The Pension Confident Podcast – Détails, épisodes et analyse
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The Pension Confident Podcast
PensionBee
Fréquence : 1 épisode/18j. Total Éps: 91

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E44: Buy Now, Pay More? With Alice Tapper, Tim Hogg, and Dani Skerrett
Saison 4 · Épisode 44
dimanche 23 novembre 2025 • Durée 29:55
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.
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:
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.
E43: Who wants to be a pension millionaire? With Faith Archer, Damien Fahy and Maike Currie
Saison 4 · Épisode 43
dimanche 26 octobre 2025 • Durée 31:03
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.
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:
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.
E39: Trump, tariffs and what it all means for your pension with Emma Maslin, Lucy Evans and Clare Reilly
Saison 4 · Épisode 39
mardi 20 mai 2025 • Durée 27:45
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.
Global stock markets have been on a bit of a rollercoaster lately, thanks to a flurry of announcements from President Trump and his administration around spending cuts and trade tariffs. The uncertainty about what might come next has left investors worldwide feeling uneasy. And when investors get jittery, markets tend to get volatile.
So what does stock market volatility actually mean for you and your savings?
Join our host, Philippa Lamb, and our expert panel as they break it all down.
- Emma Maslin, Financial Coach, Financial Wellness Speaker and Founder of The Money Whisperer;
- Lucy Evans, Personal Finance Reporter, Daily Mail; and
- Clare Reilly, Chief Engagement Officer, PensionBee.
Episode Breakdown:
03:26 History of market volatility
07:43 What's happening with Trump and tariffs
11:20 What happens next?
12:18 How might the UK government respond?
13:12 What does this mean for pensions?
15:56 The impact of age and lifestage
17:36 Other investments and emergency funds
22:15 Pension contributions and tax relief
23:16 Where to find guidance
Further reading, listening and watching:
To learn more about stock market volatility, check out these articles, podcasts and videos from PensionBee:
- Episode 39 transcript
- Episode 39 video
- 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)
- Company spotlight - how does Meta's performance affect my pension? (Blog)
- Company spotlight - how does Microsoft's performance affect my pension? (Blog)
- Company spotlight - how does Amazon's performance affect my pension? (Blog)
- Company spotlight - how does Apple's performance affect my pension? (Blog)
- Company spotlight - how does NVIDIA's performance affect my pension? (Blog)
- Six ways to put together your emergency fund (Blog)
- How does financial planning change over the course of life? (Blog)
- Pension investments (Pensions Explained)
- Pensions and tax relief (Pensions Explained)
- How are pensions invested? (Pensions Explained)
- What is a Stocks & Shares ISA? (Pensions Explained)
Other useful resources:
- 2023 United States banking crisis (Wikipedia)
- How geopolitical events impact the stock market (Bankrate)
- Investors hold their nerve as market volatility rises (The Daily Brit)
- Half of investors admit to making impulsive, emotional decisions, and many go on to regret it (CMS Wealth)
- Research on retail Buyers' emotional quotient with focus on transactions on the National Stock Exchange (Sage Journals)
- 66% of Investors Regret Impulsive or Emotional Investing Decisions (Magnify Money)
- Are women better investors than men? (Unbiased)
- Why Women Are Better (Investors) Than Men (Forbes)
- Pension Wise (Money Helper)
- Financial Conduct Authority (FCA)
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Emma Maslin (@moneywhisperer_) on Instagram, LinkedIn, Facebook and X.
Follow Lucy Evans (This is money) on LinkedIn and X.
E38: How to shift careers with Hannah Martin, Suzanne Noble, and Anindya Bhattacharyya
Saison 4 · Épisode 38
dimanche 27 avril 2025 • Durée 29:27
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.
Since the COVID-19 pandemic, around four million Brits have changed careers. With artificial intelligence (AI) posing potential risks to many jobs, it's estimated that an additional 285,000 people might need to make a career switch by 2030.
Changing careers is undoubtedly a significant step, especially if you've dedicated years to one industry. So, where can you find the tools to help you make the leap? And importantly, how can you keep your finances on track?
Join our host, Philippa Lamb, and our expert panel as they share practical strategies, personal experiences and insights on navigating an evolving job market.
- Founder of Talented Ladies Club, Hannah Martin;
- Co-Founder of Startup School for Seniors, Suzanne Noble; and
- Senior Software Engineer at PensionBee, Anindya Bhattacharyya.
Episode Breakdown:
01:35 What would your instant career swap be?
