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The debacle over widespread errors in the state pension that This is Money and Sir Steve Webb uncovered, continues. As of the end of October last year, DWP had paid out just under half a billion pounds to more than 80,000 people who’ve been underpaid. But what about those who have died? Tanya Jefferies, Lee Boyce, Angharad Carrick and Georgie Frost reveal the case where a letter was sent to the daughter of an 100 year-old man three years after he passed away, stating he had been unpaid state pension for two decades. Yet, despite the letter – months later, she was left hanging on what the DWP was actually going to do about it. And still on the state pension front, people continue to complain of top-ups chaos as the Government gets ready to launch a new online service next month. Sir Steve is calling on DWP and HMRC to get in more staff. You don’t need HMRC to have more staff to answer your call, oh no! You just need to be a VIP. Apparently there is a helpline, also known as Public Department 1 (PD1) which answers calls nine times quicker. We explain more. On the savings front, the FCA is launching a campaign to encourage savers to shop around – and if you rushed to sign up for a one-year fixed-rate cash Isa this time in 2023, Lee explains why you must act. Optional and mandatory service charges at hospitality venues – Georgie, Ang and Lee give their verdict. And finally, the price of bitcoin jumped beyond $60,000 this week. What’s behind the latest cryptocurrency surge?

The cost of a comfortable retirement has jumped over the past year - but what do you need to get one and will you get there? As the Pension and Lifetime Savings Association updates its annual look at how much income people need for a basic, moderate or comfortable retirement, Georgie Frost, Lee Boyce and Simon Lambert take a look at what this all means for you. If a comfortable retirement costs a couple £59,000 a year and a moderate one £43,000, which one do you have a chance of achieving - and are there any important bits being left out of the costs? The team look at the cost of retiring, why it might not be as expensive as it first looks, how to invest for retirement and what sort of back up the state pension will provide. Plus, why our real top rate of income tax is 60% - and it's not the highest earners hit by it on their next pay rise - and is there any hope that Jeremy Hunt will be the Chancellor who finally does something about it. The case for not just cutting stamp duty but getting rid of it altogether. And an interview with a modern-day business legend. Simon speaks to easyJet and easyGroup founder Sir Stelios Haji-Ionnou about how he started the airline and built it up and his Young Entrepreneur awards.

Flutter Entertainment, the owner of FanDuel, entered the New York Stock Exchange with imressive revenue growth. But, what’s driving it? Ricky Mulvey and Jim Gillies discuss what to watch as big tech companies report, concentration in the Magnificent Seven, questions about Flutter Entertainment’s share count and debt load and the switching incentives in sports betting. Plus, 15 minutes in, Robert Brokamp continues his conversation with Michael Finke, a professor of wealth management and the Director for the Granum Center for Financial Security at The American College of Financial Services. They discuss the key factors for a happy retirement. Companies discussed: AAPL, MSFT, FLUT. Hosts - Ricky Mulvey, Robert Brokamp; Guests - Jim Gillies, Michael Finke

Adam Cox is in conversation with Paul Saroya from Viva Retirement Solutions, delving into the topic of equity release and its nuances. Together, they explore the evolving landscape of equity release, considering its transformations over the years. The discussion extends to alternative solutions that individuals should ponder before making a decision. Paul offers insights on identifying the suitable candidates for equity release and emphasises the importance of thorough research before opting for this financial strategy. https://www.vivaretirementsolutions.co.uk/

The Government wants us to get heat pumps fitted in our homes and it's offering up to £7,500 for us to do so. Now Worcester Bosch is bumping that up by an extra £2,500 - if you pick one of theirs of course. But with the devices cost between £8,000 to £30,000 to buy and fit, would it tempt you? Georgie Frost, Helen Crane and Lee Boyce reveal all... and talk the 'boiler tax'. Is inflation back on the rise? How worried should we be by the latest figures? And where next for interest rates? And millions face a big price hike for their mobile and broadband from March. Isn't it time these inflation-busting mid-contract increases were banned? Also, following campaigning by This is Money for years for fair treatment for parents who do not qualify for child benefit, parents denied state pension credits WILL get them. Tanya Jefferies explains all you need to know. Tanya also talks about a bungled handover to a new administrator that has left BAE Systems retirees suffering drastic cuts of up to 50% in their pensions. And Crane is on the Case, this time over a robot vacuum cleaner...

Georgie Frost, Simon Lambert and Tanya Jefferies run the ruler across 2023 and look ahead to 2024. Are we in for recession, recovery, and what impact will elections have both in the United Kingdom and the United States? The team consider the outlook for the stock market, bonds and gold. Also — a question over the Boots pension scheme.

Toys are cheaper now than a year ago. And some of the most popular brands haven’t changed for decades. Ricky Mulvey and Asit Sharma discuss transitory inflation for the toy business — and beyond! — the everlasting power of Barbie, Hot Wheels, and Lego, and Coupang’s acquisition of luxury online retailer, FarFetch. Plus, 15 minutes in, Alison Southwick and Robert Brokamp open the listener mailbag and answer a question about saving in a portfolio of only stocks for retirement. Companies discussed: MAT, CPNG, FTCH. Hosts - Ricky Mulvey, Alison Southwick; Guests - Asit Sharma, Robert Brokamp

For those who experienced the transition to 'retirement' during the pandemic lock-downs and working from home, it probably did feel calm and empowering (notwithstanding anxiety over the virus itself) — however, for many people it can feel more like a cliff-edge. This episode helps you to let go of the stresses and anxiety of the workplace and plan for that new chapter in your life: it's called 'future pacing'. The Christmas/New Year break is a great time to build a compelling version of your future.

We all know pensions are important but most of us rarely engage with them. Yet, with a little bit of time and effort, you can get your work pension working as hard as possible for you - and at some point in the future you will be very glad you did so. Georgie Frost, Lee Boyce and Simon Lambert talk pensions: why you should start early, the reason that it involves free money, how to invest for a richer retirement many years down the line and much more. Also on the agenda, what happens if you get stuck in a mortgage with your ex, why is Lee so annoyed at a sneaky insurance tax that swiftly adds up, and can M&S's sales and share price resurgence continue? And finally, listen to the end if you want to find out where Lee buys his socks and Georgie gets her underwear.

Georgie Frost, Simon Lambert and Tanya Jefferies discuss a new online service coming next Spring for state pension top-ups. Also, Simon looks at what's going on in the Bond market. There's also comment on premium bond values, and the team pick up a cause of local disputes: cameras in the back garden!