The Pension Confident Podcast
We get it, pensions can be overwhelming. But here at PensionBee, we're on a mission to build pension confidence. That's where The Pension Confident Podcast comes in. With the help of financial experts, we dig into topics that really matter - from the basics of how pensions, ISAs and mortgages work, to how you can start to use your money to save for a happy retirement. Subscribe today to hear from some of the best brains in personal finance every month and get expert insights from the PensionBee team.
info_outline
E52: Is it worth getting married? With Mike Donkor, Philippa Dolan and Jasper Martens
07/27/2026
E52: Is it worth getting married? With Mike Donkor, Philippa Dolan and Jasper Martens
For the first time ever, fewer than half of UK adults are married or in a civil partnership, yet the law hasn’t caught up with how many of us now live together instead. So, legally and financially, is it still worth getting married? Join our host, Philippa Lamb, and our expert panel as they discuss whether marriage still pays off financially and legally, and what unmarried couples need to put in place instead: Financial Planner, ; Solicitor and Partner at , ; and Chief Marketing Officer at , . Episode breakdown 01:18 Why marriage rates are falling 05:44 The financial perks of marriage 09:04 When unmarried couples split 12:41 Avoiding the money conversation 16:20 How are pensions shared 19:28 Who gets the pets? 21:15 Protecting your partner with a will 24:22 Cohabitation Agreements and annual reviews 28:48 A fairer end to relationships Further reading and listening To learn more about managing money in a couple, check out these articles and podcasts from PensionBee: (Blog) (Podcast) (Podcast) (Article) (Article) (Blog) (Blog) (Article) Other useful resources (GOV.UK) (GOV.UK) (The Law Society) (Office for National Statistics) (GOV.UK) (GOV.UK) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Collyer Bristow (@Collyer_Bristow) on , , , and . Follow Mike Donkor (@michaelgdonkor) on , , and . 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: .
/episode/index/show/pensionconfident/id/42224330
info_outline
BONUS EPISODE: “I put my money where my mouth is”
07/16/2026
BONUS EPISODE: “I put my money where my mouth is”
In this bonus episode, we hear from PensionBee customer Sally as she shares her pension story. From decades of putting money into living over saving, and losing her husband suddenly in his 40s, to retirement in her 60s and choosing a pension plan that truly reflects her values. We unpack Sally’s pension journey with pensions expert Veronica Morozova from PensionBee, covering: why financially literate people still don’t save; how emotional barriers can be a bigger obstacle than lack of information; the tax benefits of saving into a pension; and what values-based investing actually means in practice. Episode breakdown 00:39 Meet Sally 02:48 ‘Present bias’ and money 06:10 Tax efficiency in retirement 10:11 Values-based investing Further reading To learn more about the topics discussed in this bonus episode, check out these articles from PensionBee: (Web) (Blog) (Article) (Article) (Blog) Other useful resources (PensionBee) (Pensions UK) (PensionBee) (GOV.UK) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/42109480
info_outline
BONUS EPISODE: How does market volatility shape your pension pot?
07/06/2026
BONUS EPISODE: How does market volatility shape your pension pot?
