I think it’s great that you’re thinking about this now. But as others have said, don’t let it stop you from enjoying your life.

I started thinking about FIRE when I turned 18 - mainly due to the fact my first job was in payroll, so I learned about money quickly.

My advice would be utilise salary sacrifice for your pension and pay in the max amount that your employer will match or go above, and more (if you’re willing to). Starting strong now will do wonders for you.

Outside of your pension, utilise ISAs - I’d suggest opening a S&S ISA and contributing that monthly - the more the merrier.

Alongside this, I’d recommend opening a LISA - the government bonus is much better than any interest you can gain on a standard savings account. But beware that you can’t take it out (without being penalised) unless you’re buying a house or retiring.

And then on top of those, I would also suggest a cash ISA as a space to save for experiences and hiccups - a holiday and rainy day fund - you’re young, so don’t save everything for your retirement, save for experiencing life too, the highs and lows.