40k pa - 29 yrs old

Well I would drive the car into the ground...and focus on paying off the loan.
Your share port-folio might recover...hopefully, eventually!
You need to have some emergency cash funds...at least €1000 I would say...ideally 6 months cost of living, eventually.

Well done you. I wish I had been as good back in the day!
 
If you want my opinon at 40K at 29 you are doing well. I am assuming you are degree educated and working in a non management role or you have been working since school with steady progression (work experience will match your degree in this case in my opinion). Just check your pension scheme, you mention it is defined benefit and you are paying in since 19 but you also mention you have changed jobs. Are you sure it isn't defined contribution.
 
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