Martin Lewis has issued "substantial life-changing advice" to everyone aged over 45 and explained how you can add tens of thousands of pounds to your pension pot.
The consumer guru was hosting his Martin Lewis Money Show on ITV on Tuesday night and talked about pensions. He said the show was a "must watch for 45 to 70-year-olds" as he offered his tips.
Martin first told viewers what the state pension is, how you get it and what "missing National Insurance years" are. You need around 35 years of National Insurance Contributions (NICs) to get the new full state pension although Martin says for "some it can be 30 years and others 40". If you don't have a full year this is classed as having a "gap".
