Would you prioritise pension contributions or investments on a part-time income?

[Handsfreeme]

I’ve recently managed to get a self employed regular shift in healthcare that gets me around £425/ day before tax.

I only work 2 days a week as I have 2 year old twins so this is right for us at this time.
I am putting £350/ month into SIPP and some into savings, some into spending money and some helping husband with bills.

What would you prioritise- investments or pension?
I realise I am lucky to be earning well part time

Putting it in the pension adds tax relief to the mix but locks cash up until you're 55. I guess if you've two year olds your some way back from there!!

Have you enough in accessible savings to cover disasters or a few months out of work?

Down in the weeds this is probably speak to an adviser territory.

Need more information to make a judgement! How old are you, how much do you currently have in pension, savings/ investments? Any major financial goals on the horizon, like a house deposit?

I’m 30
I only started my SIPP a year ago so only a few thousand in there
I have around 50k in savings
Weve already bought our house and nice cars
We don’t have any major goals aside from a holiday abroad each year and maybe setting up my husbands business

I would increase your pension contributions up to £500 a month.
You say you have 50k in savings. Is that in cash? If its all cash, I'd open a s+S ISA and put £20k of that away in a global tracker ASAP.

In that case I would focus on SIPP and benefit from the tax efficiency - sounds like you can easily afford the holidays with your earnings and have a very comfortable buffer in savings 😊