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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think 71 is too old for state pension age?

976 replies

winterwonder1 · 10/02/2025 16:16

This isn't just for people who are 21 now - that's for people born after 1970 - so 55 now. I can't imagine being fit enough to do my job at 71.
DWP State Pension age will have to rise to 71 says report | News Shopper

DWP State Pension age will have to rise to 71, new report says

New research suggests that workers born after April 1970 will not reach UK State Pension age until they are 71

https://www.newsshopper.co.uk/news/national/uk-today/24923959.dwp-state-pension-age-will-rise-71-says-report/

OP posts:
Thread gallery
10
warmheartcoldfeet · 11/02/2025 18:24

No-one should be being forced to work beyond 60 unless they want to.
The current 65 is too high and it'll be 67 when I finally get there.

Whoever tries to introduce 71 can jump off a bridge. I'll be forced to get my french hat on and and storm Whitehall

caffelattetogo · 11/02/2025 18:29

When they proposed increasing the pension age from 62 to 64 in France one million people took to the streets to protest.

Labraradabrador · 11/02/2025 18:42

AnonymousBleep · 11/02/2025 18:16

You can't expect people with almost no disposable income to use all that disposable income by paying into a pension. So no treats at all until they're pensioners? And then still no treats because saving £50 a month isn't going to give you the sort of money for endless takeaways come retirement age. Lots of people, given the choice, will choose happiness today over a tomorrow that might never come. I don't blame them, either.

That’s fine, but that’s still a choice. You can’t really complain about having to work till you die if you’ve decided regular treats are more important. I view my pension contributions as an obligation not an option - pension might be put off if I couldn’t make rent, but definitely came before takeaways or holidays, even when I was on minimum wage.

Frowningprovidence · 11/02/2025 18:42

I do agree with that people have to balance today with tomorrow.

But I do think people need to have an idea of what 'small' amounts can grow to so at least they are basing it on facts. They need to be given a feel for how much that sum could buy in the future as I don't think people actually have a clue. I don't!

I know £40 a month from 18 to 68 is meant to equal 5k a year. Maybe a loaf of bread will cost 5k in 50 years time. Or maybe it will be the difference between heating or no heating or heating and a takeout.

Labraradabrador · 11/02/2025 18:43

warmheartcoldfeet · 11/02/2025 18:24

No-one should be being forced to work beyond 60 unless they want to.
The current 65 is too high and it'll be 67 when I finally get there.

Whoever tries to introduce 71 can jump off a bridge. I'll be forced to get my french hat on and and storm Whitehall

How do you expect to pay for that for everyone?

Wouldprefertobereading · 11/02/2025 18:43

DdraigGoch · 10/02/2025 16:53

When the state pension was introduced it was set at 70. Life expectancy was 52, though this figure will be skewed by infant mortality.

Just for context I read that if the current pension was offered using the same criteria as in1908 we wouldn’t get it till we’re 90.. relatively few people lived long enough to receive it .. so all in all we’re a lot better off, even at 71..

ElleintheWoods · 11/02/2025 18:45

It depends. Most of my family are still working in their 70s - not because they need to, but because they’re perfectly healthy and enjoy their careers and couldn’t imagine just having leisure time. Generally I’ve not known many people personally who retire in their 60s, so tbh i really can’t imagine doing it myself.

However if someone has a physical job or a job they hate then obviously different story.

In the UK there seems to be a big culture of people wanting to retire as early as possible, so can see why the replies seem to all go one way.

My gran retired at 80, she probably would have liked to kept going longer but she was getting on a bit by then.

laraitopbanana · 11/02/2025 18:47

caffelattetogo · 10/02/2025 16:23

Plus there will be no grandparents to help with childcare etc.

That…

Labraradabrador · 11/02/2025 18:48

ruethewhirl · 11/02/2025 18:05

'Something', yes. Enough to make any meaningful difference to their eventual pension provisions? Variable.

