The double-earner income tax penalty

…though of course 30 years of tax deferral aren’t really “nothing”. We’ve recently had that discussion over here.

Personally, I wouldn’t bother to invest in pillar 3a either, without getting a sizeable tax break upfront - but I wouldn’t rule it out as a consideration. Though one should keep in mind that the money will still be taxed at the time of withdrawal later (e.g., you contribute after-tax money without having a meaningful deduction - and then get taxed again on the withdrawals later).