Iona Bain is founder of the Young Money Blog and Agency. Since starting her website in 2011 to help millennials improve their money management, she has become the UK's go-to voice on young personal finance. She wrote her first book, Spare Change, in 2016, was named Money Blogger of the Year at the Santander Media Awards and later became the youngest governor of the Pensions Policy Institute. She appears frequently on TV and radio, writes for a range of national newspapers and websites and speaks at flagship events across the pensions industry and beyond. She currently holds the prestigious Freelancer of the Year title, as awarded by IPSE (the Association for Independent Professionals and the Self-Employed) and is proud to sit on the Next Generation Pensions Committee. She is also an ambassador for the Insuring Women's Futures Campaign.