Age: 52 Spouse’s/Partner's age: n/a Annual gross income from employment or profession: €76,000 (once I'm back in Ireland) + other income (see below) Annual gross income of spouse: n/a Monthly take-home pay: €4,100 approximately Type of employment: e.g. Civil Servant, self-employed Civil servant pemanent In general are you: (a) spending more than you earn, or (b) saving? Saving:- Once I'm back home, I expect to save around 1,850 Euro a month. Currently I'm saving around 50% of my salary at present - I have always had a history of being quite a good saver (not all the time, mind!). Rough estimate of value of home: €750,000- €775,000 (this may be a touch conservative). Amount outstanding on your mortgage: €0.00 (Phew! Mortgage repaid as of July 2018, very much ahead of schedule) What interest rate are you paying? n/a was 3.7% Do you pay off your full credit card balance each month? yes If not, what is the balance on your credit card? n/a Savings and investments: Approximately €410,000 in liquid assets, of which roughly €75,000 in shares and the rest in cash. Do you have a pension scheme? Yes through work DB scheme (I'm a pre-1995 entrant). Do you own any investment or other property? No. Other borrowings – car loans/personal loans etc: Nil. Hi all, I'm coming back home in 2019 after being away for a few years (was on career break). I was wondering what you think my next steps should be now? I have over 23 years of contributions on a DB pension with my job - I plan to retire at 60 or so, so I'll be up to to over 30 years on the pension side (out of a max of 40). I could buy back years, but that will be rather expensive. I was just wondering if anyone had any guidance or suggestions, as I'm a little short of ideas at present given that I was working towards making myself debt free. I am open to purchasing more shares (but will do the relevant research first naturally!). One last thing, I do get the opportunity to do work abroad from time to time which works out at around 900-1,000 euro per day which could be used to help me buy back years...if I'm lucky, I'll have around 20-30 days of work in 2019 (it might be more, could be less). If you have any questions or comments, do let me know. I'm very much looking forward to hearing from you. Best, Opus2018.