Even if your partner is not working, you can put the same amount in their Isa and a token amount in a pension for them too. A working couple can squirrel away more than £100,000 a year without a moment’s thought about the tax implications. 

There are even versions for your kids. No one can complain that there is no incentive to save.

That’s what we should be focusing on this weekend. But we are less likely to be thinking about the tax wrapper than what we’re putting inside it. 

And with a long list of things to worry about, it will be quite tempting to do nothing and just let the moment pass. 

What with war in Ukraine, the soaring cost of fuelling the car, filling the fridge and heating the house, rising interest rates, not to mention the return of Covid in China, the list of reasons to sit on our hands is long and getting longer.

And so it has always been. There’s a temptation, to which my industry is prone, to focus on the long-run performance of the markets as if we all invest with 20:20 foresight. 

My new copy of the Credit Suisse Global Investment Returns Yearbook tells me, for example, that £1 invested in the UK stock market in 1900 has grown to be worth £46,229 today. 

Even making the necessary adjustment for inflation over that period, the £1 has grown more than 600-fold. In the US over the same period, $1 would have made you $2,698, adjusted for the cost-of-living.

But to benefit from the remarkable alchemy of the stock market over the long run you have to be prepared to look beyond today’s headlines. 

Thirty years ago, when I was thinking about my 1992 Pep, the siege of Sarajevo had just begun, apartheid was in its final throes and the IRA was still blowing up buildings in London.

Twenty years ago, when I was wondering whether to take advantage of my 2002 Isa, we were licking our wounds from the bursting of the dotcom bubble, remembering 9/11 and wondering where the war on terror was taking us. 

Ten years ago, in April 2012, we were mired in the eurozone debt crisis.

The present is always worrying and the future uncertain. Only the past looks crystal clear with the benefit of hindsight and that is of no use whatsoever to an investor. 

So, you have my sympathy this weekend. It’s never easy to take the plunge. There are no guarantees, of course, but I’d be amazed if you don’t thank yourself one day for what you do this week.

Tom Stevenson is an investment director at Fidelity International. The views are his own. He tweets at @tomstevenson63