Plenty of good advice already regarding index funds and pensions, so I'll add: land is a finite resource, so buying some for yourself is unlikely to be a bad mo

Plenty of good advice already regarding index funds and pensions, so I'll add: land is a finite resource, so buying some for yourself is unlikely to be a bad move. In most cases this will just be a house, but don't be afraid to think more broadly than that - particularly if it can also be a hobby, like buying some cheap derelict land to re-wild or grow trees on. Not going to deliver the same financial return as the S&P 500, but probably more interesting.