The Pension Confident Podcast

• 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: [email protected]. 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 multi-generational living is the fastest-growing household type in the UK 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, BAM! Comedy; Sam Bartley; Senior Economist at the Resolution Foundation think-tank, Molly Broome; and Senior Social Media Manager at PensionBee, 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: Episode 41 transcript (Blog) E4: Should you pay more into your mortgage or pension? (Podcast) E19: Can you afford to have kids? (Podcast) E22: Why is renting so expensive? (Podcast) E28: The Bank of Mum and Dad (Podcast) Childcare options (Pensions Explained) How to sell inherited property (Blog) Inheritance Tax guide (Pensions Explained) Is the rising cost of living impacting pension saving? (Blog) Why has renting got so expensive? (Blog) Estate planning (Video) How to financially prepare for starting a family (Video)   Other useful resources: An intergenerational audit for the UK 2024 (Resolution Foundation) Average childcare costs (MoneyHelper) Housing history and future housing (GOV.UK) Loneliness (Age UK) Paying for your own care (NHS) The Carer’s Pension Gap Report (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 BAM! Comedy (@bamcomedyuk) on TikTok, YouTube, Instagram, LinkedIn, Facebook. Follow the Resolution Foundation (@resolutionfoundation) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X.  

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• 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: [email protected].   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: E13: How does your financial personality impact your relationship with money? With Timi Merriman-Johnson, Emma Maslin and Brooke Day E27: The cost of friendship with Dr. Tara Quinn-Cirillo, Niaz Azad and Brooke Day E31: How can I improve my credit score? With John Webb, Clare Seal and Luis Mejia E32: How to understand your pension balance with Tim Hogg, Faith Archer and Alex Langley E37:The easiest way to retire with more money with Neil Bage, Bola Sol, and Laura Dunn-Sims   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: Understanding your money personality (Blog) What are the best mobile apps to save you money? (Blog) Top 10 money apps for your smartphone (Blog) How to talk to friends about money (Blog) How can I improve my credit score? (Blog) How open banking is serving our customers (Blog) How does financial planning change over the course of life? (Blog) Making pension contributions (Pensions Explained) Self-employed pension  Pension Calculator (Tool) Other useful resources: The Money Whisperer personality quiz  Splitwise  How to check your credit report and file disputes (Experian)  Why credit scores matter in retirement (Experian)   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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• 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: [email protected]. 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. Dr Tara Quinn, Registered Practitioner Psychologist; Krystle McGilvery, Financial Strategist and Behavioural Expert; and Emily Tribe, Head of Culture, Inclusion and Wellbeing, PensionBee   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: Episode 40 transcript (Blog) E15: How can we achieve financial inclusion? (Podcast) 8 easy steps to build an effective budget (Blog) The effects of debt and how we can break the cycle (Blog) How can I improve my credit score? (Blog)  How PensionBee’s supporting vulnerable customers (Blog) Savings and investments  Pension contributions (Pensions Explained)  Pensions Age (Pensions Explained)   Other useful resources: The ADHD Tax (ADHD Traction) “I’ve lost over £4000 because of the ADHD tax” (BBC) Our view of ADHD needs to change – the disorder presents differently in women and girls (The Independent)  The ADHD Tax study (Monzo)  Harnessing neurodiversity to create accessible banking (NatWest) Neurodiversity at Barclays (Barclays)  UK challenger bank Neuros to offer money management for neurodiverse users (FinTech Futures) ADHD and Money (Think ADHD) How to be financially responsible whilst having fun (Female Invest) ADHD in adults (NHS)  ADHD UK ADHD Foundation    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 Dr Tara Quinn on Instagram, LinkedIn, Facebook, YouTube and X. Follow Krystle McGilvery on Instagram and LinkedIn.  

