Question Time: Is saving 15% of my salary into my pension enough? How long do I keep financial docs? ISA rules when I die?

**Matt Burnham** (0:00)
I tried really hard, but no one was available.

**Martin Lewis** (0:03)
It's so brilliant that you've listened and you've been thinking about your pension at such a young age.

**Matt Burnham** (0:07)
Actually, that's 700 pound we added on. We haven't actually cleared that.

**Martin Lewis** (0:11)
There is nothing worse than a tax investigation. You can effectively increase your ISA allowance. It's on top of your normal ISA allowance that you can put those new assets in. Hello and welcome to the cunningly named The Martin Lewis Podcast. I do wonder what that's going to be about. And this is our Question Time episode, where you are Esquires, extremely savvy questioners, get to ask me your questions on absolutely anything and everything. Open brackets within reason, close brackets. This week, you ask me, I'm 23 and saving 15% of my salary into my pension. Is that enough? I'm starting to see my credit card debt grow. What should I do? How long do I keep financial documents for? What happens to an ISA when you die? And to success, my daughter's shared junior ISA is up 24%.
Play the theme tune.
Hello and welcome to our Question Time edition of the podcast. Yes, the one where you can ask me questions on anything and everything, open brackets within reason, closed brackets, and you know who's here. It's the curator of questions himself. Professor, Lord, Sir Matthew Burnham, Esquire, PhD. I've changed it up.

**Matt Burnham** (1:38)
I've done so many changes.

**Martin Lewis** (1:40)
I've added in a Lord.

**Matt Burnham** (1:40)
A Lord. I like Lord. You know, I think I would take it if I was...

**Martin Lewis** (1:44)
If you were offered.

**Matt Burnham** (1:45)
If I was offered, I think I would take it.

**Martin Lewis** (1:47)
Lord Burnham. Well, I moved your PhD to the back rather than having the doctor in the front. I don't know what you thought of that.

**Matt Burnham** (1:52)
I think I prefer doctor to PhD. I know it's the same thing, but...

**Martin Lewis** (1:56)
Oh, you're very picky.

**Matt Burnham** (1:57)
I am very picky.

**Martin Lewis** (1:58)
I love these titles. And obviously, to first-time listeners, these are all legitimate titles that Matt has within the canon of the podcast.

**Matt Burnham** (2:07)
Earned titles, still.

**Martin Lewis** (2:08)
Potentially earned titles. Potentially. And actually, when I called you on Friday to discuss the Last Question Time podcast, and I, as I called you in our just private phone call, referred to you by those titles.

**Matt Burnham** (2:23)
You did.

**Martin Lewis** (2:24)
You then referred to me as Mr. Martin Lewis. And I actually have a CBE.

**Matt Burnham** (2:30)
Yes, you corrected me.

**Martin Lewis** (2:31)
And you didn't even put that in my title. And I had just given you all of those honorifics.

**Matt Burnham** (2:35)
But no, you don't use it, so...

**Martin Lewis** (2:37)
No, I just feel... I don't know. It's interesting. I'm incredibly proud to have the honor of a CBE. But I do sort of feel that to put it after your name is just a bit too showy-offy. I think it's something very British about not putting it after your name. Do you know what I mean?
It comes on official letters to me are often addressed CBE, or if someone's formally inviting me to something. But I feel like putting it in your social media profile or something like that, it's just a little bit...

**Matt Burnham** (3:04)
What about your email signature? Is it in that?

**Martin Lewis** (3:07)
Hold on. No, it isn't in my email signature.
It isn't in my email signature. I don't know, it just feels a little bit like...

**Matt Burnham** (3:16)
No, you've earned it.

**Martin Lewis** (3:17)
Yeah, I have. But I will... Sometimes it's better...
There are certain things that you don't call yourself, and I think it's better for other people to call you. It's interesting because people often say, oh, you call yourself a consumer champion. I've never called myself a consumer champion. Other people have called me consumer champion. It is not a term I think I can self-imbue. So, and I think even though I do have the CBR... Anyway, we're talking about them, because there's big news today, everybody.
The big news is Rosie, for those who don't know, Rosie works with me. She is my live on air fact checker and brilliant, super clever researcher. She's always a part of the pod, but she never speaks. She is a woman of mystery who many of you wonder what the real Rosie is like. Now, Rosie, there was a staff party in Manchester yesterday. Rosie went up to Manchester and she's actually in the studio with you, Matt, not with me.