Age: 32 Spouse’s/Partner's age: 34 Annual gross income from employment or profession: 75000 Type of employment: Private sector, IT Annual gross income of spouse: 35000 Type of employment: Self-employed (mostly flexible hours) In general are you: (a) spending more than you earn, No or (b) saving? Yes Rough estimate of value of home: None (Renting €1300 a month between us) Amount outstanding on your mortgage: N/A Other borrowings – car loans/personal loans etc None (Mostly use public transport and will keep current car for as long as possible) Do you pay off your full credit card balance each month: Yes Savings and investments: €95,000 in savings accounts €65,000 in unit funds €8,000 in company shares Plan to start buying shares (mostly ETFs) from now on through broker rather than increasing unit funds. All of above in just over 6 years of saving, before that was paying off college loans. Do you have a pension scheme: Yes (€45,000 total, maxing out with 20% of income AVC in DC pension this year, plan same for next years depending on tax changes upcoming) Ages of children: None (planning for 2) Life insurance: None What specific question do you have or what issues are of concern to you? We work and rent in Dublin currently with jobs secure hopefully for next couple of years and beyond. My own expenses are currently below €25,000 per year and my spouse about the same. I am saving, investing and adding to my pension with the rest each month. My dream is we buy somewhere in the countryside with a few acres about 2 or 3 years from now (nothing too fancy) and I try to become more and more self sufficient in our spare time. For as long as needed I would continue to work and save hard, increasing investments and paying down the hopefully small mortage with big deposit ready between us. If I continued to save and invest around €35,000 per year, do you think it is realistic that I could be semi-retired by 40? My spouse would continue to work because she loves it whereas I would hope to become a hobby farmer/gardener/child-minder and also do some part-time work to bring in a small income. I don't share the details of how much I save each year with my friends but they generally laugh when I say I plan to semi-retire at 40, talking about expenses such as children ahead of me that will make it impossible. I am pretty frugal and very happy with the standard of living my current spendings allows me. I plan to see an independent financial advisor in New Year, waiting until then to see what changes in tax and pensions are there after budget. Do anyone see a big flaw in this plan? It is the pension contribution gap in between 40 and 60 that I think might be the weak point. I started working when I was 15 and paid my own way through college with work and loans. Things have changed in the meantime so maybe I am underestimating the costs of bringing up 2 children being compatible. Thanks in advance for any feedback.