I have returned to my nhs job working 2 days a week after maternity leave and intend to stay part time for the foreseeable future. I intend to take on an extra private job but this work will be adhoc and I doubt there will be a pension involved.
My dh overpays his private pension as he only started it quite late in his career. He does earn a fair bit more than me and pays it into the joint account but....
I am just concerned about not having a decent pension when I retire and also want to protect myself a bit should the worst happen with me and dh ( I don't expect this btw, we are v happy).
Should I start an extra private pension with the cash I will earn privately or is it even possible to over pay into my nhs pension ?