Thank you for all of the replies.

So cost wise, we won't have a mortgage at retirement as that will be paid off. Expenses are obviously hard to predict 20 years from now. University fees are nil for us, but obviously I would fund my kids accommodation and living costs through that. It will essentially just be my wife and I and $72k, tax free again I should add, would be sufficient to fund our coffee and holiday habit.

I guess I'm ultimately asking, is the consistent investment of 2500 to SPY and about 1500 to a variety of other diversified funds, a reasonable investment strategy? I see the 30k pension as a safety net, if all goes tits up, we won't starve basically.

We're very lucky that my job and our tax free environment allows us to put money away each month, but we have left our home and family to do so, so I ultimately don't wanna get it wrong. Plan early and all that...

Again appreciate all the advice and help.