I've recently returned to work after maternity leave and have been doing 3 days a week for the first 3 months using annual leave. The annual leave year restarts after that and I had been planning to go back to 5 days. However the 3 days is working quite well at the moment and I'm seriously considering dropping to 0.8 FTE and doing 4 days a week, at least while DD is nursery age. Has anyone regretted doing something like this? I've worked out that we should be able to afford it but would mean a drop in ability to save and maybe less frequent trips to see family abroad. I guess it would also detrimentally affect my pension.