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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Not an ordinary working person if you earn over 45k

1000 replies

TesChique · 02/11/2025 15:50

Disincentivising anyone to strive to earn over 45k a year is a bizarre strategy for growth i feel

Aibu?

OP posts:
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16
Biker47 · 03/11/2025 16:47

KimTheresPeopleThatAreDying · 02/11/2025 17:41

Thanks ☺️ I hate this misconception that if you work hard, you earn a lot, and if you don’t earn much, it’s because you don’t work hard (or aren’t clever, or don’t try). My DM worked her arse off and never made more than minimum wage.

Just because someone says they work hard for what they have/get, doesn't mean they are saying or subtly implying anyone who has less than them isn't working hard, majority of people know certain poorly paid jobs are anything but easy, happy to help.

RubySquid · 03/11/2025 16:57

TightOnes · 03/11/2025 16:46

If we were to divorce (which we won't) don't I get 50% of the martial assets etc? 50% of the pension?

Maybe Bit its not related to tax paid

You get women who never work a day of their marriages. If they divorce they tend to get a far bigger share. Its like reward for being idle

Allisnotlost1 · 03/11/2025 17:02

TightOnes · 03/11/2025 16:03

I do think we are better, yes.

We are already paying the vast majority of taxes in the UK. The Labour philosophy is the typical take money from those that work hard and give it to those that don't. We pay enough taxes.

Education is fine all my kids went to a good state grammar and then on to top unis. Health has always been shit. The NHS is a state-run mess and a waste of money. We're with BUPA thankfully.

By your logic then, I’m better than you, and my partner is better than yours - all because we pay more tax? The posters you’ve insulted here because they earn 30k, they’re better than you. Your kids’ state school education is a benefit you took advantage of, despite your delusions of grandeur. Could you not afford private school for them? You’ve insulted other mothers who receive help or earn a low wage, or who work part-time to care for their kids. Yet by your logic you’re no better. A low earning, part-time working woman who takes state benefits she qualifies for.

People in glass houses…

MushMonster · 03/11/2025 17:06

TightOnes · 03/11/2025 16:10

Which makes me wonder why don't labour just do the vote winner and go after "millionaires and billionaires"?

That is a good question indeed.
We do need enterprenaurs with capital for growth, but we do not really need any millionaires that avoid paying taxes or that have ridiculous amounts of money stuck away. The capitalism distribution has become extremely top heavy, which is not sustainable. And what we are experiencing, in my eyes, is the death of the middle class bracket. The middle class is being squeezed out of each penny into the just making it to month end bracket, into the estate school only, no holidays abroad, no hobbies, cheap cars, rubbish healthcare..... bracket.
Money needs to make it back to the bottom of the pyramid. But the greedy top is squeezing it out of the middle class instead of parting with some of their millions and billions.

TightOnes · 03/11/2025 17:07

RubySquid · 03/11/2025 16:57

Maybe Bit its not related to tax paid

You get women who never work a day of their marriages. If they divorce they tend to get a far bigger share. Its like reward for being idle

Edited

I did raise all my beautiful DC (who I have encouraged to work hard in life) I wasn't idle and doing nothing.

nearlylovemyusername · 03/11/2025 17:13

I asked my DD why so many in her NHS team are PT, around 50%, she said its childcare, stress of caring for people and dealing with families who quite often are not nice.

Oh yes, that's my favorite one. I posted several times here a post by a midwife who works part time and gets UC on the top. She received salary increase so her UC would be reduced. She's cutting hours instead, so would be working less for the same money because our taxes allow her to do so. Sorry can't be bothered to find the link now.

stress of caring for people and dealing with families who quite often are not nice - these are healthcare workers saying?? OMG

I bet their attitude would change if UC wasn't paid unless FT.

Do you ever think why we have just under 1m of legal immigration here?

OonaStubbs · 03/11/2025 17:18

Maybe people should be taxed based on how much they earn per hour rather than how much they earn in total?

