Things like life insurance, ISA, retirement and all those other savings people do with other companies make no sense to me.
I have Monzo pots now and what I did was create Cash isa pot, individual isa etc and I I have goals per each tax year as exaplained in the example here: https://www.gov.uk/individual-savings-accounts/how-isas-work .
All I want from Monzo now is to help add notes section in pots and ability to initiate an auto transfer to each pot when I get payed.