02:25 Transferable skills and portfolio careers
04:17 The end of the 40-year career
06:15 Most common age for making a career switch
07:43 Pitching yourself as an older employee
09:46 Retraining for a new role
13:29 Can you afford to switch careers?
16:12 Financial checklist before making the leap
18:15 Finding possible funding opportunities
19:50 Available support for getting started
22:14 Are your passions a good guide?
24:40 Tips for how to switch careers
Further reading, listening and watching:
To learn more about how to shift careers, check out these articles, podcasts and videos from PensionBee:
- Episode transcript (Blog)
- E31: How can I improve my credit score? (Podcast)
- E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast)
- E25: How to earn more money (Podcast)
- E24: How to start a business (Podcast)
- Creating a portfolio income in your retirement years (Blog)
- What is a pension? (Pensions Explained)
- What is a workplace pension? (Pensions Explained)
- 5 tips for starting a new job (Blog)
- 8 easy steps to build an effective budget (Blog)
Other useful resources:
- Careers information, advice and guidance (National Careers Service)
- Critical skills that support your professional development (Udemy)
- Distance learning courses (The Open University)
- Doddery but dear? Examining age-related stereotypes (Centre for Ageing Better)
- 'Feel the Fear and Do It Anyway' (Susan Jeffers)
- Find a qualified pension adviser (Unbiased)
- Find your new career tool (PensionBee)
- Flexible and hybrid working practices in 2023 Report (CIPD)
- Learn job-ready skills with a Google Career Certificate (Google)
- Prepare for certification exams in IT, cybersecurity, and more (Coursera)
- Professional and Career Development Loans (GOV.UK)
- State of Ageing in 2020 (Centre for Ageing Better)
- The Carer's Pension Gap Report (PensionBee)
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Talented Ladies Club (@TalentedLadies) on YouTube, Instagram, LinkedIn, Facebook and X.
Follow Startup School for Seniors (@startupschoolforseniors) on TikTok, YouTube, Instagram, LinkedIn and Facebook.
BONUS EPISODE: What does the 2025/26 tax year mean for your finances?
Saison 4
lundi 7 avril 2025 • Durée 16:46
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 special bonus episode of The Pension Confident Podcast, we cover some of the key changes from the new 2025/26 tax year and what they could mean for you and your finances.
Tune in as our host, Philippa Lamb and Financial Journalist and Founder of Much More With Less, Faith Archer, cover the various changes made, including:
- the National Living Wage;
- frozen income tax bands;
- Statutory Sick Pay; and
- the State Pension.
Episode Breakdown:
01:09 The start of a new tax year
04:03 Increased pay for employees and costs for employers
06:20 Frozen income tax and personal tax-free allowance thresholds
07:55 The State Pension and Winter Fuel Payment
11:18 Changes to Statutory Sick Pay, alongside overhaul of benefits systems
12:38 Increased Statutory Parental Pay and free nursery hours
Further reading, listening and watching:
To learn more about the new tax year and your personal allowances, check out these articles, podcasts and videos from PensionBee:
- Episode transcript (Blog)
- E18: How to not run out of money in retirement (Podcast)
- E11: How to prepare for a happy retirement (Podcast)
- Adoption leave and adoption pay (Article)
- Am I ready for a baby? (Article)
- Average childcare costs (Article)
- Help with childcare costs (Article)
- Maternity leave and maternity pay (Article)
- Paternity leave and paternity pay (Article)
- Pension credit (Article)
- Shared parental leave and pay (Article)
- What disability benefits can I claim? (Article)
- What does the Autumn Budget 2024 mean for your pension? (Blog)
- What is the State Pension? (Article)
Other useful resources:
- A budget hitting employers and the well off (Much More With Less)
- Adoption leave and adoption pay (GOV.UK)
- Inflation Calculator (PensionBee)
- Maternity leave and maternity pay (GOV.UK)
- Paternity leave and paternity pay (GOV.UK)
- Shared parental leave and pay (GOV.UK)
- Statutory Sick Pay (SSP) (GOV.UK)
- The Retirement Living Standards (Pensions and Lifetime Savings Association)
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Faith Archer (@MuchMoreWith Less) on LinkedIn, Facebook and X.
E37: The easiest way to retire with more money with Neil Bage, Bola Sol, and Laura Dunn-Sims
Saison 4 · Épisode 37
dimanche 30 mars 2025 • Durée 28:54
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.