MushMonster · 03/11/2025 17:27

Alexandra2001 · 03/11/2025 16:11

Quite, we've low productivity because workers get paid peanuts, working hard to stay poor and struggle.

Someone on NMW will be paying in rent 50% to 75% of their take home wage in most parts of the UK.

Yes, that is not a liveable wage. Then UC can top it up, which takes from taxes.
Anyone working full time should receive a full liveable wage. Then, as you progress through the range of skills and knowledge you build on that upping the wage. On a healthy economy, we should not need to spend taxes on topping up full time workers rents and income.
Benefits should be for those ill, disabled or temporarily out of work.
Some people say that money gets taken from those who work hard to pay for those who do not work, but I do not agree. The economy, both UK and internationally, has many problems that governments keep ignoring, dragging down the line or making worst. They are not sorting basic issues like sensible wages, sensible house prices, re-structuringvthe NHS to make it workable, stop wasting millions from the NHS and council budgets on private companies and so on. So they keep pouring money into their pockets. Shuffling the crumbs amongst those in the working and middle class (now demoted) and trying to play one group against the other.
I just hope people open their eyes, they come together and they claim the value that they should be getting from their taxes.

And the issue with productivity. I do not see this clear at all. I think it has to be with stupid complexity of processes, rather than the workers themselves. As I do see people around me working hard day and day out. So if they work is less productive it must have to do with some other factors. Today, to do anything, you need like 20 emails. You are supposed to be working on the ground and checking your emails at the same time. Hierarchies are a bit lost and instead of instructions from one person, now you can easily get 3 or more, which just makes you confused. Many office jobs mean you have multiple inboxes to follow, why just why?

MushMonster · 03/11/2025 17:35

@nearlylovemyusername
I have asked myself why UK has around double the intake of legal yearly migration since Brexit indeed? I just saw a graph posted here in MN where it clearly doubled since the year Brexit came into action. And I have to wonder why indeed?
Also, I know many legal migrants are skilled doctors or nurses, I always thought UK was not educating and training enough of them, and I have heard of the plans to encourage more students to take on medicibe. But then there are threads here where people claim to have difficulties finding jobs in medicine, for example. It makes zero sense. It does not add up to me.
There are some graphs here, for reference https://www.channel4.com/news/factcheck/factcheck-the-conservatives-and-labours-records-on-legal-migration

FactCheck: the Conservatives’ and Labour’s records on legal migration

Net migration is down 10 per cent - but still near a record high.

https://www.channel4.com/news/factcheck/factcheck-the-conservatives-and-labours-records-on-legal-migration

Chinsupmeloves · 03/11/2025 17:46

After a long stint in a professional career you would be earning this or many places if you work your way up.

Lollylucyclark101 · 03/11/2025 17:48

TesChique · 02/11/2025 15:50

Disincentivising anyone to strive to earn over 45k a year is a bizarre strategy for growth i feel

Aibu?

£45k is nothing. Together we earn £47k a year and we barely get by. It’s less than £3200 a month in our pocket.

add up rent and bills and we barely get £200 a month on food!

angela1952 · 03/11/2025 17:51

TesChique · 02/11/2025 15:57

45k is apparently being used as the internal benchmark in gvmnt to keep to their "no tax increases for working persons" pledge. The directive in the treasury is to find ways to extract more tax from anyone earning above

My single parent DD is going to be really pissed by this, she earns more and is already struggling.

catlover123456789 · 03/11/2025 18:08

Another tax on Londoners. What you can buy/rent on 45k varies massively depending on where you live. They never take this into account.

A London police officer earns £47,475 pa after 3 years, and you're telling me they are not a "working person"?! Its ridiculous.

I used to think I was doing quite well but certainly not wealthy, not compared to the people living nearby, now I'm wondering if I am massively out of touch and a privileged AH. What I know for sure is that my wages are being sucked dry by taxes and costs.

