Looking to figure out how best manage finance/debt to hopefully retire early

RedOnion said:

Your earnings are more than 115k, so tax relief is capped at 25% of 115k (I assumed you are contributing 20% of 145k, which is almost identical).

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To add, if purchasing notional service is not an option for your wife (or even if it is), she could look to transfer her tax credits to you, in which case she would have scope to get the full relief at 40% for any AVCs.