Great post. Also the same age as you in the UK. Haven’t bought a house yet but feel the same way in many respects. The worst example of these tax disincentives surely has to be with NHS doctors and their pensions - the tax system is so distorting that in many cases the doctor is literally paying to go to work. This has been going on for several years and has still not been fixed.

https://www.theguardian.com/society/2019/jun/24/nhs-consulta...