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• BONUS EPISODE: Personal finance tips for the self-employed

  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].   In this special bonus episode of The Pension Confident Podcast, we’re discussing how to manage your pension and your personal finances whether you’re self-employed, freelance or running your own business. PensionBee’s Invisible Worker research - which surveyed 1,000 British gig workers - found more than half of them can’t afford to save into a pension. Nearly 30% of them also said they wouldn’t know where to start if they did want to set one up.    Join our host, Philippa Lamb as she shares helpful tips from our expert guests from the following episodes:   E2: How to keep your self-employed pension on track with Emma Jones CBE and Martin Parzonka E17: Should you save into a pension or an ISA? With Claer Barrett, Damien Fahy, Peter Komolafe and Becky O’Connor E24: How to start a business with Emilie Bellet, Jinesh Vohra and Lisa Picardo Episode breakdown: 01:11 Saving for the short-term 02:54 Balancing looking after your business and yourself 04:00 Can your business act as a retirement fund? 05:30 Keeping cash aside 06:35 Business owners and cash cushions 07:45 Making pension contributions on a varying income 08:42 Putting money in a pension vs. a cash savings account 09:30 Keeping an eye on the future   Further reading, listening and watching:   To learn more about finances and pensions for the self-employed, check out these articles, podcasts and videos from PensionBee:   Episode transcript More than a million ‘invisible’ workers can’t afford to save for retirement (Article) How to start a pension when you're self-employed (Blog) How to retire early as a self-employed worker (Blog) Saving for the future as a self-employed worker (Blog) How to save for the future on an unpredictable income (Blog) 7 personal finance tips for self-employment (Blog) Sole trader vs limited company: how do the tax savings stack up? (Blog) Is there such a thing as the perfect pension for the self-employed? (Blog) The rise of older freelancers: overcoming ageism and embracing self-employment (Blog) Self-employed? How to, and why you should, DIY your pension (Blog) How do we reduce the self-employed pension gap? (Blog) What pension can I get if I'm self-employed? (Blog) What is a SIPP (Self-Invested Personal Pension)? (Blog) Private pensions for the self-employed (Blog) Pension contributions from your limited company (Blog) What happens to pensions in special circumstances? (Video) How to make a limited company pension contribution (Video) What PensionBee customers think - Rotimi’s story (Video) Self-employed pensions (Video) PensionBee’s self-employed pension (Web page)   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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• BONUS EPISODE: Understanding market volatility

  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].   In this special bonus episode of The Pension Confident Podcast, we’re diving deeper into the topic of market volatility. Episode 39 explored President Trump’s tariffs and the impact on pension balances and in this episode, we’re going to be answering some popular questions that came in off the back of that - with some helpful explainers from our expert guests.   Join our host, Philippa Lamb as she shares helpful explainers from our expert guests from the following episodes: E32: How to understand your pension balance with Tim Hogg, Faith Archer and Alex Langley E29: Pensions vs. cash - which is best? With Holly Mackay and Martin Parzonka E34: Unpacking 10 years of pension changes with Damien Fahy, Sam Brodbeck and Romi Savova   Episode breakdown: 01:20 What is a pension balance? 02:36 Why do pension balances go up and down? 03:42 How to deal with anxious feelings during market volatility  04:49 How are pensions invested and what is diversification? 06:13 How can volatile stock markets be an investment opportunity? 07:02 How often should you check your pension balance? 07:56 What’s happened after previous market downturns?   Further reading and listening: To learn more about finances and pensions, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E39: Trump, tariffs and what it all means for your pension (Podcast) Understanding market volatility and how it can impact your pension (Blog) Why are financial markets volatile these days? (Blog) Pensions and tariffs: what you need to know (Blog) How young savers can turn market volatility into an investment opportunity (Blog) How to diversify your pension investments (Blog) How to understand your pension balance (Blog) How does financial planning change over the course of life? (Blog) Pension investments (Pensions Explained) How are pensions invested? (Pensions Explained) What is a pension statement? (Pensions Explained)   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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