The Pension Confident Podcast

Hosted by PensionBee

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105

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Oct 2026

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About the show

We get it, pensions can be overwhelming. But here at PensionBee, we're on a mission to build pension confidence. That's where The Pension Confident Podcast comes in. With the help of financial experts, we dig into topics that really matter - from the basics of how pensions, ISAs and mortgages work, to how you can start to use your money to save for a happy retirement. Subscribe today to hear from some of the best brains in personal finance and get expert insights from the PensionBee team. Shortlisted at The British Podcast Awards 2026.

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October 25, 2026Episode 5430 min

E54: How to build generational wealth with Rotimi Merriman-Johnson, Anna Brading and Rosa Buttice

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

October 15, 20268 min

BONUS EPISODE: "They're not going to be mortgage-free at 48"

In this bonus episode, we hear from PensionBee customer Jonathan as he shares his pension story. From the trusty spreadsheet he started with his wife 24 years ago, to now being on track to be mortgage-free in two years - before they hit age 50. We unpack Jonathan's financial journey with pensions expert Dan Stean from PensionBee, covering: what overpaying a mortgage means and why you should check for Early Repayment Charges (ERCs) first; how to weigh mortgage overpayments against pension contributions and how calculators can help; and why planning your finances together as a couple can help, married or not. Episode breakdown 00:39 Meet Jonathan 04:15 Budgeting as a couple 06:24 Teaching kids about money Further reading and listening To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: Episode transcript (Blog) 8 easy steps to build an effective budget (Blog) Bonus episode: Should you overpay your mortgage or top up your pension? (Podcast) How to teach kids about money (Blog) Money management tips for couples (Blog) What is an emergency fund? (Article) Other useful resources Habit Formation and Learning in Young Children 2013 PDF (Money and Pensions Service) Mortgage early repayment charges explained (MoneySupermarket) Mortgage Overpayment Calculator (MoneySavingExpert) Pension Calculator (PensionBee) Pension vs Mortgage Calculator (Personal Finance Calculator) Should you pay off your mortgage early? (MoneyHelper) Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok , YouTube , Instagram , LinkedIn , Facebook , X and Threads . Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com .

October 5, 202621 min

BONUS EPISODE: Should you overpay your mortgage or top up your pension?

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

September 27, 2026Episode 5332 min

E53: What's missing from your investment portfolio? With Gabriel Nussbaum, Davinia Tomlinson and Matt Batsman

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

September 17, 202623 min

BONUS EPISODE: "Discussing money is a taboo subject"

In this bonus episode, we hear from PensionBee customer Joumana as she shares her pension story. From moving to the UK from Lebanon 13 years ago with no idea a personal pension was even an option, to buying back missing National Insurance years and picking an investment plan that matches her appetite for risk as a freelancer. We unpack Joumana's pension journey with pensions expert Dani Skerrett from PensionBee, covering: why the self-employed pension gap exists, and how flexible contributions can help; how to check and fill gaps in your National Insurance record; how your pension is protected by the FSCS; and the Retirement Living Standards, and what they mean for your own retirement goal. Episode breakdown 01:04 Meet Joumana 08:58 How your pension is protected 13:03 Self-employed pension contributions 17:24 The Retirement Living Standards Further reading To learn more about the topics discussed in this bonus episode, check out these articles from PensionBee: Episode transcript (Blog) How much should I have in my pension? (Blog) How to check your State Pension forecast (Blog) Is my pension protected by the FSCS? (Article) Pension contribution limits (Article) SIPP vs. defined contribution pension: which is the best for self-employed? (Article) What is the State Pension? (Article) Other useful resources Check your National Insurance record (GOV.UK) Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK) Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok , YouTube , Instagram , LinkedIn , Facebook , X and Threads . Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com .

September 7, 202611 min

BONUS EPISODE: Should you save into a Junior ISA or a Junior SIPP?

