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In this video, we dive deep into Lifetime ISAs, Junior ISAs, Cash ISAs, and Stock & Shares ISAs—answering the most common (and often confusing!) questions doctors, professionals, and parents have about tax-efficient investing in the UK.

From contribution limits to government bonuses, flexible vs non-flexible ISAs, and avoiding hidden fees, you’ll learn how to use ISAs strategically to save, invest, and protect your wealth for the long term.

We also discuss why 90% of professional wealth managers underperform the S&P 500—and what you should focus on instead if you want to build a solid, stress-free financial plan.

🔑 What You’ll Learn

✅ How Lifetime ISA contributions fit into the £20K allowance

✅ Junior ISAs: one per child vs multiple parents contributing

✅ Government bonuses—do they count toward the allowance?

✅ The importance of fees (and why low-cost platforms matter)

✅ Flexible vs non-flexible ISAs explained

✅ Why an emergency fund comes before investing

✅ How to automate your saving & investing

✅ The dirty secret of the financial industry

✅ Why having a clear plan changes everything

🕒 CHAPTERS & TIMELINE

00:00 Intro & Questions from Fejiro
01:20 Lifetime ISA Contributions & 20K Allowance
03:00 Junior ISA Rules Explained
05:40 What Happens if You Open Two Junior ISAs?
07:10 Do Government Top-Ups Count Toward ISA Limit?
09:00 Hidden Fees & Choosing the Right ISA Platform
12:00 Cash ISAs vs Stock & Shares ISAs – The Big Mistake
14:00 Why You Need an Emergency Fund First
17:00 Flexible vs Non-Flexible Cash ISAs
19:30 The Dirty Secret: 90% of Wealth Managers Lose to the S&P 500
22:00 Retirement Planning – 50 vs 65 Strategy
24:00 Why You Need a Clear Plan for Financial Freedom

💬 Have questions about ISAs, pensions, or tax-efficient investing? Drop them in the comments below or send me a message.