Question Time: What money mistakes do married couples make? Can we afford to upsize? How do you repay two student loans?

23:14Martin Lewis:Okay. Well, I mean, you could, if you're not on a water meter, it's just worth noting, how many of you will be living in the property? Just the two of us. So you're two in a three bed house. Well, my rule of fun is if you've got the same number as people, you've got, sorry, you've got the same or less people in the house than bedrooms, you're generally better off on a water meter. So this is three bedrooms, there's two of you, you will probably be better off on a water meter. So if you're not, that's something you should look into. The Consumer Council for Waters website has a good estimator there.

23:45Martin Lewis:If you are on a meter, well, one would argue it might be a little bit more than it is right now, but it'll probably be roughly similar because it's more about how many people are using water in a household rather than the property itself. buildings insurance um will be bigger uh the because you need to ensure the rebuild value of the property so that's something that you will need to look at content insurance may be bigger because more space means you accumulate more stuff and the postcode can change that but i don't think that will change that much but you know what the biggest one is this your first owned property yes the big one and it's very difficult for me to help you but the one thing i would throw at you maintenance and repairs you've got a three bed three four floor property there are going to be maintenance and repair costs it's difficult to factor in what they are but uh my general rule of thumb is they'll always be about twice as much as you expect them to be okay okay i think that's it i can't think of anything else that i've missed does that does that help you a bit it does thank you on energy when you say they they set it high till they don't know that on a monthly direct debit they may do that with limited data but pretty soon you can get in touch with them i mean you're not actually paying extra money it's just a cash flow they might be taking more off and then you you would build up a credit and you would be able to get that credit back so i wouldn't worry about it too much with the council tax i don't know if i remember correctly but i think i remember you saying that this is that that tends to be on older properties from when they first introduced the system is that correct it is yes yes you're right you said yours was a new build yeah so it Yes, 2009.

25:23Martin Lewis:It is less likely to be wrong. OK. Is what I would say. It is less likely to be wrong and it is a bit more difficult to check. I would still take the time anyway, just in case. OK. Brilliant. Thank you very much. Just because after six months, if you find out then, the process goes from being a, you know, a... It's relatively tough to do to being you're really going to have to work hard and put a lot of time and effort in if you want to have a chance of challenging it after six months. Okay. Cool. I think we got there. I think that's a comprehensive list. Yeah, so if I just go through what I said, I think the ones to watch, energy, obviously, council tax, water's probably going to be similar, buildings insurance.

26:09Martin Lewis:And remember when you insure, as if you're first time opening a house, when you're insuring your buildings, not your contents, it's how much it would cost to knock down the house and rebuild it that you insure that is not the same as the purchase price of the property and often people over insure because of the purchase price of the property and then it's just worth thinking about maintenance and repair it's a new build so hopefully it'll be good you might have some guarantees in there depending on how new new build it is but that is worth thinking about and how you're going to do that but you might be really good at diy yourself which could help great thank you very much my pleasure thank you so much for getting in touch and you could what you could do for decoration is you could buy you know those big art boards you know where i'm going with this yeah you know the big yeah buy a massive what i would do is i buy a massive canvas i'm thinking i'm thinking of a black canvas probably two meters by one meter and i have it painted all black and then you take the badge that you're going to be sent and you just pin it in the center and it'll be like a work of art with this huge black canvas and this little white badge with my face and my face in the middle.

27:10I mean, people probably put the value of, I mean, I can say this as a money saving, I reckon maybe 150 ,000 added to the value of your property instantly if you do that. If not more. More, possibly more, possibly more. I'm glad you knew where I was going with that. Thank you for calling Lexi. Thank you very much for having me. Cheers. Bye.

27:28Martin Lewis:We maybe need to work that map. Need to work what? Well, I'm just thinking if we are by giving people badges and they're going to put it as installation art in their homes and it's going to massively increase their house value we might need some form of rider that says that you know 10 of the uplift should be sent to us yeah what do you think yeah and then and then we'll do that in a roughly equal split between you so 99.9 % to me and 0.1 % to you not the person who designed the badges no not the person who designed the badges no it's the it's the person who provides the too late i've already copyrighted it i own the images I'm not sure you can because I actually have a copyright on my image.

28:06Well, what I've done is I've just copyrighted everything apart from your face. OK, good. It's pixelated.

