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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think people without kids have more money?

306 replies

Zoomzoomzoomzoom0 · 20/12/2023 20:46

Than people with kids I mean. Twice this week I've had single child free friends tell me how
" lucky" I am that I have my husbands pension to " fall back on". I don't even know what that actually means, he has his pension, I have mine, we both work, 1 pension per person. Neither of us will be able to retire early. We have 2 kids. Kids cost a bloody fortune.
I sort of let it wash over me the first time, but the second remark ( different person) bugged me.
She said " Well I don't have my husbands pension to fall back on" so I said " You also don't have kids costing you a bloody fortune"
I don't care about other people's life choices, or how they spend their time or money, I honestly barely think about other people! Except today obviously 🤣
Both of these women obviously think I am financially better off than them. I've never thought about it, but how could I be??? ( we all work in the same industry btw, on similar wages)

OP posts:
Prettydress · 01/01/2024 21:14

I read the comment ' husbands pension to fall back on' as a bit more financial security rather than additional income. Being single coming up to retirement age with rising cost of living must be scary. Having a second persons pension as a back up for some must look preferable.

Crafthead · 01/01/2024 22:03

As a single mum, I think you're both unreasonable lol

LumiB · 01/01/2024 22:11

coffeeaddict77 · 01/01/2024 20:31

I do get it because like most people with children, I have experienced being an adult without children. I would avoid buying a one bed or studio flat if at all possible even if that means living further away from work or a less nice area (as long as not dangerous) There is more flexibility if you have two or more rooms as you can have lodger(s). Also in the 80s prices dropped faster for one bedroom and slowest to go up again in the 90s.

But you donr get it, even now. How is a single person supposed to save up for a 2 bedroom flat or house on one income. It will take far far longer than two adult incomes.

By the time they can afford the 2 bed the prices will have moved again.

This is your ignorance that you show time and time again.

So unless the single childless person is on a significantly high wage im taking close to 6 figures here or had some windfall or inheritance it isn't possible.

People on here are constantly moaning about how as a couple with no kids they are struggling to afford a property...doesn't take a genius to work out how much harder it is for single person to save up for that wonderful 2 bed place

coffeeaddict77 · 01/01/2024 22:55

LumiB · 01/01/2024 22:11

But you donr get it, even now. How is a single person supposed to save up for a 2 bedroom flat or house on one income. It will take far far longer than two adult incomes.

By the time they can afford the 2 bed the prices will have moved again.

This is your ignorance that you show time and time again.

So unless the single childless person is on a significantly high wage im taking close to 6 figures here or had some windfall or inheritance it isn't possible.

People on here are constantly moaning about how as a couple with no kids they are struggling to afford a property...doesn't take a genius to work out how much harder it is for single person to save up for that wonderful 2 bed place

Of course it is easier for a childless couple to buy a two bedroom house than a single person but how do you think it is easier for a couple with children? Yes, they might have two salaries but they are paying for four people to live out of that (if two children). Plus they will not be able to rent a room out unless you think four people with two children can squeeze into one room.

You keep saying that I am ignorant of what it is like to be a single childless person even though I have been one and yet seem to think you know all about what it is like for people with children when you have no experience of it.

OutsideLookingOut · 02/01/2024 11:33

coffeeaddict77 · 01/01/2024 22:55

Of course it is easier for a childless couple to buy a two bedroom house than a single person but how do you think it is easier for a couple with children? Yes, they might have two salaries but they are paying for four people to live out of that (if two children). Plus they will not be able to rent a room out unless you think four people with two children can squeeze into one room.

You keep saying that I am ignorant of what it is like to be a single childless person even though I have been one and yet seem to think you know all about what it is like for people with children when you have no experience of it.

Not sure if it is the same in the UK but just by being married and having children men in the US earn more than everyone else so that helps bridge the gap a little! https://www.cnbc.com/2018/09/21/married-men-are-earning-much-more-money-than-everyone-else-in-america.html

Here's how much more money married men in America are making than everyone else

The St. Louis Fed looked at income age, gender and marital status and concluded that married men are earning a lot more money than everyone else.

https://www.cnbc.com/2018/09/21/married-men-are-earning-much-more-money-than-everyone-else-in-america.html

coffeeaddict77 · 02/01/2024 11:49

OutsideLookingOut · 02/01/2024 11:33

Not sure if it is the same in the UK but just by being married and having children men in the US earn more than everyone else so that helps bridge the gap a little! https://www.cnbc.com/2018/09/21/married-men-are-earning-much-more-money-than-everyone-else-in-america.html

I haven't heard that married men get paid more than single men in the UK (probably not) but married women with children certainly don't get paid more and often get paid less than those without children, often for decades after taking maternity leave (know as the motherhood penalty). It's particularly bad for higher educated women. https://www.theguardian.com/world/2023/mar/07/gender-pay-gap-for-higher-educated-uk-parents-has-grown-since-1970s-study

UK gender pay gap for higher-educated parents has grown since 1970s – study

Research finds ‘motherhood penalty’ is greater than 40 years ago, with mothers making 69% of fathers’ wages

https://www.theguardian.com/world/2023/mar/07/gender-pay-gap-for-higher-educated-uk-parents-has-grown-since-1970s-study

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