Personal Finance
Pensions & FIRE
UK pension and FIRE guides: workplace pensions, auto-enrolment, Lifetime ISAs and planning for retirement.
Pensions & FIRE
Pension Tax-Free Cash vs Mortgage: The £112,000 Question
Should you use pension tax-free cash to clear your mortgage? A worked example starts £112,000 apart, but invest what you save and the gap narrows fast.
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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.
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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.
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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.
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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.
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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.
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