Workbook
The Money Reset: a 30-day workbook
One small task a day for thirty days. At the end, your whole money picture on one page and a short list of what to check next. UK and US. General information, not financial advice.
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Money
Pensions, Social Security, downsizing, scams and making it last. General information, not financial advice.
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Money: the complete guide to getting clear and making it last
A start-here guide to your money: net worth and cashflow on one page, checking your State Pension or Social Security forecast, workplace and private pensions, free guidance, scams, and the big decisions. General information, not financial advice.
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Check your State Pension forecast or Social Security statement: what the numbers mean and what you can still change
How to get your UK State Pension forecast or US Social Security Statement, what the figures and dates mean, how National Insurance gaps and voluntary contributions work, and how claiming at 62, 67 or 70 changes a US benefit. General information, not financial advice.
Downsizing, equity release and reverse mortgages: the real costs of turning your home into money
A plain guide to the three ways of releasing money from your home: selling and downsizing, equity release in the UK, and reverse mortgages in the US. What each costs, what it does to benefits and inheritance, and the questions MoneyHelper, Age UK, the CFPB and the FTC say to ask. General information, not financial advice.
Finding lost pensions and old retirement accounts: the free searches that actually work
How to trace lost workplace and personal pensions using the UK Pension Tracing Service and MoneyHelper's four-step method, and lost US 401(k)s and pensions using the Department of Labor's Retirement Savings Lost and Found, PBGC and state unclaimed property. Plus what to check before consolidating. General information, not financial advice.
Living well on less: budgeting on a fixed income, the free help, and where the money leaks
How to budget on a fixed income using MoneyHelper's free planner, where the free help is (MoneyHelper, Citizens Advice, Age UK, AARP), which benefits to check (Pension Credit in the UK; SNAP, Medicare Savings Programs and Extra Help in the US), and the household bills where money most often leaks. General information, not financial advice.
Pension and investment scams: how they work and what to do if you've been contacted
The two main pension scams, the warning signs the FCA and FTC list, how to check a firm on the official registers, and step-by-step what to do if you've been contacted or have already paid, in the UK and the US. General information, not financial advice.
Stories
Lisa Croke began with $90,000 of debt, no savings and a team of two
Lisa Croke, 50, told the Washington Post in January 2025 how she went from $20,000 of consumer debt, $70,000 of student loans and no savings to clearing her credit cards and investing, with an accountant and a financial coach alongside her. Two other women in the same report began again in their fifties. What they did, what the figures say about starting late, and four weeks of first steps. General information, not financial advice.
Things to do
More things to do →- Get your State Pension forecast or Social Security statement
- Make or update your will
- Make and register a lasting power of attorney
- Track down every pension from your past jobs
- Read your own credit report
- Run a benefits check
- Check your tax code or withholding
- Book a free Pension Wise appointment
- Do a home energy check
- Track every pound or dollar for a month
- Search for lost savings and accounts
- Find out how the Rent a Room Scheme works