Ram — UK Retirement Money

About this channel

UK pension, tax and retirement money — for people in the last ten years before they finish work. New videos every Friday and Sunday. I'm Ram. I read the HMRC technical notes and the Budget small print, then explain what they actually do to your money — in plain English, with the numbers shown. This is for you if you're 50 or over, still working or recently retired, and you've worked out that nobody warns you before the rules change. ▸ The April 2027 cliff — inheritance tax on pensions, and the cash ISA cut ▸ HMRC and DWP traps — tax codes, emergency tax, wasted allowances ▸ State Pension, National Insurance gaps and Pension Credit ▸ Running the numbers — is £300,000 really enough at 60? ▸ Refunds, discounts and bills you can legally stop paying Not for beginners, day traders or crypto. New videos: Friday 4pm and Sunday 3pm UK. 📧 Business enquiries: ramnath.suthakar@gmail.com Not financial advice. UK rules change at every Budget — check GOV.UK and speak to a regulated adviser.

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• Lifestyle (sociology)