The principle behind the state pension is simple: that most people will get a regular payment from the government to help fund their retirement once they reach a certain age. But the decisions that need to be made about its future are more complicated.

In the third episode of our four-part podcast series, we look at what determines the amount of state pension you get and how you could boost your payments - plus how the growing cost to the government could change the way the system works in future.

Which? Money editor Jenny Ross is joined by experts from across the industry, as well as people at different stages of retirement planning.

The final episode in the series will be released next Monday.

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