28:13Martin Lewis:OK, just to say, as I always say, we will only be charging you 10 % of the uplift in the canon of the podcast where it is law, outside the canon of the podcast, IRL. It isn't law. You don't need to worry. I don't think they were really worried. Do you? Maybe a little bit. But now you've made it very clear. Very clear. What question are you going to read out for me now? Well, as it's question three, I will read one from Tom. He says, dear all, as I don't have favourites. Do you know what? That does make either of us happy. No, I kind of like it. I'm really, now, I don't care who they address the email to because it goes to so many different names now.

28:55I am the only one who sees the emails, but I don't mind if it says dear Rosie or dear Claire. Or maybe even Dear Martin. Or maybe Dear Martin. On the Martin Lewis podcast, just saying. Sometimes I'll just delete them if it says Dear Martin. Okay. No, I don't. He says, while it's a long way away, if I invest equally on a monthly basis for my two children from birth, as well as birthdays and Christmases, the differences in market performance will lead to differing amounts when they turn 18. So what's the best way to deal with this? And due to inflation, if you invest equal amounts, will the younger child be worse off in real terms?

29:29I'm not sure I understand the premise of Tom's question. So if it's about the point that they are 18 and you put the money in from birth till 18 for both of them, well, things will be much of a muchness unless one of those was a better investment period than the other was a better investment period. The impact of inflation over 18 years would be roughly similar, again, depending on the inflation rates.

29:53Martin Lewis:Now, if you're saying to me, I invest them both and one is older than the other, so one starts earlier and when they both take the money out, one is 21 and the other is 18, so the one in 21 has had more time in the market, more time to grow. Well, that's sort of an acceptable disequality. I think, honestly, Tom, my answer is I wouldn't deal with it at all. I would just put the money away. You're putting it in investments at different points. They might perform slightly differently, but that is the nature of investing. They won't be hitting at 18 at the same time, so the situation will be different.

30:28Martin Lewis:I mean, the only way that you could do this fairly would be to invest in your name and then equally proportionate to them at the end. But then that could mean in, you know, you know, you using up your ISA allowance for them rather than using up their ISA allowance because they both have a junior ISA allowance of£9 ,000 a year each. Or if you're not using your ISA allowance, you could end up paying tax on it, which would reduce the total amount that they get. I don't I would hope this would be a relatively small issue because I suspect you'll be putting roughly the same investments away for each of them both be over 18 years it's a long period the market should smooth itself out over that time I mean your only issue would be if let's say your oldest turned 18 took the money out and there was a nice pot and then your youngest I don't know if it's two years later took the money out and there'd been a big market dip in that time so the moment they were taking the money out, the market dropped.

31:22Martin Lewis:Well, in which case, unless they, maybe they don't need the money, maybe they should hold it in for another couple of years. I wouldn't worry, is my honest answer. But you might disagree if you're listening and you have the similar situation. I mean, the only thing you could do is you could top up the difference, but then that's coming from your funds. But what is the difference between giving money at 18, two years apart? Funds change all the time. I just think that's one of the lessons of life. And maybe it's worth just discussing it with them, discussing it with them early, you know, when they're in the early teens and say, we put the same amount of money away from you.

31:55Martin Lewis:How they do will depend on the vagaries of investing. I hope they'll be pretty similar. But if not, well, that's a lesson to be learnt. What if you, for example, when the first child turned 18, you took that money, split it, gave it to both of them. And then when the second child turned 18, you split that and give that equally. So that is about investment vehicle. The only way you could legally do that is if you did it and it was your money that you then gave them. And therefore, the investment was in your name. So it'd have to be in your ISA and use up your ISA allowance, or you would have to have it outside an ISA and then it could pay tax, as I mentioned earlier.

32:35Martin Lewis:If you're putting the money away in your children's name in a junior ISA. The money belongs to those children. And on their 18th birthday, it is that now 18-year-old adult's money. So if you think about it, what you're saying is you need to give, you would then, as a parent, say you need to give your brother or sister a proportion of your money. It's not quite as simple necessarily. They might not agree and they have a perfect legal right not to agree. And I think in some ways I would just accept it's the way it goes. And if there is a difference, you might be able to make it up to them later.

