In today's episode of the Medics' Money podcast, we tackle questions from listeners regarding the impact of the higher income child benefit charge on state pensions and whether it's a good time to invest. We provide insights about opting out of child benefits, the importance of maintaining a full National Insurance record, and the intricacies of market timing in investments.  00:00 Introduction and Episode Overview00:27 Meet the Hosts and Podcast Success02:26 Listener Question: Opting Out of Child Benefits03:39 Understanding the High Income Child Benefit Charge09:25 Listener Question: Market Timing and Investing Strategies13:52 The Importance of Consistent Investing18:36 Conclusion and Call to Action