Welcome to Women of Bulls, where I Katie Balls speak to today's trailblazers.

When it comes to retirement, working at how much you will need to set aside can seem like a monumental task.

These days, the average person has between 8 to 10 jobs over their lifetime, people that are living longer, and the medium retirement age at 65,

and life expectancy at 80. Health problems in old age can be costly, care responsibilities are

rising, and the cost of living crisis is adding to the financial burden, not to depress listeners

already. So what should people think about when planning for their pension? What challenges do

they face? And where are the solutions? There's also an aspect here of women the most likely to

suffer from pension inequality and single women being the poorest of all pensions on average.

Almost a fifth of working age private sector employees do not do any pension saving in any given year,

and a third of people expect to retire of only a state pension, whatever that will be.

Joining me now to shine a light on some of these pension inequalities and what can be done about it

is Wendy Chamberlain, Liberal Democrat spokesman for work and pensions,

Jackie Leeper, CEO of Inbark Group and MD of Pensions at Scottish Widows,

both parts of Lloyd's Banking Group, and Lauren Wilkinson from the Pensions Policy Institute and co-author of

the underpensioned report. Thank you to my panel for joining me today. Wendy, just to kick us off,

I wonder if you could talk us through the challenges you are seeing when it comes to the Pensions Challenge at the moment for those looking at what they might have when they get to that point.

Yeah. If we look specifically at the gender pension gap, why does it exist? Well, it exists because we know that there's a gender pay gap. And the reason for that, I think, is quite well illustrated by my own work career.

You know, after university, I was a police officer for 12 years.

But in that time, I took maternity leave from my two children and I returned to work on a part-time basis.

I then left the police and took a two-and-a-half-year career break where I wasn't working,

so therefore not making any contributions to my pension.

And then I've had two employers since then before I was elected as an MP. And I think, as you rightly said in your introduction, that more portfolio career approach

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