? 05:28 Credit score jargon explained 11:13 How is a credit score calculated? 16:28 How do I know if my credit score is good or bad? 19:36 Spotting and correcting errors in your credit report 20:38 Understanding your credit score 22:05 How to improve your credit score 26:37 Busting credit score myths   Further reading: To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee: Episode 31 transcript E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast) E15: How can we achieve financial inclusion? (Podcast) E23: Common financial mistakes and how to avoid them (Podcast) How can I improve my credit score? Retirement planning in your 20s The importance of financial inclusion What to do with inheritance money Can a guarantor be retired? How to talk about money   Other useful resources: What is a credit score? How is it calculated and what affects it? (Loqbox) Why credit scores matter in retirement (Experian) Getting to grips with your credit report and score (TransUnion) Credit report errors can ruin your credit score - are your records correct? (Which?) Getting your credit score from a bank (Investopedia)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Clare Seal (@clare.seal) on Instagram, LinkedIn and X. Follow Experian (@Experian_UK) on X, YouTube, Instagram, TikTok, Facebook and LinkedIn. Follow John Webb on LinkedIn.  

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we’re sharing the best bits from one of our live events - the PensionBee Roadshow. In our Manchester edition, our expert guests shared tips for how you can start preparing for a happy retirement. Tune in to hear from: Financial Journalist and Founder of Much More With Less, Faith Archer; Financial Expert,  Author and Host of The Conversation of Money, Peter Komolafe; Personal Finance Expert and Founder of Pennies to Pounds, Kia Commodore; Personal Finance Expert and Founder of Mr MoneyJar, Timi Merriman-Johnson; and CMO at PensionBee, Jasper Martens.   Episode breakdown: 00:50 Visualising your retirement savings 01:26 Workplace pensions and Auto-Enrolment 02:42 How to stick to your savings goals 03:40 Three ways to boost your pension savings 04:44 Balancing rising costs and saving for your future 05:41 Learning about investments and pensions 06:59 Understanding where your pension is invested 08:02 Pension Wise 08:24 What is pension drawdown? 09:15 Leaving your pension to loved ones   Further reading, watching and listening: How to plan for a happy retirement (YouTube) How to set a good retirement goal (YouTube) What happens at a Pension Wise appointment? (YouTube) Different ways to access your pension pot (YouTube) E18 of The Pension Confident Podcast: How to not run out of money in retirement (Podcast) E11 of The Pension Confident Podcast: How to prepare for a happy retirement (Podcast) E5 of The Pension Confident Podcast: What can we do to cope with the cost of living crisis? (Podcast) How much income do you need in retirement? How much money do you need to retire in the UK? Preparing for retirement checklist What income would a £100,000 pension pot give you? What is Auto-Enrolment? What makes a happy retirement? Pension decumulation Retirement planning in your 20s  Retirement planning in your 30s  Retirement planning in your 40s  Retirement planning in your 50s  Pension rules after death Pension beneficiaries   Other useful resources: Pension Drawdown Calculator (PensionBee) Pension Calculator (PensionBee) Pension Wise (MoneyHelper) Pension Quality Mark - PQM (Pensions and Lifetime Savings Association) Retirement Living Standards (Pensions and Lifetime Savings Association)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. The Pension Confident Podcast is taking a short summer holiday this August, but don’t worry - we’ve got some bonus content coming while you wait for the rest of Series Three! The next bonus episode will be a fantastic conversation from the PensionBee Roadshow last year, all about how you can save for a happier retirement. Plus, look out for part two of our personal finance tips for parents. In the meantime, you can go back and listen to all our episodes so far wherever you get your podcasts. We’ve covered so much already from the Bank of Mum and Dad and the real cost of your friendships, to saving to live to age 100 and how to earn more money. Don’t forget to subscribe to your favourite podcast app so you never miss an episode. Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.  

