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You'd like to imagine that when it came to the state pension, you'd be dealing with a more robust system than the ones that deliver the average customer service nightmare. Savers could be forgive for questioning whether that was the case after a string of recent blunders. First we had the underpaid women's state pensions scandal, now we have the pension top-ups system creaking at the seams, at the same time as it turns out there may be a serious problem with the records of those who have received Universal Credit. The common thread running through exposing these problems has been This is Money's pension and investing editor Tanya Jefferies and retirement columnist Steve Webb. They have worked tirelessly to help those affected and bring these issues to light. This week, we had a state pension double header of news with an admission of the problems over Universal Credit and the Government finally extending the deadline for boosting state pension via top-ups. Tanya talks us through the problems and discusses what they mean for people, with Georgie Frost and Simon Lambert. Also, the team talk about why you should put your savings in a cash ISA, where to find the best ones and why transfers might be the most important thing you can do. Plus, who are the Dividend Heroes, what have they got to do with the Rolling Stones and what can we learn from them on long-term investing? And finally, rising interest rates have severely hampered the amount of mortgage a monthly payment can buy, so, could you afford your home now?

House prices fall by the largest amount since 2012, and mortgage approvals also fall for the fifth month in a row. So are we approaching a house price crash, or will there be a soft landing? Simon Lambert and Georgie Frost are joined by Helen Crane, and they also discuss energy prices and deals on offer from digital banking.

There's not long left until the end of the tax year - and that means it is time to sort your ISA if you haven't already. This year's Isa allowance runs out as the tax year ticks over on 6th April and it pays to get everything you can into the tax-free shelter for savings and investments. But what are the important things you need to know, the tips for making the most of your ISA - and why does it matter more this year than it has done before. On this ISA saving and investing special episode, Georgie Frost and Simon Lambert talk all things ISAs - from finding the best saving rates, to how to invest and how to boost your chance of investment success if you already have a stocks and shares ISA.

Where there's a will, there's often a grumble... and potentially a full on dispute. The amount of money involved in inheritances derived from even modest homes these days can be life changing and when someone feels they have been unfairly cut out or not given their dues, arguments can ensue. There's been a sharp rise in inheritance disputes, but why are they occurring, what can you do to protect your legacy and would you argue if you thought you'd been treated unfairly? That's up for discussion in this episode. Plus, will energy switching make a return, how much has an energy saving drive actually saved Simon, why is the state pension top-up system such a mess and have you got what it takes for financial independence and retiring early?

Inflation is theoretically running out of steam but there's one essential that's still gloing up in price rapidly: food. Even as energy prices and other recent highly inflationary items run out of steam, the cost of food seems to show no let up - with reports reporting inflation-busting rises. What is going on here? How much have food prices risen, why have they gone up so much, are supermarkets or brand-name makers profiteering, and will costs ever come back down? Georgie Frost, Angharad Carrick and Simon Lambert, delve into food prices on this week's episode - and look at any ways you could save money. Plus, mortgage rates are falling while the base rate is going up: why is that and what happens next? Should you invest in a VCT, not just for the juicy tax breaks but also for the investment opportunities on offer? And finally, we met the founders of Seatfrog to find out how they are helping passengers buy up unused first-class seats on trains at bargain prices and their plans for making train ticket-buying better.

Are we nearly there yet? The Bank of England hiked interest rates again this week, adding 0.5% to take base rate to 4%. That’s a level that it was almost unthinkable we’d reach so quickly a year ago, but rates have gone up hard and fast. The questions now are will base rate stall and when will it come back down again? But while the Bank of England has sent rates up like a rocket, its forecasts show that they will only fall like a feather. Georgie Frost, Tanya Jefferies and Simon Lambert look at how likely those forecasts are to be correct and what this all means for the economy, mortgages, savings and first-time buyers. Also on the show, Tanya explains another potential state pension scandal that she and Steve Webb have uncovered and Steve joins the podcast to talk through it. Sam North, of eToro, gives us a market update and explains why investors have sent stock markets soaring at the start of 2023. The clock is ticking on the tax year and Simon explains why he thinks the next couple of months are vitally important for getting money into an ISA and potentially selling some investments to do so. And finally, do you love your tumble dryer? Many do, but worry they can’t afford to run them. Fear not, help might be at hand.

