E41: How can multi-generational living save you money? With Sam Bartley, Molly Broome, and Simmy Kaur
Release Date: 07/27/2025
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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:
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.