Alright fine, we'll admit it. This episode is about pensions. But we're unpacking them in a way that won't melt your brain, we promise. Whether you've started late or haven't even taken one out yet, deputy business editor Dominic Coyle explains:

How to start from scratch, or level up a basic pension plan

Understanding jargon

How employer contributions can help double your pension pot

How to maximise the state's contribution

Ways you can offset the disadvantage of starting later

How the gender pay gap affects women's pensions

Sneaky charges you need to watch out for

Don't think of it as a pension. Think of it as a bucket list fund for your 'second act'.

Presented by Aideen Finnegan. Produced by Declan Conlon and Aideen Finnegan.

Dominic answers your personal finance questions every week in The Irish Times. You can send your queries to dominic.coyle@irishtimes.com 

For more jargon-free and impartial pension tips, go to the Competition and Consumer Protection Commission (CCPC)

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