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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 every month and get expert insights from the PensionBee team. Economics Personal Finance
Episodes
  • E50: Starting a pension from £0 at 50 years old with Hannah Martin, Simonne Gnessen and Sarah Durber

    E50: Starting a pension from £0 at 50 years old with Hannah Martin, Simonne Gnessen and Sarah Durber
    May 24 2026
    An estimated 7 million people aged over 50 in the UK have no private pension savings at all. Here's the reality: if you're one of them, it can feel too late to start. It isn't. Whether it's career breaks, the cost of living, a divorce, or simply never getting round to it - millions of people reach 50 with little or nothing put away. So how do you go from £0 to a pot that actually makes a difference? Join our host, Philippa Lamb, and our expert panel as they discuss starting a pension from scratch at aged 50: Founder of Rich Retiree, Hannah Martin;Founder of Wise Monkey Financial Coaching, Simonne Gnessen; andVP Customer Success at PensionBee; Sarah Durber. Episode breakdown 01:41 When did our panellists start saving? 03:31 Why so many people reach 50 with no pension 06:56 The real cost of opting out 11:16 Pension Sharing Orders and divorce 13:11 How to start from £0 at 50 years old 17:27 Making the most of your workplace pension 19:26 How contributing just a little more adds up 26:26 Property, side hustles, and creative retirement strategies Further reading, listening and watching: To learn more about building your pension later in life, check out these articles and podcasts from PensionBee: E37: The easiest way to retire with more money (Podcast) How much should I pay into my pension? (Article) Pension Sharing Order (Article) What is compound interest? (Blog) Six ways to put together your emergency fund (Blog) I'm 40, is it too late to start a pension? (Blog)How to grow your pension in your 40s and 50s (Blog) The power of 1%: how small pension increases can make a big difference (Blog)What is compound interest? (Video)What happens to my pension during a divorce? (Video)Increasing your pension contributions (Video) Other useful resources The Cost of Disengagement (PensionBee) The Carer's Pension Gap (PensionBeePension Calculator (PensionBee) Almost 7 million over-50s have no private pension (Pensions Age)The Retirement Living Standards (Pensions UK) Pension sharing orders slump despite growing number of divorces (Pensions Age) Four out of five Brits plan to downsize to fund retirement (MoneyWeek)Rent a room in your home: the Rent a Room Scheme (GOV.UK) Proposed benefit and pension rates 2026 to 2027 (GOV.UK) Compound Interest Calculator (The Calculator Site) 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 Rich Retiree (@rich.retiree) on Instagram, LinkedIn, Facebook and Pinterest. Follow Wise Monkey Financial Coaching (@simonnegnessen) on YouTube, 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.
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    30 mins
  • BONUS EPISODE: "As soon as I left that job, the pension stopped"

    BONUS EPISODE: "As soon as I left that job, the pension stopped"
    May 14 2026

    On this bonus episode, we hear from PensionBee customer Becca. Auto-enrolled into her first workplace pension without a second thought, she assumed retirement saving would always just happen in the background. Then she went self-employed, and for eight years, it didn't happen at all.

    We explore the self-employed pension gap with the help of pensions expert Dani Skerrett, Head of Content Marketing at PensionBee, covering everything from why Auto-Enrolment leaves millions of freelancers and sole traders behind, to the surprising cost of those years of disengagement. We also share how contributing just £30 a month can make a difference of thousands of pounds by retirement.

    Episode breakdown

    00:34 Meet Becca

    03:30 The self-employed pension gap

    06:19 What stops self-employed people saving?

    09:43 The cost of disengagement

    14:26 Becca's belief in 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:

    • E8: How to teach kids about money (Podcast)
    • E37: The easiest way to retire with more money (Podcast)
    • E40: The ADHD tax - how much is it costing you? (Podcast)
    • 6 pension tips for sole traders (Blog)
    • How to manage pension contributions from multiple incomes (Blog)
    • Private pensions for the self-employed (Article)
    • What is Making Tax Digital and how can sole traders prepare? (Blog)
    • What pension can I get if I'm self-employed? (Article)

    Other useful resources

    • Pension Calculator (PensionBee)
    • Retirement Living Standards (Pensions UK)
    • Working for yourself (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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    17 mins
  • BONUS EPISODE: How much can you pay into your pension this tax year?

    BONUS EPISODE: How much can you pay into your pension this tax year?
    May 4 2026

    In this bonus episode of The Pension Confident Podcast, we cover the key pension contribution rules and limits for the new 2026/27 tax year, and what they could mean for your retirement savings.

    Join our host, Philippa Lamb, and VP Personal Finance at PensionBee, Maike Currie, as they break down everything you need to know about:

    • how much you're allowed to pay into your pension this tax year;
    • the contribution limits that apply based on your annual income;
    • making the most of government top-ups; and
    • what the updated rules could mean for your long-term finances.

    Episode breakdown

    01:00 What's the annual allowance?

    04:55 Pension Lifetime Allowance scrapped

    05:42 Exceeding your annual allowance

    06:46 Using your carry forward allowance

    Further reading and listening

    To learn more about pension contributions, check out these articles and podcasts from PensionBee:

    • Bonus episode: "I stopped paying into my pension for 20 years" (Podcast)
    • Bonus episode: What does the 2026/27 tax year mean for your finances? (Podcast)
    • E43: Who wants to be a pension millionaire? (Podcast)
    • How to check your pension contributions (Article)
    • How to use carry forward to make big pension payments (Blog)
    • Making pension contributions (Article)
    • Pension carry forward rule (Article)
    • What tax changes are coming in April 2026? (Blog)

    Other useful resources

    • Abolition of the Lifetime Allowance (LTA) (GOV.UK)
    • Carry forward: increase your annual allowance for pension savings (MoneyHelper)
    • The annual allowance for tax relief on pension savings (MoneyHelper)
    • 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: podcast@pensionbee.com.
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    9 mins
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