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Make sure that you have a cash emergency fund.

Every great journey starts with one step, you know,

and we just have to take that for that first step and just go with it.

What I certainly wouldn't do is be buying yours just in case now,

because you don't need to.

I thought it was a bit weird if I just sort of tapped them on the shoulder and said that. Genuinely, my eyes watered when you said

you're going to have your debt-free day. Hello and welcome to the cunningly name the Martin

Lewis podcast. I do wonder what that's going to be about. And this is our question time episode,

where you asked me your questions on absolutely anything and everything within reason.

This week, you asked me, should we prioritise saving, investing, overpaying the mortgage

or children's savings for our new baby?

I want to retire early, do I need to pay for extra national insurance to get a full state pension?

Should I start overpaying my postgraduate student loan?

Martin, what's your beauty regime? Hey, I answer the questions. I don't ask them. And to finish,

an inspiring question and conversation you just have to listen to. I had tears in my eyes,

to be honest. Robert is in his 40s and has been in debt all his adult life. But now,

having worked hard for the last few years, he's about to have his debt-free day next week. And

he wants to know, what does he do with his money now? Play the theme tune. Hello and welcome to ask. Hello and welcome to our question time podcast where you get to ask me anything and everything you like, brackets within reason,

close brackets. You know, I have to have a little self-dignity and privacy left. And of course,

joining me, it's the one and only, the person you've all been waiting for, the custodian of questions himself.

Mr. Podcast producer Matt Burnham Esquire.

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