You would be amazed what happens with compound interest. If you start early enough and contribute regularly your actual contributions will be a small fraction of your total pot. Someone who starts in their early 20s will be much more likely to accumulate a meaningful pot even if they have periods later on where they need to pause saving. If you wait until 40s or 50s to start it is incredibly difficult.

laraitopbanana · 11/02/2025 18:50

warmheartcoldfeet · 11/02/2025 18:24

No-one should be being forced to work beyond 60 unless they want to.
The current 65 is too high and it'll be 67 when I finally get there.

Whoever tries to introduce 71 can jump off a bridge. I'll be forced to get my french hat on and and storm Whitehall

Do you really think it will be « forced »?

I actually think that in between the private pension from employers which are invested I believe and the baby boomers not being there anymore…there might be only a few changes only that it isn’t the government that pays but more privately…

NormasArse · 11/02/2025 18:52

caffelattetogo · 10/02/2025 16:20

Absolutely too old, particularly in poorer areas. Isn't the average life expectancy in poorer areas something like 68?

That’s what they’re hoping.

Purpl · 11/02/2025 18:53

This has made me cry. I’ve got private pensions but they ended the defined benefits in early 90s I’ve paid in 8-10% salary forever I’m 53. But these private pensions are not performing and already looking like poverty only the state pension makes it do able.
how is it fair that the taxpayers pay towards public sector workers like office civil servants to get decent pensions meanwhile a private sector worker gets nothing.
we all pay NI and part of that was for our pension. At 53 it’s too late for us to add enough in now we have had no warning we were expected to retire at 60 then 65 and now 67. Ok 67 is reasonable for most but 70 just isn’t. And why isn’t the government making cuts to public sector plus enforcing higher contributions from private sectors

AtlasPine · 11/02/2025 18:58

To the person who mentioned Nomadland - I was coming in here to recommend this. We are moving towards the US model - we live too long. It’s so sad.

Umbrella15 · 11/02/2025 19:07

Duckinahat · 10/02/2025 16:23

You’re supposed to save up to retire early. State pension is not supposed to fund years of retirement. That would be very expensive.

I work for the NHS, I cant get my nhs pension untill 68 at the moment.Possibly of goimg up to 72. I could of saved all my working life if I hadnt had 3 kids, all of whom are un uni so still supporting them, and with a crippling morgtage to pay. Some of us arent as privillaged. Evan if I had managed to save, I cant get my full pension untill pension age. To qualify for this, you need to work full time untill this age.

warmheartcoldfeet · 11/02/2025 19:08

Labraradabrador · 11/02/2025 18:43

How do you expect to pay for that for everyone?

The French manage to allow people to retire at 62.

TheAmusedQuail · 11/02/2025 19:10

Labraradabrador · 11/02/2025 15:23

You need help with your critical reasoning. 14% do so does not equate to 14% can afford to. I buy no takeaways, but certainly could afford to.

Whereas, the assumption that £50 is a takeaway, is something I can never afford to buy. I might occasionally (as in once a month or in reality less) buy a £3.99 meal deal from a supermarket.

A £50 takeaway is more than my weekly food shopping bill.

Labraradabrador · 11/02/2025 19:11

warmheartcoldfeet · 11/02/2025 19:08

The French manage to allow people to retire at 62.

It isn’t sustainable in France either

https://www.telegraph.co.uk/money/pensions/france-pension-system-crumbling-britain-next/

warmheartcoldfeet · 11/02/2025 19:18

caffelattetogo · 11/02/2025 18:29

When they proposed increasing the pension age from 62 to 64 in France one million people took to the streets to protest.

Exactly.

The Brits have been pushovers for way too long.

So many people on this thread trying to justify a state pension age of 71.

They must be living on a different planet to me. (and the French, Austrians, Indians, Poles).

warmheartcoldfeet · 11/02/2025 19:19

Labraradabrador · 11/02/2025 19:11

That's behind a paywall so can't read it

BIossomtoes · 11/02/2025 19:24

JoyousGreyOrca · 11/02/2025 18:04

@Wingedharpy it is any employers pension scheme in the past, not only NHS and council pension schemes

It’s not. I worked in the NHS and local government and receive a full state pension of £220 a week.

