I think your first objective should be to pay off the car loan. It's probably quite expensive. If your money is separate from your wife's, lend her the money to pay off her car loan.
It might also be a problem if by paying off the loan, your spouse thinks "Well now I have no loan, I can borrow €20k and buy an 08 car". If that is his way of thinking, then you should probably leave her with the car loan.
A pension is the best form of long term saving. When your car loan is paid off, you would be well placed to start a pension. Check out the pensions forum for the best way to do this.
You may trade up your home in the medium term, but you have enough equity in your current home to allow you to trade up. If you are planning to trade up soon, then I would defer starting the pension until after the trade-up.
Investing borrowed money in property or any other asset is risky. But you can afford to take that risk when you judge that the time is right.
How secure is your income? If it's not too secure, then you should probably save up some money in a savings account before starting a pension. You can always put this in a pension fund later. I would invest this in an equity fund as that provides the best long term return.
I don't like "What i want to do now is grow wealth......and quickly over the next number of years."
Wealth accumulation is a slow process. There is no hurry. The problem with hurrying is that you may take excessive risks and blow what you have already accumulated in your home.
Brendan