The Pension Confident Podcast

In this bonus episode, Philippa Lamb is joined by Maike Currie, VP Personal Finance at PensionBee, to unpack Chancellor John Healey's first Budget. They run through the winners and losers, from the U-turn on the Cash ISA allowance and the new First-Time Buyer ISA, to higher tax on savings and property income, the £100 energy payment, the National Living Wage rise and the new Pension Tax Allowance for State Pensioners. Plus, Maike shares five practical tips to help you make the most of your money after the Budget.
 
Episode breakdown
00:21 The big picture
02:09 Household costs
04:14 Savings and investing
07:32 Tax on savings and property
12:15 Your pay packet
13:49 Take-home pay
15:08 Pensions
18:47 Final tips
 
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)
E48: Are you ready for the 'great wealth transfer'? (Podcast)
E49: Can you still make money as a Buy-to-Let landlord? (Podcast)
E54: How to build generational wealth (Podcast)
How the 2027 Inheritance Tax changes affect your pension (Article)
Tax-efficient savings and investments in 2026/27 (Blog)
Your guide to Lifetime ISAs and pensions (Blog)
What is a Cash ISA? (Article)
What does the Autumn Budget 2026 mean for your pension? (Blog)
Other useful resources
Budget 2026: Breathing space for today, hope for the future (GOV.UK)
Budget 2026 document (GOV.UK)
Check your Council Tax band (GOV.UK)
Check your State Pension forecast (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: podcast@pensionbee.com.

We usually talk about generational wealth flowing down the family tree, from parents to kids or grandparents to grandchildren. But today we're looking at money moving across the whole family tree, because plenty of people are now sandwiched financially supporting the generations above, as well as those below.
Join our host, Philippa Lamb, and our expert panel as they discuss building generational wealth:
Qualified Financial Adviser and Founder of Mr MoneyJar, Rotimi Merriman-Johnson;
Certified Financial Education Instructor and Author of Money Mentor, Anna Brading; and
Head of People Operations at PensionBee, Rosa Buttice.
 
Episode breakdown
01:17 What generational wealth means
03:43 The expectation gap
07:19 Junior ISAs
09:46 Handing over control
12:43 Junior SIPPs
15:45 Child Benefit and Child Trust Funds
18:03 Inheritance Tax and gifting
20:50 Supporting ageing parents
24:42 Teaching children about money
28:39 Final thoughts
 
Further reading and listening
To learn more about building generational wealth, check out these articles and podcasts from PensionBee:
Episode transcript (Blog)
Bonus: Should you save into a Junior ISA or a Junior SIPP? (Podcast)
E48: Are you ready for the 'great wealth transfer'? With Niaz Azad, Annaliese Barber, and Dan Stean (Podcast)
How to use pensions to pass on generational wealth (Blog)
How to make your child a millionaire (Blog)
How the 2027 Inheritance Tax changes affect your pension (Article)
 
Other useful resources
Habit formation and learning in young children (Money Advice Service)
High Income Child Benefit Charge (GOV.UK)
Inheritance Tax: Rules on giving gifts (GOV.UK)
Junior Individual Savings Accounts (ISA) (GOV.UK)
Junior pensions: what is a junior SIPP and how does it work? (Unbiased)
Who gives wealth transfers to whom and when? (Institute for Fiscal Studies)
 
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 Mr MoneyJar (@mrmoneyjar) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X.
Follow Mentora Money (@annabrading) on TikTok, YouTube, Instagram and 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: podcast@pensionbee.com.

In this bonus episode, we hear from PensionBee customer Jonathan as he shares his pension story. From the trusty spreadsheet he started with his wife 24 years ago, to now being on track to be mortgage-free in two years - before they hit age 50.
We unpack Jonathan's financial journey with pensions expert Dan Stean from PensionBee, covering:
what overpaying a mortgage means and why you should check for Early Repayment Charges (ERCs) first;
how to weigh mortgage overpayments against pension contributions and how calculators can help; and
why planning your finances together as a couple can help, married or not.
 
Episode breakdown
00:39 Meet Jonathan
04:15 Budgeting as a couple
06:24 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:
Episode transcript (Blog)
8 easy steps to build an effective budget (Blog)
Bonus episode: Should you overpay your mortgage or top up your pension? (Podcast)
How to teach kids about money (Blog)
Money management tips for couples (Blog)
What is an emergency fund? (Article)
 
Other useful resources
Habit Formation and Learning in Young Children 2013 PDF (Money and Pensions Service)
Mortgage early repayment charges explained (MoneySupermarket)
Mortgage Overpayment Calculator (MoneySavingExpert)
Pension Calculator (PensionBee)
Pension vs Mortgage Calculator (Personal Finance Calculator)
Should you pay off your mortgage early? (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.
 
