When it comes to retirement, working out how much you will need to set aside can seem like a monumental task. The average person has between 8 to 10 jobs over their lifetime. People are living longer – with the median retirement age at 65 and life expectancy at 80. What should people think about when planning for their pension? And what challenges do people face? Women are the most likely to suffer from pension inequality, with single women being the poorest of all pensioners. Almost a fifth of private sector employees do not do any pension saving, and a third of people expect to retire with only a state pension. To shine a light on some of the pension inequalities, Katy Balls is joined by Wendy Chamberlain, Liberal Democrat spokesperson for Work and Pensions, Jackie Leiper, CEO of Embark Group and MD of Pensions at Scottish Widows, both part of Lloyds Banking Group, and Lauren Wilkinson, from the Pensions Policy Institute, and co-author of the Underpensioned report. This podcast is kindly sponsored by Lloyds Banking Group.

Thangam Debbonaire was born in Peterborough to an Indian father and English mother. She has been an MP since 2015 but before Parliament spent over 25 years working to end domestic violence. She served under Jeremy Corbyn as Shadow Minister for Arts and Heritage and has served in Keir Starmer’s Shadow Cabinet since his leadership as the Shadow Culture Secretary. Thangam is no stranger to a lively debate at the dispatch box and despite a busy life as an MP, still finds time for music, playing cello in Parliament as part of the string quartet, The Statutory Instruments.

Justine Greening was born in Rotherham, the daughter of a steel worker and first in her family to go to university. Campaigning for the Conservatives, she won back a Tory stronghold from Labour in the 2005 general election becoming MP for Putney. She began politics in opposition, but became a Cabinet Secretary in David Cameron’s government, and remained there for Theresa May’s premiership as Education Secretary. Now having left Parliament, Justine is never far from politics – she founded the Social Mobility Pledge and now even runs her own podcast.

Gina Miller was born in Guyana to a political family, but was sent to England for her education. Fleeing dictatorship, she couldn’t receive financial support from her family, and so began finding work in hotels and handing out flyers. With an entrepreneurial spirit, Gina set up her first company in 1987 – a property photographic company. Since then, her CV boasts a myriad of achievements, degrees, the Vanity Fair Challenger Award and financial services. But she is most well known as the woman who set up the first legal challenge to the government’s attempts to trigger article 50 in 2016. Since then, my guest has worked on many anti-Brexit campaigns and in 2021 she launched The True and Fair Party.

Theo Clarke is Conservative MP for Stafford. She is the Prime Minister’s Trade Envoy to Kenya and sits on the International Development Select Committee. Before being elected she set up and sold her business and then went on to be Chief Executive of an international development charity backed by Bill Gates. Theo got involved in politics after the election expenses scandal and stood in Bristol East in 2015 and 2017. She currently Chairs the All Party Parliamentary Group on Birth Trauma and recently launched a national inquiry into this issue.

Susan Hall, a born and bred Londoner, shares her journey from beauty salon owner to Conservative politician running for London mayor. Topics discussed include daring school days, challenges in local politics, social media scrutiny, women's safety in London, working with a Labour government, and support for Rishi Sineka.

Jacqui Smith was born in Malvern, where she joined the Labour party aged 16. After graduating from Oxford, Jacqui moved to London and worked briefly as a parliamentary researcher but trained to be a teacher and became head of economics. The temptation to electoral politics eventually pulled her back. Having failed the first time, Jacqui became the MP for Redditch in 1997 – labeled one of ‘Blair’s babes’.  Within two years, Jacqui joined the government, and under Gordon Brown, she became the first female Home Secretary, a post she later described as a ’poisoned chalice’ to her successor. She resigned over a dispute related to parliamentary expenses, spending a few years as backbench MP. Since leaving politics Jacqui has served as Chair on several public and private posts. Now she co-hosts the LBC weekly show with Iain Dale and chairs two NHS trusts.

Alison McGovern sits on Labour’s front bench as the shadow minister for work and pensions but was first elected as an MP in 2010. Growing up in Merseyside, her grandfather was a folk singer who wrote ‘My Liverpool Home’. Her father was a railwayman that campaigned for better working conditions, but it was her mother that sparked her interest in politics. Following a successful career as Labour councillor she went onto win her seat for Wirral South. Alison has led several senior posts for Labour, which began as Gordon Brown’s parliamentary secretary, then Opposition Whip, Shadow Minister for international development, Shadow Education, Shadow Treasury Minister and Shadow DCMS Minister.

Arlene Phillips was born in Lancashire, but moved to London to pursue her love for dance. She started age 3 and by the age of 20 she became a dance teacher. From here she formed the dance troupe Hot Gossip and made regular appearances on the Kenny Everett show, catapulting her into the public eye. She went on to be involved with some of the biggest productions on West End – including Grease, Guys and Dolls and the Sound of Music. She’s also choreographed films such as 1982’s Annie and has worked with some of the stars like Freddie Mercury and Tina Turner. In 2004 Arlene was on the original judging panel for Strictly Come Dancing – now one of the nation’s favourite shows. Arlene has no shortage of awards and most recently received royal praise, being awarded a Damehood in the 2021 Birthday Honours.

The UK is facing a housing crisis hitting both buyers, renters and those who aren’t in a position to live in a stable home. Factors such as rising mortgage rates and inflation mean that people are increasingly struggling to meet their housing costs, especially those on low incomes – and women disproportionately fall into that bracket.  There are a number of reasons for this: of all jobs that pay less than the living wage – 60 per cent are held by women. Over the course of a woman’s lifetime her income can be seriously affected by taking time out to care for children or elderly relatives. Even in higher paid jobs, women still earn less than their male counterparts. Katy Balls speaks to a specialist panel of guests to discuss housing crisis from a female perspective: Rachel Maclean – Minister of State for Levelling Up, Housing and Communities; Esther Dijkstra – the Managing Director of Intermediaries at Lloyds Banking Group; and Clare Miller – the Group Chief Executive for Clarion Housing Group. This podcast is kindly sponsored by Lloyds Banking Group.