Most business owners know they should probably be doing something about their pension. Fewer actually are. And the longer that sits in the "important but not urgent" pile, the more uncomfortable it gets.

In this episode of Money Mic, Sian Murphy and resident financial expert Michele YianniAttard are joined by Steven Clark, financial adviser at Scott and Associates, to tackle the pension conversation head-on. Steven works across financial planning with a specialism in retirement planning, and he's used to sitting across the table from business owners who've been putting this off for years.

The conversation covers the real tax advantages of paying into a pension through your limited company, what the difference between a sole trader and a director actually means for your retirement planning, how to check your state pension forecast, and why it is never actually too late to start.

It's straight-talking, occasionally uncomfortable, and genuinely useful. If you've been avoiding this topic, this is the episode to put on.

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Making Tax Digital is coming, and HMRC says it's simple. Your clients and customers aren't so sure.

In this first episode of Money MIC, The Business Owner's Money Show, host Sian Murphy sits down with international accountant and CFO Michaela Yanni-Attard and her team from Future Insight Consultancy Group to cut through the confusion around MTD and tell you exactly what it means for your business. In plain English.

They cover:

• What Making Tax Digital actually is, and why it's not as simple as HMRC suggests
• The critical difference between sole traders and limited company directors - and why it matters for whether MTD applies to you at all
• The £50,000 income threshold, how it's calculated, and the scenarios that trip people up
• What quarterly submissions mean in practice, and whether they really mean more work
• The Government Gateway, the HMRC app, and how to get yourself set up
• Why acting now - even if you don't yet hit the threshold - is the smart move

Whether you've had a letter from HMRC, ignored one, or never heard of Making Tax Digital until today, this episode gives you a clear picture of where you stand and what to do next.

Money MIC is the show that treats you as a whole financial being and that means your business finances and your personal finances together, in one place. Because you can't really separate the two.