Those aged between 43 and 54 may have been concerned by rumours this week that the Government is planning to increase the state pension age to 68 much sooner than planned. Officially, the rise to 68 is set to happen between 2044 and 2046, but ministers allegedly want to bring forward the change to 2035 with the policy being floated for inclusion in the March Budget. It comes as warnings have been sounded that those retiring in future decades will face a gap between the income that pension savings and the state pension will provide, and what they need to live even a moderate retirement. This is Money's pensions and investment editor, Tanya Jefferies, deputy editor Helen Crane and host Georgie Frost discuss how likely this is to actually happen - and what pension savers could do to prepare for it. We also look at mortgage rates which, having gone from all-time lows to unexpected highs in the last year and a half, could now be edging down past the 4% mark. Why have a raft of high street lenders cut their rates in recent days, and will they simply hike them back up again if the Bank of England decides to increase the base rate again next week? And what should borrowers in the unenviable position of needing to remortgage at the moment be factoring in when they make their decision? Another group set to be impacted by next week's base rate decision are savers. With NS&I having increased the interest rate on its ever-popular Premium Bonds from 1% to 3.15% in the space of a year, is that now the best place to keep your rainy day fund? EToro's Sam North also lets us know why next week is going to be a big one for the investment market. Helen gives us the lowdown on which companies are doing right by their customers, and which are not. Once renowned for its tip top service (free coffee, anyone?) John Lewis has taken a battering in Money Mail's wooden spoon awards - but it also placed high on a separate survey of the firms that customers liked best. So what is going on? Finally, we dish out some advice on how to spot bargains in charity shops, haggle down prices at car boot sales and then make money selling things on.

An astonishing idea for an ISA tax raid was outlined by the Resoloution Foundation last week, with the proposal that tax-free savings and investments should be capped at £100,000. No more aspiring to be an ISA millionaire, it would be £100k and out under this plan. It said that the nominal money out toward not taxing ISA interest, gains and dividends should instead go in the direction of encouraging those without savings to build up a pot. Is that a good idea, would it be a fairer way of doing things, and is there any conceivable way this could actually happen? Georgie Frost, Helen Crane and Simon Lambert discuss the proposal and whether it has any merits. Spoiler alert, Simon strongly disagrees and says this would also perpetuate even greater inter-generational unfairness. Find out why. Also, the team delve into a new American Express and BA card that's been dubbed the best deal ever for Avios points, but are they worth collecting? Sam North of eToro joins us to talk through what's been going on in markets over the past week and why newly confident investors had their confidence shaken. Helen fills us in on a very depressing Crane on the Case where Scottish Widows only offered a reader £250 after they were denied their dying wish by its failure to pay out their pension on time. On a much lighter note, why have we been researching the bleeding obvious this week and testing whether putting a jumper on means you could really save money on your energy bills? And finally, we are joined by long-time friend of This is Money, Dave Fishwick, who talks to Simon about the Netflix movie about Bank of Dave and what it's like to see your life portrayed on screen.

What do you picture in retirement? Is it an early exit from the rat race to travel the world, a gradual step back and a bit of golf, or working until state pension age and then spending some time treating the grandchildren? We will all have a different image in our heads of what our retirement years might look like, but whatever that is it is important to think about another question: could you afford to do those things? While most of us will be saving into a pension, we often have little idea how much income it will need to provide when we retire and how big the pot will need to be to do that. Stepping into that gap is the now regular report from the Pension and Lifetime Savings Association, which helps paint a picture of what a minimum, moderate and comfortable retirement would look like – and crucially what it would cost. Georgie Frost, Simon Lambert and This is Money’s pension and investment editor, Tanya Jefferies, delve into the report and look at what it found. How do those retirement standards translate into reality, how much will the state pension cover, how much on top of that will people need and why has the minimum retirement income rocketed 20% – far above official inflation? Simon speaks to Sam North, of eToro, for our weekly market update, who explains how a bang on expectations US inflation figure was received and why the FTSE 100 has made a good start to the year. Later, the team look at inheritance tax, why it is catching more people in its net, how high house prices mean more families are seeing hundreds of thousands pocketed by the taxman and what can be done to make the much-hated tax work better and feel fairer. And finally, does using cash help you budget or is it a false economy. Simon says for him it’s the latter, but what do Georgie and Tanya reckon?

The New Year has arrived and with it promises of inflation falling and a ray of hope on energy bills. But even if Rishi Sunak halves inflation, as he claims he will, it would still be running at 5% and his promise to get Britain back to growth may prove harder than the simple maths that sees inflation slow. Meanwhile, a slowdown in the rise of the cost of living doesn't mean things will get cheaper and the better energy price forecasts will still see costs at more than double what they were a year ago. So, will 2023 prove better or tougher for our finances? Georgie Frost, Helen Crane and Simon Lambert delve into the prospects for the year ahead. Plus, what is on the cards for the property market, for pensions and savers and why is Divorce Day tipped to be even bigger this year? And finally, the year is going to better financially for at least one person: the lucky January £1million Premium Bond winner who bagged the jackpot with less than £5,000 saved. Is it time we all stuck more in Premium Bonds, as the prize find is boosted?