Who’s going to pay our pensions in 20-30years if the UK keeps its birth rate low and also restricts immigration?

I think the problem is housing costs too. Young people need to save fro their own retirement rather than relying on the state pension which isn't affordable. I think it would be a good idea to highly tax second homes (especially if they're left empty). There are exemptions eg when an executor is selling a home following death. It's disgusting that homes are sitting empty when young people can't afford to buy.

Yes the big issue is housing.

I said this several pages ago. Sort out housing and other necessary costs like utilities. Surely that's an easier solution than having 70 year olds hoying themselves round Amazon warehouses and then euthanising them five years later.

High levels of inward migration are associated with suppressed birth rates in the host population. It’s possible to speculate on why. Factors might included infrastructure and services stress, such as the affordability and availability of housing, access to healthcare, education and job opportunities; suppression of wages due to increased competition from people willing to risk for less; increased likelihood of needing to move further away from family support structures to fund jobs and homes.

Yep I agree, then you have the worry at the back of your mind that you’re letting life pass you by because you’re too concerned with 30 years down the line.

Threads like this terrify me. Sometimes it seems that even if you’ve planned well the odds are against you. My DH and I save into pensions. We’ll be ok as long as we have each other I think and somehow manage to pay off the mortgage.

We’ve risked a lot now to get our son a mortgage early (18, still at Uni) and save a paltry amount into a pension for both DC.

we need to do more don’t we? Feck. It’s never going to be enough.

Well not everyone would agree that people living in accommodation that is too dense, is best for the country if it brings with it a higher risk of ill health, poor MH, anti social behaviour and levels of crime.

If these properties are in the private purchase market, people will just buy other properties instead.

Do immigrants not age or something? How does that work? Or are we asking if we need even more immigrants down the line to pay the pensions of the immigrants we need today to pay for pensions ?

Tbh I wasn’t discussing what people want. I was speaking of whats best for the country

It seems to be what we are ending up with though

I read recently that a Reform council wants the gov to reconsider ending visas for certain overseas workers as they need the workers.

www.bbc.co.uk/news/articles/cx201znge11o

Writing, admin. Plenty that don't involve the stress of dealing with teenagers (and SLT) every day!

Yes the big issue is housing.

It needs to become affordable once more at x3 the average salary as opposed to x10.
The government needs to invest in social housing which cannot be sold off, rented to third parties, or passed down to a child/relative.
It could also build truly affordable, not for profit modular starter homes with things like solar panels for cooling as well as heating and be well insulated so minimum energy costs. Recycled grey water etc. These would be sold based on rises in inflation only (not speculative market rent so they always remained affordable).

There should be a rent cap for private rentals.

All of this would reduce the massive housing bill that the government is paying to private landlords. It would also free up more money for people to spend and do grow the economy. Perhaps people would be able to think about having a child/ more children.

There could also be incentives for elderly people to move out of larger homes into smaller properties (more of these need to be built as there is a lack of suitable single level housing at the moment). Apartments would work as they have lift access. They could have communal/ courtyard gardens with plenty of seating.

It seems to be what we are ending up with though

@frozendaisy I agree with you regarding equity release. I've been in a position twice where equity release would have helped me enormously (exH buggering off, etc), but I don't like the structures in place for those schemes.

People are not onsentivised to save for their own pensions because the government gives people we go have never saved pension credit so they get about £3 less than those who paid in years of NI stamps. People should be encouraged to save more towards their own pension for their old age.

It would be easier for the benefits system to be reviewed. But that’s not going to happen under a Labour government.

1.27 million immigrants claim UC. This should be a priority of our government.

I don’t care about what other people choose or who will or won’t pay for their care.

I know what I want—and what I don’t want—for myself. Everyone should have a choice.

My personal preference is to die with dignity rather than end up in a care home or make my family suffer because they’re forced to look after me.

There’s no point in threads like this one unless we’re willing to think about real solutions.

And the first solution should be to care for your elderly relatives at home, as many people do in other countries—if the relative chooses to stay at home until the end.

But it’s pretty awful to suggest to someone that due to the system failing them in old age, that it might be best for them to be euthanised…

www.bbc.co.uk/news/articles/ce8zn66k8rdo.amp @Shittyhouse

This is the major incoming issue. There does t seem much preparation anywhere.

It's the dignified bit that's expensive as it will mean following procedures etc.

@Shittyhouse I was surprised to read that too and though the same but I'm thinking they are comparing the costs of having doctors sign off the assisted dying bit, administer it vs letting someone lie in a bed wasting away unable to eat or drink much.

I don’t know the exact costs, but logically, they must be minimal compared to the expense of 24/7 care.

I want to decide my future while I still have my mind. I worked for a few months in a hospital and visited care homes with patients a few times, so I have a decent understanding of what it’s like. I know for certain that I would prefer a dignified death over living without my mind or the ability to care for myself in a care home.

I would rather leave my house to my family than have it go toward care I don’t even want.

I want to choose my life—and my future.

Genuinely I must be out of the loop, how are young people/parents self-funding university?

The loan is means tested based on parental
income. The gov expects parents to help.

Why are you so invested in killing old people? Have you watched Logan’s Run too many times or something?