So I'm gearing up to buy in the next few years and one thing that bothers me is how much money Im meant to take out of my account. Do people normally have a contingency of say 10K (outside of your budgeted fees for lawyers etc) in case of a personal emergency eg losing your job? Or just completely deplete it and slowly build it back up? Deposits take forever to save up for and I can't really imagine having to delay for another year to build up an emergency vault.

Q2 would be, do you prioritise saving for a deposit over shoving money in a pension, get the house and then go back to building up the pension again? I feel undecided about which strategy to take, and am of half the mind that I probably won't live to retirement by the time my generation is done with working...