Do you own your own home?
Do you have other assets?
Are you single?
Do you have dependents?
What does your lifestyle cost in terms of essential outgoings?
What is it likely to cost when retired?
What is your PRSI contribution record like and are you likely to qualify for the contributory old age pension from 66+?
Might you need to plan to build up additional PRSI contributions/credits for this?
Etc...
At the risk of the usual ridicule from certain posters, I suspect that this question would be better posed and might receive more appropriate feedback in the context of a Money Makeover.
It can be difficult, but please try to use a meaningful title in your thread For example "27 year old with mortgage arrears". You will get a much better and much more coherent answer if you give as much information as possible in your first post. For example, if you give your mortgage rate, it...
Unnecessarily so too. In many instances like this one the Money Makeover is the best and most efficient approach. Threads can go on forever with questions to and fro because the OP has not provided everything initially, whereas the information covered comprehensively in the MM template is the obvious way to go.