Market volatility is back in the headlines, and if you’ve noticed your pension balance moving up and down, you’re not alone. From tariffs to geopolitical tensions, there’s no shortage of reasons to feel uneasy. But before you rush to make any changes, it’s worth understanding how volatility actually works and why, more often than not, staying put is the smartest move. Join our host, Philippa Lamb, and VP Personal Finance at PensionBee, Maike Currie as they discuss: what market volatility is and what drives it; why pension pots are more resilient than you might think, and how quickly markets have historically recovered; why keeping up contributions during a downturn can actually work in your favour; and how to check whether you’re in the right plan for your life stage. Episode breakdown 00:49 What’s market volatility? 03:21 How far can a pension balance fall? 05:25 The investor upside of a market downturn 08:32 How quickly can markets recover? 09:55 Pension plans for different life stages Further reading and listening To learn more about investing and stock markets, check out these articles and podcasts from PensionBee: (Podcast) (Podcast) (Blog) (Blog) (Blog) (Blog) (Article) Other useful resources (Investopedia) (Federal Reserve History) (PensionBee) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/41955120
info_outline
E51: How to resist lifestyle creep with Clare Seal, Edoardo Moreni, and Alex Langley
06/28/2026
E51: How to resist lifestyle creep with Clare Seal, Edoardo Moreni, and Alex Langley
Are you earning more than you were five years ago but still don’t feel better off? You might be experiencing ‘lifestyle creep’. The subtle way spending expands to quietly swallow every pay rise, bonus, and promotion. From Ocado upgrades and subscription sprawl to beauty routines that keep growing, lifestyle creep is surprisingly easy to fall into and remarkably hard to spot. Join our host, Philippa Lamb, and our expert panel as they discuss how to identify, resist, and even reverse lifestyle creep: Content Creator, Clare Seal; Co-Founder and CEO of , Edoardo Moreni; and Head of Customer Success Team at PensionBee, Alex Langley. Episode breakdown 01:38 What is lifestyle creep? 05:23 Trigger points and the psychology of spending more 09:41 Supermarket upgrades and the subscription trap 13:17 Being intentional and auditing your spending 16:05 The real pension cost of lifestyle creep 19:20 How to cut back without making life miserable 21:31 Building resilience and talking about money 26:12 Budgeting frameworks and tools that work Further reading, listening and watching To learn more about lifestyle creep and how to manage your money, check out these articles, podcasts and videos from PensionBee: (Podcast) (Blog) (Article) (Blog) (Blog) (Video) (Video) Other useful resources (The Calculator Site) (PensionBee) (Finder) (Pensions UK) (PensionBee) (YouGov) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Clare Seal (@clare.seal) on , , and . Follow Emma App (@emma_finance) on , , , , and . 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: .
/episode/index/show/pensionconfident/id/41825890
info_outline
BONUS EPISODE: “I’ve often said that I retired when nobody wanted me anymore”
06/18/2026
BONUS EPISODE: “I’ve often said that I retired when nobody wanted me anymore”
In this bonus episode, we hear from PensionBee customer Nigel. Now 76 and retired, he spent decades commuting into Central London, raising two children, and telling himself he’d sort his pension “someday”. A bad experience with an active fund manager and an IFA changed all that - and a tip from his son led him to PensionBee. We unpack Nigel’s pension journey with pensions expert Dani Skerrett from PensionBee, covering the tax benefits of saving into a pension, when a financial adviser is (and isn’t) worth it, how to think about how much you actually need in retirement, and what life in drawdown really looks like day-to-day. Episode breakdown 00:48 Meet Nigel 03:19 The tax benefits of saving into a pension 06:47 Should you use a financial adviser? 12:11 How much do you actually need for retirement? 16:12 Nigel’s life in retirement Further reading and listening To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: (Podcast) (Podcast) (Blog) (Article) (Article) (Article) (Article) Other useful resources (PensionBee) (Pensions UK) (PensionBee) (GOV.UK) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/41690510
info_outline
BONUS EPISODE: Should you buy Premium Bonds or save into a Cash ISA?
06/08/2026
BONUS EPISODE: Should you buy Premium Bonds or save into a Cash ISA?
Premium Bonds and Cash ISAs are two of the most popular savings options in the UK, but which one is right for you? With interest rates fluctuating and the cost of living still a real concern, it’s more important than ever to make your savings work as hard as possible. Join our host, Philippa Lamb, and VP Personal Finance at PensionBee, Maike Currie as they discuss: how Premium Bonds work, including the odds, limits, and why there’s no guaranteed return; how Cash ISAs compare on interest rates, access, and tax efficiency; and who should consider which option, and whether holding both makes sense. Episode breakdown 00:45 How Premium Bonds work 02:41 The catch with Premium Bonds 05:05 How Cash ISAs work 07:00 Tax considerations 07:35 Which is right for you? Further reading and listening: To learn more about Premium Bonds and Cash ISAs, check out these articles and podcasts from PensionBee: (Blog) (Calculator) (Article) (Article) (Blog) (Podcast) Other useful resources (NS&I) (GOV.UK) (Barclays) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/41546865
info_outline
E50: Starting a pension from £0 at 50 years old with Hannah Martin, Simonne Gnessen and Sarah Durber
05/24/2026
E50: Starting a pension from £0 at 50 years old with Hannah Martin, Simonne Gnessen and Sarah Durber
