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I didn't but loads of people (wrongly) told me I should. I've heard of people saying you can use it for cars and holidays, which you could, but probably shouldn't, bloody sharks! I'm still choosing to pay in and the best advice I got was if you enjoy working leave it there and use it when you...

#bekind

When I passed 55 I was bombarded by scum looking to charge thousands for something you can do yourself or a good IFA would do for a reasonable fee, take care