Recent research from PensionBee reveals that financial disengagement might cost savers up to £500,000 over their lifetime - that's a substantial amount! When was the last time you reviewed your savings? Are you aware of how much you've saved for retirement? Making small, informed decisions today can greatly impact your financial future. The great news is that staying engaged with your finances isn't difficult.
Join our host, Philippa Lamb, and our expert panel as they explore a simple truth: the most effective way to max out your chances of retiring comfortably.
- Behavioural Expert and Co-Founder of Shaping Wealth, Neil Bage;
- Financial Adviser, Money Columnist and Author, Bola Sol; and
- Head of Consumer PR at PensionBee, Laura Dunn-Sims.
Episode Breakdown:
01:31 Common financial pitfalls
03:52 Visualising our 'future selves'
06:08 Overcoming complacency with pensions
06:42 The £500,000 'cost of disengagement'
08:00 How can we make the numbers feel real?
10:20 Transitioning from an 'immediate return' to 'delayed return' environment
13:16 How to retire with more money
17:23 Automate your way to compound interest
20:02 Understanding investment risk
23:30 Balancing greed and fear
26:27 How to make (and keep) good habits
Further reading, listening and watching:
To learn more about the cost of disengagement, check out these articles, podcasts and videos from PensionBee:
- E37 transcript (Blog)
- Bonus: How to stick to your financial resolutions (Podcast)
- Do you know what pension plan you're in? (Blog)
- E32: How to understand your pension balance (Podcast)
- E34: Unpacking 10 years of pension changes (Podcast)
- How much do you need to pay into a pension? (Video)
- How much income do you need in retirement? (Blog)
- How much should you save for retirement? (Video)
- How to catch up on pension payments (Blog)
- How to check your pension contributions (Article)
- How to trace a lost pension (Article)
- How to understand your pension balance (Blog)
- Pension Calculator (Calculator)
- Top 10 money apps for your smartphone (Blog)
- What income would a £100,000 pension pot give you? (Blog)
- What is compound interest? (Blog)
Other useful resources:
- 56% of UK adults feel like they don't understand the stock market (YouGov Survey)
- Almost 9 million UK adults are missing an old pension pot (PensionBee)
- Brits missing £31.1b in unclaimed pension pots (Pensions and Lifetime Savings Association)
- Government's free Pension Tracing Service (GOV.UK)
- How the 'end of history' illusion shapes your life choices (BBC)
- Over half of Brits are in the dark or 'dangerously underestimating' the minimum cost of retirement (PensionBee)
- Pension disengagement could cost you up to £500,000 in retirement (PensionBee)
- Pot for life significantly more popular than stapling for managing multiple pots (PensionBee)
- Your Future Self: How to Make Tomorrow Better Today by Hal Hershfield (Book)
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Shaping Wealth (@shapingwealth) on YouTube, Instagram, LinkedIn and X.
Follow Bola Sol (@bolasol) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
BONUS EPISODE: Tips for the end of the tax year
mercredi 12 mars 2025 • Durée 08:25
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.
With the end of the tax year fast approaching, we're talking pensions, ISAs and tax. From tax relief to ISA limits, we've gathered some 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:
- 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
- E17: Should you save into a pension or an ISA? With Claer Barrett, Damien Fahy, Peter Komolafe and Becky O'Connor
00:30 Tax relief - what it is and how it works
01:30 ISAs - another way to save
03:27 Lifetime ISAs
04:54 Using ISAs and pensions together
06:53 ISA rules
Further reading, listening and watching:
To learn more about finances and pensions, check out these articles, podcasts and videos from PensionBee:
- Episode transcript
- Guide to Lifetime ISAs and pensions
- Pension pot or cash savings - which is best?
- How much income do you need in retirement?
- How much can I pay into a pension each year?
- Making pension contributions
- The UK Pension Landscape
- Your guide to savings funds
- How to diversify your pension investments
- E11: How to prepare for a happy retirement (Podcast)
- How are pensions invested?
- How can I find my pensions?
- How to look after your financial wellbeing in 2024
- How to understand your pension balance
- Understanding market volatility and how it can impact your pension
- Pension Calculator
Other useful resources:
- How ISAs work (gov.uk)
- Cash ISAs (Money Helper)
- Stocks and Shares ISAs (Money Helper)
- Junior ISAs (gov.uk)
- Peter Komolafe: Three ISA mistakes everyone is making (YouTube)
- Cash ISA rules and allowances (Which)
- Should I have a savings account or pension? (MoneySuperMarket)
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
E36: Is my pension funding climate change? With Rotimi Merriman-Johnson, Jesse Griffiths and Giorgia Antonacci
Saison 4 · Épisode 36
mardi 25 février 2025 • Durée 30:37
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.
