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If you can work you should... But why?

460 replies

Tryingtokeepgoing · 15/08/2024 10:41

So, Rachel Reeves is of the opinion that if you can work you should. However, there are millions of us in the 50+ bracket who can work, but don't need or want to work. We are financially self sufficent, happily (ish) paying tax and spending money supporting the services economy on which so much of the country depends. Why should we work? Altruistically, I see my choice not to work as creating opportunities for progression for others...

Why should we work?
What is achieved by encouraging us to work?
If there are benefits to us working, how can she incentivise us to do so?

caveat - I am not a fan of the Telegraph, but it is a direct quote

“If you can work, you should work,” she said after official figures showed worklessness in Britain rose to its highest level in more than a decade.

How spiralling worklessness among British-born adults is fuelling a migration crisis

Starmer’s goal of driving up GDP is in jeopardy as 9.5m people are economically inactive

https://www.telegraph.co.uk/business/2024/08/13/worklessness-crisis-britain-dangerously-dependent-foreign/

OP posts:
PrettyPickle · 17/08/2024 19:05

Bodeganights · 17/08/2024 10:55

This is true but unhelpful when you hit an age you can never hit full pension.
So I was full time til children, had to go part time, husband left, had to stay part time. By this point I already know I'll never get 40+ years in, so pointless trying now. My life panned out so that I could stay part time. So I did.

There are I'm sure better ways of making one qualify for full state pension, but this isnt it.

I've had the option of making up the years I missed, I couldn't afford it then, and then the SP age increased so I wasn't prepared to lob thousands of pounds at my missing contributions to quite possibly never seeing it. I'd rather those thousands in savings and when it reaches an amount, I'll probably just quit work. And wait til state pension kicks in, and whatever benefits I get to make up the difference. And if none by then, I'll just keep working.

Are you aware that if you were in receipt of family allowance in your name for your children, during the period you are in receipt of it, you will also earn national insurance (NI) credits, which you need to receive the full state pension. If you (or your partner) are not working, or earning less than £123 a week, claiming Child Benefit lets you earn NI credits you wouldn't otherwise have earned. You can also get credits for any time you are in full time education. So if you had family allowance for 16yrs and did not work, you will be credited as if you did for your pension.

Parker231 · 17/08/2024 19:08

laraitopbanana · 17/08/2024 18:52

Congrats on your retirement!

Thank you - two weeks to go! Am in London for a couple of days of a final handover to the team (and another leaving’do’), then back home to tie up loose ends with my team there.

Bodeganights · 17/08/2024 19:17

PrettyPickle · 17/08/2024 19:05

Are you aware that if you were in receipt of family allowance in your name for your children, during the period you are in receipt of it, you will also earn national insurance (NI) credits, which you need to receive the full state pension. If you (or your partner) are not working, or earning less than £123 a week, claiming Child Benefit lets you earn NI credits you wouldn't otherwise have earned. You can also get credits for any time you are in full time education. So if you had family allowance for 16yrs and did not work, you will be credited as if you did for your pension.

Yes I found out a few years ago that child benefit would count. But I dont know about part years, say I worked for 4 months of the year, and then when the rules changed for how many years and then theres the serps and serps2 debacle.
So in short I gave up and I will at some point bother to look, but it doesnt affect me right now.

Thank you though.

anon666 · 18/08/2024 13:01

Wishitwasstraightforward · 16/08/2024 22:05

I am sorry that you've found yourself in this position. It's is extremely unfair and infuriating.

I have experienced something similar and ended up becoming self employed. Not because I'm able to earn a lot, but because I've been written off as a mature woman. I also have a health condition which brings short but unpredictable loss of speech and balance. No one wants to employ me, so I work for myself, full time.

I don't claim benefits because I am able to work around the episodes and make up any time lost. Even if I was struggling to work I'm not eligible for benefits as I'm not disabled enough. The criteria are strict and fixed.

I feel strongly that if I had not had children I would be in a better position work wise. I don't regret it for a second, but pregnancy and maternity leave alone affected my standing at work. Then my DCs dad left unexpectedly, lost his job and there I was having to do it all and I had to go part time for a period.

I know people look at me and decide that my situation is my own fault. That I have made poor decisions, am not bright, or capable, or hardworking. But the truth is I worked hard at school and have an Oxbridge degree, I believed whole heartedly that DH was reliable and responsible, our DC were planned, he let us down horribly and that wasn't my fault, I am resourceful and hard working but it is very very hard to parent and work and do everything yourself, my health issues are not my fault......

