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The Pension Confident Podcast

The Pension Confident Podcast

By: PensionBee
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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. Economics Personal Finance
Episodes
  • E54: How to build generational wealth with Rotimi Merriman-Johnson, Anna Brading and Rosa Buttice

    E54: How to build generational wealth with Rotimi Merriman-Johnson, Anna Brading and Rosa Buttice
    Oct 25 2026
    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; andHead 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.
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    30 mins
  • BONUS EPISODE: "They're not going to be mortgage-free at 48"

    BONUS EPISODE: "They're not going to be mortgage-free at 48"
    Oct 15 2026

    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.
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    9 mins
  • BONUS EPISODE: Should you overpay your mortgage or top up your pension?

    BONUS EPISODE: Should you overpay your mortgage or top up your pension?
    Oct 5 2026
    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.
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    21 mins
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