Hi all,

I'm seeking some input and opinions on my current approach to financial planning.
I'm a 34-year-old male in the public sector earning 55k per year, still on probation until the end of July. I'm debt-free and looking to optimize my finances based on the advice from the pinned flow chart by the moderators. Here's where I stand:

I've established a 6-month emergency fund in my current cash account and am considering moving it to Bunq for some interest earnings. I'm also exploring options to keep my main savings separate from the emergency fund. Any thoughts or suggestions on this?

While Trade Republic is an option, I'm a bit hesitant due to uncertainties about its coverage under the Deposit Guarantee scheme. Despite potentially earning less, Bunq seems like a safer choice. Am I on the right track, or do you have different perspectives on this?

Regarding my pension, it currently stands at 8% of my gross pay each month. I'm contemplating increasing it to 15% as recommended in the chart, but given the unique nature of public sector pensions, I'm unsure if this is the best move.
Any insights on whether this would be a wise course of action?

I'm also open to looking into investing but from what I've read it seems due to the way most stocks are taxed in Ireland it's not really worth it outside of a pension? (Please correct me if I'm wrong on this one!)

My primary financial goal is to save for a house in the next few years and set myself up for the future. However, I also find myself conflicted about stashing away every penny into pensions and savings without enjoying some in the present.
Any thoughts on finding the right balance?

Thanks in advance for your advice!