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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
TheAmusedQuail · 11/02/2025 20:38

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

I suspect you're rage baiting.

The reason is one word. Poverty. And your response to poverty in five words is over entitlement, deliberate willfulness and selfishness.

Ladymeade · 11/02/2025 20:55

What about those in manual employment? People in these industries surely won't be able to carry on into their later years due to declining physical health!

Luddite26 · 11/02/2025 21:03

I can't live within my means when I have been helping the economy keep going all my life with my spending.

Pessismistic · 11/02/2025 21:03

its a bloody joke people who have paid in to the pot for 30 years or more should stay at the age it is was 66 and people who don’t contribute wait til 71. I can’t imagine getting to 71 as I have loads of health issues now mid 50s never mind get up for work maybe the government just hoping many will die off by this age so they don’t have to pay out anything yet they claim all sorts of expenses why not save money by having less mp’s we don’t need them all. I’m sick of this country moving the goal posts all the time.

warmheartcoldfeet · 11/02/2025 21:08

Luddite26 · 11/02/2025 21:03

I can't live within my means when I have been helping the economy keep going all my life with my spending.

Exactly!

They can't have it both ways. 'spend and help build Britain', 'don't spend, save all your money cause you're not getting a penny out of us till you've lost all your teeth even (if you have given us more than your monthly state pension in taxes each month for 45 years)'.

Pessismistic · 11/02/2025 21:12

winterwonder1 · 10/02/2025 16:25

I thought private pensions topped up the state pension, not replaced it. And who will employ me when I'm too old and worn out to do my current job?

Yes that’s right top up if you pay into 1 that why the government made it mandatory a few years back so you are right in what you say.

Labraradabrador · 11/02/2025 21:16

warmheartcoldfeet · 11/02/2025 20:21

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

I won't be.

Well done. i have been building a pension since I was 20- I can retire at 50 if I choose. People can retire anytime they like if they can provide for themselves.

The state can’t provide that to everyone, though. Even if it was your top priority and we all really really wanted to - the maths just don’t math. Pensions are paid by current workers and if we have too many pensioners or too few workers then it doesn’t add up for long - there is only so long you can pay for that on credit. So our options are to 1) reduce number of pensioners (keep people working longer, make people die faster, limit eligibility to pensions via other means) or 2) grow the workforce (more children, more immigrants, people working longer).

Pessismistic · 11/02/2025 21:21

Labraradabrador · 11/02/2025 18:43

How do you expect to pay for that for everyone?

There paying out a lot more money now to people who don’t want to work and then again on the dcs they have. pension money should be paid out to those who pay in. why should the worker go without holidays & treats etc when people on benefits get these as well. The government need to prioritise workers over work shy people not people who cannot work not benefit bashing here. But those that laugh at the rest of us for working hard for them to reap the benefits. They don’t even have to get out of bed these days to get there money. They don’t lose out if there off sick, don’t have to find money for the dentist or for new glasses.

StrikeAlways · 11/02/2025 21:32

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

The answer to your why should you pay for public sector pensions is that you don’t! The public sector is an employer. Public sector workers are paid for their (hard) work. They pay 10.7% of their salarly into their public sector pension and many, like me pay in extra to build up their pension. My contribution was 15% for 21-years, the standard rate for the years before that and I still didn’t get a full NHS. There is a lot of ill informed jealously about public sector pensions. Anyone would think we haven’t worked and paid into our pensions to listen to some people.

Ariela · 11/02/2025 21:38

wipeywipe · 10/02/2025 16:56

i don't understand why people over the age of 60 still working don't pay NI.

People over 60 do pay NI until state retirement age (so 66/67/68), if the employee is earning more than £242 per week from one job or is self-employed and making a profit of more than £12,570 a year, as do employers.
Once over the current state retirement age then there is no NI paid.

Lovelyview · 11/02/2025 21:55

warmheartcoldfeet · 11/02/2025 19:19

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

https://archive.ph/Eps0j archive.ph is your friend.

