Tax. It’s something we all pay, but few of us truly understand much about this large deduction from our earnings. In this first of two bite-sized episodes, our host Iona Bain sits down with accountant and finance content creator Tim Paul to shed some light on how it works.

Tim explains how you can reduce your tax bill through clever tools like salary sacrifice and pension contributions, putting more of your hard-earned money to good use while still playing by the rules.

If you’ve ever wondered whether you making the most of tax-free benefits through your employer, this episode will leave you feeling a little bit richer and a lot more tax-savvy.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Follow Tim Paul on Instagram

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

The information in this episode is correct when published in October 2025. However if you’re listening at a later date, please double check as there may have been changes.

See omnystudio.com/listener for privacy information.

If you’ve ever changed jobs, chances are you’ve collected a few different pension pots along the way. Did you know bringing them together is easy and could save you money and time in the long term?

In this episode, our host Iona Bain is joined by Mike Crossley, Head of Workplace Pension Consolidation at L&G, to demystify the process of consolidation.

Together, they tackle the big questions: How easy is it to do? Could lower fees and clearer tracking of your savings make it worthwhile? How do you know if this is the best thing for you to do? Do you need an expert to help?

Mike explains how pension transfers work (often faster and simpler than you might think), the potential long-term benefits, and the key safeguards designed to protect savers.

Whether you’ve got £200 or £200,000 saved, this episode will help you take control of your retirement planning and maybe reduce your future life admin too.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

See omnystudio.com/listener for privacy information.

Is your mortgage deal coming to an end soon? Or maybe you’re not tied in and could check if there’s something better out there?

Hopefully this episode will help save you some money. Our host Iona Bain is joined by friend of the show Sarah Tucker, aka The Mortgage Mum, to demystify the world of remortgaging.

Together, they unpack what remortgaging really means, why it matters more than ever in today’s market, and the pros and cons of fixing versus tracking your rate. You’ll hear how life changes like moving home, starting a family, or changing jobs can shape your options, and get practical tips on the costly mistakes and how to avoid them.

Whether you’re looking for certainty, flexibility, or simply the best deal, this episode will give you the tools to feel more informed, confident, and in control of your mortgage decisions.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Follow The Mortgage Mum on Instagram

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

See omnystudio.com/listener for privacy information.

What is the one thing splitting our generation? It shapes our future, divides us from friends and maybe even matters more than a university degree.

In this episode, our host Iona Bain is joined by historian and generational expert Dr. Eliza Filby to explore the rise of the “inheritocracy” - a world where the Bank of Mum and Dad increasingly decides who gets ahead.

They unpack how family wealth shapes education, housing, childcare, and even relationships, and what this means for millennials and Gen Z. From the great wealth transfer to shifting attitudes around inheritance, Eliza shares insights from her new book and offers practical advice for those who don’t have parental support to fall back on.

Whether you have the support of Mum and Dad or not, it’s important to understand the economic differences that it creates along with some guidance on what you can do if you’re not in this position.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Follow Dr. Eliza Filby on Instagram.

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

See omnystudio.com/listener for privacy information.

What will give you a stronger financial future? Buying a home or putting extra into your pension so you have enough to retire one day. With high property prices and changing retirement plans, millennials and Gen Z face a tricky financial dilemma.

In this episode, Iona Bain sits down with Claer Barrett, Consumer Editor at the Financial Times and host of the Money Clinic podcast, to unpack the debate around investing in a property and building a good pension pot.

They explore why home ownership feels like the top priority for many and the benefit longer term of putting more money into your pension. Claer also shares practical insights on mortgage terms, overpayments, workplace pension contributions and the power of starting early.

Whether you’re dreaming of your own home, being mortgage free or a retirement filled with treats, this conversation offers clarity, encouragement and steps to make your money work harder for your future self.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Follow Claer Barrett on Instagram.

You can find information on the Retirement Living Standards here:

Home - Pensions UK - Retirement Living Standards

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

See omnystudio.com/listener for privacy information.

Buying a home is one of life’s biggest financial and emotional milestones, but it can also feel overwhelming. From deposits and legal fees to mortgage rates and market changes, there’s a lot to consider before you get the keys.

In this episode, our host Iona Bain sits down with Sarah Tucker, mortgage expert and founder and CEO of The Mortgage Mum, to break down the home buying journey step-by-step and what it all might cost.

With recent changes to Stamp Duty and mortgage lending, Sarah shares her expert insights on the housing market. Together they cover the stages, typical costs, common pitfalls and the emotional rollercoaster of a homebuyer’s journey.

Whether you’re a first-time buyer or looking to move, this episode is packed with practical advice and reassurance and your ultimate guide to making calm, confident, informed decisions for your next move.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Follow The Mortgage Mum on Instagram

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

See omnystudio.com/listener for privacy information.

Around 1 in 5 people in the UK are neurodivergent, but it often doesn’t get discussed enough when it comes to personal finance.

In this episode, our host Iona Bain speaks with accountant and behavioural finance expert Krystle McGilvery about the often-overlooked link between neurodiversity and money. Krystle shares her personal experience of living with ADHD and dyslexia, and how these conditions impact her financial habits.

From budgeting struggles to impulsive spending and long-term planning challenges, together they explore how emotional regulation, executive function, and financial systems all intersect.

Get ready for some empowering strategies to help take control of your financial future, whether you’re navigating your own neurodivergence or supporting someone who is.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Follow Krystle on Instagram

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

See omnystudio.com/listener for privacy information.

There’s been lots in the news about workplace pensions recently.

In this episode, our host lona Bain is joined by L&G's CEO of DC and workplace savings, Paula Llewellyn. They unpack changes in the pipeline and what you can do to help your pension savings grow.

From the government’s push to simplify pensions and tackle the issue of multiple small pots, to a change which could see more of your money invested in UK companies and private markets, they explore how these reforms could help your financial future. Paula explains auto-enrolment, opportunities to increase saving into your pension and why this will make such a difference in the long run.

Whether you’ve just started your career or are years into working life, this episode is packed with helpful advice to help you get a little bit richer in retirement.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

See omnystudio.com/listener for privacy information.