A Little Bit Richer

There are so many ways for debt to build up, but when might it become a problem and what can you do about this? We’re unpacking the not so obvious warning signs of debt being out of control and the impact it can have. In this episode of A Little Bit Richer, host Iona Bain is joined by Vikki Brownridge from debt charity, Step Change. Together they discuss how easy it is to get into debt, the impact it has on your credit score, how to manage it and recognising when it is becoming a problem. Plus advice on what to do if you are in financial difficulty and struggling. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer For free debt advice and support, visit Step Change: https://www.stepchange.org/ Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on…

When was the last time you properly looked at your bank statements or payslips? They often reveal far more about you than you might think. Your habits, good and bad, and even how likely you are to build wealth. In this episode of A Little Bit Richer, our host Iona Bain is joined by financial content creator Gabriel Nussbaum, aka That Money Guy. With a 1.5 million followers across social media, Gabriel teaches people all about money, how to be better with it, and how to grow it. He shares the five key indicators that show if someone is on track for a strong financial future. Plus, some great tips on how to keep a lid on emotional spending. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Gabriel Nussbaum on TikTok, Instagram & YouTube Iona and her guests share their own personal thoughts and opinions in this…

Are you making the most of the benefits your employer is offering? Most of us go straight to the salary when eyeing up a role, but many of us don’t know all the valuable employee benefits available, or even what they’re legally entitled to. Be it extra employer pension contributions, private healthcare, discount vouchers or loans for equipment, there might be more on offer than you realise. In this episode of A Little Bit Richer, host Iona Bain sits down with Jodie Greenway from L&G's benefits team to discuss everything from salary sacrifice and tax-efficient bonuses, to nap-pods and ‘get-ready-rooms’, and why your pension is still likely the most valuable perk you'll ever be offered. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this podcast. These…

How much time and money should you invest in being healthy? With so much noise and choice out there, it’s easy to forget the fundamentals of a healthy and balanced lifestyle. We’re unpacking the key areas to prioritise and help protect our health and wellness now and in the future. In this episode of A Little Bit Richer, host Iona Bain is joined by GP, health educator and presenter Dr Tosin. Best known for her work on the BBC's Operation Ouch, Dr Tosin joins Iona to explore what it really means to invest in your health. From nutrition and exercise to rest and recovery, they discuss the everyday choices that can have a long-lasting impact on our health and wellbeing. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Check out Dr Tosin on https://www.instagram.com/drtosinofficial Iona and her guests share their own personal…

With scams rising at an alarming rate and AI giving fraudsters unlimited new ways, it’s getting harder and harder to recognise what’s real. Stats show 18-34 year olds are twice as likely to be targeted as older people. So knowing how to recognise new methods, protect yourself and spot the red flags has never been more important. In this episode of A Little Bit Richer, our host Iona Bain is joined by Harleen Nottay, presenter and reporter on the BBC’s award winning Scam Interceptors. Harleen shares some eye-opening stats and facts, practical advice and simple steps that will help you protect everything you've worked so hard to build. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Check out Harleen on https://www.instagram.com/harleennottay Iona and her guests share their own personal thoughts and opinions in this…

What age did you learn about money and how has it shaped your relationship with it now? Research suggests that core money habits are often set by age 7, which means the conversations we have with children today could shape their entire financial future. So how do we make sure those conversations are happening in a way that's age appropriate, engaging and actually sticks? In this episode of A Little Bit Richer, our host Iona Bain is joined by Leon Ward from financial education charity, Money Ready. Leon breaks down the simple, practical and highly effective ways to get children engaged with money from an early age, helping to build the financial foundations that will shape their future. Plus, he explains why financial literacy is one of the most important gifts we can give a child, and why starting early makes all the difference. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website:…

How much money would you need to feel financially free? It’s a tricky question to answer for many and understandably. If we haven’t sat down to work out what financial freedom means to us, how can we ever know what it will take to get there? We all want to have a strong financial future and live life on our own terms, but what does that look like in practice? And how can we do it faster? In this episode of A Little Bit Richer, our host Iona Bain is joined by financial content creator Sammie Ellard-King, known across social media as Up the Gains. He’s helping people get financially fit with his podcast, The Money Gains and his Gains app. Together they explore ways to help work out what financial freedom means to you, how to figure out your ‘number’ and the habits and steps you can make to close the gap between where you currently are and where you want to be. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful…

