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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:
Teainapinkcup · 12/04/2026 13:41

spicysalad · 11/04/2026 21:43

You made your choices. You could have chosen a high earning career, why is it the man who has to be ambitious?

men do not give birth lol, stay at home mum thing affects careers a lot of the time.

bafta16 · 12/04/2026 13:37

You and your husband chose a typical working class career

You seem nice.

bafta16 · 12/04/2026 13:33

Dexternight · 11/04/2026 21:55

Envy is a horrible trait.

But we all experience is? I think.

If it makes you feel better OP I was massively shafted by my family of origin.

My partner and myself are working again in our late 60's to keep afloat. That's it,

BootMaker · 12/04/2026 13:19

BadSkiingMum · 12/04/2026 09:54

I think there are a few things going on here. Initial decisions versus ongoing choices.

If the OP is 57 she would have graduated in 1991 or thereabouts, well before information was freely available on the internet. Salaries were a lot flatter and more similar across different sectors back then. Yes trainee solicitors were always paid more than trainee teachers, but it was more like a difference of £5-10k than the multiples that you get today. Around that time a decision to go into teaching wasn’t seen as a decision in favour of lower wages or a struggle to afford a family home. It was seen as a solid choice. You knew that you would be earning less as a teacher than as a solicitor, but not that you would be worlds apart.

People do forget that there was a big jump in private sector professional salaries in the late nineties and early noughties, with a corresponding escalation in house prices. All this was fed by the IT boom and the bonus culture cascading out of the City. So that left behind those who were on fixed salary scales like teaching or civil service.

But:

Many years have passed since the OP’s original decision and there were multiple points where she could have made different choices.

In the late nineties you could easily buy a decent one bed flat in Zone 3 London for around £150k.

Banks offered 95% or even 100% mortgages.

The OP and her husband were adults during some periods of huge economic growth, including exponential growth in the property market.

Huge amounts of money poured into schools and the wider education sector in the late nineties and the noughties. Thousands of new jobs and leadership positions were created. There were all sorts of courses, schemes and training opportunities for teachers. NCSL courses etc. You had to be prepared to put yourself forward and commit extra time, but the opportunities were there. If you wanted a school leadership role, had some determination and were prepared to move schools you could probably get to an Assistant Head or Deputy Head role. I know because I did it at the time!

Education-adjacent businesses were growing. Fortunes were made by running supply teaching agencies, training companies or by providing IT equipment to schools.

There were also opportunities for saving and investing, including in private pensions, during some huge boom years. Information about this could be found by buying a weekend newspaper (£1) and actually looking at the personal finance section! This is why I have limited sympathy with the WASPI cause, because I remember the information being widely available in the financial pages as well as on the radio at the time (Moneybox on R4 etc).

Taking advantage of some of the above opportunities were all open to the OP. But it would have required raising her head from the normal routine of life and being prepared to go in a different direction and have different priorities to colleagues and friends.

Finally, the big one, choices around how many children to have make a huge difference to family financial resilience, because other implications (maternity leave, work, housing and ongoing expenses) then flow from that decision.

So I would advise young women now to raise their heads and look around them to see what is happening in the world and make decisions accordingly.

I disagree with that, I'm a little bit younger than OP, but solidly in my 50s, even back then teaching seemed a really poor choice. It always felt vocational rather than anything else.

No-one goes into teaching for the money.

And I'm very glad my children are young adults now, because teaching is so horrible in terms of environment and remuneration that unless one is incredibly motivated by pedagogy I'm not sure why anyone with the slightest spark would choose it as a career.

Which is concerning.

BewareoftheLambs · 12/04/2026 13:09

GreekIslands · 12/04/2026 13:01

Thank you for the advice, but no thanks.

Given one of my close family is a retired Head and many family are also teachers, I'm okay.

Teaching is a low-ish paid profession with generous holidays but there is nowhere the salary is advertised as being for term-time work only.

If you are 'in the sector' maybe you can cut and paste a teacher's contract?

