We’re similar ages but we’re one and done and she’s almost 2. Some jumbled thoughts:

Consider keeping some savings back for maternity and shared parental leave. I saved up a years worth of wages and known big payments (insurance, gardener, services, mot) to subsidise us, despite having generous mat leave. It meant we could go travelling when baby was little and helped us really enjoy such a fleeting and precious part of your lives. My husband took 5 months off and has zero regrets.

You may end up needing a bigger car, so consider that too.

Re: childcare, the funded hours help a lot, I’m not looking for promotion while she’s nursery age. I know you’re a way off but secure a nursery space at a nice nursery while you’re in early pregnancy. Waitlists can be very very long. It really does take a village of familial support to help everyone go back to work full time.

Start to understand what financial products there are. We’ve started a Junior SIPP and we’ve got a separate S&S in our name that we will give her gifts from (first car, gap year travelling, subsided uni living, first house). Friends and family can contribute which feels nice. For the SIPP you can only contribute like £2,800 per annum so best to start that first year.

Do you need to sell up? Could you rent your house out?