6mth warning! For each £825 or less you pay you could gain £5,400+ by boosting your National Insurance years.

24:45But I'm just trying to come up in a form of structure. So let's just recap. Step one is do your check if you're missing national insurance years and check your state pension forecast. Step two is are you entitled to free national insurance years? And now we're into step three. If you're missing years from 2006 to 2018, you need to decide soon if it's likely worth buying years. And it's often age dependent. If I top the national insurance up at my age, 54, how much of a difference will it be? I think it means, will it make when I retire? It's going to... Well, that's step four. And this is step three.

25:21I don't know if I can cope with the order change, to be honest. OK, well, let's move on. Move off. OK, we'll come back to you, Alan. But I'm going to take his age and talk about his age in a minute. Go on, you've got another one. OK. Catherine, is it worth my adult children, age 20 and 21, backdating their contributions? They have no full years, although both did some part-time work from age 16. Well, let's do the age stuff now. So, look, if you're at or near state pension age, 66-ish currently, it's relatively easy to see if topping up will help. If your state pension is forecast to be under£221.20 a week and you can't plug scat for free, then buying extra years is likely to be lucrative for you.

25:58We'll do the numbers on that in a moment. And if you're already taking your pension, then the sooner you do it, the better. If you're aged, I would say, 45 to 60-ish, and these are my definitions, nothing official, it's less definite whether paying to fill the gaps is going to be good for you because the younger you are, the more time you have to earn enough qualifying years before you reach state pension age. So we don't yet know your situation. Here's a few things to help you decide if it's worth it. So this is our first person who was 54. The older you are, the less time you have to fill the gaps naturally.

26:32So 54, you've only got around 12 years left. If you're 40, you've got around 26 years left to naturally fill the gaps. Have you got years missing after 2019? Because remember, what's about to go with the ability to buy years from 2006 to 2019? If you have gaps after 2019 that would do the job anyway, well, even though they're a tiny bit more expensive, you could hold off making a decision now because you can decide once you're a little bit older if it's likely to be worthwhile by buying those later years. But if you don't have any gaps then you're only between 2016 and 2019. You have to make the decision before next April because that's when these transitional arrangements close.

27:14Clearly the more years you're missing the more likely buying years will help if you're that age because it's more difficult to fill the gaps. And if you're buying partial years cheaply, so let's say you've only got a couple of weeks to go and it's only costing you 30, 40 quid, in which case, it's a bit of a no-brainer. Just do it even if you're not sure because, hey, it's 30, 40 quid and it could be incredibly lucrative. And similar for under 45s. The reason I'd get under 45s to look is if you're planning to stay in the UK and work for much of the rest of your life, you've got plenty of time to fill the gap so it probably isn't necessary.

27:51But if you've got some very cheap partial years, let's say sub 50 quid partial years rather than normal 825 pounds, that you could just top up. You could almost see that as an insurance policy in the event you decide to move away from the UK or something happens that you're not going to earn years in future. And like most insurance policies, you accept that the money might just be wasted because you're never going to need to claim on it, but you have it there just in case you might need it. And so I'd say if it's costing you between 16 and 50 quid to top up a partial year, it's worth it. So the last person's question about my adult children who are 21, it's very unlikely anybody aged 21 should be buying years.

28:30But if they were just to look and find they were one week short and it was going to cost 16 quid, my instinct would be, I'll just buy it anyway. For 16 quid, I'll just buy it anyway. I think the maths I'm going to do now in step four, I think, will really help everybody understand. The most you pay for a year, of old years anyway, 2006 to 2019, is 824 quid. Now, the exact cost of topping up a full year depends on which year it is, but it's normally between£800 and£825 unless you're buying self-employed, in which case it's just£160 to buy an extra National Insurance Year. Now, each National Insurance Year, full National Insurance Year you buy, will typically add£330 a year to your state pension.

29:16And currently that is inflation-proof because the state pension goes up with at least inflation each year. The minimum it would go up with is inflation. So let's do it on the full year, and it might be a partial year, so it's cheaper. It might be self-inuered. You're paying£825 to buy a national insurance year, and it adds£330 per year to your state pension. If you live two and a half years and get your state pension for two and a half years, you have broken even. If you live for five years, you've got double your money back, including inflation. If you have the typical life expectancy for a man who is of age 65, which is living just under 20 years, then your£825 will net you£5 ,400 inflation-proofed.

