The Pension Confident Podcast

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. We all know friendship is priceless, but navigating social circles where some people are a lot better off than others may be a minefield. According to Intuit, Gen Z would rather discuss sex, politics and infertility struggles than their salaries, debt, and bad investments. So how can you maintain strong friendships while navigating different bank balances and spending habits? This month on The Pension Confident Podcast we’re looking at the costs associated with friendship. Join our host, Philippa Lamb, and our expert panel as they discuss how to talk about money with friends, overcoming envy and more: The British Psychological SocietyMillennial Money UK Episode Breakdown: 01:29 How to discuss money fairly 06:10 Navigating a financial divide 11:20 How friendship expenses can snowball 16:28 Overcoming envy 18:58 As you and your friends get older 22:31 When life throws you curveballs 25:38 Lending money to friends 27:57 Knowing when to let go. Further reading: To learn more about the cost of friendship, check out these articles from PensionBee: Episode 27 transcriptThe cost of friendship Bonus episode: Relationships and money How to talk about money Six ways to manage your money and your mental health Six ways to start talking about moneyWhat is the impact of debt on mental health? Other useful resources: How to keep money from tearing your friendships apart Is the wealth gap ruining friendships?The transfer of wealth from boomers to ‘zennials’ will reshape the global economy A third of people are owed money by friends and family Nearly 50% of millennials overspend to keep up with friends Why the “f*ck it” mentality is harming friendshipsSplitwise 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 X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Millennial Money UK (@MillMoneyUK) on X, Instagram, Facebook and LinkedIn. Follow Dr. Tara Quinn-Cirillo (@CirilloDr) on X, Instagram, Facebook and LinkedIn.

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com Part three of our personal finance tips is here! In this bonus episode,our expert guests discuss budgeting, what to know before you get started with investing, plus they share a property mistake you may have made too. Get started on your financial spring cleaning and hear helpful tips from: Mrs MummyPennyMoneyWeekPropellePensionBeePensionBee LifeSearch Episode Breakdown: 00:45 Monthly subscriptions 01:20 Saving little and often 02:13 Saving for your kids 02:49 Getting started with investing 03:50 Investing in property 04:56 The benefits of life insurance. Read the transcript. 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 on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. You might be surprised to learn that living to 100 years of age is no longer a rare feat. The Office for National Statistics (ONS) revealed that almost one-in-seven boys and one-in-five girls born today are expected to reach this milestone in the UK. The trend is clear: with advancements in technology and healthcare, a centenarian life is becoming the norm. But what does this mean for our everyday lives, especially in terms of work, planning, and even our mindset? This month on The Pension Confident Podcast we’re discussing the increasing likelihood of the 100-year life. Join our host, Philippa Lamb, and our expert panel as they discuss both the emotional and financial realities of longer living: The 100-Year LifeNoon Episode Breakdown: 02:20 Rising life expectancy 04:31 Adapting to a multi-stage life 06:03 The emerging adulthood trend 07:59 Saving for retirement 10:01 Portfolio careers in midlife 13:46 Multi-generational households 15:03 How long will people be working for? 18:05 Budgeting your time and money 19:10 State Pension versus Retirement Living Standards 23:29 Investing in your human capital Further reading: To learn more about the 100-year life, check out these articles from PensionBee: Episode 26 transcript Are you ready for your 100-year life? Can you live off of the State Pension? How much money is enough to save in your pension for your future retirement? How you could build a million pound pension Is it too late to start a pension? 6 reasons why you should delay taking your pension Other useful resources: British workers increasingly likely to work into their 70s, research suggests One in six over-55s have no pension savings yetQueenagers: research portrait of midlife womenThe 100-Year Life – Living and Working in an Age of Longevity 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 X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Andrew J. Scott (@ProfAndrewScott) on X and LinkedIn. Follow Jennifer Howze (@jhowze) on X and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. In this bonus episode of The Pension Confident Podcast, we dive into the world of Socially Responsible Investing (SRI). We explore how your retirement savings can be a powerful tool for good. Plus, we’ll tackle the big question: can you make money and make a difference to people and the planet? From impact investing to ESG ratings, find out how socially responsible investments are defined and how you can get involved. In this episode, we hear from: PensionBeeIslamic Finance GuruPensionBeeMake My Money Matter Episode Breakdown: 01:36 ESG ratings 03:02 Impact investing 04:18 Shariah-compliant investing 06:26 Profits and principles 08:50 Where’s your pension invested? 12:11 How to invest for change. Read the episode transcript. 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 on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. While many organisations may talk about equality, research tells us that women are far less likely to secure a pay rise than men - even when they ask for one! Nearly one in every three men who ask for more pay get it, but only one in every five women are successful. This month on The Pension Confident Podcast, inspired by International Women’s Day, we’re discussing how to earn more money. Join our host, Philippa Lamb, and our expert panel as they discuss how to bridge the gap between your potential and your paycheque: The Know Episode Breakdown: 01:52 Pay gaps in the workplace 04:27 Early stage careers 07:52 The mentorship relationship 11:10 Job application behaviour 13:17 Job interview tips 16:12 Negotiating for higher pay 18:55 Benchmarking your salary 24:10 Later life careers Further reading: To learn more about navigating pay negotiations and improving your financial prospects, check out these articles from PensionBee: Episode 25 transcript How can we improve financial health amongst women? Can financial education platforms help close the gender financial literacy gap? How women can boost their pension savings Six ways to start talking about money How to check your State Pension forecast 10 money making ideas for stay-at-home mums How to catch up on pension payments Other useful resources: Find and compare gender pay gap dataExplore salaries at the world’s most innovative companiesThe Carer’s Pension GapQueenagers: research portrait of midlife women 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 X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Natalie Campbell (@NatDCampbell) on X, Instagram, TikTok and LinkedIn. Follow The Know (@theknowmedia) on X, Instagram, TikTok, Facebook and LinkedIn.

