45% of working age people not saving toward a pension at all

You are right; besides people in "ordinary" jobs still pay NI and tax. A proportion of NI should be ring fenced for pensions . Think how many billions HS2 is costing and that came from taxpayers ! A hundred billion pounds would pay a lot of state pensions for a long time.

The reality is that these days you have to think long and hard about the future, people that choose a life on benefits (and many do when they could work) need to understand they won't have a great deal of money when they retire, people choosing to be stay at home mothers won't have much pension. People who have more kids than they can afford and scrimp on pension payments will have less money to live on in later life. People who don't bother building a career and earning potential will not have as much money to live on when they are older. You have to think and plan.

Pension credit is a transfer from UC and it is true that you could theoretically be on UC your whole life and it's transferred to pension credit.

Of course many who work get UC but the view some work a certain amount of hours to meet the pay requirement to be able to get UC on top is seen as calculated.

That's why workplace pensions need to be compulsory with no opting out.

You are warped if you think people love working until they die! You seem to forget that workplace pensions are on top of state pensions. Like you said if you make the right decisions you don't have to be miserable! My partner and I work and have workplace pensions, our mortgage will soon be paid off and when we are ready,. we'll likely sell up and move overseas where most places are a hell of a lot cheaper to live.

Don't give me the rubbish about people's kids paying, i paid into my pensions not your kids. Many of us are choosing not to even have kids these days so you can't use the kid excuse.

People always worked until they died. It gave them some sort of purpose and enjoyment and company. Too many people are sat rotting in their houses. The money doesn’t really come into it. They are just existing.
Nobody can have a happy life on a state pension.
We aren’t talking about people who’s been on the dole their whole lives. The people that will pay the price are the ones that had every opportunity to save and decided not to and they should suffer. Why should our children pay for them to have a better lives than the kids are going to be able to build for themselves?

People always worked until they died. It gave them some sort of purpose and enjoyment and company. Too many people are sat rotting in their houses. The money doesn’t really come into it. They are just existing.
Nobody can have a happy life on a state pension.
We aren’t talking about people who’s been on the dole their whole lives. The people that will pay the price are the ones that had every opportunity to save and decided not to and they should suffer. Why should our children pay for them to have a better lives than the kids are going to be able to build for themselves?

I don't know where to start with this or even how to react properly to it. I'm just speechless. It's as if people are just biological tools and machinery to you.

People always worked until they died. It gave them some sort of purpose and enjoyment and company. Too many people are sat rotting in their houses. The money doesn’t really come into it. They are just existing.
Nobody can have a happy life on a state pension.
We aren’t talking about people who’s been on the dole their whole lives. The people that will pay the price are the ones that had every opportunity to save and decided not to and they should suffer. Why should our children pay for them to have a better lives than the kids are going to be able to build for themselves?

The reality is that these days you have to think long and hard about the future, people that choose a life on benefits (and many do when they could work) need to understand they won't have a great deal of money when they retire, people choosing to be stay at home mothers won't have much pension. People who have more kids than they can afford and scrimp on pension payments will have less money to live on in later life. People who don't bother building a career and earning potential will not have as much money to live on when they are older. You have to think and plan.

What the hell are you talking about? You think everybody should work until they fall down dead? Jesus that's hateful! Some people will not be able to keep doing the jobs that they do! They might not be able to drive to a job after a certain age! We should get rid of stay at home mothers because they won't have much of a pension and according to you they should be forced to carry out low or unskilled work until they drop dead to make up for it.
It's messed in the head that you want people to be banned from retiring no matter how much they would suffer unless they can meet financial requirements?

Why do they get to retire? They have to keep working. It’s that simple.
In whatever capacity they can manage, topped up by universal credits if necessary but they need to be subjected to the same conditions as single mums are back to work after 12 months of giving birth

I don't understand why the Government keep stock of what NI you've paid (to decide whether you have contributed enough to get the State Pension), when if you haven't, you get the same amount in Pension Credit anyway.

Why spend ££££ on whatever computer system is keeping the tally? Why bother? Someone who has paid all their stamps - a full 35 years - gets a meagre £3 a week more than someone who has never worked a day in their lives.

I think that possibly people have seen that pension credit (which tops up someone with lower than full state pension) takes you to £3 less than full state pension.
This then brings in a raft of other entitlements - council tax discount being one. I dare say you would indeed be better off without full state pension. So, unless you are able to do a decent private pension also, it seems almost better to not even have full qualifying years for SP?

I don't understand why the Government keep stock of what NI you've paid (to decide whether you have contributed enough to get the State Pension), when if you haven't, you get the same amount in Pension Credit anyway.

Why spend ££££ on whatever computer system is keeping the tally? Why bother? Someone who has paid all their stamps - a full 35 years - gets a meagre £3 a week more than someone who has never worked a day in their lives.

I think that possibly people have seen that pension credit (which tops up someone with lower than full state pension) takes you to £3 less than full state pension.
This then brings in a raft of other entitlements - council tax discount being one. I dare say you would indeed be better off without full state pension. So, unless you are able to do a decent private pension also, it seems almost better to not even have full qualifying years for SP?

Unfortunately for the Exchequer, the maths geniuses on benefits are making exactly this calculation, and reaching the same conclusion.