We all know pensions are important but most of us rarely engage with them.

Yet, with a little bit of time and effort, you can get your work pension working as hard as possible for you - and at some point in the future you will be very glad you did so.

On this episode of the This is Money podcast, Georgie Frost, Lee Boyce and Simon Lambert talk pensions: why you should start early, the reason that it involves free money, how to invest for a richer retirement many years down the line and much more.

Also on the agenda, what happens if you get stuck in a mortgage with your ex, why is Lee so annoyed at a sneaky insurance tax that swiftly adds up and can M&S's sales and share price resurgence continue?

And finally, listen to the end if you want to find out where Lee buys his socks and Georgie gets her underwear.