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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think we shouldn’t have to contribute to soch if we don’t intend to use it?

737 replies

slozenger · 27/01/2026 22:03

For example, I don’t want a state pension - so I should surely be able to opt out of soch based contributions percentage. And just pay a lesser amount to cover anything I do take advantage of.

OP posts:
ProcrastinatorsAnonymous · 28/01/2026 10:40

If you want to go and live alone in the woods, then yes.

If you want to remain part of the wider society with all the security and benefits that brings - no.

Elbowpatch · 28/01/2026 10:42

Only came on here to find out what soch was. I’m a bit disappointed to find it’s just a word the OP made up.

Brefugee · 28/01/2026 10:43

slozenger · 27/01/2026 22:07

I think child based stuff should remain something we all provide for, to ensure low income families are not affected.

But for example a non NHS user who does not want a state pension should be able to opt out of soch payments imo.

nope.

Either you can opt in and out of things you don't use, or you can't.

You are saying "well i will never use a pension so i'm not contributing but anyone who is unable to have children must still contribute to schools for my offspring"

Consistency is key, but your idea is rubbish.

MrsJeanLuc · 28/01/2026 10:45

slozenger · 27/01/2026 22:13

It’s self explanatory

What planet are you on?

Answer the question. Wtf is soch?

Clychaugog · 28/01/2026 10:45

I really hate this attitude. 'I'm alright, Jack'

Happy to support others in society as wealth (or poverty) is mostly an accident of birth.

Gall10 · 28/01/2026 10:47

slozenger · 27/01/2026 22:10

Well I don’t really want to pay for that either as I won’t be having one so feels quite unfair.

Why not just say you’re voting reform?

MyDeftDuck · 28/01/2026 10:50

Elbowpatch · 28/01/2026 10:42

Only came on here to find out what soch was. I’m a bit disappointed to find it’s just a word the OP made up.

Have to admit, I was intrigued too Elbowpatch. It soon occurred to me that SOCH was a way of spelling the verbal abbreviation of Social ……’soshe’ might have been a clearer spelling but hey ho. Back in the day some folk used to call it ‘welfare’ but as with a lot of things, it is a regional thing.

But I’m now more intrigued by the declaration of self treatment by the OP…….yes, ok, so we can all mostly treat a scrape, cut, headache, rash,……..but once the big stuff starts playing up??? Bring on the professionals, there’s no way I’m repairing my own fractured neck of femur! 🤣🤣

MathiasBroucek · 28/01/2026 10:51

Rage bait?

Brefugee · 28/01/2026 10:51

hilarity bait, if you read all OPs posts.

ThePrecisionsifthisislove · 28/01/2026 10:54

MathiasBroucek · 28/01/2026 10:51

Rage bait?

Most definitely ..I won't use the NHS
I take it the crystal ball has been consulted.

iThinkYouAreWonderful · 28/01/2026 11:05

Sofado · 27/01/2026 22:09

The contributions you make to the state pension aren’t for you, though, they are to provide pensions for current pensioners. It’s part of the social contract that civilised countries are based on.

I have to say I really dislike the idea of this. I was not aware of this. Is this how it works? So with all the low birth rate, longer lives etc, our poor children will be shouldering the pensions of a much bigger aged population? Sounds miserable for them! We must do something!

IngridBurger · 28/01/2026 11:10

MyDeftDuck · 28/01/2026 10:40

Ok, so how are you going to treat a heart attack, stroke, or worse still, a cardiac arrest? 🤔🤔

TCP. As long as she's stockpiled enough.

Rayburn · 28/01/2026 11:11

SabrinaThwaite · 27/01/2026 23:47

I’m just amused at your inability to spot the piss being taken.

BlackCatDiscoClub · Today 22:57
'Soch' is in the Scottish dialect, its used as an exclamation for when you find out how much of your tax went on keeping pensioners alive

TOUcHE!

Soch can mean wheeze or gasp.

CautiousLurker2 · 28/01/2026 11:15

iThinkYouAreWonderful · 28/01/2026 11:05

I have to say I really dislike the idea of this. I was not aware of this. Is this how it works? So with all the low birth rate, longer lives etc, our poor children will be shouldering the pensions of a much bigger aged population? Sounds miserable for them! We must do something!

Yes - it’s been at the core of political discussion for about 10 years. It’s the reason Germany (well, Merkle) welcomed as many immigrants as they could get thinking it would mean more tax payers, more money in the pot, preservation of social services/pensions. The issue is that even with the declining numbers of young people we have now, there are already not enough jobs - or jobs people are willing to do that pay a living wage - and an expectation that we can just import people to ‘wipe bums’ as the Lib leader charmingly put it.