Self-worth and financial worth are interlinked, yet many of us don’t prioritise this. Your personal growth is your biggest asset. By regularly investing in you and your development, you will likely see some serious returns in your earning potential. In this episode of A Little Bit Richer, our host Iona Bain is joined by Amy Kean - Founder of Good Shout - a learning and development company helping people communicate with confidence. Amy explains how we should all be continually learning and investing in ourselves - as well as finding ways to boost our confidence and let our unique and authentic voice be heard. This increase in self-worth matters way more to your bank balance than you might think. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Check out Amy Kean and Good Shout here Iona and her guests share their own…

We all have to do life admin, but some tasks feel far heavier than others. And so, many of us avoid doing them altogether. Whether it’s having an up-to-date Will, nominating your pension beneficiaries, or figuring out who you’d want to act on your behalf if something were to happen, this is the kind of life or death admin many of us run from - until we can’t! In this episode of A Little Bit Richer, our host Iona Bain is joined by Mike Hiner, who’s an estate planner from Strategic Asset Protection. Together they discuss the practical steps, common misconceptions and the small actions you can take now that will make a huge difference for the people you would leave behind. From choosing who you’d like to benefit from any cherished possessions and savings to ensuring the paperwork is legally binding - we are making the conversation around this important admin feel a little less overwhelming. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the…

How does your attitude towards money affect your current finances and shape your long-term financial wellbeing? And where does this mindset come from? From your spending and saving habits to how much you can earn and what you think you’re worth. It has all been quietly shaped by your family, your upbringing and your friends. All the little messages you were absorbing without even realising have played a part in shaping your attitude towards finances or money script. And it ultimately shapes your future financial wellbeing. In this episode of A Little Bit Richer, our host Iona Bain is joined by Selina Flavius, Financial Coach and Author of Black Girl Finance. Selina went from having a huge fear around money and debt, to shifting her attitude and allowing herself to thrive financially. Together they delve into the different money scripts we have, the behaviours they encourage and how we might want to re-write them if they’re not serving us. You can watch episodes on L&G’s YouTube channel And see behind the…

Parenthood changes everything- including your bank balance. With shifts in your income, sleep deprivation and little ones to care for, how do you make sure your money is working as hard as you are? From parental leave rights and pension gaps to childcare costs and budgeting on a tighter income, the financial side of starting a family can feel overwhelming. But it doesn't have to. In this episode of A Little Bit Richer, our host Iona Bain is joined by Katie Guild, mum and co-founder of Nugget Savings - the online financial community, offering membership, masterclasses and the tools to help parents forecast and plan whilst navigating their money and their rights Together they explore all the financial aspects of starting and raising a family, childcare support and ways to thrive while balancing it all. So whether you're thinking about starting a family, already expecting or in the thick of those early years- this one's for you. You can watch episodes on L&G’s YouTube channel And see behind the scenes content…

Buying a car used to be relatively simple. But with so many options and ways to buy nowadays, it can be tough to know which option is best and what you’re actually signing up for. With approximately 80% of new cars in the UK now bought on finance, it’s a decision millions of people are making, often without fully understanding the options and the impact on their long-term finances. In this episode of A Little Bit Richer, our host Iona Bain is joined by Stuart Masson, founder of The Car Expert. Stuart unpacks the economics of car ownership and shares lots of knowledge to help you understand the fine print behind car buying and how choosing the wrong option now can impact your future finances. From HP, to PCP, to taking out a personal loan, Stuart breaks down what the different finance options actually mean, the hidden costs to watch out for, and how to decide what is best for you. So if you’ve been considering a new set of wheels, this episode will help you better understand all the ways you can pay for it…

