The Pension Confident Podcast

Avsnitt

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  BONUS EPISODE: "Discussing money is a taboo subject" 17.09.2026 23min

  In this bonus episode, we hear from PensionBee customer Joumana as she shares her pension story. From moving to the UK from Lebanon 13 years ago with no idea a personal pension was even an option, to buying back missing National Insurance years and picking an investment plan that matches her appetite for risk as a freelancer. We unpack Joumana's pension journey with pensions expert Dani Skerrett from PensionBee, covering: why the self-employed pension gap exists, and how flexible contributions can help; how to check and fill gaps in your National Insurance record; how your pension is protected by the FSCS; and the Retirement Living Standards, and what they mean for your own retirement goal.   Episode breakdown 01:04 Meet Joumana 08:58 How your pension is protected 13:03 Self-employed pension contributions 17:24 The Retirement Living Standards   Further reading To learn more about the topics discussed in this bonus episode, check out these articles from PensionBee: Episode transcript (Blog) How much should I have in my pension? (Blog) How to check your State Pension forecast (Blog) Is my pension protected by the FSCS? (Article) Pension contribution limits (Article) SIPP vs. defined contribution pension: which is the best for self-employed? (Article) What is the State Pension? (Article)   Other useful resources Check your National Insurance record (GOV.UK) Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].
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  BONUS EPISODE: Should you save into a Junior ISA or a Junior SIPP? 07.09.2026 11min

  With the kids back at school, is now the time to start saving or investing for their future? Join our host, Philippa Lamb, and Maike Currie, VP Personal Finance at PensionBee, as they break down the key differences between a Junior ISA and a Junior SIPP, how each is taxed, and which one might be right for your family.   Episode breakdown 00:51 Junior ISAs and Junior SIPPs at a glance 02:29 How Junior ISAs and Junior SIPPs are taxed 06:07 Cash Junior ISA versus Stocks and Shares Junior ISA 08:04 How to decide between a Junior ISA or Junior SIPP   Further reading, listening, and watching To learn more about saving for children, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E8: How to teach kids about money (Podcast) E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast) E42: Should you pay for your kids to go to university? (Podcast) 5 tax allowances to make your savings and investments more tax-efficient in 2026/27 (Blog) 7 of the best ways of giving money to grandchildren (Blog) Buying a property: the basics - PensionBee's Milestone Moments (Video) How to diversify your pension investments (Blog) How to make your child a millionaire (Blog) What is a Junior ISA? (Article) What is compounding? (Article) Should I pay into a pension or an ISA? (Article)   Other useful resources Junior Individual Savings Accounts (ISA) (GOV.UK) Junior pensions: what is a junior SIPP and how does it work? (Unbiased)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].
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  BONUS EPISODE: The best from our Series 5 guests (so far) with Philippa Lamb and Lucy Greenwell 30.08.2026 16min

  We're over halfway through Series 5, and it's already covered a lot of ground: whether marriage makes financial sense, what to do if you're 50 years old with nothing saved for retirement, how to stop lifestyle creep swallowing your pay rise, and plenty more. So our Host, Philippa Lamb, pulled Series Producer, Lucy Greenwell, out from behind the glass to argue over their favourite moments from the 33 guests who've joined the podcast so far this year.   Episode breakdown 01:42 Best episode for first-time listeners 04:20 Most surprising number 08:16 Funniest episode 10:40 Best money tip 13:44 Most shocking moment   Catch up on all of Series 5 of The Pension Confident Podcast today!   Explainer Episodes Bonus episode: What does the 2026/27 tax year mean for your finances? With Maike Currie Bonus episode: How much can you contribute into your pension each year? With Maike Currie Bonus episode: Should you buy Premium Bonds or save into a Cash ISA? With Maike Currie Bonus episode: How does market volatility shape your pension pot? With Maike Currie   Customer Episodes Bonus episode: "I stopped paying into my pension for 20 years" With Rachael Oku and PensionBee customer, Tara-Jane Bonus episode: "I work as a handyman to top up my pension income" With Rachael Oku and PensionBee customer, Tony Bonus episode: "I switched my pension so it complies with my faith" With Rachael Oku and PensionBee customer, Sanna Bonus episode: "A life-changing diagnosis refocused me on my beneficiaries" With Dani Skerrett and PensionBee customer, David Bonus episode: "As soon as I left that job, the pension stopped" With Dani Skerrett and PensionBee customer, Becca Bonus episode: "I've often said that I retired when nobody wanted me anymore" With Dani Skerrett and PensionBee customer, Nigel Bonus episode: "I put my money where my mouth is" With Veronica Morozova and PensionBee customer, Sally Bonus episode: "There's no point being the richest person in the graveyard" With Veronica Morozova and PensionBee customer, Andy   Full Episodes E46: How to bounce back from redundancy with Jimmy McLoughlin OBE, Eleanor Mills, and Emma Ferenc-Bachelor E47: The 'Singles Tax' - how much is it costing you? With Bobby Seagull MBE, Emma Barnes, and Valentina Adaldo E48: Are you ready for the 'great wealth transfer'? With Niaz Azad, Annaliese Barber, and Dan Stean E49: Can you still make money as a Buy-to-Let landlord? With Anna Pearce and Michael Annis E50: Starting a pension from £0 at 50 years old with Hannah Martin, Simonne Gnessen and Sarah Durber E51: How to resist lifestyle creep with Clare Seal, Edoardo Moreni, and Alex Langley E52: Is it worth getting married? With Mike Donkor, Philippa Dolan, and Jasper Martens   And there's plenty more where that came from. We'll be back in September with three new episodes: 7 September - Bonus episode: Should you save into a Junior ISA or a Junior SIPP? With Maike Currie 17 September - Bonus episode: "Discussing money is a taboo subject" With Dani Skerrett and PensionBee customer, Joumana 27 September - E53: What might be missing from your investment portfolio? With Gabriel Nussbaum, Davinia Tomlinson, and Matt Batsman You don't want to miss it! So make sure you're subscribed to The Pension Confident Podcast today and catch every episode as soon as it airs.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].
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  BONUS EPISODE: "There's no point being the richest person in the graveyard" 20.08.2026 14min

