The Pension Confident Podcast

We get it, pensions can be overwhelming. But PensionBee is on a mission to build pension confidence. Whether you’re just starting your savings journey, nearing retirement, or somewhere in between, the award-winning Pension Confident Podcast is here to help you get the best out of your pension. Subscribe today to hear from some of the best brains in personal finance every month, and get expert insights from the PensionBee team. Remember, anything discussed on this podcast should not be regarded as financial advice and as always with investments, your capital is at risk. https://www.pensionbee.com/podcast

E43: Who wants to be a pension millionaire? With Faith Archer, Damien Fahy and Maike Currie 10/26/2025

E43: Who wants to be a pension millionaire? With Faith Archer, Damien Fahy and Maike Currie 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: . Building a £1 million pension pot may be more achievable than you think. But how much money will that £1 million give you in retirement? Join our host, Philippa Lamb, and our expert panel as they discuss what it takes to build £1 million in your pension from the monthly contributions needed depending on your age, to the role that compound interest and employer contributions can play. Financial Expert and Founder of Much More with Less, Faith Archer; Founder of Money to the Masses, Damien Fahy; and VP Personal Finance at PensionBee, Maike Currie. Episode Breakdown: 01:06 How many pension millionaires are there? 02:55 Monthly payments needed to grow a £1 million pension 04:50 How can parents help their kids to become a millionaire? 08:20 How much retirement income can you take from a £1 million pension? 09:13 The 4% withdrawal rule 09:54 Is £40,000 per year enough in retirement? 11:03 The State Pension 12:22 Inflation and the impact on savings and pensions 13:42 How can you save £1 million? 14:34 Pension tax relief and employer contributions 19:42 Junior pensions and Inheritance Tax 20:48 Workplace pensions and Auto-Enrolment 22:44 How can self-employed people start a pension? 23:38 £4 on a coffee vs. £4 in your pension 27:36 How much can £5,000, £10,000 and £20,000 grow in 40 years? 28:16 The annual allowance on pension contributions Further reading, listening and watching: (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) Other useful resources: (PensionBee) (PensionBee) (PensionBee) (Money to the Masses) (Pensions UK) (GOV.UK) (The Times) (The Calculator Site) (Dr. Thomas J. Stanley) (Forbes) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Faith Archer (@MuchMoreWithLess) on , and . Follow Money to the Masses (@moneytothemasses) on , , , , , and . /episode/index/show/pensionconfident/id/38766965

E42: Should you pay for your kids to go to university? With Tom Allingham, Kia Commodore, and Stewart Twynham 09/28/2025

E42: Should you pay for your kids to go to university? With Tom Allingham, Kia Commodore, and Stewart Twynham 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: . University has never been more expensive. A 2025 report from the Higher Education Policy Institute found that . But even the maximum annual Maintenance Loan available to students from the lowest income households would only cover half this. So who’s expected to plug the gap: the students or their parents? Join our host, Philippa Lamb, and our expert panel as they discuss the financial realities new students are facing and how parents can support their children through university. Communications Director at , Tom Allingham; Founder of , Kia Commodore; and Engineering Manager at , Stewart Twynham. Episode Breakdown: 04:10 What are Tuition and Maintenance Loans? 07:11 How families can navigate university costs 10:54 The impact of household income 15:18 Is university good value for money? 18:15 Price of a pint across the UK 20:28 Can students supplement costs with part-time jobs? 22:00 Should parents pay for their kids to go to university? 23:51 Financial health check for parents 28:04 How can student finance be improved? Further reading, listening and watching: To learn more about supporting students at university, check out these articles, podcasts and videos from PensionBee: Episode 42 transcript (Blog) (Podcast) (Podcast) (Blog) (Video) (Blog) (Article) (Blog) (Blog) Other useful resources: (GOV.UK) (The Independent) (Save the Student) (GOV.UK) (Save the Student) (Save the Student) (IFS) (PensionBee) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Save The Student (@SaveTheStudent) on , , , , and . Follow the Pennies To Pounds (@penniestopound) on , , , , and . /episode/index/show/pensionconfident/id/38351335

BONUS EPISODE: Why do we need a ‘Pension Switch Guarantee’? 09/17/2025

TRAILER: Catch up on Series 4 of The Pension Confident Podcast (so far) 08/13/2025

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

E41: How can multi-generational living save you money? With Sam Bartley, Molly Broome, and Simmy Kaur 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: . 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 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, ; Sam Bartley; Senior Economist at the think-tank, Molly Broome; and Senior Social Media Manager at , 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: (Blog) (Podcast) (Podcast) (Podcast) (Podcast) (Pensions Explained) (Blog) (Pensions Explained) (Blog) (Blog) (Video) (Video) Other useful resources: (Resolution Foundation) (MoneyHelper) (GOV.UK) (Age UK) (NHS) (PensionBee) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow (@bamcomedyuk) on , , , , . Follow the (@resolutionfoundation) on , , , , and . /episode/index/show/pensionconfident/id/37545440

