Britain has a problem. Almost half of the country’s working age adults are not saving into a pension at all. So if you know somebody who isn’t thinking enough about their future retirement, it may be time to have a frank conversation with them.

In today’s show, Katie Martin talks to two experts about why nobody seems to be taking their pensions seriously enough – Gavin Lewis, managing director at asset management leviathan Black Rock, and the FT’s consumer editor Claer Barrett, who writes our Serious Money personal finance column.

Also, Gavin goes long longevity, Katie goes long gold exuberance and Claer shorts Andy Burnham’s social media feed.

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