30:14As women live longer, it will net them even more. Clearly, the sooner you die, the less lucrative this is. Once you're getting your state pension, the longer you live, the more lucrative it is. But the break-even point, even at the maximum cost of buying a year, for someone excluding tax, is two and a half years, which is way, way shorter than most people's life expectancy. So this is very lucrative if it is right for you, and we've got all the other caveats there. I'm sure you've got some questions on this as well. Steve says, is it still worth topping up if you're going to be in the 40 % tax bracket after retiring?

30:51So let's do the maths on that. You're gaining around£330 a year pre-tax. You're paying tax on it, so your gain, let's assume all of that is taxable, is going to be, well, let's take 40 % off that. What's it going to give us? Take you down to about£210. So you're paying, if you're having to pay the full amount and you're not self-employed, you're paying£825 and you're getting back£210 a year. So your break-even point is four years. If you live four years to get the state pension, you would break even. Eight years, you'd get double back your money, including inflation, unless they get rid of the triple lock or the inflation lock.

31:26If you live 12 years, you'd get three times your money back. If you live typically what you would do, then you're going to be getting back four or five times what you put in, which is even as a higher rate taxpayer, there is very little that you can do with safety. The big risk here is you don't live long enough or there's some systemic change to the state pension. We can talk about that in a bit later. But yes, based on the current situation, absolutely it's worth it based on typical life expectancy. Carol, it's got four years missing. I don't see the point in paying£3 ,200 to cover it. If I did have that sort of money, I'd be better off putting it in the bank and getting the interest because if I died before I get my pension, that money is gone.

32:08but in the bank it will go to my husband, or if he's gone, the children. Carol, I don't like to hear you talking like this, but I get the drift of the question. Well, look, you are right. If you die before getting your state pension, then you don't get this. That's true. But the number of people who do is very, very small. So, you know, and typically a woman aged 65 is going to live typically to be getting on for her late 80s. That's typical life expectancy. Even if you're shorter and you go at 80, you know, your£3 ,200 with interest at 5 % is going to be earning you, what, £150 a year on top?

32:51So, you know, rough figures, you know, 10 years time, you might have four, four and a half grand in there. If you put it into this, you're gaining£330 a year pre-tax per year. You're buying four years. so you're gaining£1 ,300 per year. You live two and a half years, you get your money back. You live five years, you get double your money back. You live seven and a half years, you get treble your money back. Putting it in the bank is not comparable. You are right though, this is a gamble on life expectancy. I can only look at statistical averages and when you have a statistical average, 50 % of people, if it's a median average anyway, are going to live longer than the average and 50 % shorter.

33:38You would have to live very, very, very substantially shorter than typical life expectancy for it not to be worthwhile for you. You would have to be going in your 60s, really, before you're actually losing money on this for most people accepting tax in that. Now, look, that will happen sadly to some. And you may know stuff about your life expectancy. You might have an illness or be a smoker and all these things or combined or have obesity, all of which can bring down your life expectancy. And you can make a judgment on that better than I can. But all I can tell you is based on current information, if you live to typical life expectancy, this will smack the pants of putting it in the bank if it's right for you and you've gone through all the other checks.

34:18Darren, 10 years ago, I worked in Korea and paid their tax and pension credits for around 18 months. Before I started the job, I called HMRC and was told I already had 30 years pension credit, but then the pension age limit increased, and I have been working as a limited company since that time. I've checked the YouGov website, and it says I have six years now missing that I could pay back to make my total 36 years. At this time, I'm 59, so still have a few years before my pension would kick in. Is it worth paying for the missing years, or just pay as I go until I retire? Well, this takes me very well to step five.

34:56Step five is if you think National New Assurance Years is right for you, if you're not sure, before you shell out, there are some important safety checks. Even if it looks like a no-brainer, you need bespoke calculations. And this is how you do that. If you are already at state pension age or within four months of it, you have to phone the Pension Service. There is no other way. It's called the Pension Service. You need to phone them and they will go through with you bespoke and I get great feedback as long as you can get through. I get great feedback from the advisors there who will talk you through whether it's right or wrong for you.

35:31If you're under state pension age and either filling self-employment or working abroad gaps or you hold a married woman's reduced rate election certificate or home responsibilities protection and eligibility, then you need to phone the future pension centre who will do the same thing. So pension service if you're older, future pension service if you're younger, one-on-one, good feedback on their advisors. Everyone else can go online and you go onto gov.uk and you do the check your state pension forecast and then that tool will either say, yours is pretty complicated, you're going to need to go and call an advisor.

