Private pension and Recycling rule,advice and help

I think you are confusing the limit created by total earnings per annum with the Annual Allowance (£40k per year but can be carried forward for up to 3 years).

Both apply, but for those with relevant earnings below £40k, the relevant earnings determine the maximum contribution to all pensions.

Is the pension that you are planning to take a DB or DC pension? If it is DC are you planning to take more than the tax free amount?

If it is a pension from your current employer you may also have to check on any special conditions related to continued work.

If you are planning to take a DB pension then you can continue to contribute up to £40k per annum (or your salary if lower) to a DC pension. As I mentioned, some employers won't let you take a pension that you built up while working for them and continue working unless you reduce your working hours so that your total earnings from pension and salary are less than your previous salary.