The latest Retirement Living Standards report suggests millions of people across the UK could be under-saving for retirement.

In this episode, Nick breaks down the latest findings, explores what a minimum, moderate and comfortable retirement actually costs in 2025, and discusses why so many people may be underestimating both how much they need and how long their money needs to last.

Nick also shares his thoughts on auto-enrolment, the challenges facing self-employed savers, why pensions can feel like "just another tax" when you're younger, and the milestone that can completely change how you view retirement saving.

If you've ever wondered whether you're saving enough, or what retirement might realistically cost, this episode provides a practical starting point.

Following on from last week's episode, Pension Truths I Couldn't Explain On The Martin Lewis Show, Nick returns to answer some of the biggest pension and retirement questions submitted after the broadcast.

With thousands of questions sent into the Martin Lewis Money Show Live, there simply wasn't enough time to cover everything properly on air.

In this follow-up episode, Nick explores:

• How much should you really pay into your pension?
• Should you consolidate old pension pots?
• Can you boost your State Pension?
• When can you realistically retire?
• Workplace pension vs SIPP explained simply
• What happens to your pension when you die?

Nick also discusses the emotional side of retirement planning, including fear of running out of money, avoiding irreversible mistakes, and the confusion caused by financial jargon.

A practical continuation of last week's Martin Lewis special designed to help listeners make clearer, more confident retirement decisions.

This week, Nick reflects on his appearance on the Martin Lewis Money Show Live and shares the pension conversations he didn't have time to fully explain on air.

With only short, concise answers possible during the live ITV broadcast, this episode dives deeper into three of the biggest pension mistakes Nick regularly sees people make approaching retirement.

A practical and thought-provoking episode for anyone approaching retirement or trying to make more confident pension decisions.

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Most people spend years focusing on how to build their pension. Far fewer spend time thinking about how to turn that pension into an income that lasts.

In this episode, Nick is joined by Joanne Coan from L&G to explore one of the most important and often most overlooked, parts of retirement planning: decumulation.

It's a practical, thoughtful conversation for anyone approaching retirement and wondering how to make their money last.

Most people think a dementia diagnosis means life has to become smaller.

In this episode, Nick is joined by Fiona Pettit, who leads Dementia Adventure, a charity helping people with dementia and their carers stay connected to the outdoors, to nature, and to a sense of possibility.

They explore:

• Why dementia can make the world feel smaller.
• How outdoor experiences can support wellbeing, confidence and connection.
• The role of carers, and why support matters for them too.
• How shared experiences can still create joy, laughter and meaningful memories.
• Why life doesn't have to stop after a diagnosis.

It's a thoughtful conversation about dementia, care, and the importance of remembering what is still possible.

To find out more about Dementia Adventure or support their work, visit: https://dementiaadventure.org/

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Power of Attorney is something many clients have in place, but how well is it really understood?

In this episode, Nick sits down with solicitor Anne Call from Blandy & Blandy Soliccitors to explore the key differences between older and newer Powers of Attorney, where things can go wrong, and what advisers should be aware of when supporting clients through these decisions.

This episode is part of our Educational Series, designed to break down the practical considerations around later-life planning, from Powers of Attorney to wills and beyond.

Together, they discuss:

• How older arrangements can create challenges at the point they're needed most
• The differences between financial and health & welfare decisions
• Why timing and structure matter more than most people realise

A calm, practical conversation to help you better understand the realities clients may face, and where advice can make a difference.

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With headlines dominated by geopolitical tension and dramatic market reporting, it can feel like markets are in constant crisis.

But are they really?

In this short "in-between" episode of The Retirement Lounge, Nick takes a step back from the noise and examines how headlines can distort reality.

After seeing reports claiming "$6 trillion wiped off global markets", Nick looks at the actual numbers and asks an important question: are markets really plunging, or are we simply reacting to short-term headlines?

If the news cycle has left you feeling uneasy about markets, this episode offers a much-needed dose of perspective.

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After nearly a year of The Retirement Lounge, Nick introduces a new Educational Series, designed to simplify financial concepts that are often misunderstood.

In this first instalment, he tackles one of the most confused terms in investing:

What's the difference between risk and volatility?

They're often used interchangeably, by investors, the media, even regulators. But they are not the same thing.

If you've ever felt uneasy during market falls, this episode will help you understand whether you're facing real danger, or just temporary noise.

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Most retirement conversations focus on what you should be doing.

In this episode, Nick flips the script.

He shares the most common and costly mistakes people make before and during retirement.

Nick also explains why small oversights from pension charges to outdated nomination forms, can have a significant long-term impact.

If you're approaching retirement (or already there), this episode is a practical checklist of what not to ignore.

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One of the most common questions Nick is asked as a financial planner is: Should you consolidate your pensions?

In this episode of The Retirement Lounge, Nick walks through the pros and cons of pension consolidation, helping you understand when it can make sense and when it could be a costly mistake.

This episode isn't advice, but it will help you ask better questions and understand what to look out for before taking action.

Listen now to decide whether pension consolidation could be right for you and when professional advice really matters.

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