I don't need to because that's not what I've said, I've said if the holidays were fully paid for (rather than it being a division across 12 momths) the salaries would be higher, which is true. Perhaps your close family member will explain it to you if you aren't willing to read pp's post.

GreekIslands · 12/04/2026 13:01

BewareoftheLambs · 12/04/2026 12:54

I work in the sector and also know many and have some who are relatives etc. I suggest you find and read the pp's post that explains it properly so that you fully understand as this will help make it clear.

Thank you for the advice, but no thanks.

Given one of my close family is a retired Head and many family are also teachers, I'm okay.

Teaching is a low-ish paid profession with generous holidays but there is nowhere the salary is advertised as being for term-time work only.

If you are 'in the sector' maybe you can cut and paste a teacher's contract?

PlacidPenelope · 12/04/2026 12:55

If you have the creativity and cojones to start your own business, there are years of no money and paying yourself no/little salary while the business takes hold. There is terrifying unpredicitability about whether you can afford to buy a house and then keep it. Any variable percentage of what you make will be taken from you every year, depending on what the government decides will win voters. You cannot decide what to pay your staff, who can go off sick any time and still get paid by you, who can be incompetent and still get paid by you. If you try to stop paying people who are not even providing you a service, you will end up in an employment tribunal. When the latest US oil acquisition campaign occurs, you worry about your overheads and whether you will even have a business next year. You work longer hours and get more stressed, while your partner supports you and your family. You pray that we don't get another pandemic: People making banana bread don't buy your product and you will lose everything.

Well said, CinnamonJellyBeans. How about all of that @TheAngryPuxie and you can add in that when you start your own business you can never afford to turn any work away until you are established as you don't know where the next job will come from. Then there is the stress of getting paid, chasing invoices, late payers, non payers and if you employ people once the business is established ensuring you have enough cash flow or a supportive Bank so that you can pay your employees. Fancy that level of stress OP? Or would you rather be in a career whereby you never have to worry that you won't be paid at the end of the month, one where your pension is guaranteed and not subject to the ravages of the stock market, one where the Government pays a far higher whack into your pension than any privatey owned business does?

Yes, the rewards of owning and running a successful business are high but so are the risks it is not for the faint hearted.

BewareoftheLambs · 12/04/2026 12:54

GreekIslands · 12/04/2026 12:52

Your posts are laughable. I have retired senior teachers/ Heads, in my family, among my best friends, and so on.

You're telling me I don't know how salaries work?

I work in the sector and also know many and have some who are relatives etc. I suggest you find and read the pp's post that explains it properly so that you fully understand as this will help make it clear.

SixtySomething · 12/04/2026 12:53

Jhhgrtf · 12/04/2026 09:33

Be happy for what you have and aspire to work towards having more (if you want).

We earn £200k plus as a family. We don't see those on more and are jealous. We have relatives who earn more and have big businesses, it's fine. They built their success, we have ours as well.

@Jhhgrtf, that’s good to know. I’m sure we all feel better knowing that.

Dragonscaledaisy · 12/04/2026 12:53

crossedlines · 12/04/2026 11:56

@TheAngryPuxiethe teaching pension is one of the best out there - it’s not vulnerable to the fluctuations of the stock market, its index linked so will rise with inflation every year and you get a handsome lump sum as well as your monthly payment.

in theory you and your dh could be quids in come retirement. If one or both of you chose to remain at a lower grade rather than go for promotions, or you stopped work/ only worked part time then obviously your pension is reduced. But those are choices.

Your friend may seem very well off at the moment but what if her husband gets ill/ dies/business goes down the shitter…? She could actually be in real trouble. A huge house must cost quite a lot in upkeep. Does she even have her own pension provision?

honestly, being envious gets you nowhere. It’s also quite sad that in this day and age you aspire to a well- off husband rather than taking your own abilities and earning capacity seriously.

It they've had a very high household income for many years, it's very likely they will have a sizeable savings and investment portfolio and are looking forward to a very comfortable retirement.

GreekIslands · 12/04/2026 12:52

BewareoftheLambs · 12/04/2026 12:50

If the holidays were all paid for the salaries of teachers would be far higher. A pp explained it far better than I did, but you are still wrong I'm afraid.

