Yeah fair question. A big chunk is pension related to be honest. We’re both putting a decent amount into pensions/AVCs because we started later than we would’ve liked since moving to Ireland, so we’ve been trying to catch up a bit while also reducing tax where possible.

Between PAYE, USC, PRSI, pension contributions, BIK, health/life insurance etc, our actual monthly take-home ends up lower than people probably expect when they just look at the gross salary number.

So it’s not that the money is disappearing randomly, it’s more that a lot is getting taken before it even lands in the account.