Paying into your workplace pension gets you free money from your employer and the government, and starting early on can have surprisingly big benefits. Thanks to the magic of compounding, saving even just a little in your 20s can leave you with a bigger pot than putting more away later on. This week our host Kia Commodore unpicks workplace pensions with Kim Brown, Legal & General’s Pension Scheme Director. How can you plan your pension, from managing parental leave to choosing the right investments for you? How much do you need to retire, and what State Pension could you be entitled to? When should you think about paying in a little more, and what should you think through if you want to save less? And a lot more besides.  You can find out more about pensions on our website: htps://www.legalandgeneral.com/retirement/pensions/ As you listen, there are a couple of important points to bear in mind. First of all, in this episode Kim shares several pension growth numbers. They’re based on a series of assumptions about how the markets could perform. They’re general examples of how things could work out, not specific financial predictions. And in every episode Kia and her guests share their own personal thoughts and opinions, which might be different from Legal & General’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. Again it’s general best practice, not the kind of personalised advice you’d get from a financial adviser. You can play the podcast here: https://www.legalandgeneral.com/podcasts/a-little-bit-richerSee omnystudio.com/listener for privacy information.

Every employee gets a payslip… but hardly anyone ever actually reads them. That’s a great shame, because they’re packed with lots of essential information that can help you get A Little Bit Richer.   From understanding tax codes to deciphering deductions, this week our host Kia Commodore digs into the fine print of your payslip with Asesh Sarkar. He’s the CEO and co-founder of Salary Finance and MyBnk’s Chair of Trustees. What’s the difference between your gross and net salary? What is PAYE? And why is keeping track of all those numbers so important? Asesh explains why there’s more to your payslip than you might expect. Plus, he gives his top payday budgeting tips, helping you cover the essentials, save enough for tomorrow, and hopefully have enough left over to treat yourself too. Kia 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 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. You can play the podcast and find other useful content on Legal & General’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richerSee omnystudio.com/listener for privacy information.

OK, this is where it all begins. For the next few months, A Little Bit Richer will bring you weekly bite-sized financial tips. Our host Kia Commodore and a guest will be diving into a different topic each episode - everything from investments to insurance. Up first is Laura Ann Moore. Laura’s a money and mindset coach, and she’s all about demystifying personal finance in a simple, judgement-free way. Laura and Kia discuss the importance of having a 'Big Happy Goal' that combines your finances with your values. They also talk about pressures around whether or not to save for a house deposit, the involvement (or absence) of your family in your finances, and the importance of having a non-judgemental perception of your money. Kia 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 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. You can play the podcast and find other useful content on Legal & General’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Laura's socials - https://stan.store/lauraannmoore Laura's podcast, Mind Money Soul - https://link.chtbl.com/MMSpodcast Laura's website - https://www.mindmoneysoul.co.ukSee omnystudio.com/listener for privacy information.

Brought to you by financial influencer Kia Commodore (Pennies to Pounds) and Legal & General, A Little Bit Richer is aimed at making you just that. Each week, Kia and an expert guest will bring you bite-sized financial tips and tricks. We’re talking the stuff that didn’t get taught at school, but that you need to know to survive adulting in your twenties and early thirties. Everything from making sense of your payslip, to mortgages and pensions, to financial wellbeing and mental health – it’s all part of helping make sure you’re making the best financial decisions for you. The first two episodes are out on September 14th.See omnystudio.com/listener for privacy information.