Private vs public sector pensions - and how to avoid a race to the bottom

Is the younger generation going to end up worse off than their parents?A new survey shows young people aged 18 to 29 say the events of 2026 have left them feeling particularly pessimistic about the future, and the number who believe they will be worse off than their parents has doubled in the past year.Georgie Frost, Simon Lambert and Lee Boyce discuss whether the idea the next generation will have it better than previous ones is now bunkum.Elsewhere, what do you want to see less of on the high street? And how can they improve?A student loan interest cap kicks in later in the year... for some. Simon explains what it means.And do you use a dodgy fire stick for watching TV, films or football? We discuss whether the net is closing in on their illegal use.Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us [email protected] us  020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.

A new government-backed campaign to get Britain to become a nation of investors is about to kick off.The message that you can be making more of your money will be spread in adverts that we know will feature a squirrel... but not much more about.It's a campaign being led by the Investment Association, the fund management industry body, and backed by 20 financial firms, ranging from investing platforms to wealth managers.So, will it make a difference - and why are we being told to invest?On the This is Money Podcast, Georgie Frost, Helen Crane and Simon Lambert dive into the reasons for investing, the easy ways to do it and why it doesn't have to be an all or nothing affair.Also in this episode, will the Bank of England really raise interest rates, Crane on the Case tackles a terrible tale of a holiday refund that should have been made, we look at the supermarket tactics to ge you to spend more... and Helen takes us down memory lane to a Midlands supermarket in the 1990s.And finally, how much would an A4 sheet of paper worth of a new home cost you - and why on earth would you want to know?Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us [email protected] us  020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.

Many younger adults think they are substantially less well-off than their parents.But while there are inequalities, new research suggests the wealth gap may be far narrower than previously reported - and it is largely down to the cash those in their twenties and thirties have stashed in their pensions. On this week's episode of the This is Money podcast Lee Boyce, Helen Crane and Georgie Frost discuss why official figures got it wrong, and whether property versus pension is a pointless comparison. The team also ask what will happen to interest rates and mortgages due to the fact that - for now at least - a ceasefire in Iran appears to be holding. Elsewhere, Lee reports on a ferocious best buy battle at the top of the fixed cash Isa tables, where even the high street banks are getting involved. And finally, another Chinese pretender to Amazon's retail throne has entered the UK. Is Joybuy any good, how did it fare when our reporter put its delivery service to the test - and do we really need another place to buy bargain toilet rolls online? Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us [email protected] us  020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.

A solar revolution is on its way to Britain and can help save us from volatile and high energy bills, if you believe Ed Miliband.Plug-in solar panels are popular across Europe but currently rules in the UK mean that we can’t buy them and, as it says on the tin, simply plug them into our home’s electricity supply.But changes are afoot that will mean we could soon be buying individual panels that cost £400 and simply plugging them into a three-pin wall socket, where thanks to the magic of an inverter they would put power into your home.And we might even be able to nip down to the middle of Lidl to buy them, with the discount supermarket among those talking about offering them – in its famous middle aisle.In Germany, Ikea sells panels and there and in other European countries they are popular, so could they transform our homes? How long would it take to get your money back – and what’s the prepper angle on the interest in all this?Georgie Frost and Simon Lamber talk plug-in solar panels and energy bills on this episode of the This is Money podcast.They also discuss summer holiday flights and what the massive disruption triggered by the Iran war will do to prices and demand – and how to target a cheaper break.Plus, with the government announcing its new town locations, where do property experts think the best one will be.And, there are rumblings in the finance world over private credit, with the Bank of England among those warning about what’s been dubbed shadow banking. What’s going on, could it trigger a financial crisis and should you be worried?Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us [email protected] us  020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.

There's just a week to go until the end of the tax year and if you haven't sorted your Isa, pension or the rest of your finances it's time to get your skates on.On this episode, Georgie Frost, Helen Crane and Simon Lambert discuss the important things you need to think about before 5 April... and ideally right now.From how your Isa allowance works, to parking cash and drip-feeding it, and why a pension can not only boost your retirement savings but also cut your tax bill, they explain what you need to know.And Simon has some extra tips on how to use as much of your Isa or pension allowance as possible, even if you don't have the ready cash.Also on this week's episode, what on earth is going on at NS&I and will it have to pay millions on compensation, how to become a tradesperson on a six figure salary, will interest rates really rise four times this year, and finally, what are the food items that have rocketed the most in price.Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us [email protected] us  020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.

