In our monthly podcast series, we 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, will be grilling financial experts and special guests to get the answers we’re looking for and tips that you can put into action.

Latest episode

Andrea Fox talks to Paul Martin OBE, the CEO of the LGBT Foundation, about why Pride month and the events associated with it are still so important today, and touches on some of the financial issues and barriers faced by LGBT+ people across key life stages.

How to listen

You can download and listen to episodes using your podcast app, including:

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. If you don’t have access to an app, you can listen to the podcast online via Podbean.

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 thepennydrops@royallondon.com.

2021 episodes

Join Andrea with her guest, Paul Martin OBE, the CEO of the LGBT Foundation, as they discuss some of the issues the LGBT+ community face in their financial lives simply as a result of their sexual orientation or gender identity.

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Andrea Fox speaks to Kara Gammell, award-winning personal finance journalist and founder of money-saving blog ‘Your Best Friend's Guide to Cash’ to find out everything you need to know about protection insurance.

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Andrea Fox joins Andy Webb, broadcaster, money expert and founder of personal finance blog ‘Be Clever With Your Cash’, to find out everything you need to know about mortgages and buying a home.

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Andrea Fox joins working parents and comedy duo the Scummy Mummies and Helen Morrissey, a personal finance expert from Royal London, to discuss some of the challenges of being a woman in the workplace, as well as the impact of being a parent on your career and finances.

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Host Andrea Fox talks to Marilyn Baldwin OBE, founder of Think Jessica, an organisation committed to protecting people from financial fraud, about how we can spot and avoid financial scams.

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Host Andrea Fox joins Josh Widdicombe, comedian, writer and co-host of Channel 4’s The Last Leg, and Georgie Frost, award-winning financial journalist and radio presenter, to reflect on the challenges of 2020 and talk about money tips, habits and goals to set us up for the new year.

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2020 episodes

Host Andrea Fox speaks to singer, actor and TV presenter Duncan James, who shares his personal story of financial hardship. Joining him is Jo Kerr, Director of Impact and Innovation at Turn2us, who guides us through the options and support available for people who are financially vulnerable.

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Host Andrea Fox joins Sarah Pennells, head of financial capability and guidance at Royal London, to discuss why retirement planning is so important.

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Host Andrea Fox joins two special guests, TV presenter and published author Jeff Brazier and photographer and filmmaker Rankin, to have an open conversation about death and how we can all feel more comfortable discussing it.

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Host Andrea Fox talks all things budgeting with Kalpana Fitzpatrick, finance editor, money expert and founder of award-winning website Mummy Money Matters.

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Host Andrea Fox joins Paralympian Sam Ruddock to talk sports, big ambitions, managing finances as an athlete and living with a disability.

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Host Andrea Fox talks family finances with Rich Edwards, one half of the hugely popular Two Dads in London blog, and Becky O’Connor, a Personal Finance Specialist at Royal London.

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Host Andrea Fox joins Rob Harrison, founder of not-for-profit publishing, research and campaign organisation, Ethical Consumer.

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Host Andrea Fox speaks to fashionpreneur and mental health campaigner George David Hodgson and Brian Semple, Head of External Affairs at the independent charity Money & Mental Health.

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Host Andrea Fox joins Mikael Lawal to talk about his journey from poverty to professional boxing, and how he’s managed personal and financial struggles along the way.

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Host Andrea Fox speaks to Bola Sokunbi, founder of Clever Girl Finance, about female finances and the life events that can impact women and their money.

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Host Andrea Fox joins finance journalist and BBC broadcaster Guy Kilty to talk end-of-life planning and why it’s important to think about it early on.

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Host Andrea Fox talks to personal finance journalist Emma Lunn to discover everything you need to know about saving money.

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2019 episodes

Host Andrea Fox goes back to basics on pensions with money expert Sarah Pennells.

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Bonus episodes

Host Andrea Fox speaks to two English cricket stars, Jonny Bairstow and Ebony Rainford-Brent, in this bonus episode of 'The penny drops' recorded as an official part of Royal London’s title sponsorship of One-Day International Cricket.

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How to get more information

More information and resources for each topic can be found in the episode notes on your app.

Please note that the topics and issues discussed on ‘The penny drops’ can vary depending on your personal circumstances. 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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