  In this bonus episode, we hear from PensionBee customer Andy as he shares his pension story. From two decades living and working abroad and untangling the dormant pensions he left behind, to returning to the UK and working out what "enough" really means when you're planning around a Multiple Sclerosis (MS) diagnosis. We unpack Andy's pension journey with pensions expert Veronica Morozova from PensionBee, covering: why finding and consolidating old pensions matters, especially after working overseas; what 'QROPS' is, and how time spent abroad affects your State Pension; the tax benefits of paying into a pension through your own limited company; and how to plan for a range of retirement scenarios, including future care costs.   Episode breakdown 00:51 Meet Andy 04:12 Consolidating pensions and working abroad 08:13 Tax relief and self-employment 11:31 Planning for an uncertain future   Further reading and listening To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: Episode transcript (Blog) E15: How can we achieve financial inclusion? (Podcast) How to transfer an overseas pension to the UK (Article) Markets and tariffs: what's going on and what it means (Blog) Overseas pension transfers (Article) Pension tax relief and the tapered annual allowance for high earners (Article) The lump sum allowance, lump sum death benefit allowance, and overseas transfer allowance (Article) What happens to my pension if I move abroad? (Article) What is the State Pension? (Article)   Other useful resources Check the recognised overseas pension schemes notification list (GOV.UK) Check your State Pension forecast (GOV.UK) Pension Tracing Service (GOV.UK) When the council might pay for your care (NHS)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].
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  TRAILER: The Pension Confident Podcast Series Five summer trailer 10.08.2026 2min

  It's time for your Series Five rewind and sneak peek at what's coming up on The Pension Confident Podcast. If you missed an episode, don't worry, you can catch up on every single episode so far wherever you get your podcasts: E46: How to bounce back from redundancy E47: The 'Singles Tax' - how much is it costing you? E48: Are you ready for the 'great wealth transfer'? E49: Can you still make money as a Buy-to-Let landlord? E50: Starting a pension from £0 at 50 years old E51: How to resist lifestyle creep E52: Is it worth getting married? And there's plenty more where that came from. Later this month, Series Producer Lucy Greenwell joins our Host Philippa Lamb to pick out the best bits from our Series 5 guests (so far). Then, coming up in September: What might be missing from your investment portfolio? We'll be joined by: Content Creator 'That Money Guy', Gabriel Nussbaum; Founder and CEO of rainchq, Davinia Tomlinson; and Senior Investment Content Manager at PensionBee, Matt Batsman. You can read the episode transcript here.    Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].
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  E52: Is it worth getting married? With Mike Donkor, Philippa Dolan and Jasper Martens 27.07.2026 31min