Isa season is in full swing as savers and investors race to beat the clock to fill up their allowance - but where are people putting their money?Simon Lambert, Lee Boyce and Georgie Frost take a look and reveal stocks and shares Isa bestsellers of 2026. And even before the current markets turmoil caused by the Iran conflict, Lee reveals just how much is pouring into cash.There are fresh warnings sounded over Britain's midlife pensions crisis - but it's not too late to build a healthy retirement pot. We reveal how and some of the rules of thumb it is worth remembering when it comes to building your nest egg.McDonald's launches trading cards with selected meals - and some of the rarest are already listed on eBay for HUGE sums. Lee does a live opening of three packs... can he bag a £10,000 gold Ronald card?And just what is the fastest way to make £10,000? Five experts - including Simon - have been given £500 each to put into betting, crypto, stocks, furniture and Vinted, alongside a share-picking monkey with a pin. Who will come out on top?Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us [email protected] us  020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.

Mortgage rates have shot up this week as the impact of the conflict with Iran for inflation and interest rates sinks in.Banks and building societies have been racing to raise their fixed rates - with some even pushing them up twice in the space of a few days.It comes in response to a sudden switch around in expectations for the Bank of England base rate, but will this flurry of hikes continue or are the concerns overdone.On this episode of the This is Money Podcast, Georgie Frost, Helen Crane and Simon Lambert look at what's going on in the mortgage market - and what you can do about it if you are buying a home or need to remortgage.Plus, Simon has broken with the habit of a lifetime and actually fixed his energy bills for once. He explains why you should too - and how there are still potentially price cap-beating or matching deals out there.Helen outlines the nine biggest mistakes you can make with your pension - and what they could cost you.And finally, if you have a Nationwide current account and are hopefully in line for some free money from Fairer Share, this is what you must do in the next two weeks.Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us [email protected] us  020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.

In the past week, news headlines have been dominated by the conflict in the Middle East. It has pushed up oil and gas prices, and as such, concerns over our household finances in Britain.Georgie Frost, Lee Boyce and Helen Crane discuss what the conflict means for investors, mortgage rates, price at the petrol pumps and energy bills - is there anything you can realistically do to keep a lid on the potential for runaway inflation?With the potential for inflation to spike, does that spell the end of a 'nailed on' base rate cut and what are your rights if you have a holiday or flight booked which is hit by the disruption? We also saw the Chancellor deliver the Spring Statement on Tuesday - growth downgraded, unemployment up and predictions house prices will rise by more than £40,000 between now and 2031. But with events in the Middle East, are the OBR predictions wildly out-of-date already?There is now more than £1trillion held in tax-free Isas. With a month to go until the end of the tax-year, thee has been a number of top deals launched - but are they worth opening?Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us [email protected] us  020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.

The flying Footsie is on course for the best start to the year since 1998 and driving it are 20 stocks that have risen by 50% or more in the past year.Simon Lambert, Lee Boyce and Georgie Frost discuss what's going on for the flagship UK index and whether the run can continue.They also zoom in on Rolls Royce... its shares have soared by more than a thousand per cent in five years. Is it too late to join the party? When it comes to Junior Isas, many parents worry that once their children get access, they'll fritter it away - but is that really the case? New analysis suggests not.And NS&I has cut the underlying rate on its Premium Bonds to 3.3%. Is it time to move your money?The Government is rolling out the next phase of making tax digital which will require some to file quarterly - is expensive chaos on the way?Lastly, can you save money with an EV versus a petrol equivalent? Or does the maths simply not add up?Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us [email protected] us  020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.

Pensions are a topic that dominate the financial landscape and for the past decade This is Money readers have had Sir Steve Webb on hand to answer their questions.A former pensions minister, Steve has been our weekly columnist for ten years and helped guide people through the maze of retirement finances.On this episode of the This is Money Podcast, Steve joins Georgie Frost and Simon Lambert to talk about what's happened over those ten years and discuss what you need to know about pensions.Whether they've been about saving for retirement, turning a pension into income, working out what the quirks of the state pension mean for you and much more, Steve has both helped the readers asking the question and the millions who have read the answers.Aided by This is Money's pension and investing editor, Tanya Jefferies, Steve has also undertaken campaigning journalism, exposing among other things the underpaid women's state pension scandal, which got us a mention in parliamentary reports.Also on this week's show, Simon reveals how to strike the best deal on a new car with the help of our industry insiders who know how much the salesman or woman will really knock off.Plus, if you get an inheritance you don't need, can you pass it on with incurring an inheritance tax liability yourself?And finally, just how good is Barclays' seemingly generous offer to pay you £1,000 for switching... and who exactly can get it?Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us [email protected] us  020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.