Pension Entitlement for non-worker

jackyann

Gadgetmind is correct: before anything else, check her state pension entitlement. Without knowing her age, the years she has contributed (and any credited years) we can't advise - but given changes , best to go to gov.uk, if you can work it out fine, if not request a forecast.
Paying for extra years in the State system is one of the most efficient ways of boosting a pension (if needed - she may already have enough contributions)
Before any other decisions, I would get a forecast on state & NHS pensions. That gives you the base to work from.

Just as an example: if both of these are due in the next few years, and are enough for a decent basic standard of living; it may make more sense to boost savings than pension.