  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, Mike Donkor; Solicitor and Partner at Collyer Bristow, Philippa Dolan; and Chief Marketing Officer at PensionBee, Jasper Martens.   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: Episode transcript (Blog) E14: What's the impact of your relationship status on your finances? (Podcast) E35: The cost of divorce (Podcast) How does divorce or remarrying affect your pension? (Article) Pension beneficiaries (Article) Six money conversations you need to have with your family (Blog) Why pensions deserve your attention during divorce (Blog) Writing a will (Article)   Other useful resources A fairer end to relationships: consultation (GOV.UK) Capital Gains Tax allowances (GOV.UK) Cohabitation Agreement guidance (The Law Society) Families and households in the UK (Office for National Statistics) Inheritance Tax (GOV.UK) Marriage Allowance (GOV.UK)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Collyer Bristow (@Collyer_Bristow) on YouTube, Instagram, LinkedIn, Facebook and X. Follow Mike Donkor (@michaelgdonkor) on TikTok, Instagram, LinkedIn and Facebook.   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: [email protected].
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  BONUS EPISODE: "I put my money where my mouth is" 16.07.2026 14min

  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: Climate Plan (Web) What do heatwaves have to do with your pension? (Blog) What is a crystallised pension? (Article) What is flexi-access drawdown? (Article) Why reaching net zero is cheaper than doing nothing and what it could mean for your pension (Blog)   Other useful resources Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK) Taking money from your pension just got simpler with Automatic withdrawals (PensionBee) The new State Pension (GOV.UK)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].
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  BONUS EPISODE: How does market volatility shape your pension pot? 06.07.2026 12min

  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: Bonus episode: How much can you contribute into your pension each year? (Podcast) E39: Trump, tariffs and what it all means for your pension (Podcast) Markets and tariffs: what's going on and what it means (Blog) Switching plans in volatile markets: what to know (Blog) The power of regular contributions in volatile markets (Blog) Understanding market volatility and pensions (Blog) What is the stock market? (Article)   Other useful resources Bull and bear markets explained (Investopedia) Fed History Overview (Federal Reserve History) Our pension plans (PensionBee)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].
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  E51: How to resist lifestyle creep with Clare Seal, Edoardo Moreni, and Alex Langley 28.06.2026 30min

  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 Emma, 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: E37: The easiest way to retire with more money (Podcast) 50-30-20: How the budgeting 'rule of thumb' is changing in the face of the cost of living crisis (Blog) How much should I pay into my pension? (Article) Six ways to put together your emergency fund (Blog) The power of 1%: how small pension increases can make a big difference (Blog) What is compound interest? (Video) Increasing your pension contributions (Video)   Other useful resources Compound Interest Calculator (The Calculator Site) Pension Calculator (PensionBee) Subscription service statistics (Finder) The Retirement Living Standards (Pensions UK) The Cost of Disengagement (PensionBee) UK financial outlook 2026 (YouGov)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Clare Seal (@clare.seal) on TikTok, Instagram, LinkedIn and X. Follow Emma App (@emma_finance) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X.   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: [email protected].
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  BONUS EPISODE: "I've often said that I retired when nobody wanted me anymore" 18.06.2026 20min

  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: E43: Who wants to be a pension millionaire? (Podcast) E37: The easiest way to retire with more money (Podcast) 4 smart ways to use your ISAs in retirement (Blog) Independent Financial Adviser fees on pensions (Article) What is a crystallised pension? (Article) What is flexi-access drawdown? (Article) What is the 4% rule for withdrawals in retirement? (Article)   Other useful resources Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK) Taking money from your pension just got simpler with Automatic withdrawals (PensionBee) The new State Pension (GOV.UK)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. 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: [email protected].
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  BONUS EPISODE: Should you buy Premium Bonds or save into a Cash ISA? 08.06.2026 10min

  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: How does inflation affect pensions? (Blog) Inflation Calculator (Calculator) What are Premium Bonds? (Article) What is a Cash ISA? (Article) What to do when interest rates rise (Blog) E29: Pensions vs. cash - which is best? (Podcast)   Other useful resources Premium Bonds prize rate and odds (NS&I) Tax-free interest on savings (GOV.UK) Barclays Equity Gilt Study 2025 (Barclays)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. 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: [email protected].
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  E50: Starting a pension from £0 at 50 years old with Hannah Martin, Simonne Gnessen and Sarah Durber 24.05.2026 29min

