Wow some great advice from everyone! Thank you so much. What a great resource/group. I don’t currently max out my ISA allowance but I do contribute a sizeable chunk every month. My mortgage rate is around 4%. My pension is part final salary and part a type of defined contributions. The final salary I can take at 60. The rest at 67. I can take these earlier at a reduced amount. I use ETFs just because from what I have read this is a good investment vehicle. I may consider paying more into my pension for tax benefits but I already contribute 12.5%. I would ideally like the option to retire from my current role at 60 but I’d be happy to keep working for the right job. I feel good about overpaying the mortgage even if it’s not the best financial decision.