Labraradabrador · 11/02/2025 21:55

Pessismistic · 11/02/2025 21:21

There paying out a lot more money now to people who don’t want to work and then again on the dcs they have. pension money should be paid out to those who pay in. why should the worker go without holidays & treats etc when people on benefits get these as well. The government need to prioritise workers over work shy people not people who cannot work not benefit bashing here. But those that laugh at the rest of us for working hard for them to reap the benefits. They don’t even have to get out of bed these days to get there money. They don’t lose out if there off sick, don’t have to find money for the dentist or for new glasses.

While I agree that it is too easy in the uk to opt out of work, tighter restrictions on benefits is unlikely to alleviate the demographic driven pressures that make our current pension system unsustainable. All mature economies are facing the same dilemma from Japan to all of Europe to the US so it isn’t a unique failing of the British system. The most effective solution is probably immigration, it even if we fully embraced that it probably wouldn’t be enough to sustain current commitments indefinitely.

Cyclingmummy1 · 11/02/2025 22:05

Funykeudfh · 10/02/2025 16:37

The state pension is a bonus really let's be honest. It should be viewed as an extra and not relied on. Its making me laugh on this thread where everyone is saying 'I couldn't still teach age 71' 'I can't imagine a 70 year old firefighter' - two professions where they definitely do not need to rely on or wait until state pension age to retire - they have fabulous pensions!

I'm 40 and I'm saving hard for retirement (despite also paying nursery fees) and overpaying my mortgage (can only afford £100 per month but its something)

We all have a responsibility to save for our own retirement and the state pension must not be relied upon.

It also doesn't dictate what age you choose to retire just FYI - minimum pension age is 55 rising to 57 at the moment.

Fabulous pensions?

You pay in nearly 10% pa and get 1/57th of your salary in 'credit', payable when you're 68.

It's a decent pension but it's hardly 'fabulous'.

messybutfun · 11/02/2025 22:06

Labraradabrador · 11/02/2025 17:59

Anyone who can afford to go on holiday can afford to put something in a private pension. That is a solid majority of Brits.

But you can’t put pension contributions on a credit card!

warmheartcoldfeet · 11/02/2025 22:14

What about all the lower paid jobs such as charity workers, carers, cleaners, calls centre staff, retail staff, leisure industry staff - they barely get paid enough to live on, there's no way they can save up 30 years worth of private pension on their wages.

So those advocating a 71 year old state pension age - these are the people you are consigning to carrying on working until they are in their 70's.

It's alright for some with their decent wages and flashy work pensions.
It's just not the norm for vast amounts of the people that keep this country clean, cared for and enjoying their free time.

A 71 year old pension age is just selfish and puts the burden of work onto those that can least afford to do anything to avoid it.

rainydaysandrainbows · 11/02/2025 22:15

warmheartcoldfeet · 11/02/2025 22:14

What about all the lower paid jobs such as charity workers, carers, cleaners, calls centre staff, retail staff, leisure industry staff - they barely get paid enough to live on, there's no way they can save up 30 years worth of private pension on their wages.

So those advocating a 71 year old state pension age - these are the people you are consigning to carrying on working until they are in their 70's.

It's alright for some with their decent wages and flashy work pensions.
It's just not the norm for vast amounts of the people that keep this country clean, cared for and enjoying their free time.

A 71 year old pension age is just selfish and puts the burden of work onto those that can least afford to do anything to avoid it.

Totally agree

marmaladeandpeanutbutter · 11/02/2025 22:19

Even more senior people like, as a previous poster named, surgeons would not cope. They stand up for hours and bend over the patient. Those who start specialty training now will not be on the same pay plan as older doctors and could not afford to save for an early finish.

BooneyBeautiful · 11/02/2025 22:22

wipeywipe · 10/02/2025 16:41

We all have a responsibility to save for our own retirement and the state pension must not be relied upon.

What about current pensioners? And you would abolish pension credit?

If you have made enough NI contributions you will get a full state pension, so won't be entitled to pension credit anyway, even if you don't have a private/employer pension.

Leafy74 · 11/02/2025 22:22

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.

But the law was passed wasn't it?
And in France you have to work for 43 years rather than 35 here to get it.

