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2026/27 Edition · Updated October 2026

Everything the Government Owes You in Retirement — The UK Edition.

The State Pension, Pension Credit, HMRC, care costs & your home — every entitlement and every trap, in plain English, with the exact claim line, form and deadline.

★ ROBERT’S PICK · THE COMPLETE BOOK ★
The UK Senior Survival Playbook — 2026/27 Edition2026/27 EDITION

The UK Senior Survival Playbook

31 chapters · 59 pages · 40+ entitlements
  • The £957 that can buy £359 a year of State Pension — for life
  • Pension Credit: £2.5 billion left unclaimed in a single year
  • Attendance Allowance up to £5,959 a year — no means test
  • Care costs in all four nations — and protecting your home
  • Every claim line, form & deadline — plus the one-week plan
£20
One-time · instant PDF
Get the Complete Playbook — £20
By buying, you agree to our Terms & Disclaimer.
The big systems in one book: State Pension, Pension Credit, HMRC, care & your home.
Smaller budget? Start here
Nobody Told You This — everyday money rights

Nobody Told You This

Everyday money rights · 12 rules + 6 tools
  • Refunds, energy bills, power cuts, trains, flights & funerals
  • 5-minute money check, worksheets & cut-out cards
£7.99
Start with this book
By buying, you agree to our Terms & Disclaimer.
A separate book — not a cut-down Playbook. No repeated topics.
Robert
Hi, I’m Robert — from the Robert Retires UK channel on YouTube. I make plain-English money videos for seniors in Britain. Both books are instant PDFs — read tonight on any phone, tablet or computer.
APR
6

From 6 April 2027, unused pension pots will count towards your estate for inheritance tax. The Playbook explains who’s affected, who pays, and the moves to consider before then — plus everything else changing next April.

✓ Verified 2026/27 figures ✓ No ads or upsells in the Playbook ✓ All four nations covered ✓ Every claim line, form & deadline

If this sounds like you…

You’re not behind. Nobody ever laid it out for you. The Playbook does.

Inside the £20 Playbook

Six lines. Thirty-one chapters. One complete map.

Every area that decides whether you keep your money — each with the exact claim line, form and deadline, and where Scotland, Wales or Northern Ireland differ.

Line One · 6 chaptersThe State Pension

Your real number and the rising pension age, the £957 that can buy £359 a year for life, free National Insurance credits for carers and grandparents, deferring, and money left behind after a death or divorce.

Line Two · 5 chaptersPension Credit & Benefits

£2.5 billion of Pension Credit left unclaimed in a single year, the dozen doors one award opens, Attendance Allowance up to £5,959 a year with no means test, carers, and the mixed-age couples trap.

Line Three · 5 chaptersHMRC & Your Taxes

Tax codes and the refunds HMRC won’t volunteer, the £252 Marriage Allowance backdated four years, savings and ISAs, private pensions, and the April 2027 inheritance tax change.

Line Four · 5 chaptersCare, Health & Your Home

What care really costs in all four nations, the NHS funding that pays care fees in full, protecting the house the right way, free NHS help, and up to £1,000 of free adaptations.

Line Five · 5 chaptersEveryday Money

Council tax — 25% off if you live alone, and three more reductions — Winter Fuel of £200 to £300, travel and TV, £31 billion in lost pension pots, and the full savings checklist.

Line Six · 3 chaptersPaperwork & Protection

Powers of attorney before it’s too late, the money steps when someone dies — including the new £526 probate fee — and the sixty-second scam defence.

The Master Key · 2 chapters + toolsYour Plan

The two free checks that screen you against almost everything, what changes on Budget day and in April 2027, a tear-out Numbers at a Glance, a key-dates calendar, a one-week plan, a worksheet and a phone directory.

Get the Complete Playbook — £20

By buying, you agree to our Terms & Disclaimer.

See exactly what you’re getting.

No fluff, no filler — the verified figure, the exact action, and the trap to avoid. Two real pages from the Playbook:

Page 18: One award, a dozen doors
Pension Credit — the doors one award opens
Page 53: The one-week plan
The one-week plan

What knowing this is worth.

One hour with a financial adviser
£150+
One missed benefit
£1,000s / year
The complete Playbook
£20

If the Playbook shows you even one thing you’re missing, it pays for itself many times over — and it’s built to show you several.

The numbers behind this book.

Pensioner families who could get Pension Credit but didn’t claim it
910,000
Pension Credit left unclaimed in a single year
£2.5 billion
Sitting in around 3.3 million lost pension pots
£31 billion

Those aren’t sales figures — they come from the DWP’s own estimates (2023/24) and pensions research, all cited in the book. The Playbook exists to move you out of those numbers.

Who wrote these books.

Robert

Robert

Creator of the “Robert Retires UK” YouTube channel

Every week on my channel, I take one confusing rule about pensions, benefits or tax and explain it in plain English — the way someone should have explained it to me.