An estimated 7 million people aged over 50 in the UK have no private pension savings at all. Here's the reality: if you're one of them, it can feel too late to start. It isn't. Whether it's career breaks, the cost of living, a divorce, or simply never getting round to it - millions of people reach 50 with little or nothing put away. So how do you go from £0 to a pot that actually makes a difference? Join our host, Philippa Lamb, and our expert panel as they discuss starting a pension from scratch at aged 50: Founder of , Hannah Martin; Founder of , Simonne Gnessen; and VP Customer Success at ; Sarah Durber. Episode breakdown 01:41 When did our panellists start saving? 03:31 Why so many people reach 50 with no pension 06:56 The real cost of opting out 11:16 Pension Sharing Orders and divorce 13:11 How to start from £0 at 50 years old 17:27 Making the most of your workplace pension 19:26 How contributing just a little more adds up 26:26 Property, side hustles, and creative retirement strategies Further reading, listening and watching: To learn more about building your pension later in life, check out these articles and podcasts from PensionBee: (Podcast) (Article) (Article) (Blog) (Blog) (Blog) (Blog) (Blog) (Video) (Video) (Video) Other useful resources (PensionBee) (PensionBee (PensionBee) (Pensions Age) (Pensions UK) (Pensions Age) (MoneyWeek) (GOV.UK) (GOV.UK) (The Calculator Site) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Rich Retiree (@rich.retiree) on , , and . Follow Wise Monkey Financial Coaching (@simonnegnessen) on , , , and . 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: .
/episode/index/show/pensionconfident/id/41393675
info_outline
BONUS EPISODE: “As soon as I left that job, the pension stopped”
05/14/2026
BONUS EPISODE: “As soon as I left that job, the pension stopped”
On this bonus episode, we hear from PensionBee customer Becca. Auto-enrolled into her first workplace pension, she assumed retirement saving would always just happen in the background. Then she went self-employed, and for eight years, it didn’t happen at all. We explore the self-employed pension gap with the help of pensions expert Dani Skerrett, Head of Content Marketing at PensionBee, covering everything from why Auto-Enrolment leaves millions of freelancers and sole traders behind, to the surprising cost of those years of disengagement. We also share how contributing just £30 a month can make a difference of thousands of pounds by retirement. Episode breakdown 00:34 Meet Becca 03:30 The self-employed pension gap 06:19 What stops self-employed people saving? 09:43 The cost of disengagement 14:26 Becca’s belief in teaching kids about money Further reading and listening To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: (Podcast) (Podcast) (Podcast) (Blog) (Blog) (Article) (Blog) (Article) Other useful resources (PensionBee) (Pensions UK) (GOV.UK) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/41276470
info_outline
BONUS EPISODE: How much can you pay into your pension this tax year?
05/04/2026
BONUS EPISODE: How much can you pay into your pension this tax year?
In this bonus episode of , we cover the key pension contribution rules and limits for the new , and what they could mean for your retirement savings. Join our host, Philippa Lamb, and VP Personal Finance at , Maike Currie, as they break down everything you need to know about: how much you’re allowed to pay into your pension this tax year; the contribution limits that apply based on your annual income; making the most of government top-ups; and what the updated rules could mean for your long-term finances. Episode breakdown 01:00 What’s the annual allowance? 04:55 Pension Lifetime Allowance scrapped 05:42 Exceeding your annual allowance 06:46 Using your carry forward allowance Further reading and listening To learn more about pension contributions, check out these articles and podcasts from PensionBee: (Podcast) (Podcast) (Podcast) (Article) (Blog) (Article) (Article) (Blog) Other useful resources (GOV.UK) (MoneyHelper) (MoneyHelper) (Pensions and Lifetime Savings Association) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/41122085
info_outline
E49: Can you still make money as a Buy-to-Let landlord? With Anna Pearce and Michael Annis
04/26/2026
E49: Can you still make money as a Buy-to-Let landlord? With Anna Pearce and Michael Annis
Becoming a landlord with Buy-to-Let properties has often been seen as a way to build long-term wealth. But with brand new rules, higher taxes and more paperwork, it’s becoming harder to turn a profit. Did you know that since 2022, ? So, are Buy-to-Lets still a good bet? And where does this leave existing landlords trying to make sense of a changing market? Today, we’re breaking down the real story behind Buy-to-Lets and what you need to know before you think about jumping in. Join our host, Philippa Lamb, and our expert panel as they discuss Buy-to-Lets: Buy-to-Let Landlord and Content Creator “Property Empress”, Anna Pearce; and Mortgage Adviser, Michael Annis. Episode breakdown 01:23 What’s happening to the property market? 04:56 The Renters’ Rights Act explained 09:06 Are landlords really leaving the market? 11:35 Understanding rental yields 16:28 Eligibility rules for Buy-to-Let mortgages 20:22 Stamp Duty on second properties 22:36 Building a property portfolio 25:44 The risk and reward of buying at auction Further reading and listening To learn more about property, check out these articles, podcasts and videos from PensionBee: (Podcast) (Podcast) (Video) (Video) (Blog) (Blog) (Video) (Video) (Blog) Other useful resources (MoneyHelper) (GOV.UK) (MoneyHelper) (GOV.UK) (MoneyHelper) (ONS) (GOV.UK) (MoneyHelper) (MoneyHelper) (MoneyHelper) (UK Landlord Tax) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Anna Pearce (@propertyempress) on , , , and . Follow Michael Annis on . 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: .
