As a married couple with both working, you can earn up to €67,600 before you pay tax at 40%. In other words, you would only be getting tax relief at 20% on your pension contributions. So you should not be making pension contributions.
When your income rises and you are being taxed at 40% on your marginal income, you can start contributing to your pension.
With 10 years to do to your kids' education, you should build up a portfolio of shares to maximise the return. As you get within a few years of spending it, you might consider switching to deposits. But if you put it on deposit now, there is a significant risk that you will lose a lot through inflation and taxation.
Brendan