This is Money has had a string of questions from readers looking to give away money to children or grandchildren but who also wish to protect it from being squandered or lost in a relationship break-up. Whether gifting money for house deposits, or to avoid inheritance tax, or for any other reason this is a major concern for people, especially as nowadays the sums involved can be tens or hundreds of thousands of pounds. On this week’s This is Money podcast, Simon Lambert, Rachel Rickard Straus and Georgie Frost discuss why people are worried and what they can do – if anything. Also, on the agenda this week is the ten-year anniversary of the run on Northern Rock. How has the decade that followed changed our financial lives and who have been the winners and losers.