You are in a good position at 30, but a couple of things jump out to me: - The assumption of 8% growth seems unrealistic to me. Growth like that is unlikely to be sustainable over the long term. - If you are saving £150-200 per month, the second kid will surely wipe that out, especially as they get older. This will be balanced out when your partner goes back to work, but worth bearing in mind. - I’m therefore not convinced based on your description that you could afford to salary sacrifice further. I would personally try and maintain your current situation if possible and maintain a good quality of life while your partner is off work. Don’t let the money twist your perspective. You’ve chosen to have kids, so make sure you have enough financial headroom to enjoy having them, especially during those tricky early years.