The Martin Lewis Podcast - Question Time: At last, I’m debt free - what now? Overpay my mortgage or invest? Do I need pay NI if I want to retire early?
In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: should I 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 National Insurance to get a full state pension? Should I overpay my postgraduate loan? Robert tells us his inspiring story about finally becoming debt-free for the first time in his adult life and asks Martin what he could do with his money next. Plus, does Martin dye his hair? You’ll be surprised by his answer!
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 what time his alarm goes off, if he’s got any pets, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.
Published on Monday, 19th January 2026.
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