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AIBU?

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AIBU to envy friends with wealthier husbands and easier retirements?

541 replies

TheAngryPuxie · 11/04/2026 21:30

Just had coffee out with a friend and then went back to her house. She is similar in age to me (I am 57) and recently retired. I know she didn't earn much as she told me that she earnt sround £32,000 a year. My husband, like me, is a teacher and IS close to retiring. He's on about £44,000. I know that sounds a lot but after mortgage, bills, etc thers's not much left. I try to economise with the food shop, buying supermarket own brands,etc, I buy almost everything in charity shops, discount stores, etc. We rarely eat out or have takaways. My friend's husband runs his own business and, I don't know what he makes, but when I saw their house I was stunned. It is absolutely beautiful with 5 double bedrooms, 3 of them with en-suites, massive kitchen, dining, living room area,, downstairs bathroom and a large utilty room, large garden with another little 'bungalow' at the bottom, plus double garages, etc.

I have worked hard my whole life in a really stressful and demanding job and all of my female friends and colleagues seem to have one thing in commmon: their husbands earn a lot of money meaning they can afford to stay at home or earn a rubbish salary like teaching (which they are doing more as a hobby or for a bit of 'pocket money'). They have long holidays abroad and a lot of other luxuries I just can't afford.

AIBU to envy these women and think that life isn't fair? I love my husband, but sometimes wish he was more ambitious and that I could have a gorgeous house and didn't have to work.

OP posts:
ModestlyPrudent · 11/04/2026 23:42

WearyAuldWumman · 11/04/2026 23:10

It depends on how many years you have (as is the case with all pensions, of course).

I lost out to an extent because of family health problems. I dropped to a 4 day week for one year and then retired at 58, so that put a dent in my pension. I never had maternity leave. I started teaching when I was 24.

However, I was in a promoted post. (I was a PTC/Faculty Head) My take home teaching pension after tax is currently a little under 2k a calendar month. I can't complain - many are much worse off. If I'd been in an unpromoted post, it wouldn't have been as much.

Edited

Do you get this on top of the state pension?

TheAngryPuxie · 11/04/2026 23:41

WearyAuldWumman · 11/04/2026 23:10

It depends on how many years you have (as is the case with all pensions, of course).

I lost out to an extent because of family health problems. I dropped to a 4 day week for one year and then retired at 58, so that put a dent in my pension. I never had maternity leave. I started teaching when I was 24.

However, I was in a promoted post. (I was a PTC/Faculty Head) My take home teaching pension after tax is currently a little under 2k a calendar month. I can't complain - many are much worse off. If I'd been in an unpromoted post, it wouldn't have been as much.

Edited

Me too. His pension will be about £20,000. Mine is about half that because I went part time when I had chidren (God forgive ne for actually wanting to spend some time with mumy own children!) and in my subject the workload is ridiculous and you can't work full time, deal with a family and manage a home too.

OP posts:
DugnuttEyeBoogies · 11/04/2026 23:41

Insulting to say that £32 K isn’t “much” and is a “pocket money” job when the average salary in the UK is around £35 K.
Lost all sympathy for you there.

Gostraight2hellnowtrump · 11/04/2026 23:39

Life is not fair & we do not live in a meritocracy, I hate it too. Envy & jealousy are normal human emotions that we all have to wrestle with. I guess all we can do is try not to dwell on the vicissitudes of life🤷‍♀️

CalmPlumDog · 11/04/2026 23:39

Treadcarefully11 · 11/04/2026 23:37

That’s simply not true. There are loads of private sector jobs paying way more than that and don’t require you to sell your soul.

I’m not one to argue and can see your viewpoint. But statistically it’s simply just rare to have a job in corporate that will pay 80k+ and be a job where you’re not expected to be available at least most of the time. This salary is high in London outside of major corps let alone the rest of the country….

RainbowHiii · 11/04/2026 23:39

You can swap with me my husband works in retail and earns next to nothing 😅😭 luckily I love him a lot ( I would love a nice big kitchen as well though but this remains a dream 😅)

truffleruffle · 11/04/2026 23:38

I was a full time nurse manager. My husband got made redundant so we invested his package in property and bought a flat with the income we bought another and then another. So three flats no mortgages. I retired that 61 as husband had health issues.
im told by friends im lucky. Do they forget i worked 7 days a week to get here. 💁‍♀️

McSpoot · 11/04/2026 23:37

TheAngryPuxie · 11/04/2026 23:35

That's not a lot in today's climate unfortinately. I am grateful for what I have and though thst I'm much better off yhan a lot of people. It judt seemd that everyond I know has a much better house, etc than me.

Why is it your husband’s fault and not yours?

CalmPlumDog · 11/04/2026 23:37

TheAngryPuxie · 11/04/2026 23:35

That's not a lot in today's climate unfortinately. I am grateful for what I have and though thst I'm much better off yhan a lot of people. It judt seemd that everyond I know has a much better house, etc than me.

They realistically could not have been earning much less than this 20 years ago unless they’ve always been part time. And in most areas of the country this could have bought them a good standard of living + housing then, which would now be mortgage free

Treadcarefully11 · 11/04/2026 23:37

CalmPlumDog · 11/04/2026 23:29

Totally understand this! However, outside of highly stressful jobs in sectors such as Banking or Law the reality is you often won’t be paid that much more for the difference to pay off. Teachers who have the drive for promotions frequently earn 50-70k by 40 years old. It’s rare for an average corporate job even at relatively good places to pay more than this, unless you’re willing to dedicate your life to work.

