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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think that there is no hope here?

956 replies

Taxed · 28/07/2025 07:36

52.6% of UK individuals are reliant on the State (that is 35 million people). Only 47.4% are net contributors. How did we get here?

AIBU to think that the UK is now a declining economy that will never recover if this continues to be the case?

I am 49 and a high earner (just shy of the top 1%). My husband is also a high earner and we are thinking of leaving. We don't know where but we know we have to as the situation in the UK is getting worse not better. The only thing that is keeping us here is our son, who is still in secondary school. I am actively encouraging him to consider a future outside of the UK.

I genuinely feel that being ambitious and successful is not worth it in the UK. People hate you for it and want to see you penalised. They think that whatever you do to earn the money it must be easy and a breeze. That you are greedy and need to be made to pay for doing well. Just last week, I heard that the government might be thinking of implementing a charge, payable by high earners, to access the NHS. Everything is about taxing the already heavily taxed even more and few want to face up to the fact that this is unsustainable when you have most of your people relying on the State to live.

People complain about the immigrants but they make up a tiny proportion of 35 million.

I feel disliked for doing well and just can't see a future here and it is making me angry and sad. I believe in having a welfare state, in helping those who are in need but 52.6%? The country is on its knees when most of its people are in need. That is like a developing country not a developed and thriving economy.

Sorry for the long rant. I'm just tired, sad and have just about lost hope of enjoying life in the UK.

OP posts:
Thread gallery
8
telestrations · 28/07/2025 12:07

62.9% of UK population is working age, then within that group are working parents and the working poor. Only 3.4% of WA claim unemployment benefits.

Then where will you go?

I'm a big fan of emigrating for a bit in your 20s but unless you have a very specific and in demand set of skills most counties do not want the over 30-35s, and will tax you just as much

Fluffyhoglets · 28/07/2025 12:08

Taxed · 28/07/2025 11:05

It does not matter. It is unaffordable whoever it is. And if you think the solution to it being unaffordable is to tax people like me even more, then yes, the only option is to leave.

How do other counties compare in these two figures? And how do they achieve this?
Genuinely wondering if any are better when you weigh up things like having to pay for health care. Eg. USA
Or having no safety net - so people just die on the streets.

What countries have a better tax regime for the uber rich that UK?

Seldomseen · 28/07/2025 12:09

There are roughly 37 million people that are of working age in the UK. That's why the percentage of those with state support seems so high (children's free prescriptions/student council tax breaks etc). It doesn't mean we're a nation of scroungers. It means we have lots of young people and lots of elderly people.

Is the OP suggesting we widen the working age range and bring back child labour?

Statistics can be used to prove many things, but this post feels like a dog whistle.

FlowerUser · 28/07/2025 12:10

Taxed · 28/07/2025 10:57

You can insult as much as you like. You clearly are not getting the point. Even if it includes pensioners the problem is no less a problem. Whatever the constituent parts the problem is that the majority of adults are net reliant. That makes 35 million plus adults. Do you know how many of that are pensioners, probably about 1/3rd. Not all of these pensioners were net contributors in their lifetime.

Regardless, taxing the remaining 47% ever and ever more is not the solution. Penalising ambition is not the solution. Shouting and denigrating high income earners as dim, DailyMail readers, etc, etc is of no use because the problem remains whether I am dim or smart.

If we have more people who are pensioners (and that figure is set to rise by just under 2 million by 2035) we need more people to be net contributors for us to take care of our pensioners. The country needs more net contributors not less and taxing the existing net contributors ever more, will kill of ambition, cause people to move abroad and in the end will only lead to more people relying on the state.

So where are you going to go?

USA? Happy to see you enjoy the Trump lifestyle but you’ll pay a fortune for healthcare in premiums and co-pays that you don’t pay here.
Canada? They pay higher tax and it’s much colder.
Australia? Living round the edge of a scalding desert with men thinking women should be grateful.
South Africa? Loads of white people trying to leave, but I’m sure it will be fine for you.
Dubai? Really hot, nothing to do.
Europe? Great if you speak the language but much higher taxes.

People generally don’t leave the UK for long. We have terrific weather, free healthcare though you may have to wait, tolerance of different cultures, fantastic arts in terms of theatre, music, literary and music festivals, great science and engineering companies and a flourishing sarcastic sense of humour.

