Question Time: Keep saving hard, or spend more on my family? £30,000 stoozing success! Top up missing NI years?
The Martin Lewis Podcast
BBC
4.4 • 929 Ratings
🗓️ 20 April 2026
⏱️ 49 minutes
🧾️ Download transcript
Summary
In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: can I claim car finance mis-selling if I had an interest-free deal? Should I continue to save hard, overpay my mortgage and invest, or spend a bit more enjoying life with my young family? What do I do if my LISA bonus comes in after I’ve bought my first house? Do I need to top up missing National Insurance years at 36? We also have a brilliant success story from a couple of stoozers who’ve managed to build a £30,000 stooze pot, plus, you get to decide what we call you if you ask Martin a question on the podcast – but to find out how, you’re going to have to listen to the show! 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 ice cream flavour, if he’s ever pondered the meaning of life, 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. |
| 0:08.0 | We feel spiritually like we're as one, don't we? |
| 0:10.9 | As it wasn't disclosed to you, you won't know and can't know whether it happened to you without asking, did it happen to me? |
| 0:16.0 | If you're in a couple especially, I think both of you need to be on board to get it like the absolute max benefit. |
| 0:20.5 | We are doing something we've never done before. Isn't that what's good about question time? |
| 0:24.4 | It's so good. Hello and welcome to the cunningly named the Martin Lewis podcast. I do wonder what |
| 0:29.6 | that's going to be about. And this is our question time edition, where you get to ask me your questions |
| 0:34.9 | on absolutely anything and everything, open brackets within reason, closed brackets. And this week, to ask me your questions on absolutely anything and everything, |
| 0:39.1 | open brackets, within reason, close brackets. |
| 0:41.6 | And this week, you ask me, |
| 0:46.4 | can I claim car finance misselling if I had an interest-free deal? |
| 0:48.1 | Then we have a brilliant caller who asks, |
| 0:52.1 | should I continue to save hard and overpay my mortgage and invest, |
| 0:56.6 | or should I be spending a little bit more on enjoying life with my young family? |
| 1:03.0 | How do you balance emotional quality of life against financial security? It's a fascinating conversation that one. Then what do I do if my Lyser bonus comes after I've already moved house? |
| 1:08.5 | We've got a brilliant success story from a couple of stoosers. |
| 1:11.6 | They've built a £30,000 stews pot. |
| 1:14.6 | That's artificial 0% debt that they're using to save at high interest and make money on the money banks have lent them interest-free. |
| 1:22.6 | And finally, I'm 36. Do I need to top up my missing national insurance years? |
| 1:28.5 | Let's get on with it. |
| 1:29.2 | Play the theme tune. |
| 1:47.0 | Yes, we are back. And of course, it couldn't be the question time podcast without Professor, Dr. Sir Matthew Burnham, Asquire, |
... |
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