  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 Rich Retiree, Hannah Martin; Founder of Wise Monkey Financial Coaching, Simonne Gnessen; and VP Customer Success at PensionBee; 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: E37: The easiest way to retire with more money (Podcast) How much should I pay into my pension? (Article) Pension Sharing Order (Article) What is compound interest? (Blog) Six ways to put together your emergency fund (Blog) I'm 40, is it too late to start a pension? (Blog) How to grow your pension in your 40s and 50s (Blog) The power of 1%: how small pension increases can make a big difference (Blog) What is compound interest? (Video) What happens to my pension during a divorce? (Video) Increasing your pension contributions (Video)   Other useful resources The Cost of Disengagement (PensionBee) The Carer's Pension Gap (PensionBee Pension Calculator (PensionBee) Almost 7 million over-50s have no private pension (Pensions Age) The Retirement Living Standards (Pensions UK) Pension sharing orders slump despite growing number of divorces (Pensions Age) Four out of five Brits plan to downsize to fund retirement (MoneyWeek) Rent a room in your home: the Rent a Room Scheme (GOV.UK) Proposed benefit and pension rates 2026 to 2027 (GOV.UK) Compound Interest Calculator (The Calculator Site)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Rich Retiree (@rich.retiree) on Instagram, LinkedIn, Facebook and Pinterest. Follow Wise Monkey Financial Coaching (@simonnegnessen) on YouTube, Instagram, LinkedIn, Facebook and X. 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: [email protected].
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  BONUS EPISODE: "As soon as I left that job, the pension stopped" 14.05.2026 17min

  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: E8: How to teach kids about money (Podcast) E37: The easiest way to retire with more money (Podcast) E40: The ADHD tax - how much is it costing you? (Podcast) 6 pension tips for sole traders (Blog) How to manage pension contributions from multiple incomes (Blog) Private pensions for the self-employed (Article) What is Making Tax Digital and how can sole traders prepare? (Blog) What pension can I get if I'm self-employed? (Article)   Other useful resources Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK) Working for yourself (GOV.UK)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. 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: [email protected].
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  BONUS EPISODE: How much can you pay into your pension this tax year? 04.05.2026 9min

  In this bonus episode of The Pension Confident Podcast, we cover the key pension contribution rules and limits for the new 2026/27 tax year, and what they could mean for your retirement savings. Join our host, Philippa Lamb, and VP Personal Finance at PensionBee, 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: Bonus episode: "I stopped paying into my pension for 20 years" (Podcast) Bonus episode: What does the 2026/27 tax year mean for your finances? (Podcast) E43: Who wants to be a pension millionaire? (Podcast) How to check your pension contributions (Article) How to use carry forward to make big pension payments (Blog) Making pension contributions (Article) Pension carry forward rule (Article) What tax changes are coming in April 2026? (Blog)   Other useful resources Abolition of the Lifetime Allowance (LTA) (GOV.UK) Carry forward: increase your annual allowance for pension savings (MoneyHelper) The annual allowance for tax relief on pension savings (MoneyHelper) The Retirement Living Standards (Pensions and Lifetime Savings Association)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. 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: [email protected].
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  E49: Can you still make money as a Buy-to-Let landlord? With Anna Pearce and Michael Annis 26.04.2026 30min

  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, the rental sector is the only area of the housing market to have lost value? 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: E4: Should you pay more into your mortgage or pension? (Podcast) E22: Why is renting so expensive? (Podcast) Buying a property: the basics (Video) Buying a property with someone (Video) How to downsize for retirement (Blog) How to use your property to fund your retirement (Blog) Property inheritance (Video) Renting a property: the basics (Video) Renting in retirement: 3 things to consider for a secure future when you don't own your home (Blog)   Other useful resources Do I need a Buy-to-Let mortgage? (MoneyHelper) Guide to the Renters' Rights Act (GOV.UK) Leasehold vs freehold: what's the difference? (MoneyHelper) Making Tax Digital for Income Tax (GOV.UK) Mortgage fees and costs when buying or selling a home (MoneyHelper) Private rent and house prices, UK: March 2026 (ONS) Renting out your property: guidance for landlords and letting agents (GOV.UK) Stamp Duty calculator (MoneyHelper) Stamp Duty - everything you need to know (MoneyHelper) Tenants' rights and responsibilities explained (MoneyHelper) What is the landlord licensing scheme? (UK Landlord Tax)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Anna Pearce (@propertyempress) on TikTok, YouTube, Instagram, LinkedIn and Facebook. Follow Michael Annis on LinkedIn.   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: [email protected].
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  BONUS EPISODE: "A life-changing diagnosis refocused me on my beneficiaries" 16.04.2026 21min

