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Hello, today on the Moneybox Live podcast, we're talking about the financial impact of having a disability, because life can be much more expensive.

Heating and energy bills can be higher, and transport can be harder. What should be a sort of

four or five pound tube journey is then a £30 taxis journey across London? Research from the charity's

scope suggests that disabled households have to find an extra £1,000 a month just to have the same

standard of living as non-disabled households. It also means navigating benefits.

And this morning, the Chancellor at Rachel Reeves said she will deliver fundamental reform to the

welfare system with a focus on the rising cost of health and disability benefits. Before we meet

today's panel, let's hear from Charlie, who became paralysed in his 20s while serving in the

British Army. When I was about 25, I was injured at work whilst I was serving in the military and I had an injury on training,

which left me paralysed below the waist.

And so I found myself kind of lying in a hospital bed at the age of 25 going,

what is going to happen to my life, my

relationships, and my career. And it was this kind of overwhelming feeling of sort of loss,

...