More and more people are reassessing their lives as a result of the pandemic. Many have left their jobs or reduced their hours. Others have resolved to work only as long as they must, retiring early to focus on families and friends, hobbies or travel. Meanwhile, employers all over the world are experimenting with a four-day week.

Making the most of these choices requires having and growing enough money to enjoy your future life, without needing to worry about it running out. But when it comes to investing in a pension, there is a dizzying number of complex options available.

This book is designed to provide clear, objective guidance that cuts through the jargon, giving you control over your financial future. The authors strip away the marketing- speak, and through simple graphs, charts and diagrams, provide an evidence-based money manual that you can use again and again. They also alert you to myths and get-rich-quick schemes everyone should avoid.

It’s a highly practical and refreshingly honest book, written by two independent experts who have seen how the investment industry works from the inside, and how it profits from complexity, ignorance and fear. They show, in practical language, how UK savers and investors can beat this system and, crucially, make more money for themselves than they do for financial services firms.

Written and read by Robin Powell & Jonathan Hollow with Zara Ramm.