If you leave, you’ll be back. And if you’re not back, we’re grateful you’re not inflicting your presence on those of us who believe in this country and its people.

iseeu · 28/07/2025 12:13

@Taxed Another way of looking at the country is that it is pure mismanagement which has brought it to the state it is in. Terrible issues around education, literacy, maths competence for decades. Terrible culture of allowing kids to bring themselves up unsupervised for decades in many social groups in the UK. Terrible government policies, involving high policing in some respects but bringing with it no safety or security as other areas are not policed or well managed at all. All these things could be turned around with competent attention and it is people like you who could do this. Many if not most places are facing similar difficulties so if you moved you would probably find yourself similarly frustrated. Sorry to sound bleak! Bleak but at the same time positive about what could be done

Safaribar · 28/07/2025 12:14

Taxed · 28/07/2025 08:59

Did I say this was the unemployed rate? This is about people who are net reliant on the State. Some of these will be in employment. This comes from government source (the ONS) and from an independent study. You may choose not to believe it and keep your head in the sand. That is why the country will continue to slip into wide-spread poverty.

It's fine to attack me if that makes you feel better. However, that does not change the reality of things. Pretending this is okay or sustainable is what this country has been doing for years. Now, it has come to a point where the finances of the country is truly broken.

Imagine this, we've come to the point where the government is actively talking about increasing retirement age to 74 years and also the option of discontinuing the state pension altogether. This is what it is coming to. Everyone is being made worse off because 52.6% of our people are not contributing.

So to prevent future elderly people from losing a pension, you would have all the pensioners within the 52% currently go back to work or...? What exactly do you want to do? Have you got jobs people can go to? Would you rather euthanise them for the greater good?

Passtheduchess · 28/07/2025 12:17

Surely the real issue here is why half of all people need ‘state handouts’.
pensioners notwithstanding, it is utterly ridiculous that people in full time employment need universal credit or state help with childcare just in order to survive.
The lack of ability to get by because you do a job that is paid so badly you can barely make ends meet is atrocious.
Do you think that because people aren't bankers/lawyers/doctors/entrepreneurs/big business employees that they work less hard?
Do you understand that if everyone could/chose to do the type of jobs that would make them ‘rich’ society would completely break down because there would be noone collecting bins/mending roads/looking after nursery age children/cleaning work spaces and peoples homes/working in pubs or restaurants or cafes where richer people like to eat…the list goes on.
I dont think you work any harder than a single parent (or even two lower paid parents) with two jobs and working a 50/60 hour week whilst also trying to parent well and STILL needing help from universal credit in order to just scrape by.
The true issue is the disparity in wage that keeps some people at the bottom in jobs not valued by society (though patently absolutely essential to the ability for the richer ones to function in it) whilst others can have a lovely life whist sitting and congratulating themselves because they are clearly superior in high paid jobs.
its disgusting, really, the way our society ‘functions’

footiego · 28/07/2025 12:18

It's inevitable with an ageing population that we have a higher % of people reliant on the state. What do those moaning suggest we do with pensioners?

User135644 · 28/07/2025 12:18

If you can leave then get out of here before the collapse. Sadly most people in Britain are poor or skint and don't have the options to just up and leave. Brexit and language barriers make it tougher as well.

The rot set in with Blair and 30 years of disastrous policies.

usedtobeaylis · 28/07/2025 12:18

What is the obsession with being a net contributor?

Many people receiving benefits are in work. The simple fact is that wages are too low, rents are too high, and the government subsidises the wealthy businesses and property owners that pay the low wages and charge high rents.

Tired43 · 28/07/2025 12:20

In expensive areas ,the landlords are charging a lot more ,and the benefits system is making up the difference.
I read something somewhere about , basically the benefits are being paid to the rich landlords ,so it suits the government to keep house prices high .
If benefits on housing were massively capped,it would bring down the costs of rent .
But only the wealthy are landlords,like most of parliament,so it's a free handout to the rich .
I don't know if I've explained myself very well.but it sounded much better when I read it ,to when I've tried to explain it

Nosleepforthismum · 28/07/2025 12:20

Well you are a high earner OP because your company can afford to pay you lots of money as it is profitable. I’m assuming that lots of its profit is made from other employees on less generous salaries that may even have to depend on the state to help with their living expenses. In theory, the company could pay all its employees enough to not be state reliant, earn less profit but your salary may also decrease in this instance. You can moan all you like about the tax you have to pay but the state-reliant people you begrudge being supported are probably also the people that effectively allow you to be paid what you are.