  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: Episode transcript (Blog) E37: The easiest way to retire with more money (Podcast) Estate planning - PensionBee's Milestone Moments (YouTube) Pension beneficiaries (Article) Pension rules after death (Article) Six money conversations you need to have with your family (Blog) Writing a will (Article)   Other useful resources Financial Lives 2024 (Financial Conduct Authority) How do I write a will and how much does it cost? (MoneyHelper) Combine your pensions (PensionBee) Pension Calculator (PensionBee) The £500,000 cost of neglecting your pension (PensionBee) Retirement Living Standards (Pensions UK) The new State Pension (GOV.UK)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].
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  BONUS EPISODE: What does the 2026/27 tax year mean for your finances? 06.04.2026 12min

  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: Episode transcript (Blog) 4 smart ways to use your ISAs in retirement (Blog) How to use carry forward to make big pension payments (Blog) What is the State Pension? (Article) What is the triple lock on State Pensions? (Blog) What tax changes are coming in April 2026? (Blog)   Other useful resources Adoption leave and pay (GOV.UK) Maternity leave and pay (GOV.UK) National Minimum Wage and National Living Wage rates (GOV.UK) Parental bereavement leave and pay (GOV.UK) Paternity leave and pay (GOV.UK) Shared parental leave and pay (GOV.UK) Statutory Sick Pay (SSP) (GOV.UK) The basic State Pension (GOV.UK) The new State Pension (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].
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  E48: Are you ready for the 'great wealth transfer'? With Niaz Azad, Annaliese Barber, and Dan Stean 29.03.2026 29min

  Did you know that over the next 30 years, Baby Boomers are expected to pass down an astonishing £5.5 trillion in assets? 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 Millennial Money UK, Niaz Azad; Solicitor and Director at Richard Reed Solicitors, Annaliese Barber; and Senior Performance Management Manager at PensionBee; 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: E20: What to do when someone dies (Podcast) E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast) Estate planning - PensionBee's Milestone Moments (YouTube) Pension beneficiaries (Article) Pension rules after death (Article) Inheritance Tax guide (Article) What to do with inheritance money? (Blog) Six money conversations you need to have with your family (Blog) Writing a will (Article)   Other useful resources 3 million pensioner millionaires (The Intergenerational Foundation) Busting the "wealthy boomers" myth (Centre for Ageing Better) British millennials still bearing scars of 2008 financial crisis, says research (The Guardian) Check who can apply for probate and inherit if someone dies without a will (GOV.UK) How do I write a will and how much does it cost? (MoneyHelper) Inheritance Tax rules on gifts (MoneyHelper) Setting up a trust fund (MoneyHelper)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Millennial Money UK (@MillMoneyUK) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X. Follow Richard Reed Solicitors (@richardreedsolicitors) on Instagram, LinkedIn and Facebook.   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: [email protected].
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  BONUS EPISODE: "I switched my pension so it complies with my faith" 13.03.2026 12min

  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: Episode transcript (Blog) E41: How can multi-generational living save you money? (Podcast) E6: What are Shariah investments? (Podcast) What is an investment account? (Article) What is an ISA? (Article) What is a Stocks and Shares ISA? (Article) How to use your property to fund your retirement (Blog)   Other useful resources Check your State Pension age (GOV.UK) Free Childcare for Working Parents (GOV.UK) Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK) The new State Pension (GOV.UK) The UK Pension Landscape (PensionBee) Britain's Trapped Generation (Skipton)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].
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  E47: The 'Singles Tax' - how much is it costing you? With Bobby Seagull MBE, Emma Barnes, and Valentina Adaldo 22.02.2026 29min

  One in every three households in the UK is now single occupancy. 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, Bobby Seagull MBE; Content Creator, Emma Barnes; Senior eCRM Manager at PensionBee; 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: Episode transcript (Blog) E14: What's the impact of your relationship status on your finances? (Podcast) E27: What's the cost of friendship? (Podcast) E37: The easiest way to retire with more money (Podcast) How much should I pay into my pension? (Article) How to tackle your personal finances when you're single (Blog) How to talk to your partner about money (Blog) Six ways to put together your emergency fund (Blog) What is compound interest? (Blog) What's the financial impact of multi-generational living? (Blog)   Other useful resources Emergency savings – how much is enough? (MoneyHelper) "Singles tax" leaves half struggling with retirement savings: research (Corporate Adviser) The price of love: how much does dating cost – and who pays the bill? (The Guardian) The Retirement Living Standards (Pensions UK) The single surcharge: single Brits pay extra £3,844 a year for household bills (Uswitch) The 'single tax' revealed: What's the true cost of being single? (Finder) The solo penalty, from rent to holidays: 'Being single is costing me £12,000 extra a year' (The Guardian)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Bobby Seagull MBE (@bobby_seagull) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Emma Barnes (@emmaebarnes) on TikTok, YouTube and Instagram.   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: [email protected].