/episode/index/show/pensionconfident/id/40989290
info_outline
BONUS EPISODE: “A life-changing diagnosis refocused me on my beneficiaries”
04/16/2026
BONUS EPISODE: “A life-changing diagnosis refocused me on my beneficiaries”
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 rethinking his investment risk to naming beneficiaries and having long-overdue conversations with his family, with the help of pensions expert Dani Skerrett, Head of Content Marketing at PensionBee. Plus, we share how increasing your contributions by even 1% or 2% can make a staggering difference to your retirement pot. Episode breakdown 00:43 Meet David 04:19 Assessing his investments and consolidating 09:38 Hindsight on workplace pension contributions 14:41 The diagnosis that changed everything 17:02 Preparing his family for the worst 18:54 David’s dream retirement Further reading, listening and watching To learn more about the topics discussed in this bonus episode, check out these articles, podcasts and videos from PensionBee: (Blog) (Podcast) (YouTube) (Article) (Article) (Blog) (Article) Other useful resources (Financial Conduct Authority) (MoneyHelper) (PensionBee) (PensionBee) (PensionBee) (Pensions UK) (GOV.UK) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/40895700
info_outline
BONUS EPISODE: What does the 2026/27 tax year mean for your finances?
04/06/2026
BONUS EPISODE: What does the 2026/27 tax year mean for your finances?
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 Pension and personal pensions. Episode breakdown 01:09 What is the tax year? 02:25 Minimum and statutory pay for workers 04:08 The State Pension and ‘triple lock’ 06:20 Frozen thresholds on earnings and savings 10:46 Pension contributions and compound interest Further reading and listening To learn more about the 2026/27 tax year, check out these articles and podcasts from PensionBee: (Blog) (Blog) (Blog) (Article) (Blog) (Blog) Other useful resources (GOV.UK) (GOV.UK) (GOV.UK) (GOV.UK) (GOV.UK) (GOV.UK) (GOV.UK) (GOV.UK) (GOV.UK) (Pensions and Lifetime Savings Association) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/40709235
info_outline
E48: Are you ready for the ‘great wealth transfer’? With Niaz Azad, Annaliese Barber, and Dan Stean
03/29/2026
E48: Are you ready for the ‘great wealth transfer’? With Niaz Azad, Annaliese Barber, and Dan Stean
Did you know that ? It’s being called one of the largest movements of wealth in British history. So are you ready for the ‘great wealth transfer’? Many Millennials are facing tough financial challenges - with lingering student loans, high rent or mortgage costs and expensive childcare. A wealth transfer could be transformative for this generation. But here’s the catch: without proper estate and financial planning, many families could face hefty tax bills. And from April next year, pensions will be included in estates for Inheritance Tax purposes, which could push that tax bill much higher! Join our host, Philippa Lamb, and our expert panel as they discuss the ‘great wealth transfer’: Co-Founder of , Niaz Azad; Solicitor and Director at , Annaliese Barber; and Senior Performance Management Manager at ; Dan Stean. Episode breakdown 01:55 Planning for an inheritance 03:58 Generational divide between Baby Boomers and Millennials 07:27 From meritocracy, to inheritocracy 10:50 Inheritance Tax (IHT) basics and thresholds 15:07 Wills matter, even when young 18:37 Estate planning conversations create clarity 21:03 Gifting rules and pitfalls 23:56 When family dynamics and money collide Further reading and listening To learn more about intergenerational wealth, check out these articles and podcasts from PensionBee: (Podcast) (Podcast) (YouTube) (Article) (Article) (Article) (Blog) (Blog) (Article) Other useful resources (The Intergenerational Foundation) (Centre for Ageing Better) (The Guardian) (GOV.UK) (MoneyHelper) (MoneyHelper) (MoneyHelper) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Millennial Money UK (@MillMoneyUK) on , , , , and . Follow Richard Reed Solicitors (@richardreedsolicitors) on , and . 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: .
