Question Time: Should you invest in gold? Student loan interest? How to get energy credit back?
The Martin Lewis Podcast
BBC
4.4 • 929 Ratings
🗓️ 22 September 2025
⏱️ 23 minutes
🧾️ Download transcript
Summary
Martin Lewis answers your questions on absolutely anything and everything (within reason!), including how to get energy credit back, student loan interest rates, should you be investing in gold, and is overpaying your mortgage worth it?
You can get in touch with the team by emailing martinlewispodcast@bbc.co.uk – make sure to send in your burning questions and any successes you’ve had following Martin’s advice!
Transcript
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| 0:00.0 | BBC Sounds, Music, Radio, Podcasts. |
| 0:05.8 | Hello and welcome to the cunningly named the Martin Lewis podcast. |
| 0:10.3 | I do wonder what that's going to be about. |
| 0:12.6 | And this is our new weekly question time pod, where you set the agenda. |
| 0:17.3 | You can ask me anything within reason, and I will try my best to answer off the cuff. |
| 0:22.4 | In this week's pod, you ask me, how do I get £700 credit back on my energy bill? |
| 0:29.0 | What can we do about the horrible interest rate on student loans? Should I be investing in gold? |
| 0:35.3 | Should I overpay my mortgage or just save instead? |
| 0:38.8 | And how does my granddaughter find her child trust fund? |
| 0:43.3 | I got meals. I got to pay. |
| 0:47.3 | So I'm going to work for a word for every day. |
| 0:51.3 | I got a mouth. |
| 0:52.3 | I got a fee. I got a bet. |
| 0:54.7 | I got a feed. So I'm going to make sure everybody is. Let's start the podcast producer, Matt. Do you have a good raft of questions for me today? Of course I do. Okay. Well, I shall be judging you and giving you a score at the end. What are you going to start with? We'll start with Lisa. Yeah. My boss said today it might be better to buy gold coins than invest in the company pension |
| 1:14.5 | scheme. What do you think? |
| 1:16.4 | Well, I think, first of all, your boss is really naughty. So let's remember, assuming the company |
| 1:21.5 | pension scheme is a classic auto-enrollment pension scheme, which you are legally entitled |
| 1:25.4 | to as an employee. that means if you contribute, |
| 1:29.1 | then your employer has to contribute as well. The minimum contribution is if you put 5% of your |
| 1:34.5 | earnings in, your employer has to put 3% on top. And that is virtually unbeatable. Now, an employer |
| 1:41.2 | should absolutely not by law, should not be discouraging you from putting money in the company pension scheme. |
| 1:47.7 | I don't know if this is a big company or a small company. If it's a small company and the person own the company, |
... |
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