Leafy74 · 11/02/2025 22:24

warmheartcoldfeet · 11/02/2025 22:14

What about all the lower paid jobs such as charity workers, carers, cleaners, calls centre staff, retail staff, leisure industry staff - they barely get paid enough to live on, there's no way they can save up 30 years worth of private pension on their wages.

So those advocating a 71 year old state pension age - these are the people you are consigning to carrying on working until they are in their 70's.

It's alright for some with their decent wages and flashy work pensions.
It's just not the norm for vast amounts of the people that keep this country clean, cared for and enjoying their free time.

A 71 year old pension age is just selfish and puts the burden of work onto those that can least afford to do anything to avoid it.

But how will we pay for it?

Labraradabrador · 11/02/2025 22:28

warmheartcoldfeet · 11/02/2025 22:14

What about all the lower paid jobs such as charity workers, carers, cleaners, calls centre staff, retail staff, leisure industry staff - they barely get paid enough to live on, there's no way they can save up 30 years worth of private pension on their wages.

So those advocating a 71 year old state pension age - these are the people you are consigning to carrying on working until they are in their 70's.

It's alright for some with their decent wages and flashy work pensions.
It's just not the norm for vast amounts of the people that keep this country clean, cared for and enjoying their free time.

A 71 year old pension age is just selfish and puts the burden of work onto those that can least afford to do anything to avoid it.

So how do you propose it should be funded?

Pessismistic · 11/02/2025 22:32

Omg can you imagine all the 70 years olds working in retail supermarkets mainly taking ages to stack shelves or walk to the till when they get called to open a new till to save the queues imagine a young person waiting for them to get there shuffling along it’s ridiculous to think people should suffer until there 71 lifting the heavy items etc. people’s eyesight and hearing suffer as they get older I am against this 100% by the time I retire if I’m alive I will have worked 50+ years and the person who hasn’t worked like this will get same money. There should be two tiers one higher for workers who have paid and a lower one for non workers. That might be an incentive to work because right now there are too many people sitting around watching daytime tv and this isn’t against everyone on benefits just the piss takers.

CurlyhairedAssassin · 11/02/2025 22:36

MikeRafone · 11/02/2025 09:20

It’s anecdotal and that’s all very quaint but doesn’t change the fact it wasn’t what was happening in the main

I'm 51 and I grew up by surrounded by women who didn't work full time. We were a completely average family in a very ordinary working class street ih the north west of England, new build (for the 70s) 3 bed semi. Many women in the street were SAHMs with husbands with normal jobs. Some of them worked cleaning jobs eg in the local school, to bring in extra money, or in the local shop, while their neighbours minded their kids free of charge. A few women had more professional jobs like nursing however I didn't know any of them who worked full time when their children were below teenage ages. There just wasn't the childcare system in place to do that.

I knew women who were more middle class than in my road. None of them worked either - their husbands' salary was enough for everyone. Some of them even had au pairs. I also knew women who were more working class. It totally depended what their husbands did/earned as to whether they would need to work. The only women I knew who had full time jobs did it out of necessity, because they were divorced and raising the kids alone. It was just expected that when you got pregnant you just left work when you had the baby.

DH grew up in a ver working class area, rows of terraced streets. His dad had jobs like mechanic, or foreman in a warehouse. His mum only worked part time in basic jobs. The rest of the street were very similar. The only woman i know working FT in around 1980 lived in London, didn't have any kids, and worked in a department store.

I've no doubt that a few kids were latch key kids with both parents working fulll time, but as I said, it was highly unusual. I find that a lot of older women tend to say "I've worked all my life" or "I've always worked." When actually many of them don't actually mean full time (once they had kids anyway)

cornflakecrunchie · 11/02/2025 22:45

@lazyarse123 Totally agree, I get so sick of the 'Boomer' insults. It was my parents & grandparents generations who did well. not my 'Boomer' generation! I've never even been on a plane, never mind done any jet setting! My pension is £30-£40 per month, too.

lifeonmars100 · 11/02/2025 22:46

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

Evening Kemi, surprised you have the time to post on here what with being the leader of the opposition and all that ...

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