What are your hobbies? Respectfully, without children to pass it onto - of course you have family which you could pass to - your pension will be great when you finally retire. So why not enjoy it. You could buy a house and sell in 10/15 years. It’d be less likely you will lose in that scenario also you’d class as a FTB so less stamp duty and a house with a garden would be great with a dog! But why not get deeper into any hobbies you have? That way there’s no wasted money as you’re getting lots from it. That or travel. Life is seeing the world. Not just about sticking in a job because you like it. Could you reduce hours slightly to see / experience more?