Martin Lewis

I'm ready.

OK, now, recently, our Adrian was out in his padded gilet off to a petrol forecourt shop to buy a token for his favourite weekend ritual, checking the tyre pressure on his beloved 2007 mud-brown Fiat 500.

Close, yeah.

Suddenly, the lights flicker and a smoking DeLorean screeches in, scattering air fresheners, dog chews and discounted de-icer.

A wild-haired man leaps out and shouts, ''Jump in, Jehoshaphat!

Adrian, I need your help!''

Adrian, thrilled, climbs onto a stack of screen wash and declares, Rhodes, where we're going, we don't need Rhodes.

The man says, of course we need Rhodes.

I just know you do that podcast with Martin and I've got a tax question.

Sorry, my throat.

From 2026.

Anyway, I've just retired, he says.

My pension is around £12,500 a year and my savings earn around £4,400 interest.

Back then, I didn't think to the future enough.

Do I pay income tax?

So Adrian, are you Marty McFly or Marty Muck, why me?

I want to know what's your answer.

A reminder again, with a £12,500 pension and £4,400 of savings interest, roughly how much tax is payable?

A, none, and it's all in the UK, of course.

B, 20% of £3,400, which is about £680.