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To worry about how the heck my public sector pension is going to pay out when I'm old given that the UK almost certainly won't exist by then

141 replies

CurdinHenry · 18/09/2026 15:56

How are the different nations going to agree this I don't want to be a poor old lady damnit

Suppose I'd better start putting more into the private pension too

Also my bit of the UK had better bloody well join the EU early doors

OP posts:
JontyGentooey · 20/09/2026 07:21

Differentforgirls · 20/09/2026 05:01

We get less than we put in.

Hahahahahahaha can you kindly share a link to that please?

babyproblems · 20/09/2026 07:33

CurdinHenry · 18/09/2026 16:04

You cannot compel England to pay for pensions in Scotland (and vice versa) especially if it is literally unable to pay

Contracts aren't the word of God

I don't believe a Reform England would honour pension arrangements for those outside England, for example

i think you’re probably right on this…

I think some of the replies here are naive.
We are heading towards a pension crisis and whilst I think we don’t need to panic, I do think there will be people who don’t get what they feel they are ‘owed’. People aren’t saving anywhere near as much as they need to for pensions…

AspiringDreadfulMiddleAgedWoman · 20/09/2026 07:51

CurdinHenry · 19/09/2026 22:04

I know, probably more than 75% tbh

But the extremists have an inroad to control even so

Nobody with a job would admit to supporting them in Scotland

In the 2026 regional ballot, Reform came second to the SNP, replacing the Scottish Conservatives as the largest right-wing party:

Scottish National Party (SNP): 625,949 votes (27.2%)
Reform UK: 383,425 votes (16.6%)
Scottish Labour: 368,785 votes (16.0%)
Scottish Greens: ~322,000 votes (14.0%)

Winning over 383,000 votes doesn't sound like a hidden minority. The political divide between England and Scotland is less about starkly different social values and more about how the pro-independence dynamic restructures the vote.

SNP wins 58 seats as Labour and Reform tie for second with 17 each

The SNP won 58 seats in the Scottish Parliament, with Labour and Reform both securing 17 MSPs.

https://www.bbc.co.uk/news/live/c775r3nmp5gt

Ablushingcrow · 20/09/2026 07:54

PrettyLittleRose · 18/09/2026 15:59

I think the OP probably typed this while she was asleep (and dreaming!) 😆

Or very, very drunk. Hic.

Catza · 20/09/2026 08:18

babyproblems · 20/09/2026 07:33

i think you’re probably right on this…

I think some of the replies here are naive.
We are heading towards a pension crisis and whilst I think we don’t need to panic, I do think there will be people who don’t get what they feel they are ‘owed’. People aren’t saving anywhere near as much as they need to for pensions…

I would imagine, most people don't have very much to save. It's a gamble, isn't it? My choices are to live not being able to afford absolutely anything beyond food and shelter so that I can be comfortable in retirement or live a relatively comfortable life with some infrequent treats such as a theatre trip and a holiday and pay off my mortgage so that I can survive on just above minimum wage as a pensioner. I don't have enough income for the middle ground, unfortunately and I would hate to think that I led a miserable life just to die six months after retiring (happened to far too many people I know).
To increase my pension but 5k a month, I have to pay in extra £500 a month for 10 years and that's just about all the disposable income I have. And many people won't even have that. And yes, I have private pension.

PrettyLittleRose · 20/09/2026 09:06

Ablushingcrow · 20/09/2026 07:54

Or very, very drunk. Hic.

GrinGin

Ohhhj · 20/09/2026 09:07

Save for your own retirement. You're not entitled to anything

Differentforgirls · 20/09/2026 09:10

Ohhhj · 20/09/2026 09:07

Save for your own retirement. You're not entitled to anything

She’s been doing that in her LG Pension.

LateLifeReturnee · 20/09/2026 10:51

I don't think I'll hold my breath for Irish reunification. I think it will happen, but not for several more years. I don't quite know where the idea if a border poll being certain in the next UK Parliment session is coming from, or that the result is certain.