/episode/index/show/pensionconfident/id/40642800
info_outline
BONUS EPISODE: “I switched my pension so it complies with my faith”
03/13/2026
BONUS EPISODE: “I switched my pension so it complies with my faith”
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 - with the help of pension expert Rachael Oku, VP Brand and Communications at PensionBee. Plus, we share helpful guidance for prioritising your future savings while juggling the more immediate, everyday costs. Episode breakdown 01:06 Homebuying vs. saving for retirement 03:20 Rising costs and financial impact 05:05 Faith-driven investing options 08:39 Exploring multiple income streams Further reading, listening and watching To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: (Blog) (Podcast) (Podcast) (Article) (Article) (Article) (Blog) Other useful resources (GOV.UK) (GOV.UK) (PensionBee) (Pensions UK) () (PensionBee) (Skipton) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/40423245
info_outline
E47: The ‘Singles Tax’ - how much is it costing you? With Bobby Seagull MBE, Emma Barnes, and Valentina Adaldo
02/22/2026
E47: The ‘Singles Tax’ - how much is it costing you? With Bobby Seagull MBE, Emma Barnes, and Valentina Adaldo
. Here’s the issue: being single could be costing you more. The so-called ‘Singles Tax’ is real. Cohabiting couples pay less per person on everything from energy bills to hotel rooms. So if you’re single, or living alone, how much extra are you paying and what can you do about it? Join our host, Philippa Lamb, and our expert panel as they discuss the ‘Singles Tax’: Maths Teacher turned Broadcaster, MBE; Content Creator, Emma Barnes; Senior eCRM Manager at ; Valentina Adaldo. Episode breakdown 05:18 Flatmates vs. living alone trade-offs 08:02 ‘Houses before spouses’ movement 10:48 Redundancy when single hits harder 14:40 Building your own financial safety net 15:09 Savings hacks for couples vs. singles 18:17 Wedding season costs and pooling gifts 23:42 Saving for retirement while single 25:59 Money tips for savvy singletons Further reading and listening To learn more about the ‘Singles Tax’, check out these articles and podcasts from PensionBee: (Blog) (Podcast) (Podcast) (Podcast) (Article) (Blog) (Blog) (Blog) (Blog) (Blog) Other useful resources (MoneyHelper) (Corporate Adviser) (The Guardian) (Pensions UK) (Uswitch) (Finder) (The Guardian) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Bobby Seagull MBE (@bobby_seagull) on , , , , , and . Follow Emma Barnes (@emmaebarnes) on , and . 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: .
