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Which? Money podcast: how to make sure your pension is retirement ready

Why it’s important to keep on top of your pots
James RoweSenior Video and Audio Content Creator

Having previously worked at the BBC and in commercial radio before joining Which?, James produces our always-on podcasts, and oversaw the launch of our member-exclusive podcasts in 2025.

A man stands in front of a wall filled with colorful vinyl record covers.

New data suggests that more than two thirds of Generation X - those aged between 45 and 60 - are not on track to have enough money for retirement. But how do you work out how much you'll need, and how can boost the amount you're saving?

In this episode, Lucia Ariano is joined by Which? Money pensions expert Paul Davies and Director of Public Policy at AJ Bell, Tom Selby, to discuss how much we need to put into our pensions each month, the importance of monitoring our pots, and how employer contributions and tax relief boost our savings.

What is the Which? Money podcast?

The Which? Money podcast offers weekly advice to help you get on top of your bills and tackles the issues hitting your pocket, from spiralling energy costs to your weekly food shop.

Check your annuity options

Speak to HUB Financial Solutions to help you compare the options available across the whole market.

Find out more

If you take out an annuity as a result of using the service from HUB Financial Solutions, Which? will earn a commission to help fund its not-for-profit mission.

How to listen to the Which? Money podcast

We’ll bring you new episodes of the Which? Money podcast each Friday, with the podcast also available wherever you usually listen.

Subscribe using one of the links below, or click this link on your mobile to find us in your favourite podcast app.

A transcript of the show is also available here.

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About Us

Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665  and is an Introducer Appointed Representative (FRN 610689) of the following:


1. Inspop.com Ltd for the introduction of non-investment motor, home and travel insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, and travel insurance products (FRN310635). Inspop.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel insurance products (FRN310635) and is registered in England and Wales to Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd. 


2. LifeSearch Partners Limited (FRN656479), for the introduction of Pure Protection Contracts and Private Health Insurance, who are authorised and regulated by the FCA to provide advice and arrange Pure Protection Contracts and Private Health Insurance Contracts.  LifeSearch Partners Ltd is registered in England and Wales to 3000a Parkway, Whiteley, Hampshire, PO15 7FX, company number 03412386.


3. HUB Financial Solutions, for the introduction of equity release advice and an annuity comparison service, who are authorised and regulated by the Financial Conduct Authority (‘FCA’) to provide advice and guidance on financial products for those who have retired or are approaching retirement (FCA Firm Reference Number: 455713). HUB Financial Solutions is registered in England and Wales to Enterprise House, Bancroft Road, Reigate, Surrey RH12 7RP, company number 05125701.


4. Alan Boswell Insurance Brokers Ltd (FRN 301), for the introduction of non-investment landlord insurances, who are authorised and regulated by the Financial Conduct Authority to provide advice and arrange insurance contracts. Alan Boswell insurance brokers Ltd is registered in England at Prospect House, Rouen Rd, Norwich NR1 1RE, company number 02591252.


5.Stickee Technology Limited for the introduction of non-investment pet insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to arrange non-investment pet insurance products (FRN916665). Stickee Technology Ltd is authorised and regulated by the Financial Conduct Authority (FCA)  in England and Wales; 3rd floor, 1 Ashley Road, Altrincham, Cheshire, UK WA14 2DT Registered company number 06711740


6. Travel Insurance Facilities Plc (FRN306537), for the introduction of travel insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to arrange non-investment insurance contracts. Registered in England under company number 3220410 at Suite 12, 20 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU.

 

Other financial services:


Mortgage service provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath BA2 3GZ. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.


We do not make, nor do we seek to make, any recommendations or personalised advice on financial products or services that are regulated by the FCA, as we’re not regulated or authorised by the FCA to advise you in this way. In some cases, however, we have included links to regulated brands or providers with whom we have a commercial relationship and, if you choose to, you can buy a product from our commercial partners. 


If you go ahead and buy a product using our link, we will receive a commission to help fund our not-for-profit mission and our campaigns work as a champion for the UK consumer. Please note that a link alone does not constitute an endorsement by Which?.