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

**Martin Lewis** (0:01)
Stunned and shocked, and it's due to your behavior.

**Joe** (0:04)
Are they able to take any of that switching reward back?

**Martin Lewis** (0:07)
Can I have a safety bubble in my time travel? A good recipe for a happy marriage, I think, is every three months you sit down, you have a tabletop meeting about the finances.

**Lexi** (0:15)
Sometimes the suppliers can sort of like double or triple your bills for a settling in period.

**Martin Lewis** (0:19)
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 asquires, 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, what are the financial benefits of marriage? And that's from a couple who were just about to do it. We want to upsize to a bigger house. How do we know if we can afford the bills? How do I deal with unfairness when investing for my children of different ages? Then a success, someone who switched bank account but was able to keep open their linked regular saver. Plus an update on last week's student loan question. If you've got two student loans, which do you pay back first? And I'm afraid I've discovered a real problem in the system that I might start to campaign on. And finally, you asked me if I could go back in time, what event would I want to go back to and why?
Play the theme tune.
Hello, and welcome to this episode of the Question Time Podcast, where you get to ask me questions on anything and everything, open brackets within reason, closed brackets. And of course, I am delighted to be joined by the curator of questions himself, Professor Matthew Burnham Esquire.

**Matthew Burnham** (1:54)
No, doctor.

**Martin Lewis** (1:55)
And no, sir.

**Matthew Burnham** (1:56)
And no, sir, why? What have I done this time?

**Martin Lewis** (1:59)
It's Martin Mitchell. Martin Mitchell did a post on my Facebook.

**Matthew Burnham** (2:04)
Okay.

**Martin Lewis** (2:05)
And I was left stunned.

**Matthew Burnham** (2:08)
Right.

**Martin Lewis** (2:08)
Stunned and shocked. And it's due to your behaviour.

**Matthew Burnham** (2:12)
Oh no, what have I done?

**Martin Lewis** (2:15)
Martin Mitchell wrote on the back of the last Question Time podcast, we got to hear GDPR at the end.
Now, for those of you who don't know, GDPR is Google Docs professional Rosie. Rosie is the beer moth who sits astride this podcast. The enigma. She is always here. She works with me. She's live fact checking the questions to make sure that we get things right. She is, though, never heard. She's too big to be heard. Some people say that her audio waves are so powerful, they go below the listening frequency that's available. And that the entire BBC broadcasting house that I sit in when I do this is shaking with reverberations, that when she does speak, it actually measures on the Richter scale. Nobody within the canon of the podcast is meant to ever hear Rosie. And yet, Matt, you, and I remember the conversation quite distinctly when we have our Friday conversation about the Question Time podcast, you said, I've added something extra on the end. Take a listen. Now, you know that when I listen to the podcast back, I listen to it in double speed.

**Matthew Burnham** (3:23)
Yes.

**Martin Lewis** (3:23)
And I listened and it sounded great.
And I think I remembered some muffled sound, but I don't think I heard that Rosie was in it. Did you, as an Easter egg at the end of the last Question Time podcast, actually put GDPR's voice in the podcast?

**Matthew Burnham** (3:41)
If you listen very, very closely, yes, I did. I put Rosie's voice in because it was too good a clip to miss. And I also think it's nice to know that someone has listened to the very, very, very end of the podcast, very end of the podcast.

**Martin Lewis** (3:56)
I'm worried this is like Ravens at the Tower of London. I'm worried that if people hear Rosie's voice, the entire Question Time podcast is going to start diminishing. We were doing very well in the podcast charts. I hope you haven't just ruined it.

**Matthew Burnham** (4:08)
No, if anything, that's the reason why we're doing so well in the podcast charts.

**Martin Lewis** (4:11)
You think it's this like- Now, of course. Of course.
Okay, so let's be honest. Now, Matt, you're not allowed to listen to this bit. I'm just talking to listeners.

**Matthew Burnham** (4:20)