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   For many people diligently building their nest egg, the question of money’s link to happiness is a natural one. After all, financial security can reduce a significant source of stress. But can simply having more money guarantee a life filled with joy?   This month on The Pension Confident Podcast we’re talking about the age-old question: can money buy happiness? Join our host, Philippa Lamb, and our expert panel as they discuss the relationship between money and happiness. Author and Co-Founder of The Humble Penny and The Financial Joy Academy, Ken Okoroafor;  Occupational Psychologist and chartered member of the British Psychological Society, Kim Stephenson; and  PensionBee’s Head of Culture, Inclusion and Wellbeing, Emily Tribe.   Episode Breakdown: 01:23 At different ages, different things matter 04:10 Does money equal happiness? 06:30 The source of money changes the equation 10:10 Understanding your appetite for risk 13:57 Maslow’s hierarchy of needs 16:20 Avoiding lifestyle creep and finding joy 19:10 The marshmallow test 23:13 How can you boost your happiness   Further reading: To learn more about where you could put your savings, check out these articles and podcasts from PensionBee: Episode 30 transcript 4 reasons why sorting your pension is important for your health Can money buy happiness? E11: How to prepare for a happy retirement E18: How to not run out of money in retirement E25: How to earn more money How much money do you need to retire in the UK? Is it time to find your new career? Making happiness a habit Preparing for retirement checklist Work doesn’t have to end at retirement - the over-60s make happy entrepreneurs   Other useful resources: 10 Ways Life Is a Marshmallow Test (Psychology Today) Being richer than your peers can make you happier (Financial Accountant) Does money buy happiness, according to science? (Clearer Thinking) Financial Joy by Ken & Mary Okoroafor (Book) Maslow’s Hierarchy Of Needs (Simply Psychology) Pension Calculator (PensionBee) Seligman’s PERMA+ Model Explained: A Theory of Wellbeing (Positive Psychology) What Is Loss Aversion? (Psychology Today)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Humble Penny (@TheHumblePenny) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X. Follow Kim Stephenson (@kimpstephenson) on LinkedIn and X.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Since the start of 2022, the Bank of England has raised the base interest rate 13 times. So it’s no surprise that savers are reconsidering where to put their money. Cash savings are easily accessible but may lose value due to inflation. Meanwhile, pensions offer potential long-term growth but lock away funds until retirement. This month on The Pension Confident Podcast we’re talking about the pros and cons of pensions and cash - how can you make the most of both? Join our host, Philippa Lamb, and our expert panel as they discuss building an emergency fund, making the most of your cash savings and saving for retirement. Founder and CEO of Boring Money, Holly Mackay; and PensionBee’s VP Product, Martin Parzonka.   Episode Breakdown: 01:36 How does inflation eat away at our money? 02:52 Shopping around for the best rate 07:44 Building an emergency fund 10:51 State benefits that are impacted by savings 11:57 What are the rules on cash savings? 16:39 Small steps to save for your future 18:26 Are pensions ‘hot’? 22:36 The case for personal pension saving   Further reading: To learn more about where you could put your savings, check out these articles and podcasts from PensionBee: Episode 29 transcript 5 lessons my cashflow catastrophe taught me 5 ways to protect your pension income against inflation How to diversify your pension investments Pension pot or cash savings - which is best? Should I pay my bonus into my pension? What income would a £100,000 pension pot give you? Will taking my pension affect my benefits? Your guide to Lifetime ISAs (LISAs) and pensions   Other useful resources: Emergency savings – how much is enough? (MoneyHelper) How does inflation affect pensions? (PensionBee) Should I have a savings account or pension? (MoneySuperMarket) What to do when interest rates rise (PensionBee) With cash earning 5%, why risk money on the stock market? (Schroders) Women’s lack of confidence widens gender investment gap (Financial Times)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Boring Money (@boringmoney) on X, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   For many young people, the only way to afford university or to get a foot on the property ladder is with financial support from family members. According to a report by The Institute for Fiscal Studies (IFS), almost a third of young people receive at least one transfer during their 20s and early 30s - most commonly from a parent.   This month on The Pension Confident Podcast we’re discussing the hot topic of ‘the Bank of Mum and Dad’. Join our host, Philippa Lamb, and our expert panel as they discuss how to talk about money with family, setting healthy boundaries, and strategies for safeguarding your financial future. CEO of The Family Building Society; Mark Bogard; Personal Finance Expert and Founder of Mr MoneyJar; Timi Merriman-Johnson; and PensionBee’s Director (VP) Public Affairs; Becky O’Connor.   Episode Breakdown: 01:46 The Bank of Mum and Dad in practice. 05:10 Planning for predictable financial support. 08:13 Helping financially while your child’s studying. 10:43 Funding your child’s big adult milestones. 14:14 Implications of dipping into your savings. 17:31 Ongoing bankrolling and protecting your financial security. 20:35 Treating children equally or equitably? 22:55 Making sure you’re on the same page. 24:51 A living versus willed inheritance.   Further reading: To learn more about financial relationships with family, check out these articles and podcasts from PensionBee: Episode 28 transcript 5 tips for parents paying for university 7 of the best ways of giving money to grandchildren E8: How to teach kids about money - with Laura Miller, Will Carmichael and Emma Maslin How the Bank of Mum and Dad can boost an adult child’s pension by over £300,000 How to teach kids about money Inheritance Tax guide Pension decumulation aka planning how to spend my pension savings Should I teach my children about money? Writing a will Your guide to Lifetime ISAs (LISAs) and pensions   Other useful resources: Boomerang Children: Meaning, Impact, Around the World (Investopedia) How important is the Bank of Mum and Dad? (The Institute for Fiscal Studies) How Inheritance Tax works (Gov.uk) How to run the Bank of Mum and Dad…The Definitive Guide (Family Building Society) Joint Borrower Sole Proprietor mortgages (Family Building Society) More adults living with their parents (Office for National Statistics) Retirement Living Standards (Pensions and Lifetime Savings Association) The bank of Grandma and Grandad (SAGA) The Carer’s Pension Gap (PensionBee) Who gives wealth transfers to whom and when? Patterns in the giving and receiving of lifetime gifts and loans (The Institute for Fiscal Studies)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow the Family Building Society (@FamilyBSoc) on X, Facebook and LinkedIn. Follow Timi (@mrmoneyjar) on X, Instagram, TikTok, Facebook and LinkedIn.