As ludicrous as this sounds, if you've never been a member of a registered pension scheme then you should strongly consider opening a pension, even if you elect to pay nothing into it. Why? Because not doing so could hamper your ability to use carry forward in future tax years. This is a time sensitive action and something you should consider doing before the end of the current tax year. Future you will thank you for this one. Join Benjamin Mitchell (themoneyscot), serial hater of financial jargon, as he helps you to never make another financial mistake. Getting on top of your personal finances doesn't need to be complicated or scary. Arm yourself with the only knowledge you need to transform yourself from money novice to money nerd! Take my 5 minute retirement assessment (can you already afford to retire?) 🚀Disclaimer - please note that nothing in this podcast can be relied upon as financial advice and the content is provided purely for information and guidance purposes. Please seek independent, regulated financial advice relevant to your situation.

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