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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think that there is no hope here?

956 replies

Taxed · 28/07/2025 07:36

52.6% of UK individuals are reliant on the State (that is 35 million people). Only 47.4% are net contributors. How did we get here?

AIBU to think that the UK is now a declining economy that will never recover if this continues to be the case?

I am 49 and a high earner (just shy of the top 1%). My husband is also a high earner and we are thinking of leaving. We don't know where but we know we have to as the situation in the UK is getting worse not better. The only thing that is keeping us here is our son, who is still in secondary school. I am actively encouraging him to consider a future outside of the UK.

I genuinely feel that being ambitious and successful is not worth it in the UK. People hate you for it and want to see you penalised. They think that whatever you do to earn the money it must be easy and a breeze. That you are greedy and need to be made to pay for doing well. Just last week, I heard that the government might be thinking of implementing a charge, payable by high earners, to access the NHS. Everything is about taxing the already heavily taxed even more and few want to face up to the fact that this is unsustainable when you have most of your people relying on the State to live.

People complain about the immigrants but they make up a tiny proportion of 35 million.

I feel disliked for doing well and just can't see a future here and it is making me angry and sad. I believe in having a welfare state, in helping those who are in need but 52.6%? The country is on its knees when most of its people are in need. That is like a developing country not a developed and thriving economy.

Sorry for the long rant. I'm just tired, sad and have just about lost hope of enjoying life in the UK.

OP posts:
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lifeonmars100 · 28/07/2025 11:24

What do the top 1% earn and what do they do? Whatever it is my heart breaks for them, life must be so hard, bless them and may they find peace, fulfillment and even more money. Meanwhile in the real world, we've got 4 food banks near me, one has just moved to permanant premises. The local church does a free meal every Wednesday, there is such a high demand that they have to turn people away. all the houses that come on the market are out of reach of the pocket of local wokers so get bought up by landlords who then neglect then . I have seen the area I live in fall into such decay and disrepair that I hate leaving my house, but hey, spare a thought for the hard done to 1%, they are the true victims in the decline of this country.

Shallwedance2000 · 28/07/2025 11:24

Many people feel that there comes a point in life when trading your time for shit wages and a shit life just isn’t worth the effort.

Live off the state. Commit crime. What’s the point anyway?

That is the mentality those moaning about being net contributors are fuelling and some people on low incomes and benefits feel just as trapped as OP just in a different way. Who pays what amount of tax doesn’t change that.

OP has relatives in America. Instead of changing her life and moving there (I doubt she will ever move out of the UK) the statistics she presented are skewed to suit her own narrative.

The fact is net contributors don’t add value to anyone’s life more than the bin men that collect the rubbish, the street cleaners that clean up the dirt and the list goes on and on. Not everything that is quantifiable is meaningful.

Quirkswork · 28/07/2025 11:21

Tangfastic71 · 28/07/2025 11:19

But immigration as a whole is a net contributor to the UK so stopping people coming in will make the situation worse. The average immigrant contributes more than the average person already here

I thought that had been debunked? Anyway it's a Ponzi scheme. Those immigrants are going to get just as old and prone to illness as people already here. And they will never earn enough in their lifetimes to be net contributers as they aren't mostly high earners.

poetryandwine · 28/07/2025 11:19

My post above was for @PurpleChrayn whom I forgot to quote

Tangfastic71 · 28/07/2025 11:19

Quirkswork · 28/07/2025 11:04

That is probably true. Ideally we need to stop more people coming in that rely on benefits and concentrate on improving the lives and work prospects of the people already here. AI and Labour won't help this situation so we will be waiting until 2029 keeping everything crossed that something turns up...

But immigration as a whole is a net contributor to the UK so stopping people coming in will make the situation worse. The average immigrant contributes more than the average person already here

PandoraSocks · 28/07/2025 11:18

EasternStandard · 28/07/2025 10:59

Why does the bold underlining make a difference?

