Increased costs - Utilise savings v continue with pension contributions

I have a choice to make and hope you can help me with it.

My work week is reducing beginning next year from 5 days to 3 days a week. I am 4-6 years from retiring.

Currently I am maxed out on pension contributions at 40% tax relief.
The 3 day week will mean I will only be entitled to 20% tax relief on any contributions I make.

Living costs are increasing all the while - two of the kids are in 3rd level and 2 more in next 1-4 years and car insurance for learner drivers (2 persons) is imminent.

The clear choice I have to make for the next 4-6 years before retiring is do I continue with pension contributions that only attract 20% tax relief and fall back on savings to fund the increasing costs or would it be better to reduce pension contributions to zero or the minimum necessary to also get the employers contribution.

Currently have savings 180k, pension pot 170k and mortgage of 40k. No other loans.

My wife works full time and has a pension pot of 160k and she contributes 16k p.a and her employer 4k p.a.

I'm thinking perhaps run with reducing my contributions to zero or minimum, continue in as far as possible with wife's contributions or perhaps partly reduce her contributions from 16k to 10k and utilise savings then as is necessary.

Any thoughts appreciated that might help me to decide the best course of action to take would be appreciated.

Daddy,
The joys of children!
The little darlings will in 3rd level make a good hole in your savings , so spin the savings out as best you can.
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If wife can get 40% tax relief then increase her pension contributions.
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You are still getting 20% on pension contributions , still much better than deposits on after tax income.I would definitely keep up contributions.
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If variable rate mortgage , pay it off , why pay 4% v savings rates of 1.5%.
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How much do you need at retirement.

2 state pensions circa 550
2 pension funds circa k400 circa 400 (takes about k20 to but k1 in pension)(added both)
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Weekly retirement income circa 950 per week.

Thanks Gerry.

Tracker rate mortgage. Lowest available.

180k savings tied up in PO Savings Certs/Bonds - at maturity Christmas 2015 worth 55k (will help with increased costs) and June 2018 145k. So 200k.

Yes I think avail of any shortfall my wife has on her age contribution to increase to max and reduce mine to zero or minimum necessary might be way to go.