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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:
NoMoreLifts · 28/01/2026 12:09

slozenger · 27/01/2026 23:19

Why would I get hit by a car? Realistically that would not happen .

It literally happens every day. People don't actively seek it out.

KoiTetra · 28/01/2026 12:10

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.

That is the whole point of the way our society works though. How would the system work if all high earners decided to opt out of the NHS and pensions. There wouldn't be enough left in the pot for those who have chosen to use it.

You would then end up in a situation where other taxes are increased to cover the short fall.

Ultimately all it would do is create a bureauocratic mess that costs more to administer.

Crikeyalmighty · 28/01/2026 12:11

Nope, we would be getting into pick and mix individual systems which would be a nightmare to administer -

AllTheChaos · 28/01/2026 12:11

slozenger · 27/01/2026 22:53

Well I defiantly am a net contribution because I earn over 17k

It’s not earn more than £17k, it’s pay more than £17k in tax annually. Which not a lot of people do.

ProcrastinatorsAnonymous · 28/01/2026 12:12

velvetgeranium · 28/01/2026 12:06

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?

You misunderstand. Boomer is about a specific generation with specific expectations and attitudes - not about the age of the people. A Millennial can't age into Boomerism, as they haven't grown up with their advantages.

AllTheChaos · 28/01/2026 12:13

slozenger · 27/01/2026 22:56

Well obviously I have if I’m 4 years away from retirement? ARENT I !!!

How does that make a difference? It’s still unlikely you’ve paid as much as you’ve cost, unless you’ve been a higher rate taxpayer you’re entire working life?

Unpaidviewer · 28/01/2026 12:14

velvetgeranium · 28/01/2026 12:06

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?

Did you miss all the articles written about us millennials in the early 2000s? Work shy, financially irresponsible, eat too much avocado on toast... and those views are still held by many today. Same goes for gen z now. Theres been loads of posts on here about how entitled they are, terrible to work with etc. We are used to it so I'm sure this poster won't be bothered in the slightest.

velvetgeranium · 28/01/2026 12:17

ProcrastinatorsAnonymous · 28/01/2026 12:12

You misunderstand. Boomer is about a specific generation with specific expectations and attitudes - not about the age of the people. A Millennial can't age into Boomerism, as they haven't grown up with their advantages.

Oh, is it a hive mind thing? Or more like fungi? I wasn't aware all people born in the same 15 years at any given time all thought and experienced and lived the same way.

Funny of you to imagine your stupid advertising demographic will be treated well when you age.

Mochudubh · 28/01/2026 12:22

I think OP has been on the Scotch.

Or as we used to call it around here, The Broo.

ProcrastinatorsAnonymous · 28/01/2026 12:30

velvetgeranium · 28/01/2026 12:17

Oh, is it a hive mind thing? Or more like fungi? I wasn't aware all people born in the same 15 years at any given time all thought and experienced and lived the same way.

Funny of you to imagine your stupid advertising demographic will be treated well when you age.

I think you understand the concept perfectly well and know it doesn't refer to every individual. But yes - generational attitudes are indeed shaped by a shared economic and social environment.

The second world war would be a good (albeit extreme) example. Did every individual have the same wartime experience? No. Was the generation still shaped overall by it, leading to attitudes that made the creation of the NHS possible? Yes.

Similarly - has every boomer enjoyed the benefits free access to higher education and a housing market that rewarded them with decades of appreciation - unearned wealth that they attribute to "sensible choices"? No. But enough of them have experienced this overall that it shapes the general attitudes and voting patterns of their generation - leading to a situation in which the NHS has been allowed to crumble.

Hope that clears it up.

Blondiebeachbabe · 28/01/2026 12:42

This is like people who don't have kids, moaning that women get Mat leave and SMP, and free education for their kids, and how that's "not fair" because they don't get those things, as they are childless.

They conveniently forget that women with children usually take career breaks or go part time, meaning a huge loss of earnings and a much depleted pension. They raise the next generation, so that when said complainers (who never had kids) hits old age, there will be a good supply of doctors, nurses, pharmacists, ambulance drivers, carers etc - because the women who had kids supplied the next generation of people!! And at great financial sacrifice, not to mention the physical sacrifice of numerous pregnancies and births!! And all without any bloody thanks.

Balloonhearts · 28/01/2026 12:44

Well I don't think its fair for childless people to have to contribute to other people having children they can't afford but that's the way it is. You can't pick and choose. Get over it

Salvadoridory · 28/01/2026 12:47

I am in the UK for a week but live elsewhere and dont pay tax. I doubt i will live here again unless access to decent private healthcare becomes easier. I have just been for a manicure, there were 4 other women in there and a stream coming in and out for the sunbed and I am fairly certain none of them would be using money other than benefits to pay. I dont really object because I think the social services and education system seem to just perpetuate damaged and neglected children having child having children and there's no point in forcing people to work. I would happily contribute any amount to supporting families and funding sure start type things and the creation of a strategic, apolotical plan to break these destructive cycles and abusive authorities but thats not going to happen so I am glad I dont pay tax.

MrsSlocombesCat · 28/01/2026 12:52

AllTheChaos · 27/01/2026 22:40

And what about if you start costing more to run? The whole point is you cannot know if you want ll or not, and if you start costing more the taxpayer will cover it. Social contract - we won’t leave you to die in a gutter if you get sick and lose your job. I bet Bezos won’t be getting a UK pension, does that mean Amazon should get a tax discount?!

I thought they already did.

MrsSlocombesCat · 28/01/2026 12:55

CautiousLurker2 · 28/01/2026 11:15

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.

Edited

If only they could raise more tax revenue. Like, taxing corporations for example. But they can’t do that can they?