ONS: "The proportion of people living in households receiving more in benefits than they paid in taxes decreased from 53.6% to 52.6%"

OP: "52.6% of UK individuals are reliant on the State (that is 35 million people)"

EasternStandard · 28/07/2025 11:17

TerminalMoraine · 28/07/2025 11:14

@Quirkswork
Remember 2010-2024? Oh yes, everything was brilliant during that period…….austerity, Brexit, Johnson’s appalling government during covid, etc.
Labour are trying to deal with the fallout of all that Tory shite over the previous 14 years.
If Reform were to be elected Farage wants to spend 17bn on prisons, deportations etc with funding from scrapping HS2 (wasting what has already been spent) and scrapping net zero (after the much hotter summer weather we keep having in recent years).

Labour are not sorting it out by going after SMEs with higher taxes. It’s why they’ve also gone for welfare cuts and are already eyeing up more tax rises.

Quirkswork · 28/07/2025 11:16

Rosscameasdoody · 28/07/2025 11:13

So child benefit claimant good, every other benefit claimant bad ? You should only be able to take out what you put in ?

No. I mean it's everyone for themselves. Look at the junior doctors. They don't care about patient.lives. They just want more cash. The social contract, as I said at the start, has broken down. If I'm entitled to some cash I'm claiming it. I don't blame people who claim benefits if they are entitled to it. I blame the government (s) for putting people in the situation where they have to claim benefits in the first place which has caused this mess. And that's governments of both sides.

poetryandwine · 28/07/2025 11:16

I presume this has to do with anti Semitism. I do think that exists to a surprising degree in British society and it is inexcusable.

Economically, as Israeli residents you will be taxed on your worldwide income. I am sure you know, but others may not, that until very top brackets income taxes and VAT are a bit lower than the UK, VAT is a bit lower, and there is no IHT. But other taxes are a bit higher and professional salaries are notably lower.

To say nothing of the war

NoSoapJustUseShowerGel · 28/07/2025 11:15

So you don’t think it’s fair that people who have lots of money pay more tax than people who don’t have much?

TerminalMoraine · 28/07/2025 11:14

@Quirkswork
Remember 2010-2024? Oh yes, everything was brilliant during that period…….austerity, Brexit, Johnson’s appalling government during covid, etc.
Labour are trying to deal with the fallout of all that Tory shite over the previous 14 years.
If Reform were to be elected Farage wants to spend 17bn on prisons, deportations etc with funding from scrapping HS2 (wasting what has already been spent) and scrapping net zero (after the much hotter summer weather we keep having in recent years).

Shallwedance2000 · 28/07/2025 11:13

Quirkswork · 28/07/2025 10:37

No one owes you a living though. What's the alternative to work? It shouldn't be relying on the State unless your circumstances genuinely mean you can't work and support yourself. You can't not work just because you're chippy someone else is getting rich..assuming you are on the legal wage.

Crime but then the tax payer still pays when you are in prison!

Rosscameasdoody · 28/07/2025 11:13

Quirkswork · 28/07/2025 11:09

Why shouldn't she? She should get as much as she can out. She's paying enough taxes.

So child benefit claimant good, every other benefit claimant bad ? You should only be able to take out what you put in ?

Quirkswork · 28/07/2025 11:12

aster10 · 28/07/2025 11:10

I wonder how these stats compare to similar stats in Scandinavian countries (economies with a strong social component) or, say, Canada.

There aren't going on for 70 million people in places like Norway. There are about 5 million.

Rosscameasdoody · 28/07/2025 11:11

woodlandcalm · 28/07/2025 11:07

This.

Couldn't work out if the comment "if you're in such a high earnings bracket why do you feel the need to keep it all to yourselves and why do you think you shouldn't have to pay for things?" was being serious. Hopefully not.

It was perfectly serious l think. We’re a society and we all have to pay - from each according to his means, to each according to his need. That’s how it’s supposed to work.

Quirkswork · 28/07/2025 11:10

angelos02 · 28/07/2025 11:09

In a way, I don't blame young people just opting to not work - people I know in their 20's and even 30's are either still at home with parents or in a house-share. There isn't much of a difference in their lifestyle whether they work an average paid job or not work at all.