If you think pensions are complex and something to put off for another day, then this episode is probably for you. In this episode of A Little Bit Richer, our host Iona Bain is joined by Tom Trennery from the Workplace Pensions team at L&G to recap the basics. Tom highlights how the choices we make about our pension savings now will impact the life we can live in later years. Tom breaks down why your workplace pension might actually be one of the easiest (and smartest) ways to build long-term wealth. And together, they unpack how it all works, from your contributions, your employer’s top ups (aka “free money”) and why tax perks make workplace pensions so powerful. If you’ve not taken much notice of your workplace pension, this episode will help you feel more in control. Tom shares practical tips to help you boost your pension pot over time, without too much of an impact on your current lifestyle - and ultimately reminds us that making smart moves today will help you have the life you want tomorrow. You can…

What does your future financial self really need from you today? In this episode of A Little Bit Richer, our host Iona Bain is joined by financial educator and content creator Tolu Frimpong to explore the powerful (and often overlooked) relationship between your present-day decisions and your longer-term wealth. Tolu shares the real-life choices and mindset shifts that transformed her relationship with money. And together, they unpack being stuck in “survival mode” with finances, why you can’t afford not to invest in your future and how your identity shapes your financial outcomes. If you’ve ever told yourself “I’ll start saving later” or “I just don’t have enough,” this episode will challenge that thinking and give you practical ways to start showing up for your future self today and make that life a little bit richer. Because whether you plan for it or not… your future is coming. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the…

In part two of our investing special on A Little Bit Richer, Iona Bain is back with financial educator and founder of Vestpod, Emilie Bellet. Together they unpack the practical side of investing from building a balanced portfolio to understanding risk, diversification and the difference between passive and active investing. They talk about a good mindset, why spreading your money across a range of investments matters, and Emilie shares a simple habit that can help you build wealth over time. So if you’d like to be more active with investing, this episode will give you a roadmap. If you missed part one, go back and listen to their chat on the foundations of investing – ‘Why playing it safe with money can be risky’. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Emilie on Instagram Just a reminder that investments…

In this first part of a two-episode investing special on A Little Bit Richer, our host Iona Bain sits down with financial educator and founder of Vestpod, Emilie Bellet, to explore the foundations of investing. Emilie and Iona talk through the differences between saving and investing and offer some tips for those who’re keen to build their longer term wealth. They delve into the emotional side of investing and how fear, greed, FOMO and panic can all influence our decisions, often at the worst possible moments. Emilie shares some of her early mistakes with tips on keeping calm in chaotic markets. Then they discuss balancing short-term goals with long-term investing. Whether you’re already investing, thinking about starting, or currently sitting on the sidelines, this episode will help you understand the mindset behind successful investing and why even small steps can make a meaningful difference, helping you be a little bit richer in the future. Stay tuned for Part Two where we’ll get practical on ways to…

With new ISA changes announced in the Autumn Budget and updates to cash ISA limits on the horizon, now is the perfect time to get clear on how these powerful, tax-efficient savings and investment tools can help you build long-term financial confidence. In this episode of A Little Bit Richer, our host Iona Bain is joined by Paula Hughes from L&G to demystify the world of ISAs and help you understand how they can work for you at every stage of life. Together, they explore the different types of ISAs available and how to choose the best one for you. They also discuss the “use it or lose it” rule and what the upcoming changes could mean for savers and investors. So whether you’re saving for your first home, building long-term wealth, or simply trying to protect your money from inflation, this episode will help you decide how to make your ISA allowance work harder for you. Because when it comes to tax-efficient growth, the earlier you start, the bigger that snowball can get for a future that’s a little bit…

Being self-employed can be incredibly freeing but financially, it can also feel like a rollercoaster. In this episode of A Little Bit Richer, our host Iona Bain is joined by accountant and behavioural expert Krystal McGilvery to discuss ways to manage money when your income isn’t guaranteed. From cash-flow anxiety and chasing invoices to saving for retirement without an employer pension, Krystal shares practical, no-nonsense tips to help you feel more in control of your finances. Together, they explore how to smooth out irregular income, build a financial buffer and plan for the long term, without sacrificing the freedom and joy that comes with being your own boss. So whether you’re newly self-employed, years into freelancing, or just thinking about taking the leap, this episode is packed with reassurance and clarity to help you build a more stable and sustainable financial future that’s a little bit richer. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and…

