u/Inevitable_Aerie_928

Watching the footage back of the half time incident, Michael Murphy makes a beeline of about 70/80 yards for David Clifford which kicks off the brawl.

He has been tackling with a closed fist for years and finally last month it went horribly wrong with that nasty hit on Dylan Casey.

I know in Donegal he's seen as a God, but I'm not sure would everyone agree.

Would like to know what neutrals think of his legacy. A great player but I think he's some way off the list of top top players when being discussed in the future, especially for some of his antics.

Looking for some advice on pension planning, investments, savings, etc. There’s so much information out there that it’s hard to know what the smartest option is.

Current situation:

- Already own a home

- Salary is €80k

- Married, planning to have kids in the next few years.

- Wary that may need to move to one salary if having kids and additional costs that go with that.

- Potentially looking to move to a bigger house further down the line, so I also have it in my head that I may need to save for a second deposit eventually

At the moment:

- Paying 7% into my company pension, fully matched by employer

- Also contributing 10% to my company ESPP, which gives a 15% discount on the stock price

I’m currently trying to decide whether I should:

1. Continue with the ESPP for the next while.

2. Start/max out AVCs instead because of the tax advantages

From a financial planning perspective, should AVCs generally be prioritised before buying company stock through an ESPP?

I’ve also started looking into ETFs and investing outside of pension/company stock, so interested in hearing whether people think that’s a better route too.

Separately, I currently have about 2 months of emergency savings sitting in a deposit account. I’d like to build that to 3 months minimum. What’s the best place to keep an emergency fund these days?

I have looked at the flowchart too but feel like I'm going around in circles.

Appreciate any advice or experiences people can share.