They can't get a job now that Employers NI and the increased workers rights have decimated the part time and starter jobs industry that young people rely on. Labour is not for the young.

aster10 · 28/07/2025 11:10

I wonder how these stats compare to similar stats in Scandinavian countries (economies with a strong social component) or, say, Canada.

angelos02 · 28/07/2025 11:09

In a way, I don't blame young people just opting to not work - people I know in their 20's and even 30's are either still at home with parents or in a house-share. There isn't much of a difference in their lifestyle whether they work an average paid job or not work at all.

Quirkswork · 28/07/2025 11:09

HappyNewTaxYear · 28/07/2025 11:08

I hope you’ve never claimed child benefit OP.

Why shouldn't she? She should get as much as she can out. She's paying enough taxes.

Namechangerage · 28/07/2025 11:09

Taxed · 28/07/2025 11:05

It does not matter. It is unaffordable whoever it is. And if you think the solution to it being unaffordable is to tax people like me even more, then yes, the only option is to leave.

So you don’t think anyone should work for the public sector because we can’t afford it? We’re still paying taxes you know. Should we just sack all the street cleaners, police officers, doctors & teachers? Who will teach all the young people who are trying to get out there to work and get jobs in the private sector?

Where did I say that I think the State needs to tax you more?!

Rosscameasdoody · 28/07/2025 11:09

Taxed · 28/07/2025 11:03

They're just not getting it. Screaming but it is the pensioners is missing the entire problem. It does not matter who make up that 52%. It is growing and those who are bearing the burden are breaking under it.

Ambition is being battered and those who are net reliant on the State today and not helping to fund their State pensions tomorrow. It is a self defeating cycle. So if you want to focus on the pensioners, the problem is even more stark in terms of what we are storing up for ourselves in the future.

Before 2020, I doubt we had some many people (even excluding pensioners) relying on the State as they do now and the problem is not "the immigrants".

See the post below yours by @VioletandDill. Explains very nicely why it does matter who makes up that 52%.

HappyNewTaxYear · 28/07/2025 11:08

I hope you’ve never claimed child benefit OP.

woodlandcalm · 28/07/2025 11:07

Quirkswork · 28/07/2025 08:05

Why should anyone else have the right to more of the OP's money? It's not the State's
Or yours. It's hers as earned by her. By working presumably.

This.

Couldn't work out if the comment "if you're in such a high earnings bracket why do you feel the need to keep it all to yourselves and why do you think you shouldn't have to pay for things?" was being serious. Hopefully not.

TheMockingTurtlesAreDigggingIt · 28/07/2025 11:06

The things that worry me the most are that things I got 'told' by the goverment keep changing.

So for example when I planned my future I took into account what age I would get my state pension and the fact it would keep in line with inflation.

When they keep changing this it makes me worry as I have built my plans around what they told me would be part of my retirement.

For example my state pension was 'fully paid up' when I was in my forties and it says I couldn't increase it even with further contributions.

With that safety net I left work to become a carer to my elderly parents (no benefits claimed as they paid me to do it from their savings).

I'm in my fifties now and living on my own savings till my first private pension kicks in at 55 or it might be 57 cos they keep moving that as well.

I've based all my calculations of how much private pension I needed to save and when I could stop working (to be a carer) based on how much state pension I would get and when.

When they keep moving that goal post and you are in middle age it is very worrying because how can you plan when things keep moving under you.

I also took into account what my costs would be (living frugually which I am fine with). That would have assumed there was an NHS and dentist services and ambulance services etc. I'm already paying private dental care which isn't something I expected to have to do and it appears the NHS might now be charged for (I can see some benefits to that but....again another change to my budgeting requirements which I have no control over).

So yes I planned to be self sufficient based on what they told me I could expect.

So can I rely on that or should I assume the state pension will keep moving further out until it becomes almost nothing.

I feel like part of retirement planning now requires a crystal ball and praying alot.

VioletandDill · 28/07/2025 11:06

How are people supposed to be socially mobile and ambitious when working even a full time job doesn't guarantee that you'll be able to keep a roof over your head?