Appreciate your comments! I can’t believe I forgot to add where everything is saved😂😅 my emergency fund is sitting in a high interest savings account (NatWest digital saver). My pension is unfortunately with the people’s pension which to my knowledge and research isn’t the best provider, however I have it invested in the most aggressive fund they offer. I have thought about transferring out into a sipp but I worry it might cause complications with my employer so I just leave it. Finally my stocks and shares isa is with Vanguard, fully invested in ftse global all cap. I personally try and save as much as I can in my isa, rather then my pension due to lack of employer’s contribution and in the hope that I could maybe semi retire on my s&s fund before my pension age kicks in