Divorce can emotionally, practically and financially turn your world upside down. In this episode of A Little Bit Richer, our host Iona Bain is joined by friend of the show Jenny Hazan to unpack the impact on your finances when a relationship ends and how to protect your future. Drawing on both her professional expertise at L&G and her personal experience of divorce, Jenny explains why separation is often “two break-ups”, how the so-called “singles tax” can hit overnight, and she shares one of the most overlooked areas of divorce that can prevent regret later in life. Whether you’re navigating a divorce, supporting someone who is, or simply want to be better prepared for the future, this episode offers reassurance and practical steps for taking control of your finances one step at a time. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website:…

In our special Book Club episode, we’re starting the year a little differently by digging into the books that can genuinely transform how we think, feel, and behave around money. Because personal finance isn’t just about numbers. It starts with mindset, habits, and our relationship with money. Our host Iona Bain is joined by self-confessed bookworm Sean Philip from L&G’s Workplace Pension team, to explore four powerful reads: The Psychology of Money by Morgan Housel Money Together by Heather and Doug Boneparth Atomic Habits by James Clear The Anxiety Solution by Chloe Brotheridge Together, they unpack the big ideas, uncomfortable truths, and “aha” moments from each book. From why consistency beats luck when building wealth, to how couples can talk about money without conflict, how habits shape financial confidence, and why tackling anxiety is key to making better financial decisions. Whether you’ve read all four books, skimmed the highlights, or haven’t picked them up yet, consider this your guided tour…

Heading into 2026, we’ve lots more episodes to come. We’d love to hear your thoughts. Is there a financial topic you’ve been curious about? A financial challenge you’d like help navigating? Tell us how we can make next year the one where your money goals really take off. Send us a DM or write a comment on our Instagram and TikTok. Leave us a comment on Spotify or write in the review section on Apple Podcasts. You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer You can watch video episodes on L&G’s YouTube channel Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

Celebrate the festive season with Iona Bain as she unwraps the 12 Financial Days of Christmas! A collection of the most practical, inspiring, and feel-good money tips shared on the podcast this year. From smart investing and tackling career change fears to managing debt, boosting your pension, remortgaging with confidence, handling inheritance conversations, and creating passive income, this episode brings together the very best insights from our 2025 guests like Claer Barrett, Rotimi Merriman-Johnson, Dr. Eliza Filby, ‘The Mortgage Mum’ Sarah Tucker, Emmanuel Asuquo and Helen Tupper. These quick tips will help you finish the year strong and step into 2026 feeling financially empowered and hopefully, a little bit richer! You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal…

Saving money feels great in theory… but sticking to it in real life? That’s the tricky part. In this episode of A Little Bit Richer, our host Iona Bain is joined by financial coach Laura Ann Moore to unpack how to gamify your savings and make your money habits stick. With Christmas spending peaking and New Year’s resolutions looming, Laura shares practical ways to keep saving, even when life feels expensive. From reframing your identity as a “saver,” to mastering habit stacking, to using tech, cashback, and clever psychological tricks, this episode is full of empowering tools that you can start using today. Discover how to transform saving into something rewarding, sustainable, and dare we say… fun that will help make you a little bit richer. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can follow Laura Ann Moore on Instagram You can play the podcast and find other useful content on L&G’s website:…

In part two of our tax special, our host Iona Bain and accountant Tim Paul dive deeper into the tax topics that matter most - from side hustles and rental income to tax-free childcare and ISAs. Tim breaks down what the rules really mean, how to stay on the right side of HMRC, and the quick wins that can stop you overpaying tax like checking your tax code, understanding allowances, and making the most of your pension. If you’ve ever wondered how much you can earn tax-free, when you need to declare your extra income, or how to make your savings truly tax-efficient, this is your jargon-free guide to keeping more of what you earn. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Tim Paul on Instagram The information in this episode is correct when published on 13 November 2025. However if you’re listening at a later…

Tax. It’s something we all pay, but few of us truly understand much about this large deduction from our earnings. In this first of two bite-sized episodes, our host Iona Bain sits down with accountant and finance content creator Tim Paul to shed some light on how it works. Tim explains how you can reduce your tax bill through clever tools like salary sacrifice and pension contributions, putting more of your hard-earned money to good use while still playing by the rules. If you’ve ever wondered whether you making the most of tax-free benefits through your employer, this episode will leave you feeling a little bit richer and a lot more tax-savvy. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Tim Paul on Instagram Iona and her guests share their own personal thoughts and opinions in this podcast. These might be…

