Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think we shouldn’t have to contribute to soch if we don’t intend to use it?

737 replies

slozenger · 27/01/2026 22:03

For example, I don’t want a state pension - so I should surely be able to opt out of soch based contributions percentage. And just pay a lesser amount to cover anything I do take advantage of.

OP posts:
rainonfriday · 28/01/2026 05:18

slozenger · 27/01/2026 22:33

Ok the discussion is now finished! Stop

👶👐🧸🪆🪇🍼
🤣💀
(Where's a baby in a pram emoji when you need one?)

TimeForATerf · 28/01/2026 05:13

I’m sure people start these ridiculous threads as a way of other people giving them ideas for a school or uni essay, instead of researching it properly for themselves.

DotAndCarryOne2 · 28/01/2026 05:11

slozenger · 27/01/2026 22:13

No I said that child based stuff should be something we all contribute to already.

So you don’t want to contribute to the things you don’t personally intend to use, but you want the rest of us to contribute to the things you do ?

Kimura · 28/01/2026 05:08

slozenger · 27/01/2026 22:14

I’m still happy to pay a percentage. Just with a slight discount as I won’t be using the state pension?

Where does it end? If I don't drive do I get my contribution toward tarmacing the roads back? I don't have children, how is it fair that I pay for child stuff? None of my nieces and nephews use the NHS or state schools, how is it fair that their parents have to pay towards things they don't use? Much to my dismay I've never been rescued from a burning building by a truck full of extremely handsome firemen... where's my discount?

The answer is that you're misunderstanding how these things work. We're not paying for our own share of everything individually, we're paying into a pot in accordance with our means, which is then used to keep our society running.

rainonfriday · 28/01/2026 04:48

ByQuaintAzureWasp · 27/01/2026 22:21

Why have I just paid three grand to uplift my state pension?

Edited

You didn't pay into your own personal pension pot because it doesn't exist. You paid to have some more ticks put against your name for the "has paid NI contributions" form that someone in officialdom holds on you. Get enough ticks and you get a full state pension when you retire, not means tested, no questions asked and all you have to do is 1) be the right age and 2) claim it.

Without paying for those extra ticks you'd have presumably not got enough for a full state pension. So would only have had partial state pension, plus any means tested benefits you were entitled to. For which you'd have to jump through a pile of hoops proving you don't have a pot to piss in, which is undignified, stressful and about as much fun as walking through fire whilst naked.

TheMorgenmuffel · 28/01/2026 04:47

FrodoBiggins · 27/01/2026 22:12

Wtf is soch

Society?
Like op writing pench for pension.
I assume

CanSeeClearlyNowTheRainHasGone · 28/01/2026 04:20

slozenger · 27/01/2026 23:00

Well I am already earning more than that. So I am a net contributor. TOUcHE

Every year of your working life?
Without taking advantage of tax rebates for pension contributions?
I doubt it.

So, since you can't have contributed to a personal pension, and are not going to be using the state pension, or the NHS, and are 4 years off SP age...

...how are you planning on exiting society?

Are you opting for the Dignitas route (we call it oof around here), Or just your bog standard suish/jump off a bridge style.

Personally, I think people here are giving you a hard time. Not at all unreasonable to ask for a refund when you get that terminal diagnosis.

PuzzledObserver · 28/01/2026 03:47

Sorry, meant to say: jolly glad it’s there, hope they don’t get rid of it - and twenty-something me who thought it was basically irrelevant to her was dead wrong. As is OP.

PuzzledObserver · 28/01/2026 03:36

When I started in the workforce as a graduate (nearly 40 years ago, God help me), it was in an old-fashioned company with a final salary pension scheme which accrued 60ths for each year of contribution, meaning that the maximum 40 years would give you 2/3 final salary.

I remember looking at the state pension and thinking that, compared to my occupational pension, it would be be a bit of pocket change.

But life didn’t go as I thought it would. I changed career, to something more vocational but less well paid, and then needed to finish early because of the pressure it placed on my mental health. I now find that the state pension, once I get it, will make up about 40% of my income.

andthat · 28/01/2026 03:06

Curious OP…are you aware that you come across as spiky and rude? If that’s your intention, crack on. If it’s not, you might want to consider how you make your points…if you are in real life as you are on here I’d imagine that you struggle with social interaction.

Pr1mr0se · 28/01/2026 02:50

slozenger · 27/01/2026 22:14

I’m still happy to pay a percentage. Just with a slight discount as I won’t be using the state pension?

Good luck explaining that to the government.

IfIHadAHeart · 28/01/2026 02:46

Well I’ve had a really shit day and can’t sleep. This thread was exactly what I needed and gave me a right giggle. Thanks everyone, even the OP for the pure batshit unreasonableness

PyongyangKipperbang · 28/01/2026 02:18

slozenger · 27/01/2026 23:19

Why would I get hit by a car? Realistically that would not happen .

Depends. Where do you work? 🤔

Fedupmumofadultsons · 28/01/2026 02:08

slozenger · 27/01/2026 22:30

Well I think you’ll find I know how to spell it the MOST as I’m the one who used the word first. I’ve spelt it both ways for those who struggle with comprehension.

It was never sosh /soch..it was ssc exactly what is said social security contributions. Where you got the sosh is a lot of old tosh I am being polite

askmenow · 28/01/2026 01:58

And I believe we should all invest in other peoples children residing in our country.
They are the future!

askmenow · 28/01/2026 01:56

slozenger · 27/01/2026 22:15

No but it would be a good idea to keep something like that on my ID

Are you mad? If you were in an accident who do you think would come to your aid. An ambulance paid for by all of us ! An emergency operation to save your life or repair your body and an intensive care bed to restore you to health hopefully! Nutcase!

Duckishness · 28/01/2026 01:49

slozenger · 27/01/2026 22:33

Ok the discussion is now finished! Stop

I think you’ve misunderstood how the internet and MN works, as well as some of the basics of economics, taxation and social policy.

As you were.

GaIadriel · 28/01/2026 01:36

slozenger · 27/01/2026 22:13

No I said that child based stuff should be something we all contribute to already.

I don't really want to pay for people's kids though. There's already far too many humans on this planet, most of which live in poverty.

GaIadriel · 28/01/2026 01:33

What about people that earn too much to qualify for childcare etc? Should they be exempt?

Lambington · 28/01/2026 01:24

Who / what is Soch? Is this typo?

Oftenaddled · 28/01/2026 01:11

ruethewhirl · 28/01/2026 01:07

OP, you might want to locate your nearest dictionary and familiarise yourself with the meaning of the term 'society'.

Soshchiety

IsItTheBlackOneOrTheRedOne · 28/01/2026 01:09

slozenger · 27/01/2026 22:07

I think child based stuff should remain something we all provide for, to ensure low income families are not affected.

But for example a non NHS user who does not want a state pension should be able to opt out of soch payments imo.

Oh sure, sure, I will pay for your life choices my entire child-free life but you don’t need to worry about people like me at all? What?

Longtimelurkerfinallyposts · 28/01/2026 01:08

slozenger · 28/01/2026 00:50

errrr. quote a part where I did not explain basic math?

TBH, there is NO part of this entire thread where you do explain basic math.

Just lots and lots of places where you astound us all with an amazing lack of knowledge/ awareness, and leave us incredulous at the notion that you are currently being paid over £75k/year by somebody, for doing something...

emilysquest · 28/01/2026 01:07

I dont even live in the UK any more but because my business is there I still pay taxes there. As I should.

ruethewhirl · 28/01/2026 01:07

OP, you might want to locate your nearest dictionary and familiarise yourself with the meaning of the term 'society'.