Personal Finance
Practical guidance for tax planning, pensions and long-term decisions without the jargon.
Pensions & FIRE
What Is an ISA? The Five Types Explained
Your bank handed you a Cash ISA at 18 and never mentioned the other four. Here's what each type actually does, and which one is probably wasting your allowance.
Read more
Pensions & FIRE
Auto-Enrolment: The Free Money Most People Still Walk Away From
Your employer has to give you free money every month, and roughly one in ten workers opts out of collecting it.
Read more
Pensions & FIRE
The UK Retirement System Has Three Pillars, and Most People Only Know One
The State Pension isn't a retirement plan, it's a safety net, and treating it as the whole plan is how people end up short.
Read more
Pensions & FIRE
The Lifetime ISA Bonus Sounds Free Until You Read the Withdrawal Rules
The government adds 25% to what you save in a LISA, then takes more than that back if you touch the money for the wrong reason.
Read more
Pensions & FIRE
ISA, LISA or Pension: The Order You Should Actually Fund Them In
Providers each want you to pick their product first. The maths says pick in a specific order regardless of who's asking.
Read more
Pensions & FIRE
The FIRE Number Isn't a Guess, It's One Formula Most People Never Actually Run
Retiring early has a specific number attached to it, and it's smaller than most people assume once you actually do the maths.
Read more