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The penny drops podcast is here to help you understand your money and make better informed financial decisions.

In this monthly podcast series, we’ll cover the big personal finance topics such as savings, pensions, budgeting, debt, family finance, marriage and retirement – as well as other issues that money can have an impact on, like your mental health, physical health and the environment.

Each episode our host, presenter and broadcast journalist Andrea Fox (whose voice you may have heard announcing shows like Britain’s Got Talent on ITV), will be grilling financial experts and special guests to get the answers we’re looking for and tips that you can put into action.

Listen to the podcast

You can download and listen to episodes using the iTunes PodcastsSpotifyGoogle Podcast or Castbox apps – just search for ‘The penny drops’. We’ll be releasing a new podcast at the beginning of each month, so make sure to subscribe to be the first to hear new episodes.

Or, if you don’t have access to an app, you can listen to the podcast online. We’ll send you reminders about any new episodes in your quarterly member emails.

We’d love to hear what you think of the series, so please do leave us a review, or if you have any comments or money questions you’d like us to cover, you can get in touch at

New episodes

Popular money questions answered

Founder of MoneyMagpie Jasmine Birtles answers some of the most asked money questions. 

November 2019

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Let's talk about pensions

Money expert and creator of the SavvyWoman website Sarah Pennells goes back to basics on pensions.

December 2019

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How to save without noticing

Personal finance journalist and savings whizz Emma Lunn shares everything you need to know about how to save money.

January 2020

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Why planning for death is so important

BBC Radio 5's Wake Up To Money presenter Guy Kilty talks end-of-life planning and why it’s important to think about it early on.

February 2020

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Managing your finances as a woman

Bola Sokunbi, founder of Clever Girl Finance, delves into female finances and the life events that can impact women and their money.

March 2020


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Staying motivated and determined

Mikael Lawal talks about his journey from poverty to professional boxing, and how he’s managed personal and financial struggles.

April 2020

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Money and your mental health

Fashionpreneur and campaigner George David Hodgson and Money & Mental Health's Brian Semple discuss how our finances can affect our mental health, and vice versa.

May 2020

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Making ethical choices with your money

Founder of Ethical Consumer Rob Harrison explains the different ways we can be more ethical and sustainable with our money, from day-to-day spending to financial products.

June 2020

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Bonus episode: cricket careers, overcoming challenges and life in lockdown

Cricket stars Jonny Bairstow and Ebony Rainford-Brent join us in this episode as an official part of Royal London’s title sponsorship of One-Day International Cricket.

June 2020 (BONUS)

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How to plan and manage family finances

Rich Edwards, one half of Two Dads in London, and Becky O’Connor, Personal Finance Specialist at Royal London, discuss the financial impacts of having a family.

July 2020

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Watch out for next month's podcast!

Subscribe to the series or keep an eye on your podcast app for next month's episode, where we'll be talking determination, living with a disability, achieving your goals and managing your finances as an athlete with Paralympian Sam Ruddock.

Getting more information

Please note that the topics and issues discussed on ‘The penny drops’ can vary depending on your personal circumstances. More information and resources for each topic can be found in the episode notes on your app.

Royal London recommends you seek professional independent financial advice before making financial decisions. All views and opinions expressed are those of the experts and not of Royal London.

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