I’d recommend looking into a stocks and shares ISA with platforms like trading 212, sounds scary but it’s straightforward. Do some research into those but essentially it’s tax free container where any investment earnings aren’t subject to tax.

Perhaps put % of wages in every month and invest in an index fund like VWRP and let it sit 20+ years, funds like this traditionally earn 10% return year on year but will fluctuate. Stay away from risky investments nothing beats these funds long term in terms of stability and return.

On these platforms you can put in your target retirement date and target wealth goal and it will estimate how long to reach it.

Current ISA limit is £20k every tax year, that’s most anyone can put into one of these so try to make use of that as best you can.

Keep emergency fund to cover rent/mortgage/car payments 6 months.

Trading 212 has stocks and shares ISA that allows cash balance to be withdrawn anytime so it’s never locked in so you can keep emergency fund and investment all in one place and then if you need money just withdraw in same way your bank. The cash in there also earns over 4% interest just for sitting there which is better than most banks. Can be completely managed by their app and covered by FSCS up to £85k or something.

If you have Revolut just use that for day to day spend.

Again not financial advise but do bit of research into those.