
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?
Published 1/19/2026
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?…