If you’ve ever changed jobs, chances are you’ve collected a few different pension pots along the way. Did you know bringing them together is easy and could save you money and time in the long term? In this episode, our host Iona Bain is joined by Mike Crossley, Head of Workplace Pension Consolidation at L&G, to demystify the process of consolidation. Together, they tackle the big questions: How easy is it to do? Could lower fees and clearer tracking of your savings make it worthwhile? How do you know if this is the best thing for you to do? Do you need an expert to help? Mike explains how pension transfers work (often faster and simpler than you might think), the potential long-term benefits, and the key safeguards designed to protect savers. Whether you’ve got £200 or £200,000 saved, this episode will help you take control of your retirement planning and maybe reduce your future life admin too. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can…

Is your mortgage deal coming to an end soon? Or maybe you’re not tied in and could check if there’s something better out there? Hopefully this episode will help save you some money. Our host Iona Bain is joined by friend of the show Sarah Tucker, aka The Mortgage Mum, to demystify the world of remortgaging. Together, they unpack what remortgaging really means, why it matters more than ever in today’s market, and the pros and cons of fixing versus tracking your rate. You’ll hear how life changes like moving home, starting a family, or changing jobs can shape your options, and get practical tips on the costly mistakes and how to avoid them. Whether you’re looking for certainty, flexibility, or simply the best deal, this episode will give you the tools to feel more informed, confident, and in control of your mortgage decisions. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website:…

What is the one thing splitting our generation? It shapes our future, divides us from friends and maybe even matters more than a university degree. In this episode, our host Iona Bain is joined by historian and generational expert Dr. Eliza Filby to explore the rise of the “inheritocracy” - a world where the Bank of Mum and Dad increasingly decides who gets ahead. They unpack how family wealth shapes education, housing, childcare, and even relationships, and what this means for millennials and Gen Z. From the great wealth transfer to shifting attitudes around inheritance, Eliza shares insights from her new book and offers practical advice for those who don’t have parental support to fall back on. Whether you have the support of Mum and Dad or not, it’s important to understand the economic differences that it creates along with some guidance on what you can do if you’re not in this position. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play…

What will give you a stronger financial future? Buying a home or putting extra into your pension so you have enough to retire one day. With high property prices and changing retirement plans, millennials and Gen Z face a tricky financial dilemma. In this episode, Iona Bain sits down with Claer Barrett, Consumer Editor at the Financial Times and host of the Money Clinic podcast, to unpack the debate around investing in a property and building a good pension pot. They explore why home ownership feels like the top priority for many and the benefit longer term of putting more money into your pension. Claer also shares practical insights on mortgage terms, overpayments, workplace pension contributions and the power of starting early. Whether you’re dreaming of your own home, being mortgage free or a retirement filled with treats, this conversation offers clarity, encouragement and steps to make your money work harder for your future self. You can watch episodes on L&G’s YouTube channel And see behind the scenes…

Buying a home is one of life’s biggest financial and emotional milestones, but it can also feel overwhelming. From deposits and legal fees to mortgage rates and market changes, there’s a lot to consider before you get the keys. In this episode, our host Iona Bain sits down with Sarah Tucker, mortgage expert and founder and CEO of The Mortgage Mum, to break down the home buying journey step-by-step and what it all might cost. With recent changes to Stamp Duty and mortgage lending, Sarah shares her expert insights on the housing market. Together they cover the stages, typical costs, common pitfalls and the emotional rollercoaster of a homebuyer’s journey. Whether you’re a first-time buyer or looking to move, this episode is packed with practical advice and reassurance and your ultimate guide to making calm, confident, informed decisions for your next move. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful…

Around 1 in 5 people in the UK are neurodivergent, but it often doesn’t get discussed enough when it comes to personal finance. In this episode, our host Iona Bain speaks with accountant and behavioural finance expert Krystle McGilvery about the often-overlooked link between neurodiversity and money. Krystle shares her personal experience of living with ADHD and dyslexia, and how these conditions impact her financial habits. From budgeting struggles to impulsive spending and long-term planning challenges, together they explore how emotional regulation, executive function, and financial systems all intersect. Get ready for some empowering strategies to help take control of your financial future, whether you’re navigating your own neurodivergence or supporting someone who is. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website:…

