Skip to content
Skip to main content

About this free course

Download this course

Share this free course

MSE’s Academy of Money
MSE’s Academy of Money

Start this free course now. Just create an account and sign in. Enrol and complete the course for a free statement of participation or digital badge if available.


This free course was written by Martin Upton in collaboration with Money Saving Expert. It was first published in May 2020 and last updated April 2024.

This course was created by The Open University with contributions and collaboration from The content unless otherwise stated in the course or in the acknowledgements below (or identifiable as third party content in the course) is owned and/or controlled by The Open University and/or and is made available subject to the Creative Commons 4.0 licence: licenses/ by-nc-nd/ 4.0/ [Tip: hold Ctrl and click a link to open it in a new tab. (Hide tip)] :

Please read and abide by the licence terms at all times.

Grateful acknowledgement is made to the following which is not subject to Creative Commons licensing unless stated as such.


Course image: The Open University

Figure 1: Morsa Images| Rosemary Calvert/Getty Images

Figure 2: Mark Kerrison / Alamy Stock Photo

Figure 3: Tim Mossholder/

Figure 4: the OU graph

Figure 5: vgajic/Getty Images

Figure 6: BrianAJackson/Getty Images

Figure 7: Nashua Volquez photo/ woman-wearing-red-hat-and-sunglasses-1729931/

Figure 8: Szefei/iStock/Getty Images

Figure 9: yanatul/

Figure 10: Magda Ehlers photo/ two-people-standing-in-forest-1307391/

Figure 11: Twocoms/

Figure 12: Fabrik Bilder/

Figure 13: Willian Oliviera/


Video 1: Introduction to Session 6 by Martin Lewis: ©MoneySavingExpert

Video 2: Understanding pension schemes animation: ©MoneySavingExpert

Video 3: Summary of Section 6 by Martin Lewis: ©MoneySavingExpert

Every effort has been made to contact copyright owners. If any have been inadvertently overlooked, the publishers will be pleased to make the necessary arrangements at the first opportunity.

Don’t miss out

If reading this text has inspired you to learn more, you may be interested in joining the millions of people who discover our free learning resources and qualifications by visiting The Open University – openlearn/ free-courses.