36:08Or they'll say, yep, here's the information you need, we've done the checks for you, you can buy it, here's how you buy it. So the answer to that question is, I can't answer it, you need someone to go through it one-on-one and those are the services who do it one-on-one. Now, it's worth me saying a few things. Even that bespoke advice does not cover every situation. They won't tell you if you're entitled to free years, which is why I did them in step two earlier. They won't tell you if it will push you into a higher tax bracket, which we've talked about, which can reduce, or they shouldn't end the benefit.

36:38They won't tell you that if you've got no other income, getting a state pension, a full state pension, could mean you miss out on pension credit and thus winter fuel payments and therefore may not be worthwhile. It will be in most cases and most people in this circumstance. It will be worthwhile, but may not be worthwhile. Those are the things they won't tell you about. I'll answer more of your questions on boosting your state pension towards the end of the podcast. First, though, this.

37:11Pressure off me and on to you, Adrian. Right. It's Mastermind. The current score is Adrian has got two right and two wrong, which, to be fair to him, as it's a three-option multiple choice, is better than random chance. So well done to you, sir. Sort of dabbing with faint praise. Well, I actually think it's not bad. These are difficult. So now, our Adrian is the type of man who likes to save for a rainy day in order to buy an umbrella. With much of the rest of his savings, he's bought pasta. It was worth every penny. Sorry, they're not good. And the final amount... This just puts me off my stroke list, does.

37:44I'm trying to concentrate here. OK. It's always the beginning. It's just a little bit of warmth to get away from the technicals. It's not my strongest week. I quite like that it was worth every penny. But anyway, the final amount he's put in the savings account, which is what allows me to ask today's question. That's the bit when I say that that you now know we're onto the meat. Right, OK. OK. So, Adrian, which of these is the key one that counts as crystallising interest for tax purposes? It'd be easier for you to imagine a fixed rate savings account to work this out. A, is it the day the interest is added to your account?

38:21B, is it the day you can access the interest in the account? Or C, is it the day you withdraw the interest from your account? So for tax purposes, which of those three crystallises the tax? is it when the interest is added, when you can access the interest, or the day you actually withdraw the interest from the account? Do you understand the question? I do understand the question. Give me your thinking. Well, if it's from the day the interest... I mean, the tax is surely levied on the amount, on the level of interest whenever you take it out. Surely it's got to be added. So what we're talking about is you get an interest payment.

39:12Yeah. Which tax year is that interest payment in? Is it in the year when the interest was added, the year when you can access the interest, or the year when you withdraw the interest, if they were all different years? That's what I'm talking about. And that matters. And the reason, well, you think I'll explain, sort of do part of my answer without giving the answer away. The reason this matters is because, remember, most basic rate taxpayers can earn up to£1 ,000 of interest a year without paying tax on it. Higher rate taxpayers can earn£500 of interest a year without paying tax on it. So when the interest is levied matters, if you've got a fixed rate account and you're getting a lump sum of interest, when does it count?

39:49When they're accruing the interest in the account, when you can access the interest, when you can take it out. Because knowing that means that you can manage when you get your interest so that you can put it in the right year where you will pay less tax on it. That's why this is an important question. Matt's giving you a thinking time. I'll go for when you withdraw it. So answer C, when you withdraw it. OK. Well, the first thing to say is when the interest is added to your account is irrelevant because that's just an accounting thing. You know, that's just them telling you how much interest you've earned.

40:20In a fixed rate account, if it's added but you can't access it, it's irrelevant. if it were when you were to withdraw the interest then it would effectively be you would have a great degree of control over this so could manipulate the tax situation to put it when you wanted it which is why that's a the actual rule states it's the moment you can choose to access or withdraw the interest so if you are paid the interest and you can take that out of the account, even if you would have to pay a penalty to take it out of the account, then that is the moment for tax purposes that you have earned that interest and that is the year it goes through.

41:02So if you're getting a fixed rate account, this is why it's important to think about whether you want monthly or annual interest. If you have monthly interest that you can access, then that interest may be being paid much earlier. Now, if you're tax affairs and you're not going to pay tax, it doesn't matter. But it may be, for example, you're retiring next year, so you're going to be a lower rate taxpayer, are getting a fixed account where you are paid interest only at maturity and you can only access it at maturity, you're effectively deferring the interest to when you're a lower taxpayer so that you will pay less tax on the interest.

