Retiring at 65 Makes No Sense episode artwork

EPISODE · Feb 9, 2026 · 43 MIN

Retiring at 65 Makes No Sense

from Making Money · host Damien Jordan & Timeyin Akerele from Most

Is slow population growth going to change your retirement? Amlan Roy is an expert in demographics and has advised governments all over the world. He says the way our population is changing is at the heart of all the big issues we’re facing today, not just pensions.  You can get Amlan’s book ‘Demographics Unravelled’ here: https://a.co/d/0gyPSQbi 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ ❓Survey - how are you saving for your future? ⁠⁠⁠https://makingmoney.email/survey⁠⁠⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠ Xero accountancy software - get 90% off for 6 months: ⁠⁠⁠https://referrals.xero.com/makingmoney ⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Is Age The Only Factor? 05:25 - Vanta Ad 06:30 - The Ageing Time Bomb 11:57 - Immigration As A Tool 15:20 - Tide ad 16:20 - Fertility Rates 20:27 - Staying In Work Longer 23:10 - Means-Tested State Pension 28:10 - How Much Does a 20 Year Retirement Cost? 33:00 - When Will The Problem End? 35:58 - Where Will You Retire?

Is slow population growth going to change your retirement? Amlan Roy is an expert in demographics and has advised governments all over the world. He says the way our population is changing is at the heart of all the big issues we’re facing today, not just pensions.  You can get Amlan’s book ‘Demographics Unravelled’ here: https://a.co/d/0gyPSQbi 💬 Do you have a money story you'd like to share on the podcast? ⁠https://makingmoney.email/listener-story-form 🤝 Want 1:1 financial help from us? Answer a few questions to find the right service & book free call: ⁠⁠⁠https://getmost.typeform.com/pod-episodes⁠⁠⁠ ❓Survey - how are you saving for your future? ⁠⁠⁠https://makingmoney.email/survey⁠⁠⁠ 🎉 Sponsors Vanta - Get your company secure and compliant: ⁠⁠⁠⁠https://vanta.com/makingmoney⁠⁠⁠ Xero accountancy software - get 90% off for 6 months: ⁠⁠⁠https://referrals.xero.com/makingmoney ⁠ – If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life. Chapters: 00:00 - Is Age The Only Factor? 05:25 - Vanta Ad 06:30 - The Ageing Time Bomb 11:57 - Immigration As A Tool 15:20 - Tide ad 16:20 - Fertility Rates 20:27 - Staying In Work Longer 23:10 - Means-Tested State Pension 28:10 - How Much Does a 20 Year Retirement Cost? 33:00 - When Will The Problem End? 35:58 - Where Will You Retire?

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Retiring at 65 Makes No Sense

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This episode is 43 minutes long.

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This episode was published on February 9, 2026.

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Is slow population growth going to change your retirement? Amlan Roy is an expert in demographics and has advised governments all over the world. He says the way our population is changing is at the heart of all the big issues we’re facing today,...

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