33:09Martin Lewis:But I suspect the difference won't be that big. And once you start talking about factoring inflation in, I think we're just overcomplicating the situation. For me, you're going to invest for your children in money that you don't need. And you're putting it away for 18 years. It should, if you've got a broad spread of investments, outperform saving. They should both do well from it. Congratulations. Well done. Don't create extra problems for yourself, would be my view. But others might disagree. And I would love to hear from you if you disagree or how you've chosen to do it. Martin Lewis podcast at bbc.co.uk.

33:41Martin Lewis:OK, so Matt, now you've delivered on our first even number question. Second even number question. Have you got two callers? Is it a caller question for me? I wish I could say yes, because I can. We've got Joe in Newcastle. Hi, Joe. Hello, Joe. Hi, Martin. Hi, Matt. Hello. What can we do for you? Well firstly it was a bit of kind of help and a success and then a question to follow up. Perfect. The help and success was that one of your callers or emailers I believe asked about switching current account with the attached regular saver. Yes. And I had a bit of experience from that so it was in November.

34:26I wanted to take advantage of the Barclays Premier£400 switching offer they had. And I was currently with First Direct. Called First Direct. The woman on the phone was extremely helpful. She managed to set me up with a second current account, which then she could attach the regular saver to, which meant I was able to move my primary current account away to Barclays and claim the switching bonus.

34:48Martin Lewis:Well, there's a reason First Direct get the plaudits for customer service, isn't it? That's really impressive. Well done then. I didn't even know that you could have two current accounts with the same provider. So I think it was worth asking. It was fantastic, yeah. Yeah, and it's really interesting because generally people People always worry when they move bank accounts that they're going to lose their other products with the same bank. As I've often talked about that in the vast majority of cases, that isn't true because they're not linked. You know, your credit card is very rarely linked to your bank account.

35:15Martin Lewis:But there are one of the sweeties that many banks offer you for getting their current account is a linked regular saver where you can put a small amount of money away each month and get a very high interest rate on it. I think First Direct is 7 % off the top of my head. Santander is actually 8%. So, yes, that is one of the few things that are linked to your current account. You seem to have got through it very well. I'm delighted to hear it. And that's good feedback for our caller last week. Now, you said, I think you had a question as well. Yeah, it was just attached to that. So it was regarding the Premier account at Barclays.

35:47So for that, you had to earn or you have to earn a minimum of£75 ,000. Now, my income fluctuates slightly and based on kind of overtime and shift premiums and things, I'm confident that I'll just about hit that threshold but if I wasn't to say I was a few thousand pounds short my question was kind of how would Barclays know what would they do and are they able to take any of that switching reward back first of all you have to one of the key

36:13Martin Lewis:criteria is you have to have four thousand pounds into the account within the first 30 days so make sure you've hit that I presume you already have yeah yes this was back in November so I've definitely hit that right I wouldn't worry too much about month by month fluctuations They are looking to get higher earners who've got a decent amount in. You're having your salary paid in. You're going to be£75 ,000 over the year. Now, the way that other accounts work it, which aren't the premier accounts, the higher earner accounts, they tend to do it via a minimum pay-in method. So they say you must pay in a minimum£1 ,000 a month,£2 ,000 a month.

36:48Martin Lewis:The premier accounts do it via a salary method. They're saying you must earn a certain amount. You must sign that up when you signed up. you earn over that amount. They don't have a minimum pay-in. And I think even though you have fluctuating income, so it could be worked out some months you're slightly below the equivalent of£75 ,000, some months you're slightly above. I think they would also have to factor in you might be making pension contributions as part of that that would bring it lower and lots of other things. I would think it sounds to me, if you earn over£75 ,000, I wouldn't worry. The worst that will happen is they might query it and you can simply say I have variable income for the following reasons but my total is over£75 ,000 in a year.

37:29Martin Lewis:So I wouldn't see it as being a problem. I think if you earned£50 ,000 and you were trying to jemmy it by manipulating extra payments to go in well then first of all you would have probably fraudulently signed up in the first place to the fact you had over the income and secondly they would detect it. But I think if you're just going to have the odd month or two where you're below the equivalent for the month but overall you're going to be roughly about the right ballpark, I can't see it being a problem. Excellent. That's great help. I mean, I can't guarantee it, I should say. No, of course. They're not trying to catch you out, right?

