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When will people realise that pensioners have paid for their state pension.

759 replies

notsafeanymore · 19/06/2026 09:13

Every time there is a debate about the cost of living pensioners get a bashing.
And some have also paid for a private pension.
It's people who have never worked that should be targeted first.
I'm not on about the disabled. It's people who are benefit cheats and have never worked.

OP posts:
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MochaMadness · 19/06/2026 12:14

Larrythecatforpm · 19/06/2026 09:25

First two posts nailed it. It needs to becomes means tested, the country cannot afford to pay half of the welfare bill on state pension anymore.

I've scrimped and saved to have a private pension. If they means test the state pension I'll simply stop my private pension contributions and spend the money instead. Why should I be penalised for forward thinking when others have just spent their money.

furimosa · 19/06/2026 12:14

This is why baby boomers should pay wealth taxes in their property wealth

They don’t really have anywhere else to tap now but it will be deeply unpopular

CuteOrangeElephant · 19/06/2026 12:15

PistachioTiramisu · 19/06/2026 12:01

But there is absolutely NO reason why such a large percentage of people should go to University and build up a debt. Few careers really need a degree and I think the taxpayer should pay for those who do courses which will benefit their country, such as medicine, law, engineering, economics, etc. Apprenticeships should be made more widely available too.

And some young people ARE spoiled and lazy - how many times have you read on here that they 'can't cope' with the rigours of full-time job, or 'don't want to work'? They also can spend money like water instead of saving - for example I read a post this morning from somebody who had paid £6, yes £6, for a milkshake - I mean that is just madness!

I agree that not everyone should have to go to university, but realistically what other pathways are there for young people apart from some competitive apprenticeships?

Nursing etc requires a degree these days and there is no jobs at the end of it.

And yes some people are spoilt and lazy, but so are some pensioners. No need to tar everyone in a generation with the same brush.

Interested in this thread?

Then you might like threads about these subjects:

NorthXNorthWest · 19/06/2026 12:15

TheRealMagic · 19/06/2026 11:18

And also if you don't qualify for a state pension but have no other income you just get pension credit.

Pension Credit can unlock substantial additional benefits, potentially making some pensioners better off overall than pensioners who receive just State Pension.

Pensions are much more nuanced and complex than "just get".

BlackRowan · 19/06/2026 12:18

notsafeanymore · 19/06/2026 09:13

Every time there is a debate about the cost of living pensioners get a bashing.
And some have also paid for a private pension.
It's people who have never worked that should be targeted first.
I'm not on about the disabled. It's people who are benefit cheats and have never worked.

That’s not how it works. Pensions you receive now and will be receiving until you die do not correlate to the total amount you paid in. Most pensioners currently are grossly overpaid

furimosa · 19/06/2026 12:19

Clothes were massively more expensive

When are we comparing to? I have amazing leather shoes & bags, cotton dresses, silk tops etc all from the high street from the 90s and 00s. Amazing quality for the price.

NorthXNorthWest · 19/06/2026 12:19

furimosa · 19/06/2026 12:14

This is why baby boomers should pay wealth taxes in their property wealth

They don’t really have anywhere else to tap now but it will be deeply unpopular

They could growing the economy, not endlessly reallocating a limited pool of assets and income. That's what a well run society does.

furimosa · 19/06/2026 12:21

And some young people ARE spoiled and lazy - how many times have you read on here that they 'can't cope' with the rigours of full-time job, or 'don't want to work'? They also can spend money like water instead of saving

Young feckless people often grow old so these things are not exclusive to one generation.

NorthXNorthWest · 19/06/2026 12:22

loislovesstewie · 19/06/2026 11:15

And I stated the ones that are unfunded. Unlike local authority pensions.

Well then, I'm not sure why you quoted them to me, as they were irrelevant to the point I was making.

furimosa · 19/06/2026 12:22

@NorthXNorthWest & how do you grow the economy without money for investment?

Differentforgirls · 19/06/2026 12:22

TheRealMagic · 19/06/2026 11:55

Free childcare is just a government tagline for most people. What it actually is is lightly subsidised. I had 30 hours 'free' childcare for both of mine once they turned 3 - it reduced the nursery bill for each of them from about £900 per month to about £600 per month. Which obviously was welcome, but isn't free.

If living isn't getting more expensive then that's great news as we can ditch the triple lock no problem, as why would any rise in state pension be needed at all? Sort of flies in the face of all statistical evidence, though...

Of course living was more expensive. Food is a lot cheaper now. So are white goods/furniture/tvs/clothes etc.

Read what I wrote. I didn't say living isn't getting more expensive, but it was relatively a lot more expensive in the 60s-80s than it is now.

Not sure what that has to do with the triple lock.

