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@jessicasa Inflation / French house prices does have to be factored in as the money you're paying towards it each month could go towards a better investment instead

@nxcess If you're not using full 20k ISA allowance then do that but put some into a cash ISA for quicker access if needed and rest into s&s. It is scary you don't have much pension saved but if you have a plan to buy a property in next few years then focus on that first...