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More information on the stories featured in this week's edition of Money Box can be found in the related links section below.

Millions of people in the UK are left out when it comes to accessing basic financial services like bank accounts and loans. It means many low income households find themselves turning to, and relying on, higher cost alternatives. The House of Lords Select Committee on Financial Exclusion has been investigating possible ways of tackling the issue. Its Chair Baroness Tyler of Enfield outlines the report findings and recommendations and we also hear from Damon Gibbons, Director of the Centre for Responsible Credit.

The author of the government's first independent review into the future of the state pension age speaks to Money Box. John Cridland also explains why he decided not to go ahead with a variable age recommendation which might have made it possible for some people to retire earlier.

The Lifetime ISA aimed at helping people to build up a first home deposit or save towards their retirement is due to launch on April 6. How does it work, what are the risks and why will savers struggle to find one when it goes live? Tom Selby, Senior Analyst at AJ Bell discusses.