Enjoying our award-winning podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. podcast@pensionbee.com On this special bonus episode of The Pension Confident Podcast, we look at different relationships and the impact they can have on your finances. Whether you live with a friend, are married or going through a separation, these tips are for you. From property and prenups to credit scores, find out what they all mean for your current relationship status. In this episode, we hear from: This Girl Talks MoneyDirector (VP) Public Relations at PensionBee,AdvocateMrs MummyPennyAll Things MoneyPensionBeeFinancial TimesFinancial Services Compensation Scheme Episode Breakdown: 00:58 Moving in with someone who owns a property 03:05 Pensions and divorce 05:29 Prenups and postnups 07:05 Why it’s important to talk about money 07:58 Pension beneficiaries 09:03 Credit scores and relationships. Read the episode transcript. 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 on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. January is a time when many of us will naturally be thinking about various hopes and intentions for the year ahead. But what if your ambition is to launch your own business? Starting a side hustle during a cost-of-living crisis isn’t for the faint of heart. After all, in the UK one in five new businesses fold in their first year, and over half of start-ups don’t make it past five years. But that doesn't mean it's impossible. Join our host, Philippa Lamb, and three fearless entrepreneurs as they discuss real-world tactics for bootstrapping your dream business: VestpodSprivePensionBee Episode Breakdown: 01:50 The idea and first steps 09:08 Networking with the competition 11:48 Business planning 15:26 The pros and cons of co-founders 18:04 Managing your money effectively 22:04 Sole trader versus limited company 24:54 Common mistakes and expert advice Further reading: To learn more about starting your own company, check out these articles from PensionBee: Episode 24 transcript The pros and cons of self-employmentWhat you should know about being your own boss Are the self-employed saving enough for retirement? How to manage your money when you’re self-employed Pension contributions from your limited company Six ways to reduce your tax bill as a limited company Sole trader vs limited company: how do the tax savings stack up? Other useful resources: Set up a businessOnline graphic design tool for businesses Find the best accountant for your small businessStartup School for SeniorsThe Business Model Canvas 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 X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Sprive (@SpriveApp) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Vestpod (@Vestpod) on X, Instagram, TikTok, Facebook and LinkedIn.

Enjoying our award-winning podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com. Happy New Year from all of us at The Pension Confident Podcast, we hope you had a great break! We’re back for our third series where we’ll be discussing even more personal finance questions plus, we’ll be sharing lots of bonus content throughout the year too. The next episode will be live at the end of January and it’s all about starting your own business. Later on in the year we’ll be looking at the monetary cost of friendship and how you can financially prepare to live to 100. Don’t forget to subscribe to your favourite podcast app so you never miss an episode. 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 on X, Instagram, TikTok, Facebook, Threads and LinkedIn.

