Nearly half of working-age people are saving nothing for retirement — so what’s gone wrong, and what changes are coming? We sat down with Pensions Minister Torsten Bell at the Pensions UK conference in Manchester to unpack the government’s plan. 🤝 Make the most of your money with our financial adviser service - book a free consultation:  https://makingmoney.email/financial-advisors-audio 🎉Sponsors MoneyWeek Magazine - Try it for free: ⁠⁠⁠⁠⁠https://moneyweek.com/money⁠⁠⁠⁠⁠ TaxZap - Do your tax return / self-assessment: ⁠⁠⁠⁠⁠https://makingmoney.email/taxzap⁠⁠⁠⁠⁠ Vanta - Get your company secure and compliant: ⁠⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠⁠ Odoo - Apps to run your business: ⁠⁠⁠⁠https://www.odoo.com/r/MM1⁠⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. 00:00 - We’ve got to finish the job 05:17 - 45% of people aren’t saving for retirement 08:20 - We can’t get complacent 10:53 - TaxZap ad 11:52 - Big changes are coming 16:36 - Does the pensions industry have a problem? 21:09 - Should your pension be invested in the UK? 24:29 - Vanta ad 25:39 - What age will you get a state pension? 30:47 - Is the triple lock putting future retirements at risk? 33:42 - What will happen over the next 5 years? 35:08 - What we thought about the Pensions Minister