/episode/index/show/pensionconfident/id/40176915
info_outline
BONUS EPISODE: “I work as a handyman to top up my pension income”
02/13/2026
BONUS EPISODE: “I work as a handyman to top up my pension income”
In this bonus episode we hear from PensionBee customer, Tony, as he tells us his pension story. Now in his early sixties, Tony’s working part-time as a handyman to top up the income he’s receiving from his pension savings. With the help of pension pro, and VP Brand and Communications at PensionBee, Rachael Oku, we’ll unpack the tips you might want to take from Tony’s story. This episode offers especially useful lessons for older savers approaching retirement, helping you make sense of what a ‘phased retirement’ could mean for your finances. Episode breakdown 01:07 The popularity of phased retirement 03:57 Balancing mortgage payments and pension contributions 08:12 Navigating different allowances for different accounts 11:28 Waiting on the State Pension to fully retire Further reading, listening and watching To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: (Blog) (Podcast) (Podcast) (Podcast) (Article) (Article) (Article) (Article) (Article) Other useful resources (GOV.UK) (PensionBee) (Pensions UK) (MoneyHelper) (GOV.UK) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/40096885
info_outline
E46: How to bounce back from redundancy with Jimmy McLoughlin OBE, Eleanor Mills and Emma Ferenc-Bachelor
01/25/2026
E46: How to bounce back from redundancy with Jimmy McLoughlin OBE, Eleanor Mills and Emma Ferenc-Bachelor
Where do you see yourself in five years? In a rapidly changing world of work, that’s becoming harder to answer. . With UK businesses feeling the squeeze, more workers will be forced to reconsider their career in the coming years. The combination of higher secondary Class 1 National Insurance contributions, increased National Minimum Wage, and is leading experts to forecast a rise in redundancies. Join our host, Philippa Lamb, and our expert panel as they discuss the how to bounce back from redundancy: Former Downing Street Adviser and Chief Podcaster at , Jimmy McLoughlin OBE; Former Editorial Director of The Sunday Times and Founder of , Eleanor Mills; and Training and Culture Manager at ; Emma Ferenc-Bachelor. Episode breakdown 02:12 How it feels being made redundant 05:46 The triple whammy hitting employers 08:20 Where new jobs will come from 10:59 Reskilling in midlife 13:20 How to sell a squiggly career 15:22 Your redundancy rights 17:25 Cutting spending and saving tips 19:06 Everyday networking 21:19 Reframing the shame around redundancy Further reading and listening To learn more about switching careers and employment rights, check out these articles and podcasts from PensionBee: (Blog) (Podcast) (Podcast) (Blog) (Pensions Explained) (Blog) (Blog) Other useful resources (National Careers Service) (The Open University) (PensionBee) (Noon) (Centre for Ageing Better) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Jimmy McLoughlin OBE (@jimmym) on , , , , and . Follow Noon (@uponnoon) on , , , , and . 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: .
/episode/index/show/pensionconfident/id/39849835
info_outline
BONUS EPISODE: “I stopped paying into my pension for 20 years”
01/15/2026
BONUS EPISODE: “I stopped paying into my pension for 20 years”
On this special bonus episode, we’re doing something new! We’re going to hear from PensionBee customer, Tara-Jane, as she tells us her pension story in her own words. From starting early at 17 years old, to the impact of ignoring her pension for 20 years - it’s been a rollercoaster of retirement decisions. With the help of pension pro, and VP Brand and Communications at PensionBee, Rachael Oku, we’ll unpack the tips you might want to take from Tara-Jane’s story. There are useful lessons for every saver in this episode, whichever stage of retirement planning you’re at. Episode breakdown 01:22 Starting a pension at 17 years old 05:37 Spending on the present, without saving for the future 09:49 Frustrations with rising State Pension age 13:56 When was the last time you did a pension review? Further reading, listening and watching To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: (Blog) (Podcast) (Podcast) (Podcast) (Article) (Article) (Blog) (Article) (Blog) (Article) (Article) (Article) (Blog) Other useful resources (GOV.UK) (PensionBee) (PensionBee) (Pensions UK) (GOV.UK) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/39729895
info_outline
S5 TRAILER: The Pension Confident Podcast
01/02/2026
S5 TRAILER: The Pension Confident Podcast
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 will be live at the end of this month, and with change in the air, it’s all about bouncing back from redundancy. As our experts will give tips for how to turn a set back into a step up on the career ladder. Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . 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: .
/episode/index/show/pensionconfident/id/39468635
info_outline
BONUS EPISODE: The best from our Series 4 guests with Philippa Lamb and Lucy Greenwell
12/28/2025
BONUS EPISODE: The best from our Series 4 guests with Philippa Lamb and Lucy Greenwell
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 from: Author and Founder of , Lynn Beattie; Co-Founder at , Harry Gates; Founder and Editor of , Damien Fahy; Founder of , Hannah Martin; Co-Founder of , Suzanne Noble; Senior Software Engineer at , Anindya Bhattacharyya; and Behavioural Expert and Co-Founder of Shaping Wealth, . Episode breakdown 02:20 Biggest “I never knew” moment 04:07 Most shocking number 06:01 Surprising money tip 08:34 Funniest episode 10:22 Best episode for beginners 14:12 See you next year, for Series 5 Further reading, listening and watching To learn more about the topics discussed in this bonus episode, check out these articles, podcasts and videos from PensionBee: (Blog) (Podcast) (Podcast) (Podcast) (Podcast) (Blog) (Blog) (Video) (Calculator) (Video) (Blog) Other useful resources (Book) (GOV.UK) (PensionBee) (PensionBee) (PensionBee) (Book) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and .
