To think the UK unfairly taxes families?

What on earth? You are literally the people benefiting from the NI payments: you are receiving your pension and using the the NHS (the NHS is part of the reason we have such an ageing population)

my generation are very unlikely to be recieving any state pension.

Working people still have to pay NI even after they have paid for the required number of years

Nobodies saying that working people are not having a hard time. What we are saying is you are not unique and what it is you want today's pensioners to do about it.
I would be happy with them increasing tax and getting rid of national insurance especially if the threshold were £25000 as has been mentioned.
Our combined pensions don't come near that figure.

Many

You said that people receive 15 free hours for 38 weeks. Incorrect, I think? It appears to be 30 free hours.

Of course pensioners don’t need childcare 😁 I was saying that pensioners earning up to £100,000 per annum - which I’d argue is fairly universal - do not qualify for 30 hours of social care.

Sorry, I thought obviously.

Those pensioners received no free childcare at all. Swings and roundabouts.

Pensioner benefits do need to be looked at, but demonising pensioners is neither mature, sensible nor pleasant.

Yes, fair better to chastise young people and accuse them of moaning for acknowledging facts. That's a good way of reducing intergenerational inequality.

Not just pensioners. Anyone on here under pension age will just be paying income tax on savings/investment income, rent on their BTL.

Don't make it all about pensioners and you have a much better argument.

Just wanted to add I am a pensioner and wish my income was £25k.

@MrsSkylerWhite how did I answer incorrectly? The free hours don't start until age 3, they aren't for the whole year and they aren't universal depending on what you earn?

How is that universal free childcare?

Who has argued that pensioners get childcare paid?!

Hear, hear. There’s division in the UK more than enough already.

Incorrectly, I think? Goggle is telling me 30 free hours up to £100,000 household income. As far as I’m aware, pensioners do not receive free, across the board, equivalent care?

Apart from the ageism, I would agree with you and I am a pensioner. I think NI is a terrible tax anyway. However, it would definitely complicate things if you started charging people over pension age NI. This is because, while you are paying NI, you are building up pension contributions. If you carry on paying them while you are a pensioner, does your pension increase after a while? This is assuming that you didn’t qualify for a full pension in the first place.
I think the idea being floated at the moment, of reducing NI and increasing tax is a good one.

What you mean young people will have to get used to life without endless tech, fast food, clothes and beauty, holidays etc? They’ll have to scrimp and save and get used to a life that doesn’t represent an Instagram feed? How is that change? That’s a reality that generations before them have had to navigate.

As do I. Pensioner benefits do need to be looked at, but demonising pensioners is neither mature, sensible nor pleasant.

I absolutely agree with your triple lock point.

I’m not arguing it isn’t a thing at all!

I’m arguing that blaming today’s pensioners is just wrong. We all live life according to what it deals us.

@MrsSkylerWhite you asked

"Doesn’t everyone get free hours now, regardless of finances?"

I answered your question.

Many working people will pay NI for more years than they need to “get their stamp”, but they still need to keep paying as long as they are working.

it should be scrapped and replaced within the general taxation.

dividends should also be taxed at the same rate as income

What’s your solution, a cull?

Yes, that's the intelligent answer 🙄

To start with I would roll NI into income tax as I already said, pause the triple lock as I already said. Relook at care costs for those still in their homes.

What's your suggestion @MrsSkylerWhite carry on arguing it isn't a thing?

Exactly this!

Between them, ie, each so 32 hours total. Put that badly.

Interesting. I think our grandson received 30 hours free. Just looked it up and says to qualify for this the parents need to work the equivalent of 16 hours pw between them and household income should not exceed £100,000 per annum. Seems like a reasonable deal to me. I don’t suppose many pensioners receive 30 hours of free care up to an household income of £100,000.

Not that I think they should: if we can pay, we should, at whatever age we are.

Amol Rajan podcast Radical had a good guest Dr Eliza Filby on the Generational Divide; Living with(out) the Bank of Mum and Dad episode speaking on this recently.
IIRC pensioners of today weren’t squeezed like the gen X and Z of today with paying for childcare , paying for up to 40 years of elder care , cost of living crisis , rent/mortage relatively much more expensive , triple lock pensions, winter fuel allowance, generous inheritance tax allowances. She noted as well that the cost of training and education fell from paid apprenticeships of old to the worker themselves so effectively another tax.
In summary work
no longer makes one wealthy or even self sufficient - the bank of granny and grandad is the quickest way to get wealthy or marry into inherited wealth. Depressing ! But she suggested some radical suggestions. Taxing inherited wealth amongst them.

Moan, moan, whinge about how hard is is for them at the moment - as it has always been for young families. Why do you think you are unique?

I'm not young but young people are in a unique position now. The country has not had these demographic changes ever before, things will have to change because of it.

t is a complete mystery to me why young families seem to expect to have similar financial circumstances to those who bought their houses years ago, have maybe had a couple of inheritances along the way and a couple of lump sum pensions, all of which may well happen to 30 somethings when THEY reach retirement age.

It's a complete mystery to me why so many posters ignore the facts & data. Young families are not expecting to have similar circumstances to pensioners now & the average 30 something will be a lot poorer than current pensioners when they get to that age. That's the point!

I don't think NI should be charged on pension income but I do think it should be charged on employment income after state pension age.

But really it shouldn't be a competition over who had it harder, the real question is what can be done about it?

You need to acknowledge something before you can address it surely?