BONUS EPISODE: Personal finance tips for the self-employed
Release Date: 06/17/2025
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The Pension Confident Podcast
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: . On this bonus episode, we hear from PensionBee customer, David. He spent years quietly accumulating pension pots across various employers without paying them much attention. That all changed when an unexpected cancer diagnosis forced him to confront his finances head-on, and think hard about what would happen to the people he loves if he wasn’t around. We unpack the decisions David has navigated, from consolidating old pots and...
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BONUS EPISODE: What does the 2026/27 tax year mean for your finances?
The Pension Confident Podcast
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: . In this bonus episode of The Pension Confident Podcast, we cover some of the key changes from the new 2026/27 tax year and what they could mean for you and your finances. Join our host, Philippa Lamb, and VP Personal Finance at PensionBee, Maike Currie, as they unpack the changes impacting: the National Minimum and Living Wage; statutory sick, parental and bereavement pay; frozen earnings bands and savings limits; the State...
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The Pension Confident Podcast
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The Pension Confident Podcast
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: . On this bonus episode, we hear from PensionBee customer, Sanna. Like so many, she’s juggling family life, buying her first home, and trying to save for retirement - all at the same time. Since having her daughter and moving back in with family to save on rent, her pension savings have taken a back seat. We unpack the choices Sanna has faced - from rising living costs and childcare to finding faith-aligned financial products...
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The Pension Confident Podcast
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BONUS EPISODE: “I work as a handyman to top up my pension income”
The Pension Confident Podcast
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The Pension Confident Podcast
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BONUS EPISODE: “I stopped paying into my pension for 20 years”
The Pension Confident Podcast
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S5 TRAILER: The Pension Confident Podcast
The Pension Confident Podcast
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: . Happy New Year from all of us at . Every month, with expert guests, we dig into those money and pension questions that can feel so complicated. We just lay out the answers in simple, jargon-free language. There’ll also be bonus content throughout the year to keep you up to speed on everything from stock market trends to Downing Street decisions. Plus, we’ll be hearing from savers just like you. The first episode of 2026...
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BONUS EPISODE: The best from our Series 4 guests with Philippa Lamb and Lucy Greenwell
The Pension Confident Podcast
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: . On this special bonus episode, we’re turning the mic around. We hear from our Host, Philippa Lamb, and Producer, Lucy Greenwell, as they discuss their favourite moments from Series 4 of The Pension Confident Podcast. We’ve had some brilliant guests - from divorce lawyers to behavioural experts, authors to financial influencers, along with some of our favourite people from PensionBee HQ. On this episode, we’ll hear...
info_outlineEnjoying 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’re discussing how to manage your pension and your personal finances whether you’re self-employed, freelance or running your own business. PensionBee’s Invisible Worker research - which surveyed 1,000 British gig workers - found more than half of them can’t afford to save into a pension. Nearly 30% of them also said they wouldn’t know where to start if they did want to set one up.
Join our host, Philippa Lamb as she shares helpful tips from our expert guests from the following episodes:
- E2: How to keep your self-employed pension on track with Emma Jones CBE and Martin Parzonka
- E17: Should you save into a pension or an ISA? With Claer Barrett, Damien Fahy, Peter Komolafe and Becky O’Connor
- E24: How to start a business with Emilie Bellet, Jinesh Vohra and Lisa Picardo
Episode breakdown:
01:11 Saving for the short-term
02:54 Balancing looking after your business and yourself
04:00 Can your business act as a retirement fund?
05:30 Keeping cash aside
06:35 Business owners and cash cushions
07:45 Making pension contributions on a varying income
08:42 Putting money in a pension vs. a cash savings account
09:30 Keeping an eye on the future
Further reading, listening and watching:
To learn more about finances and pensions for the self-employed, check out these articles, podcasts and videos from PensionBee:
- Episode transcript
- More than a million ‘invisible’ workers can’t afford to save for retirement (Article)
- How to start a pension when you're self-employed (Blog)
- How to retire early as a self-employed worker (Blog)
- Saving for the future as a self-employed worker (Blog)
- How to save for the future on an unpredictable income (Blog)
- 7 personal finance tips for self-employment (Blog)
- Sole trader vs limited company: how do the tax savings stack up? (Blog)
- Is there such a thing as the perfect pension for the self-employed? (Blog)
- The rise of older freelancers: overcoming ageism and embracing self-employment (Blog)
- Self-employed? How to, and why you should, DIY your pension (Blog)
- How do we reduce the self-employed pension gap? (Blog)
- What pension can I get if I'm self-employed? (Blog)
- What is a SIPP (Self-Invested Personal Pension)? (Blog)
- Private pensions for the self-employed (Blog)
- Pension contributions from your limited company (Blog)
- What happens to pensions in special circumstances? (Video)
- How to make a limited company pension contribution (Video)
- What PensionBee customers think - Rotimi’s story (Video)
- Self-employed pensions (Video)
- PensionBee’s self-employed pension (Web page)
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