Labraradabrador · 11/02/2025 19:27

warmheartcoldfeet · 11/02/2025 19:19

That's behind a paywall so can't read it

There’s plenty written on the crises facing France’s pension system if you care to google it. All of Europe is facing the same demographic challenges and are having to scale back and/or delay pension benefits as a result

Vergus · 11/02/2025 19:35

Only people with no brain cells would rely on state pension though. You have to work hard and save hard, pay into a work pension, or a private pension, put money aside (however you choose to do this, whether you invest or whatever) and live within your means. Progress your career if you can. Educate yourself on financial independence and savings products.

Too many people spend spend spend on luxuries they cannot afford. Where is the careful planning, the recognition that yes, you and you alone are responsible for your financial well-being and that of your family. You are also responsible for the financial well-being of your future self.

It is time people took more ownership over their financial decisions and, in some cases their expenditure. I’m sick to the back teeth of this culture of complaining this country has - no, you should definitely not rely on state pension because it’s there for people who are very elderly and very frail - exactly what it was intended to be. If you want to retire at 55, you can, nobody is stopping you. But plan it, save for it, live carefully and watch the pennies.

And there are plenty of jobs out there. No excuse

angela1952 · 11/02/2025 20:05

I think that the worst problem will be for those who do very physical work, many people couldn't even do this over 60 let alone over 70. My DH is an engineer and apparently the people who organised men on pipe gangs (heavy work laying large pipes) encourage them to save so that they can retire at 55 or earlier.

AtlasPine · 11/02/2025 20:06

Many of us will be pushing banks of trolleys around supermarket carparks in our 70s, trying to top up pensions we thought would be enough to live off when we started working. Poverty which led to the original old age pension at 70 in the early 1900s was literally about old people freezing or starving to death because their children, if they had them, had pre deceased them.

Many poorer older people were supported by their children in return for housekeeping and childcare for as long as they could do it. Rural and urban living would have been hugely contrasting. In the country, growing your own vegetables and picking hedgerow fruit, keeping a few chickens and frugal home economics would be the difference between absolute misery and basic existence for many. We rightly expect so much more now - protein with meals, holidays, more than one pair of footwear. But I suspect poverty will change to become much more about the most basic levels of survival rather than doing without treats and buying clothes in charity shops. I don’t mean to downplay what poverty is and how crippling it is in todays society but it isn’t the same as it was when the foundling hospital was set up to take dying abandoned babies off the streets of London.

We cant look back for the answers, we need to look forward. Backwards into history was much worse and the bit in the middle, post WW2, simply isn’t sustainable.

Good co-living schemes to mix the ages into a new type of ‘family’ which use solar power to put excess clean energy back into the grid, a complete change in thinking around how to ensure no one is malnourished through knowing nothing but cheap addictive food. The food which is creating a generation of really unfit and expensive older people. Schemes to use gardens and public spaces to grow food so we can raise the healthy life expectancy and cut huge social and health care costs. A role for older, retired people to support the younger ones to work and to care for each other when needed.

And a sensible prioritisation of where we spend money as a nation. I don’t care how bad it sounds but my late 90s mum hasn’t known who she is or had any quality of life for years, costs thousands and thousands a month in care (her money runs out soon and then it’s the states cost) and would have hated this. She’d have HATED it. It was her ultimate nightmare that she’d go on and on living in a twilight world of confusion and blankness.

She would have far preferred the state money to go on supporting disabled people to have meaningful work or better schools, or better health care for younger people.

We are living in a world which is like a huge dog covered in fleas who needs a BIG shake up and a sustainable care plan. This can’t be anything but incredibly painful.

warmheartcoldfeet · 11/02/2025 20:21

Labraradabrador · 11/02/2025 19:27

There’s plenty written on the crises facing France’s pension system if you care to google it. All of Europe is facing the same demographic challenges and are having to scale back and/or delay pension benefits as a result

Oh well you can work till 71 if you want to.

I won't be.