Safaribar · 28/07/2025 12:20

Quirkswork · 28/07/2025 11:09

Why shouldn't she? She should get as much as she can out. She's paying enough taxes.

Because then she'd be a hypocrite, included in the 52%

MyNameIsX · 28/07/2025 12:21

FlowerUser · 28/07/2025 12:10

So where are you going to go?

USA? Happy to see you enjoy the Trump lifestyle but you’ll pay a fortune for healthcare in premiums and co-pays that you don’t pay here.
Canada? They pay higher tax and it’s much colder.
Australia? Living round the edge of a scalding desert with men thinking women should be grateful.
South Africa? Loads of white people trying to leave, but I’m sure it will be fine for you.
Dubai? Really hot, nothing to do.
Europe? Great if you speak the language but much higher taxes.

People generally don’t leave the UK for long. We have terrific weather, free healthcare though you may have to wait, tolerance of different cultures, fantastic arts in terms of theatre, music, literary and music festivals, great science and engineering companies and a flourishing sarcastic sense of humour.

If you leave, you’ll be back. And if you’re not back, we’re grateful you’re not inflicting your presence on those of us who believe in this country and its people.

An utterly naive post.

As a non-resident, you simply need to comply with the SRT, meaning you are permitted 90 days in the UK within any given tax year. I know because I did it for six years, and believe me, 90 days in sufficient….

One can enjoy the summer in the UK, and then get the hell out.

MrsSlocombesCat · 28/07/2025 12:22

A huge proportion of people have to be topped up by the government because they don't earn enough to live on. It's the employers who need to pay living wages. I have a friend who earns a huge salary as manager of a company that makes things for the government. So in a sense people like him are reliant on the government too. They need to do an audit on the money that goes out. It's not just about benefits.

footiego · 28/07/2025 12:23

The rot set in with Blair and 30 years of disastrous policies.

wage stagnation, selling off council housing, privatisation started under thatcher.

Jennps · 28/07/2025 12:23

Rosscameasdoody · 28/07/2025 10:22

Agree. It’s depressing how often this is dragged out on benefit bashing threads. Allow me to refresh it for them, and for anyone else falling for this ableist nonsense.

Motability is a scheme which has been running since the 1980s. It leases vehicles to the most severely disabled people who qualify for the higher rate mobility component of personal independence payment - a disability benefit, which despite MN’s distorted opinion is one of the hardest benefits to claim. The mobility allowance incorporated into the various disability benefits since then - most recently PIP and child DLA, replaced the system of vehicles provided for the disabled - blue three wheel robin reliant type jobs which meant the driver went everywhere alone and was identifiable as disabled. The vehicles were unreliable, costly to provide and maintain and isolated the drivers.

The tax payer has no input into the provision of motability cars beyond the usual disability exemptions which would also apply to eligible disabled people buying a car privately - VED, VAT exemption and where appropriate import duty. The cars are bought and paid for by motability, which is a private concern overseen by the motability charity which provides funding for adaptations and other essentials for those who would otherwise not be able to meet the advance costs - it’s strictly controlled.

The lease is over three years or five, depending on the cost and extent of the adaptations needed - for example ramps for wheelchairs, alternative driving controls. It includes servicing, maintenance/repairs and insurance. And it’s paid for by the claimant handing over most or all of their mobility component for the lease period. At no point is the car ever the property of the claimant and it’s handed back at the end of the lease period and sold on by motability.

It’s important to remember that the higher rate mobility component is paid to all eligible claimants, regardless of whether they use the scheme or not, so it’s not costing the tax payer any more for any claimant who does use it. Currently 37% of PIP claimants are higher rate mobility recipients, and only 36% of those recipients use the scheme - many aren’t eligible because they don’t have the minimum three year benefit award needed to meet the terms and conditions of the scheme. Oh, and motability doesn’t account for a quarter of the new car market - it’s actually below one fifth.

So before anyone starts banging on about ‘free cars’ they would do well to ask themselves whether it’s just the provision of the cars they object to, or the allowance itself. Because in my experience of over twenty years as a disability outreach worker, most people who aren’t familiar with how these things work will say they’re in favour of the mobility allowance, but not the provision of a car even when it’s pointed it to them that the car isn’t costing any more to the tax payer than the payment of the qualifying benefit. Which is totally illogical and highly suggestive of envy. So do you also envy the disability or is it just the ‘free car’ ? Because without the former, the latter doesn’t happen.

Edited

So a free car then.

Could’ve said that without the word salad.