With the kids back at school, is now the time to start saving or investing for their future? Join our host, Philippa Lamb, and Maike Currie, VP Personal Finance at PensionBee, as they break down the key differences between a Junior ISA and a Junior SIPP, how each is taxed, and which one might be right for your family. Episode breakdown 00:51 Junior ISAs and Junior SIPPs at a glance 02:29 How Junior ISAs and Junior SIPPs are taxed 06:07 Cash Junior ISA versus Stocks and Shares Junior ISA 08:04 How to decide between a Junior ISA or Junior SIPP Further reading, listening, and watching To learn more about saving for children, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E8: How to teach kids about money (Podcast) E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast) E42: Should you pay for your kids to go to university? (Podcast) 5 tax allowances to make your savings and investments more tax-efficient in 2026/27 (Blog) 7 of the best ways of giving money to grandchildren (Blog) Buying a property: the basics - PensionBee's Milestone Moments (Video) How to diversify your pension investments (Blog) How to make your child a millionaire (Blog) What is a Junior ISA? (Article) What is compounding? (Article) Should I pay into a pension or an ISA? (Article) Other useful resources Junior Individual Savings Accounts (ISA) (GOV.UK) Junior pensions: what is a junior SIPP and how does it work? (Unbiased) Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok , YouTube , Instagram , LinkedIn , Facebook , X and Threads . Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com .

August 30, 202616 min

BONUS EPISODE: The best from our Series 5 guests (so far) with Philippa Lamb and Lucy Greenwell

We're over halfway through Series 5, and it's already covered a lot of ground: whether marriage makes financial sense, what to do if you're 50 years old with nothing saved for retirement, how to stop lifestyle creep swallowing your pay rise, and plenty more. So our Host, Philippa Lamb, pulled Series Producer, Lucy Greenwell, out from behind the glass to argue over their favourite moments from the 33 guests who've joined the podcast so far this year. Episode breakdown 01:42 Best episode for first-time listeners 04:20 Most surprising number 08:16 Funniest episode 10:40 Best money tip 13:44 Most shocking moment Catch up on all of Series 5 of The Pension Confident Podcast today! Explainer Episodes Bonus episode: What does the 2026/27 tax year mean for your finances? With Maike Currie Bonus episode: How much can you contribute into your pension each year? With Maike Currie Bonus episode: Should you buy Premium Bonds or save into a Cash ISA? With Maike Currie Bonus episode: How does market volatility shape your pension pot? With Maike Currie Customer Episodes Bonus episode: "I stopped paying into my pension for 20 years" With Rachael Oku and PensionBee customer, Tara-Jane Bonus episode: "I work as a handyman to top up my pension income" With Rachael Oku and PensionBee customer, Tony Bonus episode: "I switched my pension so it complies with my faith" With Rachael Oku and PensionBee customer, Sanna Bonus episode: "A life-changing diagnosis refocused me on my beneficiaries" With Dani Skerrett and PensionBee customer, David Bonus episode: "As soon as I left that job, the pension stopped" With Dani Skerrett and PensionBee customer, Becca Bonus episode: "I've often said that I retired when nobody wanted me anymore" With Dani Skerrett and PensionBee customer, Nigel Bonus episode: "I put my money where my mouth is" With Veronica Morozova and PensionBee customer, Sally Bonus episode: "There's no point being the richest person in the graveyard" With Veronica Morozova and PensionBee customer, Andy Full Episodes E46: How to bounce back from redundancy with Jimmy McLoughlin OBE, Eleanor Mills, and Emma Ferenc-Bachelor E47: The 'Singles Tax' - how much is it costing you? With Bobby Seagull MBE, Emma Barnes, and Valentina Adaldo E48: Are you ready for the 'great wealth transfer'? With Niaz Azad, Annaliese Barber, and Dan Stean E49: Can you still make money as a Buy-to-Let landlord? With Anna Pearce and Michael Annis E50: Starting a pension from £0 at 50 years old with Hannah Martin, Simonne Gnessen and Sarah Durber E51: How to resist lifestyle creep with Clare Seal, Edoardo Moreni, and Alex Langley E52: Is it worth getting married? With Mike Donkor, Philippa Dolan, and Jasper Martens And there's plenty more where that came from. We'll be back in September with three new episodes: 7 September - Bonus episode: Should you save into a Junior ISA or a Junior SIPP? With Maike Currie 17 September - Bonus episode: "Discussing money is a taboo subject" With Dani Skerrett and PensionBee customer, Joumana 27 September - E53: What might be missing from your investment portfolio? With Gabriel Nussbaum, Davinia Tomlinson, and Matt Batsman You don't want to miss it! So make sure you're subscribed to The Pension Confident Podcast today and catch every episode as soon as it airs. Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok , YouTube , Instagram , LinkedIn , Facebook , X and Threads . Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com .