There’s been lots in the news about workplace pensions recently. In this episode, our host lona Bain is joined by L&G's CEO of DC and workplace savings, Paula Llewellyn. They unpack changes in the pipeline and what you can do to help your pension savings grow. From the government’s push to simplify pensions and tackle the issue of multiple small pots, to a change which could see more of your money invested in UK companies and private markets, they explore how these reforms could help your financial future. Paula explains auto-enrolment, opportunities to increase saving into your pension and why this will make such a difference in the long run. Whether you’ve just started your career or are years into working life, this episode is packed with helpful advice to help you get a little bit richer in retirement. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website:…

Money talk can be awkward and vulnerable, but it doesn’t have to kill the romance. In this episode, our host Iona Bain is joined by financial adviser and author Bola Sol to unpack the dos and don’ts of managing money with your partner. From combining accounts to spotting red flags, Bola shares practical advice for couples at every stage, whether you've just started dating or planning for a long-term future. You’ll learn smart strategies on financial fairness, keeping your independence, and building a money plan that works for both of you. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram Follow Bola Sol on Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the…

Digital payments have become the norm in managing our money but why has there been a boost in cash spending? In this episode, our host Iona Bain sits down with financial advisor, author and content creator Emmanuel Asuquo to unpack our evolving relationship with money in a cashless world. Emmanuel explores the psychological impact of contactless spending, why so many are returning to cash, and how to create ‘friction’ in your finances to avoid mindless purchases. They also dive into emotional spending, creating strong financial habits and how tech can help you take back control. Get ready for some practical and empowering advice for modern money management. You can watch episodes on our YouTube channel And see behind the scenes content on our TikTok and Instagram Follow Emmanuel Asuquo on Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this…

Debt has become a fact of life for many, but that doesn’t mean it’s easy to navigate or talk about. In this episode, our host Iona Bain is joined by Claer Barrett, Consumer Editor at the Financial Times and a passionate advocate for financial literacy. Together, they tackle the reality of debt among young people in the UK - from student loans and credit cards to the rise of buy now, pay later. Claer breaks down how credit scores work, the traps of high interest borrowing, and why ‘negative wealth’ is an emerging issue for millennials. You’ll learn practical advice on managing repayments, understanding your options, and where to turn for help when things feel overwhelming. So get ready to feel on top of your finances and stay there. Claer mentioned a free guide and organisations which offer support on debt. More details are here. Watch ALBR episodes on L&G’s YouTube channel And see behind the scenes content on L&G’s TikTok and Instagram Follow Claer Barrett on Instagram You can play the podcast and find other…

No matter how much you have to invest, setting good and solid foundations is vital. In this episode, our host Iona Bain is joined by friend of the show and financial adviser Rotimi Merriman Johnson, aka Mr. MoneyJar, to demystify the world of investing. From choosing the investment platform to understanding index funds, stocks and tax-efficient accounts like ISAs and SIPPs, Rotimi shares clear, practical advice without the jargon. They also discuss the psychology of investing, the importance of diversification, and how to stay focused on long-term growth, especially when the markets get bumpy. Get ready to be empowered to take those first steps towards building a future you’ll thank yourself for. You can watch episodes on our YouTube channel And see behind the scenes content on our TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Rotimi Merriman-Johnson on Instagram Iona and her guests share their…

It can be hard to look beyond managing your money from one payday to the next. But if you have dreams for your life in the future, you’ll need a plan on how to fund this. In this episode our host Iona Bain is joined by financial adviser, author and money columnist Bola Sol to unpack what it really takes to be in the best position to afford it. From budgeting with purpose, deciding what your work-life balance is, building solid money habits and managing setbacks with compassion, Bola shares her no-nonsense, empathetic approach to long-term financial wellbeing. Whether you're dreaming of buying a home, starting a family, or simply trying to get your head around credit and emergency funds, you’ll hear practical wisdom to help you turn financial stress into strategy. You can watch episodes on our YouTube channel And see behind the scenes content on our TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow…

