And to be absolutely terrified?
I'm 56. Haven't worked since DS was born in 2000. Originally the plan was to go back part time when he went to school then more hours as he got older. Unfortunately I was diagnosed with rheumatoid arthritis 25 years ago which put the kybosh on that plan. DH has been the breadwinner and is on an okay wage (about £30k) but not enough to pay into a workplace pension or anything. We don't have any savings to speak of (about £2k for emergencies).
I have tried to find very flexible, part time work for years but it's absolutely impossible with no references etc and knowing I'll need time off sick several times a month when my symptoms are at their worst and/or the side effects from the drugs I take are particularly bad. I did have a job briefly (a few weeks) in a shop in 2011 but they let me go when I couldn't stand behind the counter and was off sick for a week, which I completely understand even though it was heartbreaking. I have applied for PIP but was turned down. I did not reapply because it was so dehumanising and stressful and we could manage on DH's salary just about.
What will happen when I/we reach pension age? DH is five years younger than me if that makes any difference. I'm so terrified of getting older that sometimes I think it would be better if I didn't. No money and health that is already declining makes for just such a bleak prospect. I think of the retirement my parents had - little UK breaks, days out, the occasional treat for DS, not well off by any means but comfortable and happy - and think what the future holds for me in comparison and it's so frightening. I've never been on holiday in my life and we have never been able to afford driving lessons let alone a car!
AIBU to be terrified of the future?