38:02Martin Lewis:What they're trying to do is put off someone who's earning£30 ,000, getting the benefit that they're trying to pay out to attract higher earners to get their current account, and you are in the sweet spot of what they want. And you're earning over£75 ,000. That's what you signed up for, and that's what the problem. Yep, excellent. That's great. And thank you so much for getting at that really interesting back, that first regular saver. I've not heard of that happening before and it just shows it's the golden rule of finance. So many people ask me questions, you know, what would happen if? And my answer is well ask them.

38:35Just call them up and ask. And you did it and it shows the result of that. Brilliant. Thanks Joe. Not a problem. Thank you for your help. Cheers mate. Badge will be flinging its way to you. Flinging its

38:44Martin Lewis:way to you. Excellent. Cheers Joe. Cheers Joe. before we finish the program last week we had a question a complex question about student loans that i said i wanted to catch up on and i've done a little bit of work on it uh matt hopefully you've got the question there we can read it out again so people can understand what's going on and then i'm going to give a much fuller and more detailed answer okay perfect so it was from ben he emailed he emailed it in he said um he had just finished training to be a maths teacher and had an undergraduate degree from the University of Bath in accounting and finance.

39:17Then he decided he wanted to be a maths teacher. He started university in 2022, so he had a plan two student loan. And then he started his teacher training at Reading in 2025, which gave him a plan five student loan. And he wanted to know which one would he pay back first and in which way would it work.

39:36Martin Lewis:Okay, so I was very complimentary to Ben last week. He's into money. He's listening at 22. Two, he's doing account, did accounting and finance at university and now wants to be a maths teacher. And I think he'd be great at financial education. So I wanted to give him a full answer. Now, my cursory answer last week was actually correct. But I've been doing some more thinking about the implications of that, which I think is really interesting. And it will commonly be people who've done teacher training who this happens to. Because if you take a postgraduate loan, that is a very separate situation.

40:07Martin Lewis:If you have a postgraduate loan and an undergraduate loan, you pay 9 % back above your undergraduate threshold and 6 % back above the 21 ,000 in England anyway repayment threshold on your postgrad loan. So your total repayments are 15%. If you have two undergraduate loans, you will only repay back a maximum of 9 % above thresholds of what your earnings. And the way it works is this. whichever loan has the lowest threshold, as soon as you go above that threshold, you start paying back 9 % of that until you get to the higher threshold. And then anything you earn above that goes towards paying off the higher threshold.

40:50Martin Lewis:Sounds like gobbledygook I know, so let me do this as a practical explanation in Ben's case. He has a Plan 2 loan, which is the standard undergraduate loan for people who started university 2022 to people who started university 2012 to 2022 in England. And he has a plan five loan, which is for people who started university after 2023 in England. The plan five loan, you repay 9 % of everything you earn above£25 ,000. The plan two loan, you repay 9 % of everything you earn above around£29 ,400 a year, roughly. So if you earned£35 ,000 and you have both those loans and they're both in the point where you repay them, so it's beyond the April after you leave university, your earnings from£25 ,000 to£29 ,400, 9 % of that would go towards repaying the Plan 5 loan.

41:46Martin Lewis:Any earnings above that, so in this case we're saying£35 ,000, so that's the£5 ,600 you earn to year above that, would go towards playing the Plan 2 student loan. Now, the reason I found this quite bizarre and wanted to double check was because if we take an example of a very high earner, somebody earning£125 ,000, it means they're still only repaying 9 % of£4 ,400 a year off their Plan 5 loan, and all the rest of their repayments, you know, over£8 ,000 of repayments, is going towards clearing their Plan 2 loan. Now, in that particular the circumstances, it wouldn't be too big a deal. But it did occur to me there is a big problem here.

42:38And the problem is your Plan 5 loan repayments are effectively trapped in because you cannot, unless you voluntarily overpay, which often might not be worth it, you cannot direct more of your payments to clear the Plan 5 loan.

42:55Martin Lewis:But in this case, because the Plan 5 loan is the one-year loan of teacher training, you would be quite likely to clear the Plan 5 loan if you only had a Plan 5 loan within the 40 years before it wiped. In fact, you'd be quite likely to clear it substantially before because it's only a one-year loan and you'd have much less borrowing on the Plan 5. But because you've also got Plan 2 and the borrowing would be bigger on that and it's also accruing interest at a faster rate, then you're going to take a long time to be paying off your Plan 2 loan. And therefore, as long as you're paying off your Plan 2 loan, you've only got low repayments going to your Plan 5 loan.

