Martin Lewis issues ‘final’ warning to 40-73 year olds

Martin Lewis has issued a ‘final’ warning to 40-73 year olds. The BBC Sounds podcast presenter and ITV star took to Twitter, now X, as he issued a National Insurance warning about buying extra years and contributions to top up your pension.

Mr Lewis wrote: “My last tweet on this (for now). If you’re aged 40 to 73 in particular and haven’t checked your National Insurance record, please listen to this, you could be £10,000 better off. stop if you do.”

In the original tweet, which Mr Lewis retweeted, the Money Saving Expert founder said: “New Pod. The most profitable topic I have ever discussed, some earn £10,000. For every £800 or less paid, you can earn pounds. 5,400+, but the clock is all about the extra years (under 73 only).

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In response, one follower asked, “Hello. I worked in the EU for 12 years and paid all my social security there. I understood at the time that everything was transferable between EU states. I’m back in Britain, you know. has anything been resolved with brexit or am i just a 12 year gap in NI – hi?

“Is under 50 really worth it or are you just going to make up the years of work? I’m missing 3 years I think,” asked a second. A third said: “Martin, the one thing I would like you to draw attention to is the military wife, when they accompany their husbands overseas, child benefits would be paid to their husbands.

“Then they would lose National Insurance credits and could miss years.” Another said: “Great question, but why contribute for another 23 years if I only have to contribute for 5 of them to get to the full state pension? It surely cannot be right and this wording is ambiguous!!”

Another asked: “I’m great, thanks! Quick question: I’m 55 years old, had 2 gap years before 2006 when I went back to college after working full time for many years. I don’t see how to check if I can get those years back for free. I know I can’t buy them for around £20 a week.