WhySoManySocks · 28/07/2025 12:24

Bon voyage, OP. Good luck in Israel or wherever. Do write back to let us know how you’re getting on.

the7Vabo · 28/07/2025 12:26

I find myself frustrated at your posts OP. You are more than comfortably off, almost in the 1% yet you are “tired and sad”.

I earn fairly good money. I significantly more than my friend who is a nurse manager. But her job contributes to society in a way that mine never will.

The guy stacking shelves in Tesco probably does more for society on a day to day basis than someone paid £100k working as a consultant for one of the jazzy firms.

Yes, the level of benefits needs to be looked at asap. But your post is completely OTT.

MrsSlocombesCat · 28/07/2025 12:29

Tired43 · 28/07/2025 12:20

In expensive areas ,the landlords are charging a lot more ,and the benefits system is making up the difference.
I read something somewhere about , basically the benefits are being paid to the rich landlords ,so it suits the government to keep house prices high .
If benefits on housing were massively capped,it would bring down the costs of rent .
But only the wealthy are landlords,like most of parliament,so it's a free handout to the rich .
I don't know if I've explained myself very well.but it sounded much better when I read it ,to when I've tried to explain it

Benefits on housing ARE capped. In my area they use Local Housing Allowance, a figure per size of house. At the moment the LHA is much lower - the average rent for a 2 bed private rental is £1100 but the LHA is £944.

Extravirginolive · 28/07/2025 12:29

Quirkswork · 28/07/2025 11:46

We don't know if it would have been a deterrent as Labour cancelled it before the first plane took off. Strange decision by Sunak to call the election at that time really.

It was already working as a deterrent as people were diverting to Ireland.

Winter2020 · 28/07/2025 12:29

I think the disincentives to work and earn (more) are present at every level.

I earn 24k. My husband also works so that is not the only wage coming into my house.

Our household would benefit from us bringing home a little more but myself and my husband work at different times around our younger son who has special needs.

The time I could look at getting more work is during the school day 2 days each week. But wraparound care is patchy and when available 2 hours after school care is equivalent to 2 hours of minimum wage so after paying my deductions I would be paying to work for those hours.

I am left with 9:30-2:30 so a 5 hour shift. If I could find something covering those hours at minimum wage (12.21) I would earn £61.05 before deductions. After tax, national insurance and student loan (having already used my tax free allowance in my main job) I'd probably be left with £40.

So far I haven't felt that earning £40 for a day does not balance out the extra stress of losing my housework and downtime and knowing I will have to let my employer down if my son is sick.

What I am getting at is I don't think people consider if someone already earning a low wage, let's say £12.50 does an hours overtime after tax, national insurance and student loan repayments they could be left with £7.50 for an hour.

Someone earning £100 an hour even with a deduction rate of 80% would still be taking home £20. And many people earn much more than £100 an hour of course.

Many people are doing the "is it worth it" calculation and figuring that long hours and overtime are not worth it and that's before you factor in people that get universal credit to top up their wage (reducing the incentive to work more further) or people that lose their child benefit/personal allowance or free childcare hours by working more.

Where thresholds exist whether that is hitting the personal allowance limit for tax or hitting 100k and losing the personal allowance people close to the threshold will change their behaviour to stay below them. I gather people with little kids can find it not worth having a pay rise or even harmful to have one between 100k - 120k as they lose more than they gain. A lot of people would rather work a 4 day week and keep the personal allowance and free childcare. I would guess most people earning 100k are pretty savvy and won't be busy fools.

Faithless12 · 28/07/2025 12:30

There is a difference between being a net contributor and relying on the state. To be a net contributor you need to be paying £17,000 a year per dependent. When I was earning less I didn’t pay that much in taxes but didn’t get any benefits whereas @Taxed is suggesting you are one or the other from the OP.

MyNameIsX · 28/07/2025 12:31

The top one per cent pay 30 per cent of all income tax revenues: a higher share than at any time in past twenty years. In other words, three in every ten pounds that the government receives in income tax is paid by just over 300,000 individuals.

And the Lefties are simply too stupid to see this. Utter imbeciles.

Let them own it.

User135644 · 28/07/2025 12:32

usedtobeaylis · 28/07/2025 12:18

What is the obsession with being a net contributor?

Many people receiving benefits are in work. The simple fact is that wages are too low, rents are too high, and the government subsidises the wealthy businesses and property owners that pay the low wages and charge high rents.

Edited

While importing millions of people every year primarily to keep wages low and rents high.

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