We’re living longer, saving too little, and the state pension’s under pressure. So, can we actually afford to retire in the future? Our favourite pensions expert Tom McPhail joins us to chat through what’s changing in the current pension system, what’s not, and what it all means for your future.

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This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Chapters:

00:00 - We’re at a crisis point

05:56 - Is it too late?

10:42 - Is change even possible?

13:16 - What could change today?

18:50 - Vanta ad

20:00- Who doesn’t have enough to retire?

23:40 - Will consolidating schemes benefit you?

29:50 - Have you lost a pension pot?

34:25 - TaxZap ad

35:34 - Should the government force schemes to invest in the UK?

43:58 - Is the state pension a ticking time bomb?

53:05 - What actually gets people to save more?

55:35 - Why the triple lock needs to go

58:38 - What’s coming in the Autumn Budget?

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Outro

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