Do you feel like you’re working hard but hardly moving up the career ladder? Is success only achievable through promotion? What will give you satisfaction? In this episode our host Iona Bain is joined by Helen Tupper, co-founder of Amazing If and co-author of The Squiggly Career, to explore why success doesn't always mean a straight line to the top. They discuss how to rethink promotions, build confidence and find purpose in a working world that’s increasingly non-linear. You’ll learn how to identify your values, grow your network with purpose and create a career that works for you. Whether you’re climbing, pivoting, or staying put in your career, there are so many ways you can rewrite the rules of your success. You can watch episodes on our YouTube channel And see behind the scenes content on our TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Amazing If on Instagram @AmazingIf Iona and her…

Do you spend more than you should? Or maybe the opposite and you’ve a tendency to be frugal? ? In this episode, our host Iona Bain is joined by financial psychotherapist Vicky Reynal to explore the emotional undercurrents behind our money habits. From childhood experiences and family dynamics to social media and FOMO, Vicky unpacks the complex psychology that shapes how we think, feel, and behave with money. You’ll hear about the subtle difference between overspending and self-sabotage, how scarcity mindsets can quietly drive our decisions, and why our financial habits are often less about numbers—and more about feelings. Whether you're a frugal saver or a spontaneous spender, there’s lots of practical insights and empowering advice to help you better understand your relationship with money and how to start building healthier habits today. Follow Vicky on Instagram @vickyreynalpsychotherapy You can watch episodes on our YouTube channel And see behind the scenes content on our TikTok and Instagram You can…

Whether you're looking for some extra income, creative fulfilment, or a path to financial independence, side hustles are a great way to do this. In this episode, financial advisor Emmanuel Asuquo and our host Iona Bain dive into the world of side hustles— from what you could offer, when you might need to pay tax and ideas to generate business. They explore the highs and lows, the myths and realities, and strategies to balance it with your full-time job. Because taking time to develop a side hustle you’re passionate about, can go a long way to making you a little bit richer. Follow Emmanuel on Instagram @theemaneffectuk You can watch episodes on our YouTube channel And see behind the scenes content on our TikTok and Instagram You can play the podcast and find other useful content on Legal & General’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on…

In a post-pandemic world, with the rise of working from home and flexible hours, there’s a whole new meaning to work life balance. In this episode, Joe Ryle from the Four Day Week Foundation joins our host Iona Bain to discuss how changing work patterns can lead to a healthier work culture with increased productivity and reduced burnout. They dive deep into the role of technology in blurring boundaries and offer practical advice on how you can begin advocating for more balance in your work life. You can watch episodes on our YouTube channel And see behind the scenes content on our TikTok and Instagram You can play the podcast and find other useful content on Legal & General’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give information for a UK audience that’s relevant at the time of recording. See omnystudio.com/listener for…

With endless inspiration online, home improvements have never been more tempting - but is reality living up to the "property porn" hype? In this episode, our host Iona Bain is joined by Paula Higgins from the HomeOwners Alliance to explore the smartest ways to transform your home without breaking the bank. From deciding between a doer-upper and a move-in-ready home to prioritising renovations that actually add value, Paula shares expert advice on budgeting, managing tradespeople and making the most of your space. Whether you’re a homeowner or a renter, there are plenty of ways to refresh your home - sometimes all it takes is a fresh coat of paint and a little creativity! For more on the Homeowners Alliance visit hoa.org.uk You can watch episodes on our YouTube channel And see behind the scenes content on our TikTok and Instagram You can play the podcast and find other useful content on Legal & General’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own…

Have you ever wondered what happens to some of the money you save in your pension? Beyond securing your financial future, your pension could be helping to build better communities, fund affordable housing and invest in innovative health technologies. In this episode, our host Iona Bain sits down with Legal & General’s Pete Gladwell to explore how pension funds can be used for social investments, while still delivering strong financial returns. Learn how your pension savings contribute to projects that shape towns and local communities and how you can make more informed investment choices. You can watch episodes on our YouTube channel And see behind the scenes content on our TikTok and Instagram You can play the podcast and find other useful content on Legal & General’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give financial…

