Why I Stopped Paying Into My Pension (The Opportunity Cost of Locking Cash Away)

Everyone says maxing your pension is a no-brainer. So when a founder mate casually said "I don't have a pension," it stopped me in my tracks — because he's one of the smartest money people I know.In this episode we get into the real case for NOT throwing everything into your pension: why liquidity beats tax efficiency for some people, the opportunity cost of locking your money away until 60 (and counting), and why "someone else writing the rule book" for the next 25–30 years is the risk nobody talks about. We cover the ISA-first overflow framework, what to do with excess cash, where tax is heading under the new government, and how far you can stretch your family's allowances.⚠️ Capital at risk. The value of investments can go down as well as up and you may get back less than you invest. Past performance is not a guide to future results.This is NOT financial advice. We're not financial advisers — this is a conversation about how we personally think about money. Do your own research and speak to a qualified adviser before making any decisions.