The Pension Confident Podcast

• 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: [email protected].   Labour said this year's Autumn Budget aims to address an economy that's "not working well enough for working people". But will the changes they've announced leave you better off? Before Budget day, analysts were estimating that the government was facing a £30 billion shortfall. 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 Boring Money, 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: Bonus episode transcript (Blog) How does inflation affect pensions? (Blog) Should I pay my bonus into my pension? (Blog) Sole trader vs limited company: how do the tax savings stack up? (Blog) Three ways to use your tax-free lump sum (Blog) What does the Autumn Budget 2025 mean for your pension? (Blog) What is a salary sacrifice pension? (Article)   Other useful resources: Autumn Budget 2025: A summary (GOV.UK) Making pension contributions (PensionBee) What is an ISA? (PensionBee) What is a Cash ISA? (PensionBee) What is a Lifetime ISA (LISA)? (PensionBee) What is a Stocks and Shares ISA? (PensionBee) What is the State Pension? (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. Follow Boring Money (@boringmoney) on X, Instagram, TikTok, Facebook and LinkedIn.  

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• 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: [email protected].   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 Go Fund Yourself, Alice Tapper;  Director at Fairer Finance, Tim Hogg; and Head of Content Marketing at PensionBee, 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: Episode 44 transcript (Blog) Bonus episode: six tips for automating your personal finances (Podcast) E40: The ADHD tax - how much is it costing you? (Podcast) E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast) 4 reasons why investing in your pension beats those Black Friday deals (Blog) 5 things I spent money on in my 20s and 30s that cost me greatly (Blog) 50-30-20: How the budgeting 'rule of thumb' is changing in the face of the cost of living crisis (Blog) How much money do you need to retire in the UK? (Article) The effects of debt and how we can break the cycle (Blog) What is the impact of debt on mental health? (Blog)   Other useful resources: Buy now, pay later credit: User characteristics and effects on spending patterns (Harvard Business School) Get free debt advice (StepChange) Help with debt (Citizens Advice) How much do we spend during the festive season? (Bank of England) How to save £667.95 in 2025 with the 1p Savings Challenge (MoneySavingExpert) Track your finances and budget app (Emma) Your personal money-saving app (Snoop)   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 Alice Tapper (@gofundyourself) on Instagram, LinkedIn and X. Follow Fairer Finance (@fairerfinance) on Instagram, LinkedIn, Facebook and X.

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• 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: [email protected].   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: Episode 43 transcript (Blog) How to build a £1 million pension pot (Blog) What is the 4% rule for withdrawals in retirement? (Blog) What is the State Pension? (Blog) Employer matched contributions (Blog) What is a SIPP (Self-Invested Personal Pension)? (Blog) Pension contribution limits (Blog) Inheritance Tax guide (Blog) 7 of the best ways of giving money to grandchildren (Blog) What is Auto-Enrolment (Blog) Do you know what pension plan you're in? (Blog) Are high charges eroding the value of your pension? (Blog) Other useful resources: Pension Calculator (PensionBee) Inflation Calculator (PensionBee) Pension Tax Relief Calculator (PensionBee) A simple strategy to help your child become a millionaire (Money to the Masses) Retirement Living Standards (Pensions UK) Claim tax relief on your private pension payments (GOV.UK) How to make your child a millionaire - for just £51,840 (The Times) Compound Interest Calculator (The Calculator Site) The Millionaire Next Door (Dr. Thomas J. Stanley) Warren Buffett (Forbes)  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 Faith Archer (@MuchMoreWithLess) on LinkedIn, Facebook and X. Follow Money to the Masses (@moneytothemasses) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

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• 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: [email protected].   University has never been more expensive. A 2025 report from the Higher Education Policy Institute found that students need £61,000 to have a minimum socially acceptable standard of living over a three-year degree. 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 Save the Student, Tom Allingham;  Founder of Pennies to Pounds, Kia Commodore; and Engineering Manager at PensionBee, 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) E41: How can multi-generational living save you money? (Podcast) E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast) 5 tips for parents paying for university (Blog) Building your family's financial resilience (Video) Is it better to pay off your student loan or top up your pension? (Blog) Retirement planning in your 50s (Article) Should you pay off your child's student loan? (Blog) Starting a pension at 50 (Blog)   Other useful resources: Changes to tuition fees: 2025 to 2026 academic year (GOV.UK) Mapped: The price of a pint across the UK (The Independent) Parents' guide to university 2025 (Save the Student) Student finance for undergraduates (GOV.UK) Student living costs in the UK 2025 (Save the Student) Student Money Survey 2024 Results (Save the Student) The impact of undergraduate degrees on lifetime earnings (IFS) The UK Pension Landscape (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. Follow Save The Student (@SaveTheStudent) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X. Follow the Pennies To Pounds (@penniestopound) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X.  

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• 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: [email protected].   For this Pension Awareness Week 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 'Pension Switch Guarantee' 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, you can sign the government petition 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 episode 34 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: Episode transcript (Blog) Annual benefit statements are destroying the planet (Press) Pension transfers: part two - why consumers need a 10-day pension switch guarantee (Report) How can I transfer pensions? (Article) Over £50 billion in pension savings at risk of being lost in the UK (Press) The 10-day Pension Switch Guarantee (Press) What is the pension age? (Article) What's the Pension Switch Guarantee? (Blog)   Other useful resources: How long should you stay in one job? (BBC) Legislate to mandate offer of electronic pension transfers and higher standards (Petition)   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.

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