We’re thrilled to announce that the series has won two Lovie Awards! We were recognised in both the ‘Best Series’ and ‘Best Branded Podcast or Segment’ categories. A big thank you to everyone who voted for us! If you didn’t get the chance to vote, why not tell us what you think by giving us a review and a rating? As always, you can send your suggestions and feedback to: podcast@pensionbee.com. With Christmas around the corner it can be easy to go overboard. Before you know it, you may have spent a little too much and live to regret it come January. We’ve all been there, and we all make other financial mistakes. Sometimes they’re small, like lending a friend a tenner, knowing you’re unlikely to see it again. However, sometimes they can have a much bigger impact. It could be that you’ve bought a property that doesn’t fit the bill, or perhaps you’ve let your debts spiral out of control? Even the money experts make mistakes and to talk us through theirs, and what we can all learn from our financial failures are: Mrs MummyPennyAll Things MoneyPensionBee Episode Breakdown: 01:41 Team PensionBee’s financial mistakes 02:46 Shopping mistakes 08:44 Black Friday and other ‘sales’ 11:45 Not paying attention to your finances 12:22 Recurring payments and monthly subscriptions 15:18 Switching bank accounts 18:18 Pension apathy 24:24 Property mistakes 26:52 The effect of relationships on financial decisions. Further reading: To help you avoid making some of the financial mistakes we talk about in this episode, check out these articles from PensionBee: Episode 23 transcriptCommon money mistakes and how to avoid them How to check your pension contributions How to save for retirement when ‘future you’ feels like a stranger Rethinking your pension savings during the cost of living crisis Avoid these pension mistakes in your 40s Six ways to start talking about money Five steps to plotting your personal finance roadmap Other useful resources: Camelcamelcamel price trackerIdealo price comparison websiteCurrent account switch guarantee Switching mobile phone provider Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident PodcastThe Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Ola (@allthingsmoney_) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Lynn (@mrsmummypennyuk) on X, Instagram, TikTok, Facebook and LinkedIn.

We’re thrilled to announce that the series has won two Lovie Awards! We were recognised in both the ‘Best Series’ and ‘Best Branded Podcast or Segment’ categories. A big thank you to everyone who voted for us! If you didn’t get the chance to vote, why not tell us what you think by giving us a review and a rating? As always, you can send your suggestions and feedback to: podcast@pensionbee.com On this special bonus episode of The Pension Confident Podcast, we’ve rounded up some of the best pension tips our guests have shared so far. From choosing the best time to withdraw from your pension to making the most of tax relief, hear important pension topics discussed by experts including: PensionBeeFinancial TimesPensionBeeMoney to the MassesPensionBeePensions and Lifetime Savings AssociationPensionBeeThis Girl Talks MoneyPensionBee Episode Breakdown: 00:42 Getting started with your pension 01:51 Parental leave and pensions 02:52 Pension beneficiaries and tax 03:22 Your pension and the cost of living crisis 03:49 Taking your pension 04:36 Moving your pension pots 05:23 Pensions vs. ISAs. Read the episode transcript. 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 on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

