After the popular 'How much do I need to retire' episode, the team really drill down into the numbers and discover that many people are cruising towards difficult retirements. 

The website, Retirement Living Standards, says a single person requires £23,300 for a 'moderate' retirement.

But the average person will receive just £12,800 a year based on the latest stats. And there are some scary figures linked to self-employed people. This pod is a must-listen for anyone with a pension.

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Rachael Bell is a financial adviser and financial consultant offering investment advice

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