This is Money Podcast

Rob Morgan, an investment expert, joins the discussion on the contentious landscape of private versus public sector pensions. They dive into the implications of proposed national insurance changes on pension contributions, highlighting the risks posed to private workers. The conversation also covers the debate over defined contribution versus defined benefit schemes. Additionally, they explore recent UK house price trends and the challenges faced by young savers regarding rising costs and changes in pension policy. Finally, the pros and cons of Lifetime ISAs versus traditional pensions are analyzed.

Whether you voted Labour or not, with any new government, there is a sense of optimism. Things can only get better… apparently. But within days, Rachel Reeves and co poured cold water over all that - and the gloom and doom about the economy and what then could be (and crucially not be) in the Budget hasn’t stopped. Well Simon Lambert is fed up. So he has put forward an alternative budget with less than two weeks to go. Do you agree with him? And what would you do? Alongside Georgie Frost and Lee Boyce, the trio talk about budget pessimism. Did it need to be this way? There has been plenty of speculation that NI paid by employers will rise and they may even have to pay NI on pension contributions. What does that mean? This week, CPI fell below the Bank of England's 2 per cent target in September, reaching its lowest point in three years. What does that mean for interest rates? More major lenders have put mortgage rates up - where next for home loan deals... and just what is Sonia, if not an Eastenders character or 80s pop star? And lastly, there has been plenty of pre-budget speculation about inheritance tax. But what about the here and now... can you really get caught out by taking your extended family on an annual holiday?

How well do you manage your money? Where would you rate your budgeting, saving, investing and pension efforts out of ten? It's not often that we think about these things but mulling them over and making improvements where needed and patting yourself on the back when deserved, is a major step on the road to financial success. On this week's podcast, Georgie Frost and Simon Lambert dial down the noise of the news and dive into how we can manage our money better instead. They discuss tips on how to budget, how to boost your savings and returns, how easy or complicated investing should be, and why a pension is the best and easiest way to get rich. The podcast duo also share an honest look at their own money management and finances, revealing what they do well, what they just about get by at - and the mistakes they make. Plus, when should you decide to get the professionals in and seek financial advice or financial planning? Simon and Georgie discuss that and the costs. And financial planner Dan Beecroft, of Charles Stanley, joins the show to talk about why people seek financial advice and the questions they ask.

The This is Money podcast recently welcomed Sir Steve Webb for a special episode where he answered listeners' questions on everything you need to know about pensions. In this excerpt, Steve and Simon Lambert discuss whether you should invest in a work pension or Sipp - and how to make the most of them. > Listen back to the full Steve Webb pensions episode

Sir Steve Webb has been This is Money's pensions agony uncle for the past eight years - and this week he celebrated an astonishing 400 columns. Every week, Steve, in partnership with This is Money's pensions and investing editor Tanya Jefferies, answers readers' questions about retirement. On this special episode of the This is Money podcast, Steve joins Georgie Frost and Simon Lambert to answer your questions about pensions. From how to invest for retirement, to the state pension and tax , this show highlights what you need to know about pensions. Plus, with the Budget on the way and speculation at fever pitch, Steve, Simon and Georgie debate what might happen - and share their views on what should happen. Don't miss this essential podcast that could set you up for a richer retirement.

Do you keep savings in your current account? It’s an easy trap to fall into, with a third of people admitting they do it in a recent poll. If you do keep a savings pot in a bank account you are likely to be missing out on a big chunk of interest you could otherwise earn. But even if they don’t do this, there’s two more mistakes people make – using convenient ‘insult’ accounts with their existing bank that pay pitiful interest and not using a cash Isa and losing out to tax. On this podcast, Georgie Frost, Lee Boyce and Simon Lambert look at how to make more of your savings and avoid handing over returns to the bank or taxman. Plus, are you playing into the hands of shoulder surfing fraudsters or phone snatchers, why are more larger detached homes hitting the market and how can you get Steve Webb to answer your pension question on next week’s podcast?

Inheritance tax is divisive, seen by some as double taxation. The discussion reveals strategies to minimize liabilities through gifting before death, with focus on the surplus income rule. Listeners learn about the importance of annual gifting limits and surviving the seven-year rule. Other intriguing topics include challenges with noisy heat pumps, the cancellation of the British ISA, and the declining fate of local high streets in the face of online shopping. It’s a mix of financial insights and pressing societal issues!

Explore the potential impacts of upcoming tax changes, focusing on how they might affect middle and higher-income earners. Discover Halifax's initiative enabling first-time buyers to borrow more, and the related risks and benefits. Uncover the complexities of pension tax relief in the context of the budget. Meanwhile, listen to entertaining tales of mishandled deliveries and misadventures in ticket purchasing, highlighting the quirks of service reliability and the infamous Gallagher brothers' volatility with Oasis reunion gigs.