@seans.money: The taxman wants a slice of your savings. An ISA stops them. 🌱 Think of it as a tax-free greenhouse. Your money grows inside, with no tax on interest, dividends or capital gains. You can put up to £20,000 into ISAs each tax year (6 April to 5 April). You can split that across different types, like cash and stocks and shares. What I do: I invest in ETFs through a Trading 212 stocks and shares ISA, and I keep some savings in a Tembo cash ISA. This isn't advice, I'm just showing you what I do.