/episode/index/show/pensionconfident/id/39454715
info_outline
E45: The rise of micro-retirements with Ola Majekodunmi, Lauren Spearman, and Tom Carter
12/17/2025
E45: The rise of micro-retirements with Ola Majekodunmi, Lauren Spearman, and Tom Carter
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: . Imagine hitting pause on your career, not decades from now, but far sooner. What would you do with all that freedom? Today we’re talking about the rise of micro-retirements, or sabbaticals, as they’re better known. It’s becoming as a bold way to take control of their time, blending career progression and meaningful rest. Unlike traditional retirement, which often feels like a distant milestone, micro-retirements offer the chance to hit pause regularly. Join our host, Philippa Lamb, and our expert panel as they discuss the rise of micro-retirements: Founder of , Ola Majekodunmi; , Lauren Spearman; and Senior Performance Marketing Manager at , Tom Carter. Episode breakdown 02:50 How popular are micro-retirements? 04:50 Making the most of our health capital 08:40 Tips for saving towards two retirements 11:00 Are sabbaticals the cure for burnout? 14:42 Switching off during your sabbatical 18:35 Financial planning for your micro-retirement Further reading, listening and watching To learn more about taking a career break and saving for retirement, check out these articles and podcasts from PensionBee: (Podcast) (Podcast) (Podcast) (Blog) (Blog) (Blog) (Blog) (Blog) Other useful resources (Investopedia) (Investopedia) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow All Things Money (@allthingsmoney_) on , , , and . Follow Lauren Spearman (@spearmanlauren) on , and .
/episode/index/show/pensionconfident/id/39423700
info_outline
BONUS EPISODE: What does the Autumn Budget 2025 mean for your finances?
12/01/2025
BONUS EPISODE: What does the Autumn Budget 2025 mean for your finances?
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: . Labour said this year’s Autumn Budget aims to address an economy that’s “”. But will the changes they’ve announced leave you better off? Before Budget day, analysts were estimating that the government was . The challenge for Chancellor Rachel Reeves was to fill that hole while balancing economic growth and fairness. Join our host, Philippa Lamb, and our expert guest as they unpack exactly what the Chancellor announced and what it means for your savings: Founder and CEO of , Holly Mackay. Episode breakdown: 02:07 Changes to take-home pay and cost of living 04:39 Impact of raised National Insurance and Minimum Wage for employers 07:45 How will homeowners and landlords be hit by the Budget? 10:08 What’s been announced about savings, investments and pensions? 13:55 With Christmas around the corner, any good news for families? Further reading: To learn more about taxes, pensions and savings, check out these articles from PensionBee: (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Article) Other useful resources: (GOV.UK) (PensionBee) (PensionBee) (PensionBee) (PensionBee) (PensionBee) (PensionBee) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Boring Money (@boringmoney) on , , , and .
/episode/index/show/pensionconfident/id/39220605
info_outline
E44: Buy Now, Pay More? With Alice Tapper, Tim Hogg, and Dani Skerrett
11/23/2025
E44: Buy Now, Pay More? With Alice Tapper, Tim Hogg, and Dani Skerrett
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: . From Buy Now, Pay Later plans to monthly subscriptions, modern conveniences promise to make our lives easier. But these small payments can quietly stack up into a sizable debt that jeopardises our financial future. For example, a £10-a-month streaming service seems harmless, but six months later, you might be paying for five you barely use. Or those ‘Buy Now, Pay Later’ purchases you thought were manageable could turn into growing debt. Join our host, Philippa Lamb, and our expert panel as they discuss the hidden cost of convenience: Founder of , Alice Tapper; Director at , Tim Hogg; and Head of Content Marketing at , Danielle Skerrett. Episode breakdown: 03:07 Spending season is here 06:23 £30 bill, or pay £10 today? 08:35 It’s free for you, but someone’s paying 10:12 The evolution of frictionless spending 13:33 Where’s the regulation? 17:23 Don’t let technology push you into high spending 19:51 Masterclass on proper usage 24:28 Dopamine hit of saving money 27:41 Tips for managing seasonal spending Further reading, listening and watching: To learn more about budgeting and debt, check out these articles and podcasts from PensionBee: (Blog) (Podcast) (Podcast) (Podcast) (Blog) (Blog) (Blog) (Article) (Blog) (Blog) Other useful resources: (Harvard Business School) (StepChange) (Citizens Advice) (Bank of England) (MoneySavingExpert) (Emma) (Snoop) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow Alice Tapper (@gofundyourself) on , and . Follow Fairer Finance (@fairerfinance) on , , and .
