Age: 41 Spouse’s/Partner's age: 41 Annual gross income from employment or profession: E76k Annual gross income spouse: E0 Type of employment: private sector Expenditure pattern: We are both generally 'savers' Rough estimate of value of home E260k Mortgage on home E120k - 10yrs left Mortgage provider: EBS Type of mortgage: Variable 3.7% Other borrowings – car loans/personal loans etc None Do you pay off your full credit card balance each month? Yes Savings and investments: E100k Do you have a pension scheme? Yes. Current value E130k. Pay 6.375% roughly E420pm with employer paying 10%. Wife paid pension for about 10years before becoming homemaker. Do you own any investment or other property? No. Ages of children: 5 year old Life/health insurance: - mortgage protection - health insurance - company pension includes death in service What specific question do you have or what issues are of concern to you? Savings all currently available immediately in savings account. So earning next to nothing. Have begun to overpay mortgage. Not sure whether to redirect some of the savings into making a dent in mortgage, continue just overpaying, or if I should be contributing more to pension, or keep saving away. Thanks for your time.