Hi guys, as it’s my 32nd birthday today I’m having what I’m hoping adds up to being a 1/3 life crisis here. Looking for some general advice/information really. I apologise for what will probably be a long rambling message The background on myself is a 32 year old recently married engineer moved back from Australia late last year and in a new job about 4 months now. As all the more pressing details of moving home, finding a job, getting married and finding a place to live and buying a car are finally sorted I’m starting to look into my financial planning. Basically I’m a pension novice as when I was in Australia it was mandatory to have a superannuation fund of 9% of your salary which the company provided and I never really paid too much attention to. Those separate funds which I’m working to consolidate are untouchable until I reach retirement age but are around €35,000 area when changed from dollars. As of yet I haven’t set up a pension plan here and the calculators online are throwing up very different numbers to my (probably completely wrong) excel calculations. As My wife and I are currently on €90,000 our max tax incentivised yearly input is €18,000 which we can just about swing. When I run the numbers of that until I am say 62 assuming a 4.5% interest I come up with €1,165,500 which if we took €40,000 a year would get me to 92 but when I run said numbers online they feed me back annual pension amounts of below €15,000. All this is with me ignoring the state pension as I have no clue what it will be or if it will still be a thing in 40 years time. I guess the whole thing has me completely spun around. Simple questions like is ourprojected annual pension amount a % of our net or gross salary? Same with the % of our salary we are supposed to be contributing. Any help would be greatly appreciated and I’m sure I’ll have more questions when you answer my basic initial ones.