The Pension Confident Podcast

PensionBee
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We get it, pensions can be overwhelming. But PensionBee is on a mission to build pension confidence. Whether you're just starting your savings journey, nearing retirement, or somewhere in between, the award-winning Pension Confident Podcast is here to help you get the best out of your pension. Subscribe today to hear from some of the best brains in personal finance every month, and get expert insights from the PensionBee team. Remember, anything discussed on this podcast should not be regarded as financial advice and as always with investments, your capital is at risk. https://www.pensionbee.com/podcast

  1. 6D AGO · BONUS

    BONUS EPISODE: "I work as a handyman to top up my pension income"

    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, Tony, as he tells us his pension story. Now in his early sixties, Tony's working part-time as a handyman to top up the income he's receiving from his pension savings. With the help of pension pro, and VP Brand and Communications at PensionBee, Rachael Oku, we'll unpack the tips you might want to take from Tony's story. This episode offers especially useful lessons for older savers approaching retirement, helping you make sense of what a 'phased retirement' could mean for your finances.   Episode breakdown 01:07 The popularity of phased retirement 03:57 Balancing mortgage payments and pension contributions 08:12 Navigating different allowances for different accounts 11:28 Waiting on the State Pension to fully retire   Further reading, listening and watching To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: E45: The rise of micro-retirements (Podcast) Bonus episode: Personal finance tips for the self-employed (Podcast) E4: Should you pay more into your mortgage or pension? (Podcast) How do I top up my pension? (Article) Inheritance Tax guide (Article) Should I take a lump sum from my pension? (Article) What is flexi-access drawdown? (Article) Can I take my pension at 55 and still work? (Article)   Other useful resources Check your State Pension age (GOV.UK) Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK) The money purchase annual allowance (MPAA) for pension savings (MoneyHelper) The new State Pension (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.

    18 min

  2. JAN 25

    E46: How to bounce back from redundancy with Jimmy McLoughlin OBE, Eleanor Mills and Emma Ferenc-Bachelor

    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.   Where do you see yourself in five years? In a rapidly changing world of work, that's becoming harder to answer. The World Economic Forum predicts that by 2030, nearly 92 million jobs will disappear. The upside? 170 million new jobs will emerge. With UK businesses feeling the squeeze, more workers will be forced to reconsider their career in the coming years. The combination of higher secondary Class 1 National Insurance contributions, increased National Minimum Wage, and the new Employment Rights Act is leading experts to forecast a rise in redundancies. Join our host, Philippa Lamb, and our expert panel as they discuss the how to bounce back from redundancy: Former Downing Street Adviser and Chief Podcaster at Jimmy's Jobs of the Future, Jimmy McLoughlin OBE; Former Editorial Director of The Sunday Times and Founder of Noon, Eleanor Mills; and Training and Culture Manager at PensionBee; Emma Ferenc-Bachelor.   Episode breakdown 02:12 How it feels being made redundant 05:46 The triple whammy hitting employers 08:20 Where new jobs will come from 10:59 Reskilling in midlife 13:20 How to sell a squiggly career 15:22 Your redundancy rights 17:25 Cutting spending and saving tips 19:06 Everyday networking 21:19 Reframing the shame around redundancy   Further reading and listening To learn more about switching careers and employment rights, check out these articles and podcasts from PensionBee: Episode transcript (Blog) 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 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) Distance learning courses (The Open University) Find your new career tool (PensionBee) Rebrand Yourself Course (Noon) Redundancy Support for Over 50s (Centre for Ageing Better)   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 Jimmy McLoughlin OBE (@jimmym) on TikTok, YouTube, Instagram, LinkedIn, X and Threads. Follow Noon (@uponnoon) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X.