Have you ever wondered if your pension is funding climate change? We all know about the damage greenhouse gases do to the world. According to Make My Money Matter, by greening our pensions, we could cut our carbon footprint 21 times more than by going veggie, or giving up flying or switching energy providers. However, sustainable investing has been met with some scepticism over the years, so in this episode we're going to dig into the detail.
Join our host, Philippa Lamb, and our expert panel as they help you make confident choices about your own pension:
- Qualified Financial Adviser and Founder of Mr.MoneyJar, Rotimi Merriman-Johnson;
- CEO of the Finance Innovation Lab, Jesse Griffiths; and
- PensionBee's Senior ESG Manager, Giorgia Antonacci.
Episode Breakdown:
01:42 The link between pensions and climate change
04:18 The fossil fuel industry
05:36 Does investing sustainably mean lower returns?
09:13 The rising cost of living
11:22 Can individuals make a difference?
15:52 What makes a sustainable pension fund?
17:21 Greenwashing, labelling and timescales
22:28 What action can pension savers take?
23:42 Influencing change
27:39 Final thoughts
Further reading, listening and watching:
To learn more about finances, pensions and divorce, check out these articles, podcasts and videos from PensionBee:
- E36 transcript
- Under the hood of the Climate Plan
- The Climate Plan
- PensionBee's Climate Plan (Video)
- ESG investing and its impact on pensions
- Sustainable investing - how to make a positive impact with your pension
- How we can use our pensions to drive positive change whilst saving for retirement
- E1: Making a positive impact with your pension - with Clare Reilly, and Damien Fahy (Podcast)
- Three reasons to think about where your pension's invested
- Championing our customers' views
- How is the FCA cracking down on greenwashing?
- 5 sustainable investing myths debunked
- Your Fossil Fuel Free Plan switch questions, answered
- ShareAction
- Make My Money Matter
- Financial Conduct Authority
- Carbon Tracker
- Financial Stability Board
- The Institute of Actuaries
- Government Green Taxonomy
- Morgan Stanley Capital international (MSCI)
- Morgan Stanley Institute for Sustainable Investing
- MSCI's ESG rating scale
- India's wheat output dented by heatwave, could limit government stock building (Reuters)
- FCA labelling scheme
- Institute of Actuaries study
- Accelerating to net zero (CBI)
- Morgan Stanley Sustainable Reality Report
- Revealed: oil sector's 'staggering' $3bn-a-day profits for last 50 years (Guardian)
- Pension funds should protect our future, not destroy it (Greenpeace)
- Maslow's Hierarchy of Needs
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Rotimi Merriman-Johnson, Mr MoneyJar on YouTube, Instagram, LinkedIn and X.
Follow Finance Innovation Lab on LinkedIn, Facebook and X.
BONUS EPISODE: How to stick to your financial resolutions
mercredi 12 février 2025 • Durée 15:12
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.
Have you been making progress with your new year's resolutions? If sorting out your finances was top of that list, we're here to help you along. We've been digging into some of our best-loved episodes for nuggets of financial wisdom. Listen as our guests share insights on some of the most common financial resolutions and how you can stick to them.
Join our host, Philippa Lamb and our expert guests as they discuss tracking down pensions, getting started with investing and asking for a payrise. Tune in to hear the best bits from the following episodes:
- E32: How to understand your pension balance with Tim Hogg, Faith Archer and Alex Langley
- E27: The cost of friendship with Dr. Tara Quinn, Niaz Azad and Brooke Day
- E21: Why don't women invest? With Ayesha Ofori, Anna-Sophie Hartvigsen and Lara Oyesanya FRSA
- E23: Common financial mistakes and how to avoid them with Lynn Beattie, Ola Majekodunmi and Jasper Martens
- E25: How to earn more money with Natalie Campbell MBE, Lynn Anderson Clark and Priyal Kanabar
00:28 Tracking down old pensions
02:55 Balancing spending and socialising
05:33 The art of saying 'no'
07:37 Getting started with investing
10:06 Prioritising saving over sales
12:42 How to ask for a pay rise
Further reading, listening and watching:
To learn more about finances and pensions, check out these articles, podcasts and videos from PensionBee:
- Episode transcript
- Why 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 resilience
- Episode 3: How do we tackle the gender pension gap? (Podcast)
- How to check your pension contributions
- Rethinking your pension savings during the cost of living crisis
- Six ways to start talking about money
- Five steps to plotting your personal finance roadmap
- Bonus episode: Relationships and money (Podcast)
- How to talk about money
- Six ways to manage your money and your mental health
- Six ways to start talking about money
- What is the impact of debt on mental health?
