Correct, but I pay tax on hald and around 50 - 60% of my annual pay vests over 3 - 4 years which is really annoying for cash flow / savings.

I actually put most of the money in the investing program at the fund I work in (which is separate to the income i earn and is a perk of the job). It allows me to invest in the companies in the fund with my own money and I recieve cheap leverage against the equity units - is a perk of the job and gives you alignment for your investments but locks my money away for a long time which isn't great when young.

I don't really buy much at all so largely any savings I have now sit in my offset largely paid off now.