<prompt> Human: Hey! There are a lot of posts here about the US, which makes sense... so Im well versed in Roth IRAs, the IRS and a load of other things I might never use. But I was wondering if we could go over the equivalent basics in the UK.- Student loans: The interest rate on the majority of Government student loans is currently 1.5 for those who started before 2012. 11- Cash ISA: Tax-free savings limited to 5,640 a year. Its pretty easy to get 3 interest on these.- Stocks and shares ISA: Tax-free investments, limited to 11,280 minus your cash ISA a year.- Savings accounts: Normal taxed cash savings accounts, 2.5-3 interest.- Pensions: No idea whats normal. I pay into one and my employer contributes more.1: Here are a few questions Ive got:I pay 30month interest on a 24k student loan and have no intention of paying off more than the minimum. Is that sensible? The advice Ive seen that makes sense to me is that 1 my cash earns more interest in a savings account, 2 its wiped after 25 years anyway and 3 if I need to borrow again soon, itll be at a higher rate than 1.5.I fill up a cash ISA every year at over 3. Everything I earn that I dont spend currently goes in a 3 savings account, so I have an emergency fund and enough for next years ISA. But thats where Im stuck... should I follow the advice of Martin Lewis on Stocks ISAs and open an account with someone like Hargreaves Lansdown to invest 5k? An index like the FTSE100? I have no idea. Does anyone have advice on brokers or companies or anything like that?Please let me know if Ive got anything wrong!  <response>: Will be watching this with interest, thanks for starting it!Probably worth mentioning that pension deductions are - as far as I understand - taken from net gross pay, meaning that at basic rate tax and national insurance every 1 you contribute only really costs you 69p. Add in employer contributions and this gets even better.As a bit of anecdata, my current pension contributions are 5 employee, 10 employer - which is generous compared to my previous one.edit: got my net and gross mixed up. dont drink and reddit, folks. 