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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
  • E51: How to resist lifestyle creep with Clare Seal, Edoardo Moreni, and Alex Langley

    E51: How to resist lifestyle creep with Clare Seal, Edoardo Moreni, and Alex Langley
    Jun 28 2026
    Are you earning more than you were five years ago but still don't feel better off? You might be experiencing 'lifestyle creep'. The subtle way spending expands to quietly swallow every pay rise, bonus, and promotion. From Ocado upgrades and subscription sprawl to beauty routines that keep growing, lifestyle creep is surprisingly easy to fall into and remarkably hard to spot. Join our host, Philippa Lamb, and our expert panel as they discuss how to identify, resist, and even reverse lifestyle creep: Content Creator, Clare Seal;Co-Founder and CEO of Emma, Edoardo Moreni; andHead of Customer Success Team at PensionBee, Alex Langley. Episode breakdown 01:38 What is lifestyle creep? 05:23 Trigger points and the psychology of spending more 09:41 Supermarket upgrades and the subscription trap 13:17 Being intentional and auditing your spending 16:05 The real pension cost of lifestyle creep 19:20 How to cut back without making life miserable 21:31 Building resilience and talking about money 26:12 Budgeting frameworks and tools that work Further reading, listening and watching To learn more about lifestyle creep and how to manage your money, check out these articles, podcasts and videos from PensionBee: E37: The easiest way to retire with more money (Podcast) 50-30-20: How the budgeting 'rule of thumb' is changing in the face of the cost of living crisis (Blog) How much should I pay into my pension? (Article) Six ways to put together your emergency fund (Blog) The power of 1%: how small pension increases can make a big difference (Blog)What is compound interest? (Video)Increasing your pension contributions (Video) Other useful resources Compound Interest Calculator (The Calculator Site)Pension Calculator (PensionBee) Subscription service statistics (Finder)The Retirement Living Standards (Pensions UK) The Cost of Disengagement (PensionBee) UK financial outlook 2026 (YouGov) 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 Clare Seal (@clare.seal) on TikTok, Instagram, LinkedIn and X. Follow Emma App (@emma_finance) on TikTok, 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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    31 mins
  • BONUS EPISODE: "I've often said that I retired when nobody wanted me anymore"

    BONUS EPISODE: "I've often said that I retired when nobody wanted me anymore"
    Jun 18 2026

    In this bonus episode, we hear from PensionBee customer Nigel. Now 76 and retired, he spent decades commuting into Central London, raising two children, and telling himself he'd sort his pension "someday". A bad experience with an active fund manager and an IFA changed all that - and a tip from his son led him to PensionBee.

    We unpack Nigel's pension journey with pensions expert Dani Skerrett from PensionBee, covering the tax benefits of saving into a pension, when a financial adviser is (and isn't) worth it, how to think about how much you actually need in retirement, and what life in drawdown really looks like day-to-day.

    Episode breakdown

    00:48 Meet Nigel

    03:19 The tax benefits of saving into a pension

    06:47 Should you use a financial adviser?

    12:11 How much do you actually need for retirement?

    16:12 Nigel's life in retirement

    Further reading and listening

    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)
    • E37: The easiest way to retire with more money (Podcast)
    • 4 smart ways to use your ISAs in retirement (Blog)
    • Independent Financial Adviser fees on pensions (Article)
    • What is a crystallised pension? (Article)
    • What is flexi-access drawdown? (Article)
    • What is the 4% rule for withdrawals in retirement? (Article)

    Other useful resources

    • Pension Calculator (PensionBee)
    • Retirement Living Standards (Pensions UK)
    • Taking money from your pension just got simpler with Automatic withdrawals (PensionBee)
    • 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: podcast@pensionbee.com.
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    20 mins
  • Bonus episode: Should you buy Premium Bonds or save into a Cash ISA?

    Bonus episode: Should you buy Premium Bonds or save into a Cash ISA?
    Jun 8 2026

    Premium Bonds and Cash ISAs are two of the most popular savings options in the UK, but which one is right for you? With interest rates fluctuating and the cost of living still a real concern, it's more important than ever to make your savings work as hard as possible.

    Join our host, Philippa Lamb, and VP Personal Finance at PensionBee, Maike Currie as they discuss:

    • how Premium Bonds work, including the odds, limits, and why there's no guaranteed return;
    • how Cash ISAs compare on interest rates, access, and tax efficiency; and
    • who should consider which option, and whether holding both makes sense.

    Episode breakdown

    00:45 How Premium Bonds work

    02:41 The catch with Premium Bonds

    05:05 How Cash ISAs work

    07:00 Tax considerations

    07:35 Which is right for you?

    Further reading and listening:

    To learn more about Premium Bonds and Cash ISAs, check out these articles and podcasts from PensionBee:

    • How does inflation affect pensions? (Blog)
    • Inflation Calculator (Calculator)
    • What are Premium Bonds? (Article)
    • What is a Cash ISA? (Article)
    • What to do when interest rates rise (Blog)
    • E29: Pensions vs. cash - which is best? (Podcast)

    Other useful resources

    • Premium Bonds prize rate and odds (NS&I)
    • Tax-free interest on savings (GOV.UK)
    • Barclays Equity Gilt Study 2025 (Barclays)

    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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    10 mins
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