We’re thrilled to announce that the series has won two Lovie Awards! We were recognised in both the ‘Best Series’ and ‘Best Branded Podcast or Segment’ categories. A big thank you to everyone who voted for us! If you didn’t get the chance to vote, why not tell us what you think by giving us a review and a rating? As always, you can send your suggestions and feedback to: podcast@pensionbee.com Renting has been a hot topic of debate throughout the cost of living crisis - and with good reason. The cost of privately renting a home has risen every month since November 2021, with the average price now 12% higher than this time last year. In this episode we take a look at the reasons behind this, what your rights are as a tenant or a landlord, and what needs to change to improve the housing market for everybody. Helping us to do so with their expertise are: ShelterThe TimesPensionBee Episode Breakdown*: 02:49 Recent national rental increases 03:35 How much are we spending on rent? 04:18 Housing supply and demand 06:05 Evictions and homelessness* 10:01 The impact on our other finances 11:18 The impact on older renters 13:24 Property as an alternative to a pension 15:54 Your rights as a tenant or landlord 18:36 Where to go if you’re struggling to pay 21:42 The Renters (Reform) Bill 24:50 Affordable housing. * We talk about Section 21 notices in this episode, but wanted to give you a clear explanation of what they are. A Section 21 notice can be used if a landlord wants their tenant to leave a property that they own. A landlord can only serve you this notice if your fixed-term tenancy has come to an end or if you’re in a periodic tenancy, but they don’t need a reason to make you leave. A landlord must give you at least two months’ notice to vacate the property. At the end of that period, if you haven’t left the property, the landlord can start the formal court process to formally evict you. This usually takes a number of weeks and could result in a court order that forces you to leave the property. You can see all the rules around Section 21 notices on gov.uk. If you’ve been served a Section 21 notice, you can see what your rights are on the Citizens Advice website. Further reading: For more information on the key issues surrounding the home rental market, check out these resources. Episode 22 transcript Why has renting got so expensive? Renters (Reform) bill Emergency grants, loans and money help Discretionary Housing PaymentsCouncil Tax Reduction Benefits calculator Grants searchHousing issues First-tier tribunal 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 on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow @sheltercharity on X (@Shelter), Instagram, TikTok, Facebook and LinkedIn. Follow Jenny on LinkedIn. Follow David on X and LinkedIn.

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com On this special bonus episode of The Pension Confident Podcast, we’re revisiting the popular debate: should you pay more into your mortgage or your pension? Hear from our former Host Peter Komolafe, CEO and Founder of The Humble Penny; Ken Okoroafor, former CMO at HABITO; Abba Newbery and VP Brand and Communications at PensionBee; Rachael Oku as they discuss the pros and cons of investing in property and pensions. Read the episode transcript here. Episode Breakdown: 01:21 Using your property to fund your retirement 02:46 How long will your pension pot need to last you 05:10 Paying off your mortgage early 07:12 The benefits of pension contributions 09:08 Investing in property 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 on X, Instagram, TikTok, Threads, Facebook and LinkedIn.

Enjoying the podcast?! Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com Did you know that as well as a gender pay gap and a gender pension gap, there’s also a gender investment gap? According to investment website; Boring Money, in the UK there’s nearly £600 billion more in men’s investment accounts than women’s! Only a third of UK women say they feel confident dealing with their finances. But, is a lack of confidence the reason why only 48% of women invest in the stock market compared to 66% of men, or are other factors at play? To help us explore why women are less likely to invest are this month’s expert guests: PropelleFemale InvestPensionBee Episode Breakdown: 02:00 Why’s it important for women to invest? 03:15 Brief history of financial gender inequality 04:51 Saving vs investing 06:58 Why women are less likely to invest than men 08:46 Are women less likely to take risks? 14:24 Financial education for women 17:26 Pensions are investments 19:34 Who can invest? 22:03 Our guests first investments 26:07 Long-term thinking. * We mention Boring Money’s research shows a £600 billion gender investment gap worldwide - this figure actually only covers the UK! The figures mentioned for the potential returns of savings vs investments were calculated using Santander’s savings and investments calculator. The results were based on taking medium risk and the ‘realistic’ expectation of growth. However, returns can be higher or lower. These are just examples and aren’t guaranteed. Further reading: For more information on the key issues affecting women and their finances, check out these resources from PensionBee. Episode 21 transcriptWhy aren’t women investing? Why closing the gender investing gap matters for impact investing Can financial education platforms help close the gender financial literacy gap? How important is financial independence? How can we improve financial health amongst women? Building your financial resilienceEpisode 3: How do we tackle the gender pension gap? Other useful resources: PropelleFemale Invest The history of women and moneyEqual Pay Act 1970 Girls get less pocket money than boysGirls just wanna have funds Savings and investments calculator Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident PodcastThe Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Ayesha on Instagram and LinkedIn. Follow Anna (@hartvigsen_anna) on X, Instagram and LinkedIn. Follow Lara on LinkedIn.

