Hi Philip Lamb here and I'm delighted to tell you that the Pension Confident Podcast is back for its third series.

There'll be even more personal finance episodes from financially preparing to live to 100 to the monetary cost of friendship.

We'll be back on January 28th with an episode

all about starting your own business. What does it really take to be a

successful entrepreneur? Do not miss it.

Subscribe to the Pension Confident Podcast on your app and you'll never miss an episode.

This podcast is brought to you by Arnold Clark's real sale.

And when it comes to used cars, Michael,

you could write a book about your exploits.

I've tended towards thrift in the past,

I have to say, not always successfully.

I mean that comes as a real surprise coming from you.

I mean, I found it the most reliable way I could which was to ask on Twitter if

anyone had a car that were getting rid of.

Which I mean it lasted for six months what can you do?

You don't have to go through the same rig Marole as Michael because thankfully Arnold Clark make it really simple to buy a quality used car.

You can put together a short list of cars on the website and then share it with your friends and family.

Presumably you didn't try that.

You can build a deal that's personal to you,

you can adjust the deposit and monthly terms to suit your budget.

You can shop online or in one of over 200 stores across the UK.

The real sale is now on. The UK's biggest used car sale with savings and over

...