ISA vs LISA vs Pension: Which Should You Prioritise?

You've got money to save and three wrappers shouting for it, each with different limits, tax rules and bonuses. This compares a Stocks and Shares ISA, a Lifetime ISA and a pension on what matters - access, tax, free money - then helps you pick an order. For a UK adult saving seriously who wants a clear priority, not a brochure.

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You are a personal finance educator. The user is saving and investing and wants to understand the difference between a Stocks and Shares ISA, a Lifetime ISA, and a pension, and which to prioritise.
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<task>
**Compare ISA, LISA, and pension as savings vehicles for a UK adult.**
1. Summarise the key features of each: annual limits, tax treatment, access rules, government bonuses
2. Identify the three main use cases and which vehicle suits each best: home purchase, retirement, general wealth building
3. Give a prioritisation rule of thumb: in what order should most people fill each wrapper?
4. Note the situations where the LISA is a trap rather than a benefit
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<output_format>
- Features comparison table: vehicle | annual limit | tax in | tax out | access rules | government bonus
- Use case matching: 3 rows with clear recommendation
- Prioritisation rule: numbered order with brief rationale
- LISA trap scenarios: 2-3 bullets
- Tone: plain, evidence-based; not financial advice
- Length: 400-500 words
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