    24 min

  3. JAN 15 · BONUS

    BONUS EPISODE: "I stopped paying into my pension for 20 years"

    BONUS EPISODE: "I stopped paying into my pension for 20 years"   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.   On this special bonus episode, we're doing something new! We're going to hear from PensionBee customer, Tara-Jane, as she tells us her pension story in her own words. From starting early at 17 years old, to the impact of ignoring her pension for 20 years - it's been a rollercoaster of retirement decisions. With the help of pension pro, and VP Brand and Communications at PensionBee, Rachael Oku, we'll unpack the tips you might want to take from Tara-Jane's story. There are useful lessons for every saver in this episode, whichever stage of retirement planning you're at.   Episode breakdown 01:22 Starting a pension at 17 years old 05:37 Spending on the present, without saving for the future 09:49 Frustrations with rising State Pension age 13:56 When was the last time you did a pension review?   Further reading, listening and watching To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: E43: Who wants to be a pension millionaire? (Podcast) E35: The cost of divorce (Podcast) E34: Unpacking 10 years of pension changes (Podcast) How do I top up my pension? (Article) Should I take a lump sum from my pension? (Article) Starting a pension at 50 (Blog) What is Auto-Enrolment? (Article) What is compound interest? (Blog) Pension Sharing Order (Article) Should I consolidate my pensions? (Article) What are pension charges? (Article) Are high charges eroding the value of your pension? (Blog)   Other useful resources Check your State Pension age (GOV.UK) Over £50 billion in pension savings at risk of being lost in the UK (PensionBee) Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK) The new State Pension (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.

    19 min

  4. SEASON 5 TRAILER

    S5 TRAILER: The Pension Confident Podcast

    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.   Happy New Year from all of us at The Pension Confident Podcast. Every month, with expert guests, we dig into those money and pension questions that can feel so complicated. We just lay out the answers in simple, jargon-free language. There'll also be bonus content throughout the year to keep you up to speed on everything from stock market trends to Downing Street decisions. Plus, we'll be hearing from savers just like you. The first episode of 2026 will be live at the end of this month, and with change in the air, it's all about bouncing back from redundancy. As our experts will give tips for how to turn a set back into a step up on the career ladder.   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.

    2 min

  5. 12/28/2025 · BONUS

    BONUS EPISODE: The best from our Series 4 guests with Philippa Lamb and Lucy Greenwell

    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.   On this special bonus episode, we're turning the mic around. We hear from our Host, Philippa Lamb, and Producer, Lucy Greenwell, as they discuss their favourite moments from Series 4 of The Pension Confident Podcast. We've had some brilliant guests - from divorce lawyers to behavioural experts, authors to financial influencers, along with some of our favourite people from PensionBee HQ. On this episode, we'll hear from: Author and Founder of Mrs Mummypenny, Lynn Beattie; Co-Founder at The Divorce Surgery, Harry Gates; Founder and Editor of Money to the Masses, Damien Fahy; Founder of Talented Ladies Club, Hannah Martin; Co-Founder of Startup School for Seniors, Suzanne Noble; Senior Software Engineer at PensionBee, Anindya Bhattacharyya; and Behavioural Expert and Co-Founder of Shaping Wealth, Neil Bage.   Episode breakdown 02:20 Biggest "I never knew" moment 04:07 Most shocking number 06:01 Surprising money tip 08:34 Funniest episode 10:22 Best episode for beginners 14:12 See you next year, for Series 5   Further reading, listening and watching To learn more about the topics discussed in this bonus episode, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E35: The cost of divorce (Podcast) E37: The easiest way to retire with more money (Podcast) E38: How to shift careers (Podcast) E43: Who wants to be a pension millionaire? (Podcast) Creating a portfolio income in your retirement years (Blog) Don't divorce your right to a decent pension (Blog) How much should you save for retirement? (Video) Pension Calculator (Calculator) What happens to my pension during a divorce? (Video) What is compound interest? (Blog)   Other useful resources 'Feel the Fear and Do It Anyway' by Susan Jeffers' (Book) Government's free Pension Tracing Service (GOV.UK) Pension disengagement could cost you up to £500,000 in retirement (PensionBee) The Carer's Pension Gap Report (PensionBee) The UK Pension Landscape (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: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

    15 min

  6. 12/17/2025

    E45: The rise of micro-retirements with Ola Majekodunmi, Lauren Spearman, and Tom Carter

