In this mini episode of The Full-Time Function Musician Podcast, we dive into a topic many self-employed musicians tend to overlook—retirement planning. We explore why pensions are so important for freelancers and how to start preparing now, even if money is tight. From Stocks & Shares ISAs to Lifetime ISAs and SIPPs, we share our personal approaches to saving for the future. We also break down simple strategies, recommend useful podcasts and books, and explain how small financial habits can lead to big long-term gains through the power of compound interest. Whether you're in your 20s or 40s, this episode is a must-listen for any musician looking to build lasting financial security.

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