I take it you live on £1000 per month? Doesn't leave much when you pay your child care.

CuteOrangeElephant · 19/06/2026 12:22

NorthXNorthWest · 19/06/2026 12:19

They could growing the economy, not endlessly reallocating a limited pool of assets and income. That's what a well run society does.

They could grow the economy by investing in young people.

Free childcare, free education, better education, lifting children out of poverty, more working from home. Won't happen though, all these things are very unpopular with a big chunk of the electorate.

furimosa · 19/06/2026 12:23

Remember growth has eluded us for nearly 2 decades, it’s not a quick fix.

furimosa · 19/06/2026 12:24

@Differentforgirls bit didn’t housing take up a lower portion of someone’s income?

WhereverIlaymycatthatsmyhome · 19/06/2026 12:24

Viviennemary · 19/06/2026 12:04

The state pension is far far less than people on benefits are raking in.

Nope

Monty36 · 19/06/2026 12:25

ThisHardyNavyZebra · 19/06/2026 11:35

The problem is that there are so many demands on public funds, and no one wants to pay more tax (and they resent the amount they currently pay), so it is not as easy as that.

I did not say it was easy. But I expect people who put themselves forward to run things to be able to do so. And do so not to the detriment of many.
And to have a bit of willpower. Of determination to resolve problems. To find solutions. A bit of imagination.

furimosa · 19/06/2026 12:25

CuteOrangeElephant · 19/06/2026 12:22

They could grow the economy by investing in young people.

Free childcare, free education, better education, lifting children out of poverty, more working from home. Won't happen though, all these things are very unpopular with a big chunk of the electorate.

This is what needs to be done as well as invested in infrastructure, R&D etc but we have invested less into the young and more into the old which is not going to help productivity.

People will vote for things that benefit them so it’s not going to change.

Differentforgirls · 19/06/2026 12:25

furimosa · 19/06/2026 12:11

How can it be cheaper than free? Also living was NOT cheaper.

@Differentforgirls childcare isn’t free though.

You get free hours.

dottiehens · 19/06/2026 12:26

CuteOrangeElephant · 19/06/2026 11:32

It always surprises me how nasty some of the pension age people are towards the younger generations. Calling them spoiled and lazy, complaining about the maternity leave and "free" childcare the younger generations enjoy. Meanwhile young people are starting their working life with massive student debt, no job prospects and a housing crisis. Childcare is nearly unaffordable, so no surprise people are choosing not to have children.

There is about to be a massive demographic crisis, younger people will be desperately needed. To pay into the pyramid scheme and to provide physical care. My DC live abroad, I will counsel them not to return to the UK until attitudes towards younger people improve.

I am more sorry for elderly people than younger people. The choices the elderly made were based on what was offered. May be you are not aware of the many countries young people emigrate for a better life. They still can and plan for the future. Elderly people can’t.

furimosa · 19/06/2026 12:27

Monty36 · 19/06/2026 12:25

I did not say it was easy. But I expect people who put themselves forward to run things to be able to do so. And do so not to the detriment of many.
And to have a bit of willpower. Of determination to resolve problems. To find solutions. A bit of imagination.

And then you look at the outcry over means testing winter fuel…the electorate are responsible too. There is a shift to Reform because they are saying we can have this utopia of low taxes, excellent services, low immigration, blah blah.

Differentforgirls · 19/06/2026 12:28

BlackRowan · 19/06/2026 12:18

That’s not how it works. Pensions you receive now and will be receiving until you die do not correlate to the total amount you paid in. Most pensioners currently are grossly overpaid

£1000 per month is over paid?

DontBuyAnotherBook · 19/06/2026 12:28

banmusk · 19/06/2026 11:55

A stay at home parent has worked, being a parent, raising children is necessary work which makes a vital contribution to society.

It isn't contributing to your pension though.

furimosa · 19/06/2026 12:29

Differentforgirls · 19/06/2026 12:28

£1000 per month is over paid?

It is when you haven’t paid much tax!

Monty36 · 19/06/2026 12:29

furimosa · 19/06/2026 11:17

@Monty36 whst does that even mean? Explain how you can have better public services with less tax? And my hands aren’t grubby for pointing out something isnt sustainable, such hyperbole!

It perfectly demonstrates how some of the electorate cannot comprehend reality though.

Many people who want to get rid of the NHS do so because they really want to invest in new medical healthcare schemes. That will be needed if the NHS goes.
Ditto new pension schemes.
Your support for the demise of the NHS or apparent support for that led me to request you keep well away from it.
Yes, it needs change. But not in the way many people want it to.

Differentforgirls · 19/06/2026 12:30

furimosa · 19/06/2026 12:24

@Differentforgirls bit didn’t housing take up a lower portion of someone’s income?

No. Most people rented.