43:33Martin Lewis:Now, if you could manage what you were doing, in this case, many people would be better off to get rid of their Plan 5 loan and then keep their Plan 2 loan. The reason being, and I'm sorry this is so complicated, but it is. The reason being, if you've got the full borrowing on Plan 2, unless you're a higher earner, you're unlikely to pay Plan 2 off within the 30 years before it wipes. So therefore, it's going to be 30 years before most of your repayments going towards the Plan 5 loan. And the Plan 5 loan only wipes after 40 years. So you'd have that for even longer. So in a nutshell, because you haven't got that much borrowing on Plan 5, you would have wanted to pay more of your repayments towards Plan 5 to got rid of Plan 5.

44:17Martin Lewis:And then you're just going to keep repaying what you repay on Plan 2 for the 30 years before it wipes. But you can't do that. Now, it occurs to me, I was actually involved in the campaign. I think it was around 2008, 2009. The dates I could definitely have wrong. What I'm about to say, I don't have wrong. I was involved in the campaign that on consumer credit cards, when you had minimum repayments, it used to be the case that the card companies would pay off your lowest interest rate debt first and your highest interest rate debt last to keep the highest interest rate debt on longer. And we got it turned around, so they had to pay off the highest interest rate debt first.

44:58Now, while it does actually work like that, in this case, it's the highest interest rate added debt you're paying first. It may not be the highest interest rate accrued because you might not repay all the interest accrued on a plan to loan before it wipes.

45:11Martin Lewis:And therefore, it would seem to me there should be some argument that there should be some flexibility if you have both loans for the individual to be able to decide which loan they want most of their finances to be directed towards repaying off. Should be, but isn't. I have Rosie sitting next to me and with a serious voice on this time. Please can you add that to my campaigns list and in our document on student loan problems because it seems to me one I hadn't thought about too much in the past but it is something, while it's quite niche, that should be fixed. not the jolliest way to end the podcast Matt was it too complicated that or did you sort of get it I know Rosie always gets it Rosie gets it because she's incredibly intelligent you're intelligent too but this is her specialty so she is different and I do think you're intelligent Matt you have a good EQ, you're a great presenter you put things together very well don't do yourself down mathematical and financial and money intelligence is only one type there are many other types out there and I know you and you are a talented intelligent chap that's very nice I'm going to cut that out of the podcast you're going to cut that out or keep it in absolutely cut it out cut it out no it has to stay in no no it stays in Matt it stays the listeners listeners will like to know that it stays in sorry end of this discussion we're moving on to the funny bit play the swoosh and now after my big call out my peroration a couple of weeks ago to get a scan some funny questions in that we like to end the pod with you've had a decent flow of them so have you got one for me I do I've got one from Steph she's emailed it in to martinlewispodcast at bbc.co.uk.

46:43She says, hi, Martin, Matt and Rosie, in brackets, or Simon and Claire. If you could go back in time to experience and be part of an event in history, what would it be and why? Shuster says, PS, thank you for everything you do for people. Your podcast has truly given me hope for my future. Oh, what a lovely thing to say. Thank you so much. Thanks, Steph. Oh, it's an interesting question. I mean, people will want me to say, I'll go back to the birth of Bitcoin and then I'll buy loads of them, which is certainly true from a financial basis. I'm fascinated by a couple of bits of history.

47:17Martin Lewis:The first one that I really love, but I definitely would not want to be a part of, is I'm fascinated by Genghis Khan. You know, there they were. Genghis Khan, it was the end of the 12th century. They were these nomadic, highly skilled horse-riding warriors that could shoot hugely accurately their bows while they were riding at full gallop, controlling the horses with just their knees. But politically, these tribes had always been kept at each other's throats by sort of some interference from the Chinese who were worried about the hordes coming over to overtake China. But Genghis Khan united the Mongol hordes, as they've called, and brought them together.

48:01And then these, you know, ill-educated nomadic horsemen

48:05Martin Lewis:took a chunk of the world, the largest ever contiguous empire in the world, eventually running all the way from China right through southern Russia and across through the Middle East and right up to Poland. I mean, it was just incredible and built lines of communication and transport right across that vast territory. And I'm fascinated by it. But they were also some of the most despotic and dangerous and murderous. And, you know, forget civil liberties. I mean, torturous people to do it. It was incredibly brutal. So I wouldn't like to take part in it. And I'm not sure what I am going to pick is that much better, but I think it is a little bit better.

