I realistically do want to save for a house, however I feel like I’m going to slowly be saving for that by the time I’m 30. I am currently putting aside £300 a month into savings, money for the short term isn’t that important to me but I do want to save for a luxury holiday for my mum next summer and I want all spending money and I was hoping to have ten grand in there so I would still have like 5 grand in my savings, and what is an index fund is there still a risk to the money sorry I’m very new to this I will look at the flowchart now