Where you might be in life at the moment:
After years of being told what to do this is the most exciting stage of your life, with so many choices and your first taste of independence. You will be possibly starting, or finishing university, doing an apprenticeship, further education, or entering the workplace to gain the skills needed for your chosen career.
You start to save for your retirement by joining your employers pension scheme.
You may have started to acquire your first debts such as student loans, car purchase or credit cards.
Surplus income tends to go on holidays, going out, shopping and beauty.
You may be starting to save for major “life events” such as buying your first home, getting married or having children.
You start to accrue National Insurance contributions to go towards your state pension entitlement.