On this episode Danni Hewson and Laura Suter look at the details of the big childcare promises in the latest Budget. The chancellor’s new proposals for free childcare hours from nine months and up have been cautiously welcomed by many parents, but we lay out how the scheme will actually work and the potential pitfalls. Our guest this week is the Financial Times’ Claer Barrett, who has taken on the role as the nation’s financial agony aunt. The consumer editor of the Financial Times also has a new book out called “What They Don’t Teach You About Money” and explains why everyone should get more involved with their finances – which is obviously music to our ears. We’ve also got Claer’s rather unusual financial confession, and we also answer one of your money questions on the tricky issue of overpaying student loans.