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: [email protected]. In this bonus episode of The Pension Confident Podcast, we cover some of the key changes from the new 2026/27 tax year and what they could mean for you and your finances. Join our host, Philippa Lamb, and VP Personal Finance at PensionBee, Maike Currie, as they unpack the changes impacting: the National Minimum and Living Wage; statutory sick, parental and bereavement pay; frozen earnings bands and savings limits; the State Pension and personal pensions. Episode breakdown 01:09 What is the tax year? 02:25 Minimum and statutory pay for workers 04:08 The State Pension and 'triple lock' 06:20 Frozen thresholds on earnings and savings 10:46 Pension contributions and compound interest Further reading and listening To learn more about the 2026/27 tax year, check out these articles and podcasts from PensionBee: Episode transcript (Blog) 4 smart ways to use your ISAs in retirement (Blog) How to use carry forward to make big pension payments (Blog) What is the State Pension? (Article) What is the triple lock on State Pensions? (Blog) What tax changes are coming in April 2026? (Blog) Other useful resources Adoption leave and pay (GOV.UK) Maternity leave and pay (GOV.UK) National Minimum Wage and National Living Wage rates (GOV.UK) Parental bereavement leave and pay (GOV.UK) Paternity leave and pay (GOV.UK) Shared parental leave and pay (GOV.UK) Statutory Sick Pay (SSP) (GOV.UK) The basic State Pension (GOV.UK) The new State Pension (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association) 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: [email protected]. Did you know that over the next 30 years, Baby Boomers are expected to pass down an astonishing £5.5 trillion in assets? It's being called one of the largest movements of wealth in British history. So are you ready for the 'great wealth transfer'? Many Millennials are facing tough financial challenges - with lingering student loans, high rent or mortgage costs and expensive childcare. A wealth transfer could be transformative for this generation. But here's the catch: without proper estate and financial planning, many families could face hefty tax bills. And from April next year, pensions will be included in estates for Inheritance Tax purposes, which could push that tax bill much higher! Join our host, Philippa Lamb, and our expert panel as they discuss the 'great wealth transfer': Co-Founder of Millennial Money UK, Niaz Azad; Solicitor and Director at Richard Reed Solicitors, Annaliese Barber; and Senior Performance Management Manager at PensionBee; Dan Stean. Episode breakdown 01:55 Planning for an inheritance 03:58 Generational divide between Baby Boomers and Millennials 07:27 From meritocracy, to inheritocracy 10:50 Inheritance Tax (IHT) basics and thresholds 15:07 Wills matter, even when young 18:37 Estate planning conversations create clarity 21:03 Gifting rules and pitfalls 23:56 When family dynamics and money collide Further reading and listening To learn more about intergenerational wealth, check out these articles and podcasts from PensionBee: E20: What to do when someone dies (Podcast) E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast) Estate planning - PensionBee's Milestone Moments (YouTube) Pension beneficiaries (Article) Pension rules after death (Article) Inheritance Tax guide (Article) What to do with inheritance money? (Blog) Six money conversations you need to have with your family (Blog) Writing a will (Article) Other useful resources 3 million pensioner millionaires (The Intergenerational Foundation) Busting the "wealthy boomers" myth (Centre for Ageing Better) British millennials still bearing scars of 2008 financial crisis, says research (The Guardian) Check who can apply for probate and inherit if someone dies without a will (GOV.UK) How do I write a will and how much does it cost? (MoneyHelper) Inheritance Tax rules on gifts (MoneyHelper) Setting up a trust fund (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. Follow Millennial Money UK (@MillMoneyUK) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X. Follow Richard Reed Solicitors (@richardreedsolicitors) on Instagram, LinkedIn and Facebook.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: [email protected]. On this bonus episode, we hear from PensionBee customer, Sanna. Like so many, she's juggling family life, buying her first home, and trying to save for retirement - all at the same time. Since having her daughter and moving back in with family to save on rent, her pension savings have taken a back seat. We unpack the choices Sanna has faced - from rising living costs and childcare to finding faith-aligned financial products - with the help of pension expert Rachael Oku, VP Brand and Communications at PensionBee. Plus, we share helpful guidance for prioritising your future savings while juggling the more immediate, everyday costs. Episode breakdown 01:06 Homebuying vs. saving for retirement 03:20 Rising costs and financial impact 05:05 Faith-driven investing options 08:39 Exploring multiple income streams Further reading, listening and watching To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: Episode transcript (Blog) E41: How can multi-generational living save you money? (Podcast) E6: What are Shariah investments? (Podcast) What is an investment account? (Article) What is an ISA? (Article) What is a Stocks and Shares ISA? (Article) How to use your property to fund your retirement (Blog) Other useful resources Check your State Pension age (GOV.UK) Free Childcare for Working Parents (GOV.UK) Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK) The new State Pension (GOV.UK) The UK Pension Landscape (PensionBee) Britain's Trapped Generation (Skipton) 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: [email protected]. One in every three households in the UK is now single occupancy. Here's the issue: being single could be costing you more. The so-called 'Singles Tax' is real. Cohabiting couples pay less per person on everything from energy bills to hotel rooms. So if you're single, or living alone, how much extra are you paying and what can you do about it? Join our host, Philippa Lamb, and our expert panel as they discuss the 'Singles Tax': Maths Teacher turned Broadcaster, Bobby Seagull MBE; Content Creator, Emma Barnes; Senior eCRM Manager at PensionBee; Valentina Adaldo. Episode breakdown 05:18 Flatmates vs. living alone trade-offs 08:02 'Houses before spouses' movement 10:48 Redundancy when single hits harder 14:40 Building your own financial safety net 15:09 Savings hacks for couples vs. singles 18:17 Wedding season costs and pooling gifts 23:42 Saving for retirement while single 25:59 Money tips for savvy singletons Further reading and listening To learn more about the 'Singles Tax', check out these articles and podcasts from PensionBee: Episode transcript (Blog) E14: What's the impact of your relationship status on your finances? (Podcast) E27: What's the cost of friendship? (Podcast) E37: The easiest way to retire with more money (Podcast) How much should I pay into my pension? (Article) How to tackle your personal finances when you're single (Blog) How to talk to your partner about money (Blog) Six ways to put together your emergency fund (Blog) What is compound interest? (Blog) What's the financial impact of multi-generational living? (Blog) Other useful resources Emergency savings – how much is enough? (MoneyHelper) "Singles tax" leaves half struggling with retirement savings: research (Corporate Adviser) The price of love: how much does dating cost – and who pays the bill? (The Guardian) The Retirement Living Standards (Pensions UK) The single surcharge: single Brits pay extra £3,844 a year for household bills (Uswitch) The 'single tax' revealed: What's the true cost of being single? (Finder) The solo penalty, from rent to holidays: 'Being single is costing me £12,000 extra a year' (The Guardian) 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 Bobby Seagull MBE (@bobby_seagull) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Emma Barnes (@emmaebarnes) on TikTok, YouTube and Instagram.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: [email protected]. In this 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: Episode transcript (Blog) 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.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: [email protected]. 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.

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: [email protected]. 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: Episode transcript (Blog) 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.