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The pandemic has led to job cuts and reduced salaries, so does going to university still make financial sense? And if you took a cut in wages during lockdown but are now back at work, how should you talk to your boss about pay?

Listeners share their stories and get expert advice on managing money in the time of coronavirus, including:

- How to increase your chances of getting a job in the post-pandemic world.

- Whether a change of career is a good idea right now.

- And where you can get financial help if you are struggling to survive.

Plus money for nothing – the arguments for a universal basic income - where everyone is guaranteed a minimum wage without the need to work for it.

Email the team your stories, questions and suggestions: yourmoney@bbc.com

Paul Lewis and Manuela Saragosa are joined by:

Oluwatosin Olaseinde, founder of Money Africa in Nigeria
Farnoosh Torabi, the award-winning financial strategist and host of the So Money podcast in the US
Mitul Lakhani, the CEO of iMoney a financial comparison website operating in Malaysia, Indonesia and the Philippines.
Professor Andrew Norton, an expert in higher education based at the Australia National University.
Leire Rincon, chair of Universal Basic Income Europe.

Producer: Joe Kent
Editor: Emma Rippon

(Image: Socially distanced Graduation, Credit: Reuters)

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