MT Digest - 36 is when people think about pensions

Young people do have it worse, it seems, as more are living at home vs previous generations.

Meanwhile, 36 is apparently when many people start thinking about their pensions.

On a different note, it seems most people can’t spot a pension scam.

Here’s an interesting read on what the choice between a guaranteed £50,000 or 50% chance of netting £1million says about you. I think the comments section for this piece is particularly insightful.

And finally, an interesting look at how the predictions market could hit the UK.

My current obsession is Joybuy*.

Since finding out about them at the end of June, I’ve already gone back a few times.

It’s like the new Temu but with super fast shipping - in some cities, you can get same day delivery if you order by 11am - and stuff that you would actually want to order regularly.

I mostly use it to buy groceries as it’s cheaper than Tesco’s and stocks stuff that I can’t find elsewhere but it also sells electronics, beauty products and clothes.

Anyway, go check it out.

There are some really great savings accounts at the moment, including two regular savers that pay 8% interest.

One is with Lloyds Bank and the other is with the Bank of Scotland.

There’s some fine print to consider, like whether you’ve opened an account with them recently, but if you qualify then it’s well worth signing up.

Even if you don’t qualify, it’s a good time to shop around to see what else is available.

Think someone you know might like Money Talk? Refer a friend (or few) and get free premium subscription.

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Below are some of the free financial products I recommend. For the full list, see Money Talk best buys.

• Nationwide Flex Account 5% AER (first 12 months up to £1,500; for new customers only) - read my Nationwide review

See also:

• Current accounts paying high interest rates

• Best current account switching offers

• Chip Easy Access Saver* 3.81% AER (penalty for more than three withdrawals)

• Marcus Online Savings Account 3.75% AER

• First Direct Regular Saver 7% AER (pay in up to £300 a month)

• Natwest Digital Regular Saver 5.25% AER (pay in up to £150 a month, with higher rate paid up to £5,000)

• RBS Digital Regular Saver 5.25% AER (pay in up to £150 a month, with higher rate paid up to £5,000)

See also:

• Best savings accounts

• Savings accounts with a prize draw

• TopCashback* - read my TopCashback guide

• Quidco* - read my Quidco guide