And I kept getting the same messages from viewers: “Nobody ever told me this.” “I wish I’d known before it cost me.” So many of those messages came from Britain that I built the UK edition from the ground up — every entitlement, every claim line, every deadline — with every figure checked for the 2026/27 tax year.

There are no ads and no upsells inside the Playbook. It points you to free government help, not more things to buy. My only goal is that you finally get what you already paid for across a lifetime of work.

— Robert
A second, different book

Start with your everyday money rights.

Nobody Told You This — UK edition

Nobody Told You This is a short, practical book about the rights you already have as a customer — with your bank card, the shops, your energy supplier, trains, airlines, insurers and the funeral director. Each rule tells you what it can be worth, why nobody tells you, and the exact words to say — with a box for your own details.

  1. 01The card rule that gets your money back
  2. 02The 30-day right to reject
  3. 03The energy bill too old to charge you for
  4. 04The £100 power-cut payment
  5. 05Delay Repay: money back when your train is late
  6. 06Up to £520 when your flight goes wrong
  7. 07The renewal rule: loyalty can’t cost you more
  8. 08Travel insurance when you have a medical condition
  9. 09Your licence at 70: free — so don’t pay a website
  10. 10The price list every funeral director must show you
  11. 11Sixty days of breathing space from debt
  12. 12The free ombudsman most people never use

Plus 6 tools: a 5-minute money check · a one-page action list · a money-found tracker · a before-you-call checklist · a call log · cut-out wallet & fridge cards.

Two different books, no repeats. Nobody Told You This covers your everyday rights as a customer. The Playbook covers the big systems — the State Pension, Pension Credit, HMRC, care and your home — where the biggest money of retirement is decided.
Get Nobody Told You This — £7.99

By buying, you agree to our Terms & Disclaimer.

Side by side

Two books. Different topics.

Nobody Told You This£7.99 ROBERT’S PICKComplete Playbook£20
What it coversEveryday money rightsThe big systems
Length12 rules + 6 tools31 chapters · 59 pages
State Pension: your real number & missing years✕✓
Pension Credit & Attendance Allowance✕✓
HMRC: tax codes, refunds & Marriage Allowance✕✓
Care costs & protecting your home✕✓
Council tax, winter payments & lost pensions✕✓
Numbers at a Glance, calendar & one-week plan✕✓
Refunds, energy bills, power cuts & travel delays✓✕
Insurance, funerals, debt & complaints✓✕
Best forEveryday rightsThe whole picture
Get it — £7.99 Get it — £20

By buying, you agree to our Terms & Disclaimer.

🔒 Secure checkout through Gumroad⚡ Instant download✓ One-time payment — no subscription

Digital products — instant-download PDFs you read on any phone, tablet, or computer; nothing is shipped. These are general educational guides, not financial, legal, or tax advice.

Your questions, answered.

What’s the difference between the two books?

They cover different topics. The UK Senior Survival Playbook (£20) is the complete 31-chapter guide to the big systems — the State Pension, Pension Credit, HMRC, care costs and your home — with every claim line, form and deadline, plus the Numbers at a Glance, calendar and one-week plan. Nobody Told You This (£7.99) is a short guide to 12 everyday money rights — card refunds, faulty goods, energy bills, power cuts, trains, flights, insurance, funerals and more — with a 5-minute money check, worksheets and cut-out cards.

Which one should I choose?

They’re two different books, so pick the one that matches your questions. For the biggest money of retirement — your State Pension, Pension Credit, tax and protecting your home — choose the Playbook (£20). If your budget is smaller, or your questions are about refunds, energy bills, travel and funeral costs, start with Nobody Told You This (£7.99). You can add the other one any time — no topic appears in both.

Do the two books repeat each other?

No. Each book covers different topics, so if you get both, you’re never paying twice for the same chapter.

If I start with Nobody Told You This, can I get the Playbook later?

Yes, any time, right here at robertretires.com/uk.

Do I need to be good with computers?

Not at all. After you buy, you get a simple link to download your book as a PDF. You can read it on any phone, tablet, or computer — or print it at the kitchen table. If you can open an email, you can use this.

I already get my State Pension. Is this still for me?

Yes — that’s one section of one part. Pension Credit, Attendance Allowance, the council tax reductions, the care and home-protection rules, and the full entitlements checklist all apply no matter when you started your pension.

Is this a subscription?

No. Each book is a one-time payment and yours to keep. Nothing is recurring.

Why is the Playbook only £20?

Because the people who need this most are living on fixed incomes. Nobody should have to pay £150 for an hour with a professional just to learn what they’re already owed. £20 keeps it within reach — and the book points you to free government help for everything else.

Will you call me or share my information?

Never. We only use your email to deliver your book and, if you’d like, to let you know when it’s updated. We never ask for your phone number, and we never sell your information to anyone.

Is this financial or legal advice?

No — it’s plain-English education to help you understand what you’re entitled to and what to ask. Rules differ between England, Scotland, Wales and Northern Ireland and change over time, so always confirm your own situation with the official source or a qualified professional before acting. Every source is cited in the books.