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Spend enough on beer and you reduce the odds of surviving even further...
All this stuff is weird though - what feels right probably isn't always technically the best answer - I overpay on mortgage too even though it's not as tax efficient (gives more flexibility against property price crash etc, though)
andyfallsoff
@hippy
But the quicker I pay off mortgage, the more money I have for beer whereas I'll be dead before I can even get to my pension.
Fair point though. I have some other salary sacrifice saving things running. What I might do is when they expire/mature I'll stick that into pension instead. Then, I won't notice any difference to my spending money and can overpay randomly if I feel flush