In this special season opener of A Little Bit Richer, we turn the tables on our brand-new host, Iona Bain! Pension expert Kim Brown from Legal & General takes the interviewer’s seat to dig into Iona’s personal finance journey— from unexpected money lessons to navigating the challenges of millennial finances. They discuss everything from getting on the property ladder to balancing today’s financial needs with saving for the future. Iona shares her dreams, fears and working towards financial freedom. You can watch the full episodes on our YouTube channel And watch behind the scenes content on our TikTok and Instagram You can play the podcast and find other useful content on Legal & General’s website: www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give information for a UK audience that’s relevant at the time of recording. See omnystudio.com/listener for…

We’ve got an exciting announcement for you. In this new series we're delving deeper to help you with smart money choices. To guide us through we're thrilled to be welcoming Iona Bain to the team. Listen and follow on your favourite podcast app. Now you can also watch the full episodes on our YouTube channel And watch behind the scenes content on our TikTok and Instagram See omnystudio.com/listener for privacy information.

Moving in with someone is an exciting milestone, but it’s also a big decision that requires careful planning. In this episode our host Kia Commodore sits down with family lawyer Yasmin Khan-Gunns to uncover what you should consider before taking the plunge - whether you’re renting or buying with a partner, friend or family member. From financial considerations and tenancy agreements to the importance of cohabitation agreements, Yasmin shares expert advice on how to navigate potential challenges and protect yourself if things don’t go as planned. She also gives practical tips for managing shared expenses, understanding property ownership and dealing with breakups or separations. Whether you're blissfully in love, teaming up with roommates, or just starting to think about your living arrangements, this episode is packed with insights to help you make informed decisions. You can play the podcast and find other useful content on Legal & General’s website: www.legalandgeneral.com/podcasts/a-little-bit-richer You…

The new year is here and while we often focus on resolutions like fitness or dry January, what about setting yourself up for a brighter financial future? In this episode, our host Kia Commodore welcomes Sean Philip from Legal & General, who shares some great tips to improve your personal finances for the longer term. From rethinking financial sacrifices as ‘badges of honour’, the ‘Couch to £5k’ savings challenge, building an emergency fund and when to increase your pension contributions. This episode is packed with insights to help you save smarter and plan better. Whether you're navigating the challenge of balancing short-term needs with long-term goals or looking for motivation to get started, Sean’s thoughts will inspire you to take steps to help make you a little bit richer! Make 2025 the year future you will thank you for! You can play the podcast and find other useful content on Legal & General’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Kia and her guests share their own…

Step into the new year armed with pearls of financial wisdom from A Little Bit Richer! In this special episode, our host Kia Commodore goes through the archives to share her top ten favourite money tips from the series so far. From building financial discipline to smart investing, tackling debt and planning for your dream retirement, this episode is packed with actionable advice from some of the most insightful guests we've had on the show, including Orann Coyle, Timi Merriman-Johnson, Kim Brown, Emilie Bellet and many more. Start 2025 strong and take control of your financial future. Whether you're navigating the property market, or exploring pensions and ISAs, there are plenty of ways to help make you a little bit richer! You can play the podcast and find other useful content on Legal & General’s website: www.legalandgeneral.com/podcasts/a-little-bit-richer Kia and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They…

Credit reports and scores play a vital role in your access to future credit. In this episode, our host Kia Commodore is joined by Experian’s John Webb to bring some clarity to this important topic. They cover where to check the information on your report, how credit scores are calculated, what impacts them, and how to improve yours. They also tackle common myths, explore how ‘Buy Now, Pay Later’ affects your rating, and discuss the steps errors in your credit report. Whether you're planning a big purchase or just want to stay financially healthy, taking control of your credit score with help make you a little bit richer! You can play the podcast and find other useful content on Legal & General’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer You can check your credit score for free with Experian: https://www.experian.co.uk/consumer/experian-credit-score.html Kia and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal &…

Everyone’s career journey is different and there are lots of ways you can get more experience and training to help with this. Our host, Kia Commodore, chats with Legal & General’s Sarah Evans about lifelong learning, qualifications vs experience and how you can upskill with a busy schedule. Some small simple strategies can propel you career forward, give you great experience and help get you a little but richer! You can play the podcast and find other useful content on Legal & General’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Kia and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give information for a UK audience that’s relevant at the time of recording. See omnystudio.com/listener for privacy information.