In this episode Sally and Ruth chat about retirement from their own perspectives  - Sally as someone in the midst of thinking about future options and Ruth with retirement less than 10 years away.  They discuss how attitudes to retirement have changed in the last 40 years, unpack state, occupational and personal pensions, and offer practical advice on the emotional and financial planning that people of all ages can do to prepare for a financially secure and happy retirement.

Resources mentioned in this episode

Joseph Rowntree Foundation Poverty Report https://www.jrf.org.uk/report/uk-poverty-2019-20

Stats on auto enrolment: https://www.nestinsight.org.uk/the-real-impact-of-phased-auto-enrolment-contribution-increases/

HMRC pension and NI calculations can be accessed here:

https://www.gov.uk/check-state-pension

https://www.gov.uk/guidance/hmrc-tools-and-calculators

NB you’ll need a Government Gateway account/login.

Which retirement income calculator: https://www.which.co.uk/money/pensions-and-retirement/starting-to-plan-your-retirement/how-much-will-you-need-to-retire-atu0z9k0lw3p

Two additional retirement income calculators from pension providers:

https://www.pensionbee.com/pension-calculator  https://www.aviva.co.uk/retirement/tools/my-retirement-planner/

Your Retirement Salary (Dyson and Evans 2019) 

https://uk.bookshop.org/books/your-retirement-salary-how-to-use-your-lifetime-of-pension-savings-to-pay-yourself-an-income-in-your-retirement/9780857195678

A long read….but gives an overview of retirement attitudes and trends https://www.ifs.org.uk/uploads/Retirement-expectations-attitudes-and-saving-behaviour-how-have-these-changed-during-a-decade-of-pension-reforms-BN273.pdf

Money Advice Service:

https://www.moneyadviceservice.org.uk/en

Pension Tracing Service:

https://www.gov.uk/find-pension-contact-details

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