Your posts are laughable. I have retired senior teachers/ Heads, in my family, among my best friends, and so on.

You're telling me I don't know how salaries work?

BewareoftheLambs · 12/04/2026 12:50

GreekIslands · 12/04/2026 12:48

@BewareoftheLambs

Your post on the salary and no holiday pay is wrong. Show me a contract where it says that.

It is I'm afraid something your imagination has invented.

Many, many friends who are teachers or retired teachers and none would agree with you.

There is none who would say 'I don't get paid for holidays'.

Many teachers do cpd in their holidays - courses, prep, even being in school prior to the start ot term.

Edited

If the holidays were all paid for the salaries of teachers would be far higher. A pp explained it far better than I did, but you are still wrong I'm afraid.

GreekIslands · 12/04/2026 12:48

@BewareoftheLambs

Your post on the salary and no holiday pay is wrong. Show me a contract where it says that.

It is I'm afraid something your imagination has invented.

Many, many friends who are teachers or retired teachers and none would agree with you.

There is none who would say 'I don't get paid for holidays'.

Many teachers do cpd in their holidays - courses, prep, even being in school prior to the start ot term.

Puffalicious · 12/04/2026 12:45

You are getting battered on here OP, but I get it. Teacher here too - part-time due to a DC with significant ASN- and I look at other friends with stunning houses & inheritance also coming, & it sometimes upsets me.

I bought my exH out of the house, so mortgage longer than planned. I do have an absolutely wonderful partner, who is in a trade & works really hard, but earns modestly compared to friends' spouses/ partners who have businesses/ work in IT. Colleagues also seem to have partners who are doctors/ high up in Business etc.

I like my house & love my partner so much, but sometimes grapple with the fact we can't just click our fingers & do the extension/ fly off on holidays constantly. Only on the down days, though.

It's hard. I get it.

GreekIslands · 12/04/2026 12:44

BewareoftheLambs · 12/04/2026 09:41

It is, otherwise their salaries would be higher. 5.6 weeks are paid holidays. I'm afraid you are wrong.

This is not in a teacher's contract.

Jamba0 · 12/04/2026 12:41

Why not ask them instead if they could teach you any business strategies that could help you earn extra, than to be envious of others who work hard for their success, and manage to figure it out?

CautiousLurker2 · 12/04/2026 12:37

I am just wondering @TheAngryPuxie whether you are only envious of the houses?

Are you also envious of the long hours these men work and the women are alone with their kids and unsupported? Are you envious of the days, weeks of absences/travel when the wives have had to juggle jobs you perceived to be hobbies with sick children/hospital appointments/etc with no ability to reply on their DHs for a hand here and there? Are you envious of the many hours and weeks these women spend alone whilst their husbands leave the house at 6am and don’t return until 7-8pm? Are you envious of all the parents evenings and social events, the prom dress purchasing that they have to do alone? Are you envious of the fact that when they are sick with flu etc, they have no choice but to carry on and get their kids to school because DH has meetings/travel/has already left for the office or airport by 6am? Are you envious of the strain this probably places on their marriages, the possible impact on the bonds these dads have with their children given they leave before the children wake and return after they are in bed - until they are older at least?

Are you envious of the fact that for many of them they could be made redundant tomorrow or become bankrupt in the current market, possibly putting those lovely homes at risk, whilst your DH can be home most evenings by 4, share bed time routines, holiday care, and whilst your DH is on lower pay than these other husbands, he can rely on a job for life and a fairly decent pension?

Also, why is it down to the man to provide these things? With DH having the same teaching role as you, perhaps you could have shown some ambition, looked for a higher paying role, changed careers, started a business? Why wasn’t that something you considered while viewing the world through jade tinted lenses?

Just wondering…

converseandjeans · 12/04/2026 12:31

CinnamonJellyBeans · 12/04/2026 12:04

A bird in the hand is worth two in the bush.