41:33So it is actually important to understand when the interest is paid and when you can access that in order to be able to plan what interest you're getting on your savings accounts. And Adrian, the Mastermind score, you now have two right. Three wrong. You started, you got the first two right. I was worried that you were just too good at this. Everything I do, I show early promise, even as a novice. It could be golf, horse riding. I mean, anything new, I tried. I think, oh, you can be good at that. And then I just tail off. You peter off. Just become mediocre and average mediocre and then ultimately below average and I end up just rank poor.

42:13So this is just my life. and I think what people love what people love about you Adrian is your glass is always half full approach to life oh it's tough tell us what do you have in your house that you haven't used in the last year and if so would you sell it Annie I asked for a certain expensive cake mixer for years I whined begged pleaded everyone chipped in as a family present it's sitting on my kitchen island for a year I adore it, but I'm terrified to use it. I keep using my old banger cake mixer. My family don't know. Thank you, Annie, for your confession. We appreciate it. This is all about whether you should flog things or not.

42:55I think in your particular case, as it's unboxed, Annie, you've confessed. Give it a go. When no one's in, just get some little cake mix and have a little try of it and see what it does. And maybe it will bring you the joy you originally thought it would. What have you got? A sandwich toaster. The rule is you're buying one, you make toasties out of everything for three months every night, and then it never gets used again. That's about right. That is. I actually have one because my little girl likes me to make her daddy sandwiches, and we do it in the Toasted Sandwich Maker, so it comes out roughly once a month when I do that.

43:30So mine's a little better. Jane, a Christmas pudding from 2017. I'm the only one who eats it, and it's too big for one, so it never gets heated up. Maybe this year. Hmm. I mean, Renata's got two Nikon SLR cameras and a very special macro lens. That's a very specific automatic ice cream machine I haven't used in years. Yep. Been there. Snowboarding kit. Portable Hoover. Henry tends to do the trick. It's the other way around for me. I've got a portable little Hoover thing and I never got the big one out. Oh, really? So you're often out there on your hands and knees with the little Hoover just fliggling it around.

44:07I like Marie here who says pretty much my entire CD collection. And I do think that's interesting. I mean, we've moved to a world of streaming, but I always had an issue with CDs and albums and records that we changed the format and you didn't have a licence to the music, you had a licence to the physical equipment. And I think that when you bought a CD, you should be able to, for a small fee, transfer that into, say, a download right without having to pay the full amount because you've already bought a right to listen to that type of music, but that practice never came in. Lorraine says, by the way, in my house it's too big.

44:39It's all well and good that people want big houses and open-plan living, but you have to be able to live up to it. I just can't live up to mine as it's overwhelming. I really don't know where to start with cleaning, especially since my youngest was in hospital recently for five and a bit weeks. Any advice, please? I mean, I don't think she wants cleaning advice or whether to downsize or what. Do you know, there's an important point here. I had somebody talking to me the other day, a lady who was in her early 70s, and she was talking about her big house and she wasn't getting round to it. I have a rule and I hope no one finds this patronising.

45:07I tend to think people who have the big family house and are planning to get out of it because it won't be suitable when they're older and they may not be able to do the stairs. Do it in your 60s. What tends to happen to many people is they're in the 60s and they're going, well, when we're in the 70s and we're a bit older, we'll move. And then every few years they look back and very quickly you get to the point where we go, we're too old to move. I've heard this. I cannot tell you how many people have said to me, well, we're too old to move now. I wish I'd done it years ago. So I think I would say to anyone who has a house that's too big for them or will be too big for them once the family go, you need to be clinical and quick to take advantage and get out while you can and move to a property that's more suitable before you need the property that's more suitable.

45:50Because if you leave it to the time that you actually need a smaller, no stairs type of property, then you're probably not going to be in the mood or the position where you feel comfortable or capable of actually doing the move and there are going to be many more barriers to doing that move. So we all need to be a little bit more prescient and predictive about moving. I guarantee there are people listening out there who wish they'd moved years ago and find it too late now and others thinking about it and putting it off who actually should be making a decision and saying you know what we don't need all these extra rooms let's go somewhere small and more suitable without stairs and that'll suit us for the next 15 to 20 years.