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com Sit back and enjoy part two of our roundup featuring some of the best personal finance tips from expert guests of The Pension Confident Podcast. Whether you’re saving to raise a family, or looking to buy a house, have a listen to hear helpful ideas from the likes of: VestpodThe Conversation of Money PodcastFinancial TimesThis Girl Talks MoneyAdvocateSnoopPensionBee’s Episode Breakdown: 00:36 Preparing your finances for kids 01:22 Turning your pension contributions on and off 01:53 Budgeting when you’re self-employed 02:34 ISAs and tax 03:04 Buying a house with someone else 04:19 Financial personality and financial independence 05:05 Monthly budgets 05:30 Risks when withdrawing a Lifetime ISA. Read the episode transcript here. 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 on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com As we all know, there are only two certainties in life - death and taxes - and going through the admin when someone dies can be a slow and expensive process. That’s why it’s a good idea to think about where you’d like your own money and personal belongings to go in advance to avoid making it complicated for those you leave behind. In this episode, we discuss all the useful things you can do to make sure you’ve got your own affairs in order - from wills and to life insurance, to pension beneficiaries. We also talk about what's important to address when you’re dealing with somebody else's estate. Helping us to do this are our three expert guests: Free Wills Month LifeSearchPensionBee’s Episode Breakdown: 03:16 Executors and beneficiaries 03:51 Keeping things organised for your loved ones 08:25 Lasting powers of attorney 09:54 Letters of wishes 11:21 Prepayment funerals 12:36 Life insurance 13:21 Inheritance tax 15:29 Pension beneficiaries 18:25 Writing a will 22:06 What are the rules of intestacy? 27:18 First steps when a loved one passes away 28:06 Tell Us Once service 29:37 What’s probate? *We talk about what happens to your pension after death in this episode. We want to be clear that we’re referring to defined contribution pensions. Here are a few more things to know: the current pension lifetime allowance *We want to be clear that your pension isn’t legally considered part of your estate, so isn’t covered by your will. However, mentioning your pension in your will may help to eliminate any doubt over your wishes, though it’s recommended that you still contact your pension provider to add your beneficiaries to your policy. Further reading: For more help dealing with the admin when someone passes away, check out these resources from PensionBee. Episode 20 transcript Pension death benefits Pension rules after death Pension beneficiaries What happens to your pension when you die? Your guide to writing your will How your pension can save you inheritance tax Other useful resources: LifeSearchFree Wills Month Cheap and free wills Tell Us Once The LifeBookThe Last Word report 8 Best Password Managersintestacy Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident PodcastThe Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow @LifeSearch on X, Instagram, Facebook and LinkedIn.

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com On this special bonus episode of The Pension Confident Podcast, we’ve rounded up some of the best personal finance tips our guests have shared so far. From the power of compound interest to understanding credit ratings and ISAs. On this episode we’ll hear a range of important financial topics discussed by experts including: Money to the MassesThe Humble PennyFinancial Joy AcademyThe Money WhispererMrs MummyPennyMr MoneyJarThis Girl Talks MoneyBloom MoneyFinancial Times Author Money Clinic Author The Conversation of Money Read the episode transcript here. Episode Breakdown: 00:44 Tax relief on pension contributions 01:17 Making pension contributions as a limited company 01:51 Compound interest 03:09 Automating your savings 03:51 Saving money when you’re single 04:48 Credit ratings 05:54 Stocks & Shares ISAs 06:43 Understanding different types of ISAs 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 on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com On this special bonus episode of The Pension Confident Podcast, we’re turning the mic around on our Host; Philippa Lamb, to hear her favourite moments from the podcast so far. We’ve had some brilliant guests - from CEOs to campaigners, barristers to financial influencers, along with some of our favourite in-house PensionBee experts. On this episode we’ll hear a range of important financial topics discussed from the likes of: Financial Services Compensation Scheme (FSCS)The Money WhispererBloom MoneyIslamic Finance GuruAdvocateThis Girl Talks Money Read the episode transcript here. Episode Breakdown: 02:02 Credit card debt and money worries 04:51 Reducing the gender pension gap for our children 06:52 Credit scores and credit invisibility 10:10 Shariah investing 14:25 The financial risk of ‘Common law marriage’ 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 on X, Instagram, TikTok, Facebook, Threads and LinkedIn.