August 20, 202614 min

BONUS EPISODE: "There's no point being the richest person in the graveyard"

In this bonus episode, we hear from PensionBee customer Andy as he shares his pension story. From two decades living and working abroad and untangling the dormant pensions he left behind, to returning to the UK and working out what "enough" really means when you're planning around a Multiple Sclerosis (MS) diagnosis. We unpack Andy's pension journey with pensions expert Veronica Morozova from PensionBee, covering: why finding and consolidating old pensions matters, especially after working overseas; what 'QROPS' is, and how time spent abroad affects your State Pension; the tax benefits of paying into a pension through your own limited company; and how to plan for a range of retirement scenarios, including future care costs. Episode breakdown 00:51 Meet Andy 04:12 Consolidating pensions and working abroad 08:13 Tax relief and self-employment 11:31 Planning for an uncertain future Further reading and listening To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: Episode transcript (Blog) E15: How can we achieve financial inclusion? (Podcast) How to transfer an overseas pension to the UK (Article) Markets and tariffs: what's going on and what it means (Blog) Overseas pension transfers (Article) Pension tax relief and the tapered annual allowance for high earners (Article) The lump sum allowance, lump sum death benefit allowance, and overseas transfer allowance (Article) What happens to my pension if I move abroad? (Article) What is the State Pension? (Article) Other useful resources Check the recognised overseas pension schemes notification list (GOV.UK) Check your State Pension forecast (GOV.UK) Pension Tracing Service (GOV.UK) When the council might pay for your care (NHS) Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok , YouTube , Instagram , LinkedIn , Facebook , X and Threads . Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com .

August 10, 20262 min

TRAILER: The Pension Confident Podcast Series Five summer trailer

It's time for your Series Five rewind and sneak peek at what's coming up on The Pension Confident Podcast. If you missed an episode, don't worry, you can catch up on every single episode so far wherever you get your podcasts: E46: How to bounce back from redundancy E47: The 'Singles Tax' - how much is it costing you? E48: Are you ready for the 'great wealth transfer'? E49: Can you still make money as a Buy-to-Let landlord? E50: Starting a pension from £0 at 50 years old E51: How to resist lifestyle creep E52: Is it worth getting married? And there's plenty more where that came from. Later this month, Series Producer Lucy Greenwell joins our Host Philippa Lamb to pick out the best bits from our Series 5 guests (so far). Then, coming up in September: What might be missing from your investment portfolio? We'll be joined by: Content Creator ' That Money Guy ', Gabriel Nussbaum; Founder and CEO of rainchq , Davinia Tomlinson; and Senior Investment Content Manager at PensionBee , Matt Batsman. You can 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 (@PensionBee) on TikTok , YouTube , Instagram , LinkedIn , Facebook , X and Threads . Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com .

July 27, 2026Episode 5231 min

E52: Is it worth getting married? With Mike Donkor, Philippa Dolan and Jasper Martens

For the first time ever, fewer than half of UK adults are married or in a civil partnership, yet the law hasn't caught up with how many of us now live together instead. So, legally and financially, is it still worth getting married? Join our host, Philippa Lamb, and our expert panel as they discuss whether marriage still pays off financially and legally, and what unmarried couples need to put in place instead: Financial Planner, Mike Donkor ; Solicitor and Partner at Collyer Bristow , Philippa Dolan ; and Chief Marketing Officer at PensionBee , Jasper Martens . Episode breakdown 01:18 Why marriage rates are falling 05:44 The financial perks of marriage 09:04 When unmarried couples split 12:41 Avoiding the money conversation 16:20 How are pensions shared 19:28 Who gets the pets? 21:15 Protecting your partner with a will 24:22 Cohabitation Agreements and annual reviews 28:48 A fairer end to relationships Further reading and listening To learn more about managing money in a couple, check out these articles and podcasts from PensionBee: Episode transcript (Blog) E14: What's the impact of your relationship status on your finances? (Podcast) E35: The cost of divorce (Podcast) How does divorce or remarrying affect your pension? (Article) Pension beneficiaries (Article) Six money conversations you need to have with your family (Blog) Why pensions deserve your attention during divorce (Blog) Writing a will (Article) Other useful resources A fairer end to relationships: consultation (GOV.UK) Capital Gains Tax allowances (GOV.UK) Cohabitation Agreement guidance (The Law Society) Families and households in the UK (Office for National Statistics) Inheritance Tax (GOV.UK) Marriage Allowance (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 . Follow Collyer Bristow (@Collyer_Bristow) on YouTube , Instagram , LinkedIn , Facebook and X . Follow Mike Donkor (@michaelgdonkor) on TikTok , 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: podcast@pensionbee.com .

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