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Rachel Reeves is due to deliver her Spring Statement next week, and it's probably safe to say this isn't the position she wanted to be in. After an Autumn Budget that raised spending and hiked taxes while locking the Chancellor in with a new fiscal rule, Reeves would have hoped to arrive in March with better news on the economy. Instead, Labour's not-a-tax-on-working-people national insurance hike on employers has backfired, at the same time as the growth forecasts have taken a downturn and borrowing costs have risen. So, what will the Chancellor do next week? Will she tweak her own fiscal rule, raise taxes again or cut spending in unprotected areas that are already suffering? As Rachel Reeves finds herself between a rock and a hard place, Georgie Frost, Lee Boyce and Simon Lambert look at what could happen. Plus, what does the Bank of England holding rates and the potential future path mean for your savings and mortgage? What should you do to sort your ISA and pension now? Can you really give away £1 million a year and dodge inheritance tax? And finally, the question that anyone like Simon who racks up the odd foreign traffic infraction needs answered: if you get a holiday parking fine, do you have to pay it?

Abolition of NHS England reverses the de-politicisation of the health service, but it leaves intact all the inefficiencies of being a monopoly: thereby rendering people complacent and satisfied with mediocrity, unless they're moved by the Florence Nightingale mindset. Competition enables progress, efficient delivery and innovation, but most of all it respects individuals as customers, not simply treating them as account numbers. No wonder that the Competition & Markets Authority encourages government to use competition effectively on behalf of consumers. Background music: 'Hopeful Freedom' by Asher Fulero

People with gaps in their state pension records have just one more month to take advantage of a special offer to buy missing years going as far back as 2006. As long as you get your payment or a callback request in by 5 April you can still benefit from the deal, but after that you will only be able to fill gaps from the past six years. And many are facing a backlog with payments in limbo — so what's going on? Pension gurus Sir Steve Webb and Tanya Jefferies join Lee Boyce and Georgie Frost to talk all things retirement. How can people save sufficiently to provide an income in retirement which they cannot even earn in salary? Steve replies to this tricky question. The state pension is going up in a month, with the headline rate at 4.1% thanks to the triple lock. But Tanya reveals that elements of it are only going up 1.7% ... and does Sir Steve think the triple lock will survive? We're on the precipice of Billmageddon with council tax, water bills, train fares, car tax, telecoms and even stamp duty rising — can you dodge the worst of the rises? And Lee has five top tips for bidding at online auctions to pick up genuine bargains … but just remember the fees, no tweed required.

Adam Cox is joined by Dr Steve James, a longevity medicine specialist and Cecilie Wang, the co-founder of Scandinavian Saunas. New research has found that many of us feel our health is in decline, with no idea how to stop it. And now experts are suggesting the problem is that we take a reactive approach to health, rather than proactive. https://www.scandinaviansauna.dk/

Technically, £100k annual earnings would meet the 'rich' definition, but many would say 'no'. Simon Lambert and Georgie Frost discuss with a psychologist how to address this vexed question. Also, following the new energy tariff changes, should you fix or not fix? And finally, Carol Knight explains why reducing the tax benefits on Cash ISAs will not make more people buy shares.

Georgie Frost, Simon Lambert and Tanya Jefferies discuss the recent bounce-back in inflation, the speculation over ISAs and whether extra savings should go into a pension instead, the scrapping of an online state pension forecasting tool, and premium bonds being under the weather at present.

The future of the Cash ISA has been in the spotlight of late, with rumours that the Chancellor could tinker with one of Britain's best-loved tax breaks. It's believed some City bosses are lobbying her to make the limit less generous, and push more people into investing their money instead. While just speculation, it's a move that would certainly ruffle a few feathers. This week, Lee Boyce, Georgie Frost and Angharad Carrick discuss the future of ISAs and ask: should people with cash parked in savings accounts be strong-armed into investing instead? Elsewhere, Octopus has launched an investment platform where you can buy into a wind turbine — is it a good home for your cash? Council tax has been in the spotlight, with some areas seeing increases in annual bills of up to 9.9% — and with it a social movement to cancel direct debits. Here's why that's not a wise move. Ang spoke to Virgin Media O2's customer service boss about their pledge to turn around their poor performance over the years. Will we just be shoved to chatbots? And does living in a hard water area make energy bills more expensive?

Georgie Frost, Simon Lambert and Helen Crane consider reducing interest rates — are they opening up a divergence between central banks in the U.S., the UK and Europe? What are the implications for mortgages and savings? They consider how investments fared in the pandemic crash and rebound, and what the implications might be as a result of Trump's trade wars. And they review Nectar's stolen points problem.

More than a million people switched current account last year — the second time it has ticked over the 1m mark. So, who is winning the switching battle and is it all driven by people chasing a quick and easy buck from banks? Lee Boyce and Georgie Frost dive into the data and also look at why you might not be rich enough to bank with HSBC anymore — if you want its exclusive account. The Government rules out forcing businesses to accept cash — is that a smart move? Need help with your tax return? HMRC slammed for poor customer service record via the telephone, is all the criticism justified? And your next car insurance quote might just be significantly lower, as Lee sees a huge drop with an auto-renewal that had him smiling from ear-to-ear.

There's a spike in 30-year mortgages at present — does this rise in ultra-long mortgages, extending into retirement for many people, just store up problems for the future? Georgie Frost, Simon Lambert and Lee Boyce discuss this, and: are dazzling LED headlights about to be banned? Also, an iPhone 14 ordered from Tesco is delivered as a toy! Plus, we've all heard about high earners in England suffering excess taxation, but is it worse in Scotland?