A Little Bit Richer

With new ISA changes announced in the Autumn Budget and updates to cash ISA limits on the horizon, now is the perfect time to get clear on how these powerful, tax-efficient savings and investment tools can help you build long-term financial confidence.
In this episode of A Little Bit Richer, our host Iona Bain is joined by Paula Hughes from L&G to demystify the world of ISAs and help you understand how they can work for you at every stage of life.
Together, they explore the different types of ISAs available and how to choose the best one for you. They also discuss the “use it or lose it” rule and what the upcoming changes could mean for savers and investors.
So whether you’re saving for your first home, building long-term wealth, or simply trying to protect your money from inflation, this episode will help you decide how to make your ISA allowance work harder for you. Because when it comes to tax-efficient growth, the earlier you start, the bigger that snowball can get for a future that’s a little bit richer.
You don’t pay tax on the interest, income or capital gains you make inside an ISA.
You can watch episodes on L&G’s YouTube channel
And see behind the scenes content on TikTok and Instagram
You can play the podcast and find other useful content on L&G’s website:
https://www.legalandgeneral.com/podcasts/a-little-bit-richer
Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.
See omnystudio.com/listener for privacy information.

Being self-employed can be incredibly freeing but financially, it can also feel like a rollercoaster. In this episode of A Little Bit Richer, our host Iona Bain is joined by accountant and behavioural expert Krystal McGilvery to discuss ways to manage money when your income isn’t guaranteed.
From cash-flow anxiety and chasing invoices to saving for retirement without an employer pension, Krystal shares practical, no-nonsense tips to help you feel more in control of your finances.
Together, they explore how to smooth out irregular income, build a financial buffer and plan for the long term, without sacrificing the freedom and joy that comes with being your own boss.
So whether you’re newly self-employed, years into freelancing, or just thinking about taking the leap, this episode is packed with reassurance and clarity to help you build a more stable and sustainable financial future that’s a little bit richer.
You can watch episodes on L&G’s YouTube channel
And see behind the scenes content on TikTok and Instagram
You can play the podcast and find other useful content on L&G’s website:
https://www.legalandgeneral.com/podcasts/a-little-bit-richer
Follow Krystle on Instagram
Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.
See omnystudio.com/listener for privacy information.

Divorce can emotionally, practically and financially turn your world upside down. In this episode of A Little Bit Richer, our host Iona Bain is joined by friend of the show Jenny Hazan to unpack the impact on your finances when a relationship ends and how to protect your future.
Drawing on both her professional expertise at L&G and her personal experience of divorce, Jenny explains why separation is often “two break-ups”, how the so-called “singles tax” can hit overnight, and she shares one of the most overlooked areas of divorce that can prevent regret later in life.
Whether you’re navigating a divorce, supporting someone who is, or simply want to be better prepared for the future, this episode offers reassurance and practical steps for taking control of your finances one step at a time.
You can watch episodes on L&G’s YouTube channel
And see behind the scenes content on TikTok and Instagram
You can play the podcast and find other useful content on L&G’s website:
https://www.legalandgeneral.com/podcasts/a-little-bit-richer
You can find the Pension Calculator here: Pension Calculator | Legal & General
Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.
See omnystudio.com/listener for privacy information.

In our special Book Club episode, we’re starting the year a little differently by digging into the books that can genuinely transform how we think, feel, and behave around money. Because personal finance isn’t just about numbers. It starts with mindset, habits, and our relationship with money.
Our host Iona Bain is joined by self-confessed bookworm Sean Philip from L&G’s Workplace Pension team, to explore four powerful reads:
The Psychology of Money by Morgan Housel
Money Together by Heather and Doug Boneparth
Atomic Habits by James Clear
The Anxiety Solution by Chloe Brotheridge
Together, they unpack the big ideas, uncomfortable truths, and “aha” moments from each book. From why consistency beats luck when building wealth, to how couples can talk about money without conflict, how habits shape financial confidence, and why tackling anxiety is key to making better financial decisions.
Whether you’ve read all four books, skimmed the highlights, or haven’t picked them up yet, consider this your guided tour through the insights that really matter and the small changes that can make a big difference to making your financial future a little bit richer.
You can watch episodes on L&G’s YouTube channel
And see behind the scenes content on TikTok and Instagram
You can play the podcast and find other useful content on L&G’s website:
https://www.legalandgeneral.com/podcasts/a-little-bit-richer
Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give information for a UK audience that’s relevant at the time of recording.
See omnystudio.com/listener for privacy information.

Heading into 2026, we’ve lots more episodes to come.
We’d love to hear your thoughts.
Is there a financial topic you’ve been curious about?
A financial challenge you’d like help navigating?
Tell us how we can make next year the one where your money goals really take off.
Send us a DM or write a comment on our Instagram and TikTok. Leave us a comment on Spotify or write in the review section on Apple Podcasts.
You can play the podcast and find other useful content on L&G’s website:
https://www.legalandgeneral.com/podcasts/a-little-bit-richer
You can watch video episodes on L&G’s YouTube channel
Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.
See omnystudio.com/listener for privacy information.