Biker47 · 03/11/2025 18:09

CheeseChamp · 02/11/2025 19:06

It really surprises me how people on 45k+ dont want to contribute more tax. The country is going to the dogs for myriad reasons and we all need to contribute more. Happy to pay a couple of percent more to get a decent functioning country again after it was destroyed by tories. You realise the extra would only be put on any earnings above 45k? I have had enough of all this. I hope they do it. Raise it by 5%, bring it on. Clean the streets, funding for children, mental health, elderly care. Why are we all so happy to be eeking out our lives in this miserable way, clinging on to a few extra pounds? Get a grip.

I'm already paying 5 times the tax and national insurance of someone on full time minimum wage, and nearly double what someone on £45k pays, and you have the gall to say I should be happy about paying more, well for one thing I have zero faith it will go to producing a functioning country, it will be eaten up by waste and debt repayments, so they can go fuck themselves if they thinking I'm forking out even more for this shithole of country, everything in my power through avoidance will be done to make sure any tax increase that happens in this budget, does not effect me in the slightest.

bloodypowerbi · 03/11/2025 18:11

45k isn't a lot. Which is why people earning less than that should be the last people to be taxed more.

MyLimeGuide · 03/11/2025 18:14

OnlyMabelInTheBuilding · 03/11/2025 10:00

I don’t work so other people can have a nice time.

What?!!! How dare you expect to keep your hard earned money for yourself to live a comfortable life??!

Snakebite61 · 03/11/2025 18:15

TesChique · 02/11/2025 15:50

Disincentivising anyone to strive to earn over 45k a year is a bizarre strategy for growth i feel

Aibu?

45k is a fortune to me. Consider yourselves lucky. You obviously don't give a toss about the poor.

GlitteryRainbow · 03/11/2025 18:16

ClassicalQueen · 02/11/2025 16:11

A classroom teacher with a few years under their belt earns about £45k. It’s not a small salary but it’s certainly not rich or a high earner.

I was shocked to discover that my ex-husband earns £180,000 (I won't get into the how annoyed I am I don't see a penny of it, when it's thanks to me he can earn that much). Those are the people you want to be getting more tax out of. They have much more to spare, especially if not contributing to their kids.

MyLimeGuide · 03/11/2025 18:16

OonaStubbs · 03/11/2025 17:18

Maybe people should be taxed based on how much they earn per hour rather than how much they earn in total?

What difference would that make?

OonaStubbs · 03/11/2025 18:18

MyLimeGuide · 03/11/2025 18:16

What difference would that make?

It would disincentivize only working part time to save paying more tax.

Genevieva · 03/11/2025 18:18

TesChique · 02/11/2025 15:57

45k is apparently being used as the internal benchmark in gvmnt to keep to their "no tax increases for working persons" pledge. The directive in the treasury is to find ways to extract more tax from anyone earning above

Since when? They didn’t say this in their election manifesto. £45K covers most professions once you’ve stuck at it for a decade and maybe taken the odd promotion as rewards for your hard work and expertise. Teachers, nurses, policemen etc. Core Labour voters.

MyLimeGuide · 03/11/2025 18:19

Snakebite61 · 03/11/2025 18:15

45k is a fortune to me. Consider yourselves lucky. You obviously don't give a toss about the poor.

Not lucky. Hard working and successful. Why should this be penalised?

BooBooDoodle · 03/11/2025 18:19

ILoveHolidaysAbroad · 02/11/2025 15:54

Have I missed something? Most people I know earn over £45k

I don’t. I’m still off 30k as a TA and admin in a school. Lucky my DH earns a lot more.

Bumblebee72 · 03/11/2025 18:20

MyLimeGuide · 03/11/2025 18:19

Not lucky. Hard working and successful. Why should this be penalised?

The harder I work the luckier I get, as the saying goes.

MyLimeGuide · 03/11/2025 18:21

Bumblebee72 · 03/11/2025 18:20

The harder I work the luckier I get, as the saying goes.

A good saying! 💯

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