Near-Term Goals. Am I approaching it right?

Excuse me - you think you'll be made redundant??

What if you struggle to get a job afterwards? What if you don't get anything beyond statutory redundancy?

You absolutely shouldn't buy a holiday home imho. Savings, pension and then wait to see about job security...
 
The older you get the less likely you will be made redundant as it is too expensive for the company. See RTE recent scheme, they have different rules if you are over 55 or over 61, so don’t plan on a massive payout to boost your retirement.

If you do save aggressively and buy the house in the canaries in 2029, what will be your financial position with regards to income by the time you are 66. That is the key question you need to ask yourself. Or if you are made redundant in 2030 what is your plan then.

You will have a house in Ireland, a house in Spain, and €800 a month income, plus the contributory state pension. Plus a dependant spouse, with a state pension? And the question is can you afford the lifestyle you are envisioning then? And how much use will you have had from the property in Spain before you retire?

You seem to have great saving power, which is amazing. But you need to be very clear to yourself if your decisions now will be right for you financially to live a long happy and healthy post earning retirement whether that will be 55, 60 or 66.
 
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