    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.   Imagine hitting pause on your career, not decades from now, but far sooner. What would you do with all that freedom? Today we're talking about the rise of micro-retirements, or sabbaticals, as they're better known. It's becoming increasingly popular with Gen Z as a bold way to take control of their time, blending career progression and meaningful rest. Unlike traditional retirement, which often feels like a distant milestone, micro-retirements offer the chance to hit pause regularly. Join our host, Philippa Lamb, and our expert panel as they discuss the rise of micro-retirements: Founder of All Things Money, Ola Majekodunmi;  Brand Consultant and Content Creator, Lauren Spearman; and Senior Performance Marketing Manager at PensionBee, Tom Carter.   Episode breakdown 02:50 How popular are micro-retirements? 04:50 Making the most of our health capital 08:40 Tips for saving towards two retirements 11:00 Are sabbaticals the cure for burnout? 14:42 Switching off during your sabbatical 18:35 Financial planning for your micro-retirement   Further reading, listening and watching To learn more about taking a career break and saving for retirement, check out these articles and podcasts from PensionBee: E26: Are you ready for your 100-year life? (Podcast) E37: The easiest way to retire with more money (Podcast) E38: How to shift careers (Podcast) How to catch up on pension payments (Blog) Is it time to find your new career? (Blog) 5 tips for starting a new job (Blog) 6 steps for making a successful career switch (Blog) 6 ways to put together your emergency fund (Blog)   Other useful resources Understanding Sabbaticals: Benefits, Planning, and Career Impact (Investopedia) FIRE Explained: Financial Independence, Retire Early – Rules, Types & Planning (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 All Things Money (@allthingsmoney_) on TikTok, Instagram, LinkedIn, Facebook and X. Follow Lauren Spearman (@spearmanlauren) on TikTok, Instagram and LinkedIn.

    24 min

  7. 12/01/2025 · BONUS

    BONUS EPISODE: What does the Autumn Budget 2025 mean for your finances?

    Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Labour said this year's Autumn Budget aims to address an economy that's "not working well enough for working people". But will the changes they've announced leave you better off? Before Budget day, analysts were estimating that the government was facing a £30 billion shortfall. The challenge for Chancellor Rachel Reeves was to fill that hole while balancing economic growth and fairness. Join our host, Philippa Lamb, and our expert guest as they unpack exactly what the Chancellor announced and what it means for your savings: Founder and CEO of Boring Money, Holly Mackay.   Episode breakdown: 02:07 Changes to take-home pay and cost of living 04:39 Impact of raised National Insurance and Minimum Wage for employers 07:45 How will homeowners and landlords be hit by the Budget? 10:08 What's been announced about savings, investments and pensions? 13:55 With Christmas around the corner, any good news for families?   Further reading: To learn more about taxes, pensions and savings, check out these articles from PensionBee: Bonus episode transcript (Blog) How does inflation affect pensions? (Blog) Should I pay my bonus into my pension? (Blog) Sole trader vs limited company: how do the tax savings stack up? (Blog) Three ways to use your tax-free lump sum (Blog) What does the Autumn Budget 2025 mean for your pension? (Blog) What is a salary sacrifice pension? (Article)   Other useful resources: Autumn Budget 2025: A summary (GOV.UK) Making pension contributions (PensionBee) What is an ISA? (PensionBee) What is a Cash ISA? (PensionBee) What is a Lifetime ISA (LISA)? (PensionBee) What is a Stocks and Shares ISA? (PensionBee) What is the State Pension? (PensionBee)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Boring Money (@boringmoney) on X, Instagram, TikTok, Facebook and LinkedIn.

    15 min

  8. 11/23/2025

    E44: Buy Now, Pay More? With Alice Tapper, Tim Hogg, and Dani Skerrett

    Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: 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: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Alice Tapper (@gofundyourself) on Instagram, LinkedIn and X. Follow Fairer Finance (@fairerfinance) on Instagram, LinkedIn, Facebook and X.

    30 min
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We get it, pensions can be overwhelming. But PensionBee is on a mission to build pension confidence. Whether you're just starting your savings journey, nearing retirement, or somewhere in between, the award-winning Pension Confident Podcast is here to help you get the best out of your pension. Subscribe today to hear from some of the best brains in personal finance every month, and get expert insights from the PensionBee team. Remember, anything discussed on this podcast should not be regarded as financial advice and as always with investments, your capital is at risk. https://www.pensionbee.com/podcast

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