48:47Martin Lewis:I'm also fascinated by Roman history, as I think many people are. And there's something about the Romans. There's something about the fact that we had actually some relatively civilised democratic process 2000 years ago. and then technology moved backwards after the Romans and it moved backwards in the early Middle Ages and until perhaps the 17th century, the Romans were still more progressive in the technology that they had and in some of the ways they made decisions, not that there weren't horrible, brutal despots in the Roman era and it was a colonialist environment. But I would like to go back, I think, to be sitting in the Senate at the time of Julius Caesar.

49:27Martin Lewis:I'd also need a chip so I could understand the Latin and to actually go and feel and see what, you know, maybe to be a senator in that time for a year and to feel and see what the Roman Empire was actually like in the centre of Rome and how it differed from our daily life would be fascinating. And I'd love to do it. Can I have a safety bubble in my time travel? Yeah. So that I can't actually be hurt because I'm a bit of a wimp. Go on then. It does remind me, do you remember that thing a few years ago where it was asking, people go up to their husbands or their boyfriends and say, how often do you think about the Roman Empire?

50:01Martin Lewis:Yeah. Do you remember that? Yeah. How often do you think about the Roman Empire? Well, I probably think about the Mongol Empire. Do you? I'm not sure what that says about me. I think I'm saying it because I've just read a series of books on it and I was absolutely fascinated and gripped and totally by the whole thing. So I'm quite into that period in history. I like my history and my historic novels as well at the same time. So, yeah, but Roman Empire is fascinating. It is. I nearly studied history. Imagine where we'd be if I studied history instead of television and radio. Yeah, you'd probably be doing...

50:33Different thing. Yeah. Wouldn't be sat here right now. A history podcast. Maybe. Let's stop there. Oh, hold on. Matt? Yeah? I just got... And you can't play the actual sound because of the reverberations, you know, the rickering. Might break people's headphones. Rosie did history at Cambridge. Ooh, very posh. and then has a master's in history of international relations from the LSE. Oh, wow. Smart. Yeah, she's very smart. Very, very smart. And I'm very glad she's here. I'm very glad you're here. And now we should end the podcast.

51:10That's it for this week's Question Time.

51:12Martin Lewis:Don't forget to subscribe so you know when we release a new episode. We put out a new Question Time episode each Monday alongside the Big Topic podcast with Adrian on Thursdays. Aren't you lucky? Two doses of money-saving tips and tricks a week. Do ensure you send your questions in. Just email martinlewispodcast at bbc.co.uk and address them to dear Martin. Dear Matt. Dear Martin. And don't forget, if you come on the show, we'll send you an exclusive money can't buy Martin Lewis podcast question time ESQ badge. Who wouldn't want that? Who indeed? You don't need to write in. We already struggle to get through enough emails.

51:50Martin Lewis:If you all write in because you don't want a badge, we'll be stuck. See you next week. I got meals, I got to pay, so I'm going to work, work, work, work, every day. I got miles, I got feet, so I'm going to 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 martinlewispodcast 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.

52:29Remember to subscribe on BBC Sounds and leave us a review however you listen.

52:40Also, I saw your knees on that podcast that you did. Oh, you did? Well, your knee is very much the focal point of the video. But someone said I look like a Brazilian jiu-jitsu professor, which is apparently because I was a figure of a well-shaped, quietly powerful figure of authority. I'll take that. I'll take being a BJJ professor. Did you see Martin almost broke the table this morning? That was very funny. I did not see that either. Yeah, I did. And I tried to, I just leant on the side of a table and I didn't realise it wasn't a table meant for leaning on. It almost went. But this was after I had, did you see the bit where I looked into the monitor and I got distracted?

53:17Yeah, because he was like, I'm really wrinkly.

53:23How did a boycott Jimmy become a billionaire from posting videos? On Good Bad Billionaire, we're going to find out how the world's most popular YouTuber, Mr Beast, made his fortune. He's buried himself in a coffin for days. Counted to 100 ,000 on camera. And even recreated Squid Games, all in an attempt to go viral on the internet. But it all started when he gave a homeless man$10 ,000. So is he a philanthropist reshaping capitalism? Or is he just the king of the attention economy? Find out on Good Bad Billionaire. Listen on BBC.com or wherever you get your podcasts.