Making Money Will the State Pension Be There When You Retire?
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Mar 23, 2026 Al Miles, an investment actuary who models pension systems, explains why millions of UK workers face retirement shortfalls. She outlines who is most at risk and why late starts, part-time work and opt-outs matter. The conversation explores reforms, Iceland-style guarantees, household saving ideas and political hurdles to fixing pensions.
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Hosts Push For Costed Pension Solutions
- Damien Jordan and Timeyin Akerele previewed Al Miles' work, praising costed solutions over vague proposals.
- They promised to end on a constructive note, reflecting audience appetite for practical proposals.
Getting A Friend Back Into A Pension Changed His Financial Life
- Damien recounts persuading his friend Will to rejoin his workplace pension after Will had proudly opted out.
- The anecdote illustrates how simple behaviour changes can restore long-term financial security.
Make Pensions Flexible With Linked Short-Term Savings
- Link short-term accessible savings to long-term pensions to attract self-employed and flexible workers.
- Use sidecar savings or tax-return prefilled pension contribution boxes to nudge contributions.