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com We’re taking a short break from our usual schedule in August, but don’t worry - we’ve got some bonus content incoming while you wait for our next episode! We’ll be back in September discussing how to deal with financial admin when a loved one dies, and how you can prepare your own finances to make it simple for those you leave behind. Plus, look out for episodes later this year on building your financial confidence, starting your journey in self-employment, and how to recover from financial failures. Don’t forget to subscribe on your podcast app to get these episodes, and more, as soon as they’re released. 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 on X, Instagram, TikTok, Facebook, Threads and LinkedIn.

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com Having children can be one of the most wonderful and rewarding things you’ll ever do, and it’s impossible to put a price on all the joy that kids can bring you. However, there’s no denying the impact that bringing up a family can have on your finances. Having a child can be a huge financial commitment. According to The Times, it’ll take an average of nearly £203,000 to raise a child from birth to the age of 18. And it won’t necessarily stop there, you might find yourself spending on your kids from before they’re born until well into their adult lives. Add to that, the effects on your income that taking parental leave may bring - you might not know where to begin! To talk through all the costs involved with having children and whether raising a family’s currently affordable are our guests: MumsnetMoneyWeekPensionBee’s Episode Breakdown: 02:12 Can you predict how much a baby will cost? 07:48 Statutory Maternity Pay 09:42 The problem with parental leave 11:56 Statutory Adoption Pay and Leave 12:46 The cost of childcare 14:58 Tax-Free Childcare Allowance 15:37 Child Benefit 20:37 Costs as your kids grow up 24:38 Paying for higher education. *We mention maternity pay in this episode and just wanted to be absolutely clear with the figures: Statutory Maternity Pay *We also accidentally overstated the amount of Shared Parental Leave that you may be entitled to. We said you’d get a year, but it’s actually up to 50 weeks of leave between parents. *We state that the UK has the highest childcare costs in the Organisation for Economic Co-operation and Development (OECD). Though this has been true as recently as 2022, the UK currently ranks third. However, this number’s ever changing. Further reading: For more help getting financially prepared for raising a family, check out these resources from PensionBee. Episode 19 transcript Can you afford to have a baby? Pensionbee’s research on fair sharing of childcarePensionBee Parental Leave Policy What I learned about mothers and their pensions from answering Mumsnet questions How to financially plan for a baby How stay at home mums can build a decent pension What happens to your pension during maternity leave? Finances for freelancers on maternity leave How can I get my pension back on track after taking time off to have children? Why parents need to make a Child Benefit claim to protect their State Pension Other useful resources: MumsnetStatutory Maternity Pay and LeaveStatutory Paternity Pay and LeaveStatutory Adoption Pay and LeaveDisability Living Allowance for childrenTax-Free ChildcareChild Benefit Boosting paternity leave has economic benefits Average childcare costs Transparency on parental pay Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident PodcastThe Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow @Mumsnet on X, Instagram, Facebook, TikTok and LinkedIn Follow @KalpanaFitzpatrick on LinkedIn, X, Instagram and TikTok

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com We’ve spoken in much depth about preparing for retirement on The Pension Confident Podcast, but we’ll all eventually get to a stage where we find it’s time to start taking that money out of our pension pots, rather than putting in. After decades of working and saving into your pension, you’ll be looking forward to the day when it’s finally time to retire and you can start spending your pension cash. But, you might not be sure what the smartest way to withdraw your money is. Furthermore, you might be fearful of it running out. To take us through all the withdrawal options and discuss how we can make our money last in retirement are our expert guests: Legal & General RetailFinancial JournalistPensionBee’s Episode Breakdown: 02:32 Predicting how long you’re going to live 05:39 When can you take your pension? 06:38 Annuities 07:36 Pension drawdown 16:45 Making a pension withdrawal plan 19:27 Measuring risk 22:54 Having multiple sources of retirement income 24:25 Resources to aid your pension withdrawal plan. Further reading: Think about your pension withdrawal plan with the help of these resources from PensionBee. Episode 18 transcriptPension drawdownPension annuityPension drawdown calculatorState Pension age calculatorInflation calculator Drawdown explained How to withdraw money from a pension fund Should I take a lump sum from my pension? Pension decumulation Why have annuity purchases been increasing?What happens in a Pension Wise appointment? Other useful resources: Pension WiseRetirement planning course Life expectancy calculatorDeath clock Investment pathways FIRE movement Senior railcardOlder person’s bus pass Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident PodcastThe Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Faith @MuchMoreWith Less on X, LinkedIn and Facebook.