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: podcast@pensionbee.com.

If you had some spare cash each month, where would you spend it? Overpaying your mortgage or giving your pension savings a boost? Join our host, Philippa Lamb, and Maike Currie, VP Personal Finance at PensionBee, as they discuss the benefits and considerations of making extra payments on your mortgage vs. topping up your pension pot.
 
Episode breakdown
00:38 Inflation, interest and mortgage rates
05:59 Pensions and tax relief
12:00 Getting the order of priority right
14:23 So what should you actually do?
 
Further reading, listening, and watching
To learn more about saving for children, check out these articles, podcasts and videos from PensionBee:
Episode transcript (Blog)
Should you pay more into your mortgage or your pension? (Blog)
What to do when interest rates rise (Blog)
How does inflation affect pensions? (Blog)
Why the Middle East conflict has affected markets, and what it could mean for your investments (Blog)
Pensions and tax: the ultimate guide (Article)
Self-Assessment: what you need to know (Video)
The £100k tax trap: how it works, and what you can do to avoid it (Blog)
ISAs vs. mortgage overpayments (Article)
How much should I have in my pension? (Blog)
Should I take a lump sum from my pension? (Article)
Episode 26: Are you ready for your 100-year life? (Podcast)
Pension age (Article)
Six ways to put together your emergency fund (Blog)
What is a workplace pension? (Article)
How to combine and consolidate your pensions (Article)
What is compounding? (Article)
 
Other useful resources
Interest rates and Bank Rate (Bank of England)
Inflation Calculator (PensionBee)
Pension Tax Relief Calculator (PensionBee)
Mortgage and homes (MoneySaving Expert)
State Pension Age Calculator (PensionBee)
Check your State Pension Forecast (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: podcast@pensionbee.com.

Do you know what your money is invested in? And do you feel confident you're making the right choices? 
Some of us are investing in the 'default' plan, whether that's through a Stocks and Shares ISA or a workplace pension. Others are dabbling in crypto or gold. And many of us aren't even investing at all, preferring the safety of keeping cash tucked away in a savings account.
Join our host, Philippa Lamb, and our expert panel as they discuss investing fundamentals:
Content Creator 'That Money Guy', Gabriel Nussbaum;
Founder and CEO of rainchq, Davinia Tomlinson; and
Senior Investment Content Manager at PensionBee, Matt Batsman.
 
Episode breakdown
02:53 Who's investing today?
04:54 The classic asset mix
07:08 'Reckless caution' and inflation
09:03 Home bias and diversification
11:52 Bonds explained
13:45 Alternative assets and crypto
18:09 Gold, oil and 'flight-to-quality'
19:44 What the panel invests in
23:03 What they panel would never touch
24:25 Biggest investment regrets
28:17 Regulated advice, robo-advisors and AI
30:22 Golden rules to start
 
Further reading, listening and watching
To learn more about investing fundamentals, check out these articles and podcasts from PensionBee:
Episode transcript (Blog)
Investing 101 with Bobby Seagull MBE (Video)
What are Premium Bonds? (Article)
What is a Lifetime ISA? (Article)
What is a workplace pension scheme? (Article)
How to start investing (Article)
Why don't women invest? (Podcast)
What is the stock market? (Article)
What are bonds and how do they work? (Article)
How to work out your risk tolerance (Article)
How does inflation affect pensions? (Article)
How to diversify your pension investments (Blog)
Why do people invest in gold? (Article)
Why the Middle East conflict has affected markets (Blog)
What is a Stocks and Shares ISA? (Article)
What is a personal pension? (Article)
How does market volatility share your pension pot? (Podcast)
What SpaceX's public listing could mean for your pension (Blog)
What is socially responsible investing? (Podcast)
 
Other useful resources
Financial Lives 2024 (Financial Conduct Authority)
How many people invest in the stock market? (Finder)
Bitcoin vs. Ethereum (Just EFT)
Is Day Trading Profitable? (Investopedia)
Cash is Queen (rainchq)
Inflation Calculator (PensionBee)
Flight to Quality: Investor strategies explained (Investopedia)
 
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 Gabriel (@ThatMoneyGuy) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow rainchq (@rainchq) on 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: podcast@pensionbee.com.