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@cappylr I guess I was more thinking they would be looking a few more years down the line at a more expensive property

@fl_gentleman That sounds good. you'll probably only need to review that as you change tax bands and/or employers.

@fl_gentleman Something like that. I’d keep £3-5k easily available for a rainy day, max out the LISA and put the rest into S&S isa. Also try optimise your pension contributions. Take full advantage of whatever your employer will match. I’ve even heard of people putting 8% into a pension and...

@cappylr Right. But they will probably be looking at buying in a few years when they have a nice deposit and a far bigger salary.

@fl_gentleman What is your goal? If you’re looking at buy a house/flat over £450k then you need to take the LISA off the table. I’d probably go pretty heavy into a stocks and shares ISA if I was you.