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The original was posted on /r/ukpersonalfinance by /u/dalian69 on 2023-07-02 21:37:40+00:00.

I know this is a question that depends on personal situation but was just wondering people’s opinions of what they would do in my situation and why?

I am male 28 and wife is 26. We recently got married. No kids. Mortgage bought house this year with 5% deposit. 5.17% interest on 2 year fix. We have 4 months emergency fund now. My pension is currently around £2000 since my focus before this was buying the house. My wife’s pension is around £3000.

I am currently self employed

For any spare cash what will be your allocation between;

1. overpayment of mortgage
2. Contribution to a SIPP. What percentage of income should i aim as minimum or maximum to contribute going forward.
3. Contribution to Stocks and shares ISA.
4. Contribution to a Stocks and Shares LISA.
5. ANY OTHER options.

Your thoughts will be greatly appreciated.