BONUS EPISODE: "I put my money where my mouth is"

In this bonus episode, we hear from PensionBee customer Sally as she shares her pension story. From decades of putting money into living over saving, and losing her husband suddenly in his 40s, to retirement in her 60s and choosing a pension plan that truly reflects her values.

We unpack Sally's pension journey with pensions expert Veronica Morozova from PensionBee, covering:

why financially literate people still don't save; how emotional barriers can be a bigger obstacle than lack of information; the tax benefits of saving into a pension; and what values-based investing actually means in practice.

Episode breakdown 00:39 Meet Sally

02:48 'Present bias' and money

06:10 Tax efficiency in retirement

10:11 Values-based investing

Further reading To learn more about the topics discussed in this bonus episode, check out these articles from PensionBee:

Climate Plan (Web) What do heatwaves have to do with your pension? (Blog) What is a crystallised pension? (Article) What is flexi-access drawdown? (Article) Why reaching net zero is cheaper than doing nothing and what it could mean for your pension (Blog)

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)

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