logo
episode-header-image
Oct 2021
25m 8s

'My life expectancy was 9 years old': Wh...

Financial Times
About this episode

Plenty of people in their 30s, 40s and even 50s have yet to start saving for retirement, and are anxious about how to begin. Today’s show is packed with tips for so-called ‘late starters’ like this week’s guest David, who is 38 and self-employed. Incredibly, David is planning for a retirement that he never thought he’d live to see. As Claer hears, a revolutionary new treatment for cystic fibrosis has transformed his life expectancy. Financial experts Claire Walsh and Moira O’Neill offer guidance for fellow late starters, weighing up the merits of pensions and stocks and shares Isas. Plus, they advise David how to factor in the additional challenges of living with a disability. 


Further reading:

Check out our episode on finances for the self-employed here 

Or listen to our episode about tracking down and consolidating old pensions

Moira’s FT column about pension saving in your 40s is available here

Claire Walsh’s website is here

The Cystic Fibrosis Trust has published this guide about employment rights


Presented by Claer Barrett. Produced and edited by Persis Love. Sound design by Breen Turner.


Hosted on Acast. See acast.com/privacy for more information.

Up next
Apr 1
Investment Clinic: Should I keep betting on Warren Buffett?
Fifty-eight-year-old Margo has amassed a very healthy retirement fund, in part by buying shares in Berkshire Hathaway, the investment company run by Warren Buffett. When even the ‘Sage of Omaha’ is reducing his exposure to certain US stocks, Margo wonders if it’s time for her to ... Show More
35m 16s
Mar 2025
Investment Clinic: I’m 29 – should I still be taking stock tips from my dad?
Matt started investing at just 22 with the help of his financial adviser father. Now, at 29, and with a wedding on the cards, he’s got an extra reason to be diligent about his money. Some of Matt’s stock picks (such as Glencore) haven’t been performing as he might like. Is it tim ... Show More
28m 43s
Mar 2025
Investment Clinic: I’m almost 50 – is it too late to start investing?
Forty-nine-year-old Jane has always been careful to squirrel money away, and a recent inheritance has boosted her nest egg to £125,000. But there’s one problem: it’s all in cash. Now, with half an eye on retirement, Jane wants to start investing but is unsure about how to do this ... Show More
32m 33s
Recommended Episodes
May 2023
415: Finance Friday: How to Achieve Your “Dream Life” Decades Before Retirement
Retirement is always some far-off goal. When you’re older and much more wealthy, you can live the golden years of your life without a care in the world. The problem? None of us know how much time we have left, how healthy we’ll be as we age, and whether or not these years are the ... Show More
48m 22s
Oct 2019
Avoiding the Looming Retirement Crisis (with Chad Parks)
There's a storm coming toward retirements all over the United States (and elsewhere). Pensions are broken, Social Security is headed toward big cuts, and personal savings? Nobody is doing it. On today's show, we'll sit down with the visionary behind the Broken Eggs documentary, C ... Show More
1h 8m
Apr 2024
Pension Freedoms and Flee Funds
This week marks 10 years since a landmark shift in the way we could all use our pensions. Back in the Spring of 2014 the then Chancellor George Osborne announced plans for new freedoms, allowing people over the age of 55 to take 25 per cent of their pension tax-free and use the r ... Show More
25m 12s
Aug 2021
227: ‘Rocketing' To FI at Age 35: What’s Life Like Post-Retirement?
What do you think of when you think about retirement? Are you on a tropical island drinking fruity cocktails out of a coconut? If you dream about that sort of retirement, Steve Adcock may have some revealing words for you. Retirement isn’t just about doing nothing all day, it’s a ... Show More
1h 6m
Feb 2018
The Real Reality Of The Retirement Crisis - Jeffrey Small
You're young and probably not too excited about talking retirement - but you should be.You see, thinking about retirement at an early age only sets you up for success in the future. How much success...well that's anyone's guess...but if we look at math alone, starting to save ear ... Show More
27m 19s
Mar 2021
Build Your Path to Financial Freedom & Retirement At Any Age | Eric Brotman
Let’s talk about the “r” word – retirement. It’s going to look a lot different for you and me than it did for our parents and grandparents, and that’s a good thing. What does this mean to you? Well, it means that you're going to need to scrub your previous definition and fill it ... Show More
40m 44s
Jul 2019
Why Retirement Is Bad For Entrepreneurs
‏Welcome to this episode of The Riadi Club Podcast In this episode, we discuss the fact that you are never going to think about retirement the same way. We're going to ruin it for you, but in a good way. Just by changing your thinking about retirement, it has the potential to dra ... Show More
42m 16s
May 2024
What is the great unretirement?
The great un-retirement is a term that has been coined to explain the fact that people are working longer or even coming out of retirement completely to return to work. Find out why this is happening in this episode.In a poll by Rest Less, a digital community that supports the ov ... Show More
4m 6s
Aug 2023
Money Box Live: Can you afford to retire?
The UK government has announced a package of reforms designed to boost pensions and increase investment in British businesses. A panel of experts explore the impact of this on your pots and what it could mean for your retirement. The experts in this podcast are Nigel Peaple, Dire ... Show More
29m 11s
Feb 2024
The Tax Factor - Episode 25 - Pensions Special
This week it’s a Pensions Special, with Blick Rothenberg CEO Nimesh Shah joined by Pensions specialist Martin Reynard. In this episode they cover all things pensions, including over payment of tax when taking money out of pensions and what the differences are between saving in an ... Show More
16m 12s