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@noose If she isn't paying much tax then there isn't a benefit, if she earns more in the future/becomes full time when the kids get older then it is worth thinking about. Each EU etf purchase (even into the same etf) is treated independently so if you buy once per month you have 12...

@noose I would agree with others max out the pension contributions, including your wife's. I would then focus on paying off the mortgage with anything left over as it's guaranteed tax free return. Also have you lookined into investment trusts,berkshire hathaway and eiis schemes, it's worth...