u/SuperbList8529

hi I am a student coming into the real world and want to start properly handling my finances for the future. I have opened a Tembo cash isa for 4.5% interest for the first year, and already have a few hundred pounds in a LISA. I was reading about the new ISA changes coming next year and to be honest feel like I only understand it about 80% of the way. I was thinking beforehand about opening a stocks and shares isa too but should I now the taxation will start next year? I earn around 25k a year and so will definitely not be hitting either £12k in a cash isa or £20k a year overall in ISA allowance (I wish).
Any advice given would be helpful!