The majority of Irish (Republic of) people view the Unionist northerners as fricking annoying insane people. They don't completely understand the Nationalists either. They had their war of Inpendence and won; the Troubles and ongoing political unrest up North meant a lot just stayed away. I met many middle aged Irish people visiting the North for the first time at the Giant's Causeway. They saw it as Ireland, but not quite. Even our dialect, Ulster Irish, is different. They like the idea of a united Ireland, but aren't happy to vote for it when costs come into the equation. Polls show this.

Most people in Northern Ireland, including a large block of nationalist leaning Catholics, wouldn't be that keen unless pensions, healthcare and reamalgination of the education systems was very well laid out.

Dublin doesn't want the headache of a permanently demented angry Loyalist minority in the north east of the country. However, to be the Irish leader to get credit for reunification is a big draw. Name down in history stuff.

London can't wait to be shot of us in the six counties. Last PM that wanted Northern Ireland was Margaret Thatcher. (Maybe Liz Truss, but that dodn't really count.) We are an expensive millstone.

The Loyalists will never accept it, but ultimately they aren't in the majority anymore so can't stop it. Dublin would probably offer better goverance than Dublin, care more about them, even understand them more than London, but they want so much to be accepted as truely British. They hate the English don't care about their fight, their devotion to King and Country, their massive WW1 deaths (all voluntarily signed up too.) They are devoted to the Royal Family who now almost look at them as an embarrassment. But they will be a thorn in everyone's side for quite a while, united Ireland or not.

The place Northern Ireland holds in most English people's minds was made clear during Covid. The number of English visitors who came on holiday, because the couldn't go on a "proper" foreign holiday, and were surprised we took sterling in Belfast was insane. Teenagers looking at their parents saying "Is this still the UK?"

Off to look into who is predicting a border poll. God knows, I could be living in the same town, different country in five years. Berlin Wall came down faster than anyone predicted.

TheWordWomanIsTaken · 20/09/2026 11:42

FalseSpring · 18/09/2026 17:20

Yes it is. Public sector pensions are paid by today's taxpayers, there is no fund. Private sector pensions are underfunded to the tune of around £1.3 trillion - no matter whether the UK remains whole or not, it is becoming a major problem that is not being addressed.

Most people think the state pension is the major issue - I think the public sector pensions are a ticking time-bomb!

These pensions are very different to defined contribution private sector pensions where individuals have their own pot.

Not the local government scheme. That is unfunded (I think that is the right term?).

CurdinHenry · 20/09/2026 18:28

babyproblems · 20/09/2026 07:33

i think you’re probably right on this…

I think some of the replies here are naive.
We are heading towards a pension crisis and whilst I think we don’t need to panic, I do think there will be people who don’t get what they feel they are ‘owed’. People aren’t saving anywhere near as much as they need to for pensions…

Yes a lot of thinking is from many years pre covid. The unthinkable is different now.

OP posts:
Anarchy99 · 20/09/2026 22:17

Ohhhj · 20/09/2026 09:07

Save for your own retirement. You're not entitled to anything

Have you never claimed a penny off the state then? Fair play.

In any case the current taxpayers are paying for current pensioners, just as they themselves did when they were earning. It is going to get harder though, given the number of young people who are unemployable NEET.

Genevieva · 20/09/2026 22:21

There’s no point in catastrophising about what you can’t control.

Ohhhj · 20/09/2026 22:24

Anarchy99 · 20/09/2026 22:17

Have you never claimed a penny off the state then? Fair play.

In any case the current taxpayers are paying for current pensioners, just as they themselves did when they were earning. It is going to get harder though, given the number of young people who are unemployable NEET.

No benefits. We believe in paying our own way.

Trees6 · 20/09/2026 22:30

The OP has been teased by some posters but the issues she raises are there. Pensions are a problem. The kingdom isn’t looking particularly united.

Anarchy99 · 21/09/2026 01:14

Ohhhj · 20/09/2026 22:24

No benefits. We believe in paying our own way.

So do I, as it goes. I assume you don’t have children? Or at least you must be in a high tax bracket if you do.

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