46:29Now, there is never an end to state pension boosting and you unsurprisingly had a lot of questions. So I want to go through a few more. And with me, I have PPS, podcast producer Simon, who's going to ask me them. Hello, Simon, how are you this week? I'm fantastic. Always great to be here. Sue actually got in touch asking, my dad will need to invest£8 ,000. Is there any chance at all that the state pension will become means tested? Well, as I always say when asked questions about gazing into the future, Parliament is omnicompetent. Parliament can choose to do anything. It can choose to make the state pension means tested.

47:03I think it would be a very interesting question if it did make the state pension means tested, what would happen to people who would paid? I think it is unlikely, but that is unlikely looking through my 2024 eyes. You know, in a future in 2041 when you have flying skateboards and people are reading almanacs about what's going to happen. No, that's back to the future plot. Anyway, in a totally different world in 2040, I can't make the prediction of whether these things will or won't happen. I think there would be a big issue of justice if it were to happen. The state pension has never been means-tested.

47:38But what I've done and run through already are the known risks and the known things you need to consider. And then there are a whole pile of unknown risks. And those unknown risks apply whatever you're doing, whenever you're putting money in savings or whether you're investing or any use of your money. And those unknown risks apply here too. So is there a chance? There's always a chance. Do I think it's likely? No. Would I make my calculations based on it? I would say I would factor unknown risks in as a small percentage risk. So if it were a very close, fine decision of whether you should do it or not, because it wasn't going to be that lucrative for you in your personal circumstances, then this could probably tip me over the not doing it.

48:20But if it looks overwhelmingly positive for you like you're going to make a lot of money on the back of it then I would do it and I would just accept that there are always risks in life. So I can't tell you because I mean only the Chancellor and she doesn't tell me things like this can make that decision. I don't believe there are any current plans in place to means test the state pension. But who knows? I mean equally they could wipe the state pension. They could say there's no more state pension. That is an allowable decision. It would be shocking. I would be campaigning against it vociferously.

48:50But we have to accept it's the Donald Rumsfeldtian idea. There are known risks and there are unknown risks. And there are some risks that are so unknown, no one is going to be asking me a question about them because no one's thought of it yet. And I don't have an answer to it yet because we don't know it. And all of those do need to be factored into any decision in future. But ultimately, if we allow the totally unknown risk to stop us doing things, we would never do anything. And most actions we take are often better than inaction. CSL got in touch. They're 59 but retired early and they want to know if they spent a few thousand pounds now to top up their state pension, whether or not the age in which they're eligible to claim it is likely to change due to having to wait until they're older than 67 to claim the pension.

49:31Well, I mean, the current age is 67 and there are plans that it's going up. I can't remember the exact year. I think it's around 2040 to 68. Now, we have seen before them increase the acceleration of the age at which you get your state pension. The huge cost to state pensions to the government and to the state is an issue in many developed countries. So it is not implausible that they will increase that age. but in terms of boosting your state pension if we assume it's not being means tested like the former question asked then this is just you know I go back to the break-even point the break-even point for most people if we don't factor in taxes around two and a half years of getting the state pension and then you get back what you put in so all this does means is it it's still the same break-even point you just start later so it takes one year off what you'll get because your typical life expectancy wouldn't have gone up but you're starting getting the state pension later I don't think it makes very much difference to the risk assessment.

50:29If they decided they were going to up the state pension age to 75, it would. But I don't see that happening. I don't see that happening for a very long time because life expectancies aren't there yet. And that would be an electoral issue, I would think, of a very substantial proportion to go to 75. They might decide we're not going to go to 68 in 2035 instead of 2040 or something of that order. So I think if you look at the orders of magnitude of the gain of this and you contrast that to the risk of the state pension age going up by a year or so, it's pretty trivial. I wouldn't worry about it.

51:03Caroline says, my national insurance contribution record states I've paid enough up to date, but I stopped working in April age 57, not claiming benefits, living off my husband's salary. Should I make some NI payments going forward, particularly if I don't work again before pension age? Call the future pension service and discuss that in your circumstances. The problem with this is always it's that big ish I started the programme with. You need 35 years ish. Ish. It's an ish. And it just varies. Some need 43. So I don't know how many years you need in total for you to get the full state pension.

