“I Don’t Get Money!” Back-to-basics special on pensions, savings, car insurance, energy and more

“I Don’t Get Money!” Back-to-basics special on pensions, savings, car insurance, energy and more

July 16, 2026 · 41 min

About this episode

Martin Lewis breaks down complex financial concepts in a back-to-basics guide to money.

In this special I Don’t Get Money edition of The Martin Lewis Podcast, Martin goes right back to basics, tackling the financial concepts listeners have always found confusing but were perhaps too embarrassed to ask about. From understanding exactly how pensions work and what an energy ‘unit’ actually is when it appears on your bill, to unpicking the difference between saving and investing (and whether investing is really just a form of gambling), Martin breaks down the jargon and explains the fundamentals in plain English. Along the way, he answers listeners’ questions on why Section 75 credit card protection doesn’t extend to additional cardholders, why car insurance premiums can rise even after a no-fault accident, and whether responsibility for faulty goods lies with the retailer or the manufacturer. Plus, Martin demystifies one of the most misunderstood financial products of all: bonds. What are they, how do they work, and are they right for you? Whether you’re baffled by pensions, puzzled by investing, or simply want a clearer understanding of the financial rules that affect everyday life, this is a back-to-basics guide to money that aims to make the complicated simple. If…

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Host: Martin Lewis

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Organizations: BBC Radio 5 Live

Products: pensions, savings, car insurance, energy, bonds, credit card protection, faulty goods, investing

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