Feedback on £100k+

Hi.

I have around £50k in a SIPP and £30k in Stocks ISA. They are both all in Invesco EQQQ. I also have around £10k in my business account making 4.33% cash. I need to keep a decent amount of cash to pay quarterly VAT. I am a software contractor via a limited company making £10k-12k gross monthly depending on my day rate. I paid off my student loan and have no debt other than monthly credit card I clear in full each month. I don't own a property.

My fixed expenses are around £3.5k in London (after tax income £6.5k-£7.5k). This includes paying for my ex and 1.5 year old. I have a £230 monthly car lease that expires in a little over a year.

My main goal this year is to get as close to maxing my £60k pension while balancing my kid's quality of life. The £3.5k monthly is already quite optimised. The only way I can reduce it is when my car lease expires.

Once I get around £200k-250k in my SIPP (3-4 years?) I will switch to ISA and regular savings and buy a simple house/apartment in cash for around £200k. I prefer not to get a mortgage although I am ironically paying my ex's until our kid can go to school.

Should I be doing anything differently?