Episode Details

Can you buy back missing National Insurance years to boost your state pension? Money expert Martin Lewis breaks it down: if you’re already projected to get the full amount, paying extra is usually not worth it. But if you can snag those gaps for under £15 a year—or even just £50 as a safety net—it might make sense. He’d likely say no if it costs £950 for a full year, especially if you’re young. And beware: buying back years could later trigger means-testing. Bottom line? Only pay if it’s cheap—and only if you’re not already set to get the full pension.

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