I'm a public sector worker, the majority of my income is not pensionable even though i pay pension levies on all my income. Again the priority on my take home pay is childcare, tax on first property, rent on property i live in, try and save for a mortgage. There is nothing really left for extra pension contributions. I read here previously that saving for a mortgage should take priority over pension contributions, but i'm not sure if this holds through if you are in your 40's? Also college costs will be entering the equation in the next few years. Would ideally like a home before then. I pay ~ 1,700 a month in tax (tax on first home, prd, usc, tax, prsi) (my take home pay is ~2,400). I'm still unsure if pension or a home should take priority. I don't feel comfortable leaving my chance of a roof over my head to chance