Pension
Hi Kittyjo,
You aren't giving enough information for people to judge.
You may have 30k savings, but do you own your own home or have significant equity in a house i.e. a large part of your mortgage paid off?
You have obviously lost out on significant tax allowances, which is unfortunate.
If you own your home then that would make a significant difference. If you are renting and don't own a home, then you have to factor in the cost of renting when you are at retirement age.
Best of luck with your savings decision.
Regards,
Gearoid