BONUS EPISODE: Six tips for automating your personal finances 07/23/2025

E40: The ADHD tax - how much is it costing you? with Dr Tara Quinn, Krystle McGilvery and Emily Tribe 06/29/2025

BONUS EPISODE: Personal finance tips for the self-employed 06/17/2025

BONUS EPISODE: Understanding market volatility 05/28/2025

E39: Trump, tariffs and what it all means for your pension with Emma Maslin, Lucy Evans and Clare Reilly 05/20/2025

E39: Trump, tariffs and what it all means for your pension with Emma Maslin, Lucy Evans and Clare Reilly 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: . 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, , and Founder of Lucy Evans, Personal Finance Reporter, Clare Reilly, Chief Engagement Officer, 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: (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Pensions Explained) (Pensions Explained) (Pensions Explained) (Pensions Explained) Other useful resources: (Wikipedia) (Bankrate) (The Daily Brit) (CMS Wealth) (Sage Journals) (Magnify Money) (Unbiased) (Forbes) (Money Helper) (FCA) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Emma Maslin (@moneywhisperer_) on , , and . Follow Lucy Evans () on and . /episode/index/show/pensionconfident/id/36642695

E38: How to shift careers with Hannah Martin, Suzanne Noble, and Anindya Bhattacharyya 04/27/2025

E38: How to shift careers with Hannah Martin, Suzanne Noble, and Anindya Bhattacharyya 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: . Since the COVID-19 pandemic, . With artificial intelligence (AI) posing potential risks to many jobs, . 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 , Hannah Martin; Co-Founder of , Suzanne Noble; and Senior Software Engineer at , 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: (Blog) (Podcast) (Podcast) (Podcast) (Podcast) (Blog) (Pensions Explained) (Pensions Explained) (Blog) (Blog) Other useful resources: Careers information, advice and guidance () (Udemy) (The Open University) (Centre for Ageing Better) (Susan Jeffers) (Unbiased) (PensionBee) (CIPD) (Google) (Coursera) (GOV.UK) (Centre for Ageing Better) (PensionBee) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Talented Ladies Club (@TalentedLadies) on , , , and . Follow Startup School for Seniors (@startupschoolforseniors) on , , , and . /episode/index/show/pensionconfident/id/36291830

BONUS EPISODE: What does the 2025/26 tax year mean for your finances? 04/07/2025

E37: The easiest way to retire with more money with Neil Bage, Bola Sol, and Laura Dunn-Sims 03/30/2025

E37: The easiest way to retire with more money with Neil Bage, Bola Sol, and Laura Dunn-Sims 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: . 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, ; Financial Adviser, Money Columnist and Author, ; and Head of Consumer PR at , 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: (Blog) (Podcast) (Blog) (Podcast) (Podcast) (Video) (Blog) (Video) (Blog) (Article) (Article) (Blog) (Calculator) (Blog) (Blog) (Blog) Other useful resources: (YouGov Survey) (PensionBee) (Pensions and Lifetime Savings Association) (GOV.UK) (BBC) (PensionBee) (PensionBee) (PensionBee) (Book) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Shaping Wealth (@shapingwealth) on , , and . Follow Bola Sol (@bolasol) on , , , , , and . /episode/index/show/pensionconfident/id/35902945

BONUS EPISODE: Tips for the end of the tax year 03/12/2025

E36: Is my pension funding climate change? With Rotimi Merriman-Johnson, Jesse Griffiths and Giorgia Antonacci 02/25/2025

BONUS EPISODE: How to stick to your financial resolutions 02/12/2025

E35: The cost of divorce with Lynn Beattie, Harry Gates and Lydia Hunt 01/26/2025

E35: The cost of divorce with Lynn Beattie, Harry Gates and Lydia Hunt 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: . 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 . 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 , Lynn Beattie; Co-Founder at , Harry Gates; and ’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 , 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: (Podcast) (Podcast) (Podcast) (Video) Other useful resources: (GOV.UK) (GOV.UK) (House of Commons Library) (GOV.UK) (GOV.UK) (Interactive Investor) (University of Manchester) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Lynn Beattie, on , , and . Follow on , , and . /episode/index/show/pensionconfident/id/34994625

S4 TRAILER: The Pension Confident Podcast 01/05/2025

E34: Unpacking 10 years of the pension changes with Damien Fahy, Sam Brodbeck, and Romi Savova 12/15/2024

E34: Unpacking 10 years of the pension changes with Damien Fahy, Sam Brodbeck, and Romi Savova 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: . 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 , Damien Fahy; Money Advice Editor at , Sam Brodbeck; and ’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: (Podcast) (Podcast) (Podcast) (Podcast) (Podcast) Other useful resources: (Gretel) (Office for National Statistics) (PensionBee) (GOV.UK) (Pensions and Lifetime Savings Association) (Book) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Money to the Masses (@moneytothemasses) on , , , , , and . Follow Times Money Mentor (@timesmoneymentor) on , , , , , and . /episode/index/show/pensionconfident/id/34413240