

It’s not a scheme, it’s the government using tax breaks to encourage the positive behavior of saving your money for when you’re old. That’s literally what it is.
Tax credits for buying EVs is another example of the government using tax breaks to encourage people to do something that’s beneficial.
Lots of people just don’t save money. 401Ks make it easy and you get good returns, and penalties for withdrawing before you’re old. So you put money in because usually you’ll have a lot more later, and then you keep it until you’re old so you don’t get penalties and lose a bunch of money.
I swear this site is full of the dumbest people on the Internet.








Tracking calories accurately is a balance between good data and time investment.
I didn’t usually count oils and fats when I made food because I use so little. But I also wouldn’t worry much about very low calorie vegetables either.
To be fair though my goal was to gain weight and meet macros, not to lose weight.
But either way at the end of the day even with really good apps making counting calories way easier than it used to be, there’s still a line that needs to be drawn somewhere as to what your time is worth. If you’re in the ballpark you’re good unless you have very explicit needs to get more detailed data.