/episode/index/show/pensionconfident/id/39108130
info_outline
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
info_outline
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
info_outline
BONUS EPISODE: Why do we need a ‘Pension Switch Guarantee’?
09/17/2025
BONUS EPISODE: Why do we need a ‘Pension Switch Guarantee’?
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: . For this bonus episode, we’re looking at how the pension transfer process works and why it should be improved to give savers more control of their money. We’re spotlighting the need for reform in the pensions industry, specifically with a ‘’ to make pension transfers as simple as switching banks. Only the government has the power to change this, so if you’d like to see a 10-day Pension Switch Guarantee, running until 24 January 2026. Pension switching is a subject close to the heart of PensionBee’s Founder and CEO, Romi Savova. Join our host, Philippa Lamb, as we rewind to where Romi unpacked 10 years of pension changes. Episode breakdown: 00:48 What inspired Romi to create PensionBee? 02:00 More jobs means more lost pensions 02:37 Take an interest in your retirement 03:45 It should be simpler to switch pension providers 04:56 Sign the petition for a ‘Pension Switch Guarantee’ Further reading To learn more about pension transfers and personal finances, check out these articles from PensionBee: (Blog) (Press) (Report) (Article) (Press) (Press) (Article) (Blog) Other useful resources: (BBC) (Petition) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and .
/episode/index/show/pensionconfident/id/38236395
info_outline
TRAILER: Catch up on Series 4 of The Pension Confident Podcast (so far)
08/13/2025
TRAILER: Catch up on Series 4 of The Pension Confident Podcast (so far)
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: . 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: 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: ; and . Follow PensionBee (@PensionBee) on , , , , , and .
/episode/index/show/pensionconfident/id/37793965
info_outline
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
info_outline
BONUS EPISODE: Six tips for automating your personal finances
07/23/2025
BONUS EPISODE: Six tips for automating your personal finances
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: . For this special bonus episode, we’re looking at how automation can help you manage your personal finances. Standing orders, calendar reminders and apps - they can all save us time and make sure we keep our payments and savings on track. We’ve gathered six top tips and insights from our guests to help you get your finances in order. Join our host, Philippa Lamb and our expert guests to hear the best bits from the following episodes: Episode breakdown: 00:41 Establishing good financial habits 01:28 Sharing expenses 02:14 Automation and credit scores 04:26 Boosting your credit score 06:00 Stress-free retirement planning 07:22 Financial personalities Further reading, listening and watching: To learn more about automation and personal finances, check out these articles and resources from PensionBee: (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Blog) (Pensions Explained) (Tool) Other useful resources: (Experian) (Experian) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and .
/episode/index/show/pensionconfident/id/37517570
info_outline
E40: The ADHD tax - how much is it costing you? with Dr Tara Quinn, Krystle McGilvery and Emily Tribe
06/29/2025
E40: The ADHD tax - how much is it costing you? with Dr Tara Quinn, Krystle McGilvery and Emily Tribe
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: . 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. , Registered Practitioner Psychologist; , Financial Strategist and Behavioural Expert; and Emily Tribe, Head of Culture, Inclusion and Wellbeing, 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: (Blog) (Podcast) (Blog) (Blog) (Blog) (Blog) (Pensions Explained) (Pensions Explained) Other useful resources: (ADHD Traction) (BBC) (The Independent) (Monzo) (NatWest) (Barclays) (FinTech Futures) (Think ADHD) (Female Invest) (NHS) Catch up on the latest news, read our transcripts or watch on YouTube: Follow PensionBee (@PensionBee) on , , , , , and . Follow on , , , and . Follow on and .
/episode/index/show/pensionconfident/id/37175770