Everything you need to know about ISAs (Cash & Shares) - but were too afraid to ask!
The Martin Lewis Podcast
BBC
4.4 • 929 Ratings
🗓️ 11 December 2025
⏱️ 67 minutes
🧾️ Download transcript
Summary
Martin Lewis tells you everything you need to know about ISAs - the Cash, Stocks and Shares, Help-to-Buy, and Lifetime varieties – as well as what ISA changes in the budget means for you. Martin talks about the government consultation on replacing the Lifetime ISA and tells you if it’s still worth it. Plus, you tell us your cheap Christmas magic tips, Mastermind is all about car insurance renewal, and do you know where your stopcock is? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite font, what his go-to coffee order is, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.
Transcript
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| 0:00.0 | BBC Sounds, Music, Radio, podcasts. |
| 0:07.9 | An Issa isn't a product. |
| 0:09.7 | An Issa is just a rapper that protects you from tax. |
| 0:12.8 | Five gold rings. |
| 0:15.6 | When you put money inside an ISA, it is tax-free. |
| 0:19.1 | You can have as much as you like in there, but you can only |
| 0:21.4 | put in £20,000 a year. If you don't know where your stopcock is, find your stop-cock. Hello, I'm Martin Lewis, and this is the cunningly named the Martin Lewis podcast. I do wonder what that's going to be about. Now, usually much of it comes from my BBC Radio 5 live show with Adrian Chiles. But there's also bonus money saving |
| 0:38.4 | tips just for you lucky, lucky podcast listeners. In today's pod, it's an ICER spectacular. There were |
| 0:44.8 | big changes to the ISA regime announced in the budget and we have been swamped with questions ever since. |
| 0:50.2 | So I'm going to cover everything you've ever wanted to know about ICER's but we're afraid to ask. |
| 0:54.7 | I'll take you through shares, Isas, Cash Isis, the tax gains and how to make them sing for you. |
| 1:00.0 | Plus a special section on the future of the first-time buyer and retirement specialist Issa, the Lifetime Iser, |
| 1:07.3 | with a consultation due to replace it, is it still worthwhile? |
| 1:11.1 | This week's Tell Us is all about how to add some magic this Christmas at no cost. |
| 1:15.0 | The mastermind is about a little known car insurance catch. |
| 1:19.0 | And do you know where your stopcock is? |
| 1:22.1 | Play the theme. |
| 1:22.8 | I got meals. |
| 1:25.2 | I got to pay. |
| 1:27.1 | So I'm going to work for it so I'm going to work for it and just pay for me. split it? Or would you do the honourable thing and just |
| 1:44.3 | pay for me? Is it a date, Adrian? It'd be a mandate, yeah. I think it depends on whether it was |
| 1:52.9 | work, whether it's being charged to work, expenses. It would also depend on who had asked who. Do |
... |
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