ISA's!! Everything You Need To Know... Without The Confusion!

ISAs were designed to be simple, tax-efficient savings accounts, but over time, they’ve gotten surprisingly complex. In this episode of Skint, host Mik breaks down everything you need to know about Individual Savings Accounts. The discussion covers:ISA Types & Limits: Navigating the £20,000 annual allowance across Cash, Stocks & Shares, Lifetime (LISA), and Innovative Finance ISAs. Junior ISAs (JISAs): How to build long-term wealth for children with the £9,000 allowance—and why holding too much in cash can backfire. Upcoming Rules & Policy Changes: The new £12,000 cash ISA limit for under-65s, tax on cash interest, and the transition from Lifetime ISAs to First-Time Buyer ISAs. Smart Investing Strategies: Why ISAs are tax wrappers rather than standalone investments, the benefits of global diversification, and why long-term investors should ignore short-term market noise. Whether you're starting with £5,000 in savings or just trying to sound smart at your next dinner party, this episode offers a clear, low-pressure guide to making your money work harder.