That’s simply not true. There are loads of private sector jobs paying way more than that and don’t require you to sell your soul.

Teacakesfortwo · 11/04/2026 23:36

Allrightonthenight1 · 11/04/2026 23:17

This isn't quite true.

You accrue 1.75% of your salary for each full year worked, index linked, for a combined contribution equal to 38% of your salary.

Assuming you earned £10k pa more in an equivalent level private sector role and both you and your employer invest 10% quite aggressively for 30 years, your pot will surely generate an income greater than TPS.

Unfortunately many private sector employers pay 3-5% so private sector pensions are tiny in comparison.

TheAngryPuxie · 11/04/2026 23:35

BringBackCatsEyes · 11/04/2026 23:06

You are both teachers and are struggling? In your 50s and 60s with a combined income of maybe 70K?
What's going on?

That's not a lot in today's climate unfortinately. I am grateful for what I have and though thst I'm much better off yhan a lot of people. It judt seemd that everyond I know has a much better house, etc than me.

OP posts:
EmeraldShamrock000 · 11/04/2026 23:35

You have a household income close to 90,000 a year.
You could have bought a large house, what did you do with your earnings over the years, if you’re eating supermarket brand foods?
At 57, you wouldn’t be paying for childcare.

Anonanonay · 11/04/2026 23:34

Grow up, OP. Life isn't fair, and why ruin your own happiness with resentment. Some people are rich, some people are beautiful, some people are geniuses, some people have insane good luck - there's always going to be people to envy, so why waste your time with it?

TheAngryPuxie · 11/04/2026 23:32

ThatWaryLimePeer · 11/04/2026 23:05

Full time or part time?

Full time.

OP posts:
CalmPlumDog · 11/04/2026 23:29

Allrightonthenight1 · 11/04/2026 23:17

This isn't quite true.

You accrue 1.75% of your salary for each full year worked, index linked, for a combined contribution equal to 38% of your salary.

Assuming you earned £10k pa more in an equivalent level private sector role and both you and your employer invest 10% quite aggressively for 30 years, your pot will surely generate an income greater than TPS.

Totally understand this! However, outside of highly stressful jobs in sectors such as Banking or Law the reality is you often won’t be paid that much more for the difference to pay off. Teachers who have the drive for promotions frequently earn 50-70k by 40 years old. It’s rare for an average corporate job even at relatively good places to pay more than this, unless you’re willing to dedicate your life to work.

EmeraldShamrock000 · 11/04/2026 23:27

Yes, Yabu. There is more to life than money, you have had an excellent career as has your husband.
Money isn’t everything.
I am sure you’ll have a pension too. Don’t waste your time stressing.
Get some lower earning friends, it’ll balance things out.,

Helpboat · 11/04/2026 23:23

Op you’re exactly the reason why I’m careful about who I let into my home and share details regarding personal wealth with.

Morepositivemum · 11/04/2026 23:22

In my opinion you’re being unreasonable, outside of most people being right on you could have earned differently too, you shouldn’t feel jealous of someone else’s marriage, dh was at a meeting recently with a successful company and it came up how people neglected their marriages to get to where they were, with some even joking that divorces were almost a given. Give me a funny, lovely husband over a financially successful one any day!

Minjou · 11/04/2026 23:20

TheAngryPuxie · 11/04/2026 23:05

I'm not retiring yet. Still working. Can't sfford to.

You chose this. You chose to train, you chose your job, you chose to stay. You choose every day to keep doing it.
So quit whining and own it

Allrightonthenight1 · 11/04/2026 23:17

CalmPlumDog · 11/04/2026 22:12

The pension received is many multiples of any private sector job. So not sure how their retirement is quite so “poor”

This isn't quite true.

You accrue 1.75% of your salary for each full year worked, index linked, for a combined contribution equal to 38% of your salary.

Assuming you earned £10k pa more in an equivalent level private sector role and both you and your employer invest 10% quite aggressively for 30 years, your pot will surely generate an income greater than TPS.

Wordsmithery · 11/04/2026 23:15

I find the whole tone of your post a bit insulting. Rude about your husband, for a start. Why couldn't you have had some ambition and earned more? And I can't imagine anyone doing teaching as a hobby. You say yourself how stressful it is.
Real wealth is having a loving marriage, healthy children, good friends. Not comparing and being self-,pitying.

Reallywhatsthat · 11/04/2026 23:12

Still on MPS not UPs

Pyjamatimenow · 11/04/2026 23:11

WearyAuldWumman · 11/04/2026 22:59

When I was teaching, I did see some part-timers in particular secondary departments who had better off husbands and who did the job for 'pin money'. They often managed to avoid classes being presented for exams - you'd find that the timetabler would give them junior classes.

I saw a couple of those twenty years ago when I first started teaching. They were on the verge of retirement and definitely had less responsibility. I don’t think you’ll find many people like that anymore. The job is too difficult and anyone not willing to give the skin off their back would be given a hard time indeed.

Franjipanl8r · 11/04/2026 23:11

You need poorer friends!