Niamh is 24 but she wants to make sure she’s in a financially stable position when she is older. How should she go about saving and investing for her long-term future? Presenter Claer Barrett is joined by Holly Mackay, founder of Boring Money, and financial planner Michael Martin, founder of Cannizaro, who discuss the pros and cons of private and workplace pensions, Lifetime Isas, mortgage overpayments and index investing. Want more? Check out Claer’s column: Why do we think we can beat the market? For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected] Presented by Claer Barrett. Produced by Philippa Goodrich and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.