Understandable.

The first-time buyer ISA will replace the lifetime ISA in 2029.

And the differences between them are quite small.

So just to go back to lifetime ISA, with the lifetime ISA, the government will pay you a bonus.

You can put up to £4,000 into a lifetime ISA per year.

and the government will give you a bonus and 25% of that.

So that's up to £1,000 of free money every year.

Do you want to just add a bit of flesh to the bone here?