You and your husband chose a typical working class career, that promises security and pension and of course, the ability to successfully strike for a decent payrise. You have never been refused a mortgage, or even had to worry whether you will be able to pay it: You have regular paycheck after regular paycheck and an annual raise. You have child-friendly hours and have never had to shell out for holiday care. When you retire, you will have enough money for saga holidays and the M&S foodhall.

If you have the creativity and cojones to start your own business, there are years of no money and paying yourself no/little salary while the business takes hold. There is terrifying unpredicitability about whether you can afford to buy a house and then keep it. Any variable percentage of what you make will be taken from you every year, depending on what the government decides will win voters. You cannot decide what to pay your staff, who can go off sick any time and still get paid by you, who can be incompetent and still get paid by you. If you try to stop paying people who are not even providing you a service, you will end up in an employment tribunal. When the latest US oil acquisition campaign occurs, you worry about your overheads and whether you will even have a business next year. You work longer hours and get more stressed, while your partner supports you and your family. You pray that we don't get another pandemic: People making banana bread don't buy your product and you will lose everything.

Take the bird in the hand and sleep well at night.

@CinnamonJellyBeans it’s not child friendly hours during term time though - we need to be in school by 8.15 latest & when mine were little their school had no breakfast club & limited after school club spaces. We don’t really finish early with CPD & parents evenings.

So yes the bonus is that no holiday clubs are needed but the other 39 weeks/year require lots of juggling.

We can’t ever take cheap holidays even when children are older.

Not complaining as I knew all of this when I went into the job, but it’s not as straightforward as people think!

TheMustardSeed · 12/04/2026 12:29

LittleBearPad · 12/04/2026 12:10

Yes, but that hasn’t happened here. OP’s husband has stuck at M6. Absent a restructuring you will acknowledge that’s odd for someone of his age.

I can't say what the reasons for the OP's pay stagnation are, but very little surprises me anymore. There is little congruence in how pay awards are arrived at: I had to pretty much double my workload and accountability to enter UPS, with each increment being a battle with SLT -yet I am a well-liked and valued member of our trust. This, while colleagues elsewhere are prompted to apply for UPS and smoothly ushered through the process with few requirements for evidencing whole school impact beyond the usual curriculum leadership roles.

WestwardHo1 · 12/04/2026 12:28

rainuntilseptember · 12/04/2026 12:23

Or world war three could happen and we'd all be dead.

Well yes. However the chances of that are (hopefully) smaller than the OP encountering people who have more money than her.

DuckyDolittle · 12/04/2026 12:27

LittleBearPad · 12/04/2026 12:22

Her pension would have a lot less outside the NHS. It’s entirely possible she might not have had one at all other than the state pension. Employers only had to set up pension schemes for employees in about 2018. The minimum contribution is tiny.

That's true, that's my pension situation too. Knowing I'll likely have to work til 70 I find it all a bit too bleak to think about but know I should knuckle down and think it all through soon.

converseandjeans · 12/04/2026 12:27

LittleBearPad · 12/04/2026 12:11

Ah yes, the kick in the teeth that is the TPS, pretty much the best pension it’s possible to have.

@LittleBearPad but if your salary is modest it’s never going to be a huge pension. It’s only people who go into management who will have a healthy pension. Mine will be modest due to going PT when children were little.

rainuntilseptember · 12/04/2026 12:23

WestwardHo1 · 12/04/2026 12:20

You're right, life isn't fair. Your husband could have died or left you for a younger woman for example, leaving you to run a house on half the money.

Or world war three could happen and we'd all be dead.

LittleBearPad · 12/04/2026 12:22

DuckyDolittle · 12/04/2026 12:17

I'm not a teacher so I'm not sure of the ins and outs. My mam was a nurse and got an NHS pension which was great, but I know she still has to be careful with money so it's a world away from someone living in a five bed house with land and taking long holidays.

Her pension would have a lot less outside the NHS. It’s entirely possible she might not have had one at all other than the state pension. Employers only had to set up pension schemes for employees in about 2018. The minimum contribution is tiny.

WestwardHo1 · 12/04/2026 12:20

You're right, life isn't fair. Your husband could have died or left you for a younger woman for example, leaving you to run a house on half the money.