Question Time: Best kids’ savings or investments? Pension at 50? Which mortgage to overpay? Snakes, or an angry gorilla?
The Martin Lewis Podcast
BBC
4.4 • 929 Ratings
🗓️ 2 February 2026
⏱️ 33 minutes
🧾️ Download transcript
Summary
In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: why do I pay interest even if I pay off my credit cards in full? Where’s the best place to save and invest for my young children who have pension income from my late husband? I’ve got two mortgages on my house, which should I overpay? What’s the best place for me to start a new pension aged 50? Plus, would Martin rather be locked in an empty shopping centre for 24 hours with 1000 snakes, or one angry gorilla? Listen to find out!
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 if he’s got a favourite marsupial, how many miles he could walk backwards, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.
Transcript
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| 0:00.0 | BBC Sounds, Music, Radio, podcasts. |
| 0:08.3 | Now, cash withdrawals on most cards, you have to pay interest for the month. |
| 0:13.5 | Hello, Matt and Martin, Martin and Matt. |
| 0:15.8 | I'd look at paying the one with the highest interest rate, because that's the one that's growing faster. |
| 0:18.8 | What's she doing? |
| 0:20.3 | It's a body of a |
| 0:20.9 | dragon, my face, breathing fire, but you may think it's not a good answer. Hello and welcome to the |
| 0:26.8 | cunningly named the Martin Lewis podcast. I do wonder what that's going to be about. And this is our |
| 0:31.9 | question time episode where you get to ask me your questions on absolutely anything and everything, |
| 0:37.1 | brackets within reason, |
| 0:37.9 | close brackets. |
| 0:38.7 | This week, you asked me, why do I pay interest if I pay off my credit cards in full? |
| 0:44.9 | Where's the best place to save and invest for my young children who have pension income from my late husband? |
| 0:50.2 | I have two mortgages on my house. |
| 0:51.8 | Which do I overpay? |
| 0:53.2 | What's the best place for me to start a new pension aged 50, and Martin, would you rather be locked in an empty shopping centre for 24 hours with a thousand snakes or an angry gorilla? |
| 1:04.1 | Play the theme tune. |
| 1:04.8 | I got meals. I got to pay. So I'm going to work for it. I'm going to work. I'm going to work. Hello and welcome to our question. |
| 1:11.6 | I'm going to work for everybody. |
| 1:23.6 | Let me introduce he who must be obeyed, the curator of questions himself, Mr Matthew Burnham, Asquire. Full name in me. Do you know, not many people do that. Can I check? Go on. Are you a property owner? I'm not, no. Can I, don't edit it. We'll just, I'll make an apology on air. Let's delete the Esquire. |
| 1:45.1 | No, no, I like the Esquire. You can't have it. I believe to be in Esquire, you have to own property. Rosie, Rosie, who's listening, Rosie, can you let me know and we'll check whether I'm right or not about Esquire a little bit later in the podcast. But let's get on with the question Before we get into it. |
| 2:00.1 | You were talking on the podcast with Adrian |
... |
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