51:45And without that piece of information, I can't answer your question. So you need to have an understanding of that to understand whether you need to buy extra national insurance shares, either going forward or going back. That's why I always say go through that bespoke situation. You might already have enough that you don't need any more and therefore you're going to get everything you need. Or you might need more years. And if you're not going to get them by working, you will want to buy them. Generally, yes, buy them. It's the same equation I did earlier. For most people living to typical life expectancy, the cost of buying national insurance years is trivial compared to the uplift it will give you in the state pension in future, as long as you've got over 10 years of years in total, because then you don't get anything.

52:2710 years of national insurance contributions in total, then you don't get anything. The language is complex in this. Lorna, I've got my full 35 years and my forecast is currently the full amount. I no longer work early retirement, so not paying contributions. will I remain at the full amount now or will it begin to drop? So again, that prediction is often predicated on the fact that you will continue to work. I don't know your age. You need a conversation with the future pension service. She says she has 10 years until she takes a state pension. Well, my guess would be if you're not working now, then I doubt you will have a full pension when you retire if you're not getting any future national insurance contributions.

53:02Again, you know, there's grey areas here. I don't want to give a firm answer. Well, my firm answer is speak to the future pension service.

53:12OK, you lucky, lucky podcast listeners, it's time for that little bit of the show where I give you tips that aren't on the main show. Now, I feel we've done quite a lot already today, so I don't want to overload you. It's just a bit of a calendar item I'm going to give you this week, which is if you're going to be doing your Christmas shopping online, specifically, I'm talking about your food shopping for the Christmas meal, you need to start booking your slots early. For example, Waitrose has already said that 70 % of its slots for Christmas 24 have already been booked, with 9 in 10 slots for the 23rd of December filled.

53:44So, here you go. Asda has slots available for its delivery pass customers now and slots for other shoppers will be available from Tuesday the 22nd of October. Co-op and Iceland both have slots only open five days before chosen delivery. Morrison's has slots open now for Christmas if you want to book. So does Ocado. Check your emails or your online account. Sainsbury's opened, as I'm recording this, yesterday, Wednesday the 16th of November for delivery pass customers. And for other shoppers, its delivery slots for Christmas will open on Wednesday the 23rd of October. Tesco opens its slots for its delivery pass customers on the 5th of November and for everybody else on the 12th of November and Waitrose slots are open now.

54:28So just a quick note, I know it's ridiculous, it's absurd, it's unthinkable. Jingle bells, jingle bells. No, we're not doing Christmas. I'm talking Christmas now, but those Christmas delivery slots go early. We may be in mid-October, but work out and go and have a check of what your supermarket's policy is and make sure if you want them, you're going to bag them soon or you might not be able to bag them at all. And then you'll have to go into the supermarket itself and you'll have to carry lots of bags and bags can be heavy and we don't want that. And I think I'm talking unnecessarily and should just shut up.

55:00That is it for this week. It's a really important one. I do hope you've enjoyed it. Please tell friends, tell family, especially those between the ages of 40 and 73, that this is an important listen and they should give a listen to this week's Martin Lewis podcast too. And then what? You never know. They might start listening in future. And if that's you and you've listened for the first time, I do hope you've enjoyed it. Why not hit subscribe to wherever you listen to podcasts and then you won't miss it in future and your pocket will be pleased with you. We tend to put out a new one every Thursday.

55:31Bye bye. I got meals. I gotta pay. So I'm gonna work, work, work, work. I gotta mouth. I gotta feed. So I'm gonna make sure everybody eats. Martin Lewis is the founder of moneysavingexpert.com. But of course, other consumer and price comparison websites are available. You can get in touch with Martin's podcast production team by emailing martinlimisspodcast at bbc.co.uk. The offers and rates mentioned in the podcast are correct at the time of recording. However, if you are listening on demand, it's worth double-checking as details can date. Remember to subscribe on BBC Sounds and leave us a review however you listen.

56:24BBC Sounds. Music, radio, podcasts. Every morning, Rick and I wake up with you on 5 Live Breakfast. 5 Live Breakfast with us two. I am doing a lot of chucking out. I'm even considering getting a skip. Are you? Anyway. You can't sort of mobile skip. Just use that. That is true. 5 Live Breakfast with Rachel Burden and Rick Edwards. Things to be proud of in the UK. Alan in Cookham says queuing. We are excellent at this. Disciplined. Orderly. Unquestioning. We will sit in traffic jams for ages without even tooting. Wow. Then he also says maybe that's because we're not moving on a road. We're being physically assaulted by pot holes.

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