As we approach the end of the financial year and the start of the new one, banks and building societies are pushing ISAs hard. Newspapers are full of adverts encouraging you to max your allowance or open a new account. But is that the best thing to do with your savings? In this episode of the podcast, I've shared why most people won't benefit from an ISA - largely thanks to the Personal Savings Allowance. Plus, why they can be good for anyone with lots of money saved up, or if you're a first-time home buyer. More at https://becleverwithyourcash.com/cashchats81