To think state pension needs to be means tested , most sill claim way more than put in due to life expectancy. The current simply can't afford it anymore, it's out biggest single outlay..

[wishedforchild2016]

Aibu ?. Interested hear opinions for/against..

Motivate people to work and save - not the complete opposite! Bunch of fools.

I agree. Many already feel they are paying more than their fair share, and other's fair share too!

The only thing Labour seems to have any conviction is that rich people should pay more tax. I'm not even convinced that they think the benefit state is working - just that it would be 'mean' to stop it.

I'd happily pay 100% for my own retirement, but I'll need lower taxes to do it and for everyone to pay for their own retirements too.

Completely agree.

Make the state pension fully contribution based; you only get money out according to what you've put in.

OP is, effectively, proposing the exact opposite: if you've earned well enough to get a full state pension AND a decent private pension, we'll take the state pension off you. 🙄

In most countries you earn more, you pay more in, you get more out in retirement - the two are linked.
In the UK you get the same (a breadline amount) regardless of what you pay in. I can accept that, we are (were) a fair society.
But now you are proposing the more you earn, the more you pay in, the less you get out in retirement.
Utter madness and demotivating for individuals and consequently the economy.

Sadly not

I have Parkinson’s, 63 mid stage, I won’t be doing nursing home, right to die my choice

This ☝️ Even India and South Africa have State Pensions. They are very small, but what you’re proposing is treating pensioners in the UK like it’s a third world country. Private pensions were gifted to us. Those of us who have them, paid through the nose for them. Anyone with a private pension of any consequence already pays tax on their State Pension, as it’s taken on their private pension. Let’s see what you think when you’re near retirement. Be careful what you wish for.

This is sort of what happens in Australia. It's means tested and unrelated to "putting money in" via NI. Instead it's dependent on residency, income and assets. You apply and will get a full/part/no pension.

The UK needs to disengage the NI bit, make it part of general taxation if they want means-testing to be accepted. And it will need a run-in time.

Seems a bit unfair that those paying in the most to cover everyone else will get nothing.

And now you have more claiming benefits as physically unfit, moved the issue.

I agree the OPs suggestion is deliberately goady unfeasible. But you do realise they under your idea women and especially mothers would lose out massively? Even when women continue to work post having children their pay often suffers. So even when they are fully paid up on contributions the amount is often proportionately less. Women are also more likely to need to take time out of work/work.paet time to care for aging relatives. Actually I guess this would also penalise men who try to share the parenting load equally.

So you are creating an active disincentive against either having children or looking after aging relatives. What effect do you think that will have down the line? It's also an odd take to have on Mumsnet of all places.