- E29: Pensions vs. cash - which is best? (Podcast)
- E26: Are you ready for your 100-year life? (Podcast)
- E18: How to not run out of money in retirement (Podcast)
- E11: How to prepare for a happy retirement (Podcast)
- How are pensions invested?
- How can I find my pensions?
- How to look after your financial wellbeing in 2024
- How to understand your pension balance
Other useful resources:
- Propelle
- Female Invest
- The history of women and money (GoHenry)
- Equal Pay Act 1970 (GOV.UK)
- Girls get less pocket money than boys (Netmums)
- Girls just wanna have funds (Female Invest book)
- Is the wealth gap ruining friendships? (Guardian)
- A third of people are owed money by friends and family (Starling)
- Why the "f*ck it" mentality is harming friendships (Refinery29)
- Splitwise
- How do I find lost pensions? (Gretel)
- Pension Calculator (PensionBee)
- Pension Tracing Service (GOV.UK)
- The Retirement Living Standards (Pensions and Lifetime Savings Association)
- What is the fresh start effect? (The Behavioral Scientist)
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
E35: The cost of divorce with Lynn Beattie, Harry Gates and Lydia Hunt
Saison 4 · Épisode 35
dimanche 26 janvier 2025 • Durée 31:43
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Every January, lawyers see a spike in inquiries about divorce. It's such a big spike the first Monday of January is known in the profession as Divorce Day. If you've been through it, you'll know that one of the hardest parts of divorce is having to take lots of financial decisions at what can be a really overwhelming time. But understanding all your options can make those decisions easier and better.
Join our host, Philippa Lamb, and our expert panel as they help you build your post-divorce life on the best possible financial foundation.
- Author and Founder of Mrs Mummypenny, Lynn Beattie;
- Co-Founder at The Divorce Surgery, Harry Gates; and
- PensionBee's Head of First Line Compliance, Lydia Hunt.
01:32 The fundamentals of divorce
07:57 Is it worth getting a prenup?
09:55 Divorce and pensions
11:22 What's included in negotiations?
13:36 Pension splitting
15:34 What happens to assets from before the marriage?
18:05 Are liabilities included in divorce negotiations?
21:03 Children and divorce
21:49 Can a divorce agreement be amended?
23:41 Thinking long term when negotiating
26:40 Life after divorce
*In this episode we reference a report by The University of Manchester, where we say 80% of pension wealth is held by men, but the correct figure is actually 90%.
*Where we refer to the fee to apply for a divorce, we say both £583 and £593. The correct figure is £593.
Further reading and listening:
To learn more about finances, pensions and divorce, check out these articles, podcasts and videos from PensionBee:
- E35 transcript
- E3: The gender pension gap - with Emilie Bellet, Romi Savova and Sam Brodbeck (Podcast)
- E14: What's the impact of your relationship status on your finances? With Ellie Austin-Williams, Paul Infield and Becky O'Connor (Podcast)
- E28: The bank of mum and dad - what's the impact on your pension? With Mark Bogard, Rotimi Merriman-Johnson and Becky O'Connor (Podcast)
- Don't divorce your right to a decent pension
- Separation and divorce
- Pension Sharing Order
- Pension Attachment Orders and Earmarking
- How are finances split in a divorce?
- How long after a divorce can you claim a pension?
- What is the pension gap between men and women?
- Do I need to change my pension after I get divorced?
- The UK Pension Landscape
- What happens to my pension during a divorce? (Video)
Other useful resources:
- File for divorce (GOV.UK)
- New divorce laws from April 2022 (GOV.UK)
- Pre-nuptial agreements (House of Commons Library)
- Form E guidance (GOV.UK)
- Child Maintenance Service (GOV.UK)
- Divorce Day: Two thirds of divorces don't discuss pensions as part of settlement (Interactive Investor)
- Pension inequality a major issue when couples divorce, research finds (University of Manchester)
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Lynn Beattie, Mrs Moneypenny on YouTube, Instagram, Facebook and X.
Follow The Divorce Surgery on YouTube, Instagram, LinkedIn and Facebook.









