[nly]

I see a lot of people at my place of work giving from their gross income via salary sacrifice simply because they've maxed out their pension allowance and would rather see a charity get it than pay the government another penny in tax.

Once I reach that level of income I'd probably do the same, even if on a take-home basis I didn't feel "rich" due to high CoL.

Right now though, my primary concern is having a big enough pot in retirement, so my tax advantaged contributions go to pension (401k equivalent)