Long term, we are going to need to change the model as I can’t reconcile the idea that if my kids are lucky enough to get work, they will have to bank roll my generation with hideous taxes and may never get on the property ladder unless we fund it for them (we are fortunately enough that we will be able to do this - many of their friends/peers are less lucky).

I get where the [pension] model started in the late 1800s. I get the altruistic nature of a society that supports it’s elderly and vulnerable and want to be a part of a society that has these values… but at the end of the day it’s not something we can afford anymore. Along with no cap to child benefit and unending ever growing welfare bill. I have no idea what the answer is, but as with most things in life, if you can’t afford something, you have to accept to can’t buy it or gift it. And a government one day will have no choice but to be the one to utterly reform and curtail what we provide as a state. I suspect pensions will be one area of focus.

savemetoo · 28/01/2026 11:20

Can you imagine how complicated the system would get if people could opt in and out of paying for different things they did or didn't want to receive at any time. It would be an absolute nightmare.

QuinionsRainbow · 28/01/2026 11:30

slozenger · 27/01/2026 22:33

Ok the discussion is now finished! Stop

I hope ChatGPT understands the meaning of STOP - it could sound a bit like SOSH spoken with a mouthful of mushy peas.

BeesTreesSeas · 28/01/2026 11:31

PandoraSocks · 27/01/2026 22:27

🤣

😂😂😂

PandorasBoxers · 28/01/2026 11:32

slozenger · 27/01/2026 22:13

No I said that child based stuff should be something we all contribute to already.

You’re being ridiculous…of course you can pick and choose it’s just others that can’t.

weird you can’t see beyond yourself

goody2shooz · 28/01/2026 11:40

slozenger · 27/01/2026 22:10

Well I don’t really want to pay for that either as I won’t be having one so feels quite unfair.

Just emigrate to somewhere else then…if you can find somewhere semi ‘ civilised’ that only taxes you on the things you think are fair.

OMGtimes3 · 28/01/2026 11:41

Brainworm · 27/01/2026 22:24

I’m still stuck wanting to know what SOCH stands for. I can tell that it is referencing pensions, I’m imagining the SO might be ‘state occupational’ but no idea about the CH

It's taken me a while but I think the OP is using the term "Soch/Sosh" not as an acronym but as an abbreviation for "social"!

However you look at it though, she's talking complete and utter nonsense 😆

CelestialGazer · 28/01/2026 11:54

“A non NHS user”?

Your NI is being used to pay for the NHS in total and will, just by the nature of it, be predominately paying for the older and oldest age groups.

Fancy being total if you have a serious illness, say cancer, later in life being told “No, you’re an non-NHS user, so we won’t treat you, as you didn’t contribute when you could have done.”?

Womaninhouse17 · 28/01/2026 12:02

MissCooCooMcgoo · 28/01/2026 09:13

Lol, boomers.

Boomer - "non sensical opinion peddaled as sensible, reasonable idea"
Rest of the population- "your're talking out your arse"
Boomer - "wah wah wah wah nobody agrees with me, your all wrong" *tantrum throws self on floor flails arms and legs.

Why 'boomer' though? I don't think an entire generation agree with this nonsensical idea or behave in that way.

velvetgeranium · 28/01/2026 12:06

MissCooCooMcgoo · 28/01/2026 09:13

Lol, boomers.

Boomer - "non sensical opinion peddaled as sensible, reasonable idea"
Rest of the population- "your're talking out your arse"
Boomer - "wah wah wah wah nobody agrees with me, your all wrong" *tantrum throws self on floor flails arms and legs.

I'm curious. Are you planning to never grow older? Because at some point, if you do, you will be the age of this generation you revile. How will you enjoy being viewed in this way, simply because of some arbitrary demographic calculations used by marketers, a label, which you do seem to take immense pleasure from using pejoratively, and the randomness of your date of birth?

Womaninhouse17 · 28/01/2026 12:06

OMGtimes3 · 28/01/2026 11:41

It's taken me a while but I think the OP is using the term "Soch/Sosh" not as an acronym but as an abbreviation for "social"!

However you look at it though, she's talking complete and utter nonsense 😆

Took me ages to realise that too - mainly because you wouldn't pronounce 'soch' (short for 'social') to rhyme with 'gauche', which is what I presume OP meant.

BishyBarnyBee · 28/01/2026 12:07

Womaninhouse17 · 28/01/2026 12:02

Why 'boomer' though? I don't think an entire generation agree with this nonsensical idea or behave in that way.

Yes, no way is OP a boomer, they'd be too close to retirement to be so casual about not needing the state pension or the NHS.

No idea what either the OP or @MissCooCooMcgoo are going on about!

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