Abraham and Rowena get straight to the point in this episode, covering:

- Rowena’s background and work at the Institute for Fiscal Studies

- What made her decide to take on her research and what the biggest revelation has been

- Her recent involvement with the paper on, ‘When should individuals save for retirement? Predictions from an economic model of household saving behaviour’.

       - Delving into the details of the lifecycle model and what this really means

       - The power of habit

       - A parent’s approach to retirement and impact of kids leaving home

- The interplay between student loans, employer and employee pension contributions, and the uncertainty of earning pattern over once working career.

- Whether you can pinpoint one saving strategy for all…

- Her single biggest concern relating to retirement and the patterns associated with it today