@Wishitwasstraightforward I hear you and I see you.

So many women are let down left by the wayside by their men. It seems to me that only the minority of men are capable of mature, monogamous relationships. It's an injustice that's not even touched on by our modern society. If anything, the state seems to accept and enable feckless men to keep moving on, leaving a trail of destruction in their wake. I had no idea how bad it was until my sister's dh left and I saw the horrendous state sponsored bullying that came in the form of the divorce process. He has been able to get away with the narcissistic abuse by proxy via his solicitor. It's almost destroyed her, as she has still chosen to take the "high road" for the sake of protecting her children.

Personally if it were me, I swear I'd be in jail for homicide or dead.

And health conditions are not your fault, but we have a society which "others" people with illness and disability in order to protect the consciences of the young, well and affluent. I never succumbed to the God of smug wellbeing, but I saw them. Young, lucky people in their 30s, seemingly immortal and untouchable, proclaiming their virtue because they spent all their time in the gym. 🙄

I'm not bitter, just wiser. This is starting to sound like a histrionic rant, so I'll shut up. But you are not to blame, and it sounds like you've done a bloody good job of raising our kids and looking after yourself. 😇

Nowordsformethanks · 20/08/2024 20:38

LucyintheSky21 · 16/08/2024 21:49

@XenoBitch - the above was meant for yourself, sorry I should have put your username. I don’t hate my friend, and would never report someone. I simply stated someone I know is claiming benefits when there is nothing wrong with her or her partner, and there are many like this. I am however a bit confused by your comment that ‘I’ won’t get any money for reporting someone. I have a very good and well-paid job, as does my Husband, so I’m not sure why you’d make such a comment. It seems like you don’t like what I have had to say about someone I know, when I was only speaking the truth. Seems strange that you’d be erked by my post.

If you would never report someone you know is claiming fraudulently, then you may as well be claiming fraudulently yourself because you're part of it and enabling it. No need to complain then. How else would they stop if people like you do nothing?

Nowordsformethanks · 20/08/2024 20:43

LucyintheSky21 · 16/08/2024 21:53

I have told my friend that they need to give up his flat and claim jointly at least because it’s dishonest to be claiming separately. I have also told her that there will be others who could use his flat and a housing shortage, but she insists they will get more money by claiming separately. She knows how I feel about it all actually but I have known her a long time and as I said, she is a friend. We don’t have to always agree with everything that a friend does.

A huge difference between not agreeing with someone and enabling fraud.

Every criminal is also a friend to someone so they should all protect their friends too. As I said, don't report if you don't want to but stop complaining if you won't do anything about it. It doesn't make you a better person.

asdfgasdfg · 24/08/2024 20:32

I am job hunting at 71, noway I need to financially but I have to get away from my husband at times. Only want 20 hours admin, anyone hiring around Romford?

XenoBitch · 25/08/2024 16:47

asdfgasdfg · 24/08/2024 20:32

I am job hunting at 71, noway I need to financially but I have to get away from my husband at times. Only want 20 hours admin, anyone hiring around Romford?

Not what you are asking, but if you are just needing to get away from your husband then maybe look into getting an allotment. Works for my mum (although she is also working past retirement age for the same reason you want to)😂

AmaryllisNightAndDay · 25/08/2024 17:01

asdfgasdfg · 24/08/2024 20:32

I am job hunting at 71, noway I need to financially but I have to get away from my husband at times. Only want 20 hours admin, anyone hiring around Romford?

Also not what you're asking but if you have admin skills there will be charities who would appreciate your voluntary help. Google for volunteer opportunities in in your area, since you don't need the dosh.

Kjpt140v · 27/08/2024 19:44

Tryingtokeepgoing · 17/08/2024 12:54

Of course she’s not expecting fit 99 year olds to work. That’s quite an extreme, some would deliberately obtuse, interpretation. I do think she does think that the many of who have chosen not to work at 50 something are somehow a pool of resource to be tapped. So, I asked how she would / could incentive use us back to work.

Of course, Labour being Labour, I expect they’ll resort to the stick rather than the carrot to change behaviour - they have an inherent authoritarian streak. It’s before my time, but my grandparents in particular, as well as my parents, used to speak of the top rate of tax at 83%, and 98% tax on unearned income, at the equivalent of only £200k or so today. Even the basic rate of income tax was 35% back then…But like many, I have a plan for that as well.

It was supposed to be extreme.

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