Making Tax Digital has come in, meaning hundreds of thousands of people need to make their first quarterly report to HMRC this week - and during the summer holidays to boot. Georgie Frost, Simon Lambert and Lee Boyce cover what you need to know about the changes and whether it's a good move. How easy is it to find the right software, will it help reduce the 'tax gap' and who will need to start using it? A retirement giant has warned the Government's inheritance tax raid on pensions next year will undermine faith in saving long-term for later life. Heading off on summer holidays?