Looking for advice on 90k lump sum that we have saved. That sum is currently in AIB savings account until decision made. Saving 1k a month also. Currently overpaying mortgage by 1k (2.5k) a month and hope to have it cleared in 6 years. Outstanding amount 180k at 1% tracker. No intention of moving. Husband aged 45 has no pension and hopes to change job this year. Earning 90k a year and keen to start pension. I am Public service part time who started late to the scheme. Estimated 10k pension at 65. No other debts or loans. 2 kids. My question is do we pay a large lump sum into mortgage or just put into saving schemes. We are keen to start a pension for my husband when he gets new jobs job but unsure if we can put lump sums into that or if even advised.