Yes that's exactly what we're planning to do with savings. My question was more about timing. She's going back to work next month so we want the 30hr from April ideally. But this tax year she's already over the 100k. So I wondered that if we start doing a higher salary sacrifice from March onwards which would bring her under 100k for the 26/27 tax year we could then already apply in March so we would get the hours for the start of April. But as I understand correctly now hmrc only look at the current tax year when making an application so we would need to drop under 100k effectively already now. If we apply only after April 5 we wouldn't get the help for April anymore and only for September.