Blondiebeachbabe · 28/01/2026 12:56

Balloonhearts · 28/01/2026 12:44

Well I don't think its fair for childless people to have to contribute to other people having children they can't afford but that's the way it is. You can't pick and choose. Get over it

But when you are elderly, you need to access lots of services. My 84 year old Dad has carers in 4 times a day, he takes loads of medication every day (needs a pharmacist and a GP for that), he regularly calls an ambulance (need someone manning the 999 calls, need an ambulance driver, see a Doctor at the hospital) etc, etc.

If women stopped having children, then when you are 85, there won't be anyone to care for you.

When you are 85, and you are needing significant help to survive, the people helping you will be the people that were born, say 25-50 years ago, whose mothers took pay cuts, lost pensions etc to raise that generation. You ought to be thankful that they did that, not resentful that you helped (in a much smaller way) to pay for that generation existing.

MrsSlocombesCat · 28/01/2026 12:56

Salvadoridory · 28/01/2026 12:47

I am in the UK for a week but live elsewhere and dont pay tax. I doubt i will live here again unless access to decent private healthcare becomes easier. I have just been for a manicure, there were 4 other women in there and a stream coming in and out for the sunbed and I am fairly certain none of them would be using money other than benefits to pay. I dont really object because I think the social services and education system seem to just perpetuate damaged and neglected children having child having children and there's no point in forcing people to work. I would happily contribute any amount to supporting families and funding sure start type things and the creation of a strategic, apolotical plan to break these destructive cycles and abusive authorities but thats not going to happen so I am glad I dont pay tax.

That’s such a shame.

monkeysox · 28/01/2026 13:00

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.

This person has an accident. Private health care doesn't have a and e. They're fucked.

whynotwhatknot · 28/01/2026 13:06

did op say why would i get hit by a car

do you live in venice?

BishyBarnyBee · 28/01/2026 13:08

Salvadoridory · 28/01/2026 12:47

I am in the UK for a week but live elsewhere and dont pay tax. I doubt i will live here again unless access to decent private healthcare becomes easier. I have just been for a manicure, there were 4 other women in there and a stream coming in and out for the sunbed and I am fairly certain none of them would be using money other than benefits to pay. I dont really object because I think the social services and education system seem to just perpetuate damaged and neglected children having child having children and there's no point in forcing people to work. I would happily contribute any amount to supporting families and funding sure start type things and the creation of a strategic, apolotical plan to break these destructive cycles and abusive authorities but thats not going to happen so I am glad I dont pay tax.

You come from a wealthy country where you pay no tax but chose to have your manicure somewhere frequented by benefits claimants?

BloominNora · 28/01/2026 13:09

slozenger · 27/01/2026 22:13

It’s self explanatory

Acronyms are only self explanatory if you use the correct form.

I thought you'd misspelled "such" but with this reply I assume you mean SoCH (Social Care and Health) - which isn't exactly an acronym that is in everyday parlance!

UncannyFanny · 28/01/2026 13:13

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.

Some people won’t be having children either. They might not to pay for child based things.

Longtimelurkerfinallyposts · 28/01/2026 13:19

Salvadoridory · 28/01/2026 12:47

I am in the UK for a week but live elsewhere and dont pay tax. I doubt i will live here again unless access to decent private healthcare becomes easier. I have just been for a manicure, there were 4 other women in there and a stream coming in and out for the sunbed and I am fairly certain none of them would be using money other than benefits to pay. I dont really object because I think the social services and education system seem to just perpetuate damaged and neglected children having child having children and there's no point in forcing people to work. I would happily contribute any amount to supporting families and funding sure start type things and the creation of a strategic, apolotical plan to break these destructive cycles and abusive authorities but thats not going to happen so I am glad I dont pay tax.

what a heartwarming fairy story, about the power of trickle-down economics and the many mani-pedi-curists who are being kept in business thanks solely to the Great British benefits system...

HTF can you be so smugly certain that all these women are using 'benefits' to pay for their treatments? As you don't live in the UK, perhaps you are unaware of (a) how low the payments are & (b) the fact that between a third and half of those claiming Universal Credit payments are in work, just paid incredibly badly.

---
In other news, I've just been investigating the TCP Shortage mentioned by the OP. It's rumoured to still be available online/ in certain shops in Northern Ireland. And may be back in the shops in April....

LadyLaLaLand · 28/01/2026 13:24

Blondiebeachbabe · 28/01/2026 12:42

This is like people who don't have kids, moaning that women get Mat leave and SMP, and free education for their kids, and how that's "not fair" because they don't get those things, as they are childless.

They conveniently forget that women with children usually take career breaks or go part time, meaning a huge loss of earnings and a much depleted pension. They raise the next generation, so that when said complainers (who never had kids) hits old age, there will be a good supply of doctors, nurses, pharmacists, ambulance drivers, carers etc - because the women who had kids supplied the next generation of people!! And at great financial sacrifice, not to mention the physical sacrifice of numerous pregnancies and births!! And all without any bloody thanks.

This argument is always being trotted out. Because, OF COURSE, the reason you had kids was to contribute to the future of our society 🙄. Are you going to be encouraging your kids to do those jobs? Become a carer for example?

No. Thought not.

And “ambulance driver” is not a job.

Blondiebeachbabe · 28/01/2026 13:26

Longtimelurkerfinallyposts · 28/01/2026 13:19

what a heartwarming fairy story, about the power of trickle-down economics and the many mani-pedi-curists who are being kept in business thanks solely to the Great British benefits system...

HTF can you be so smugly certain that all these women are using 'benefits' to pay for their treatments? As you don't live in the UK, perhaps you are unaware of (a) how low the payments are & (b) the fact that between a third and half of those claiming Universal Credit payments are in work, just paid incredibly badly.

---
In other news, I've just been investigating the TCP Shortage mentioned by the OP. It's rumoured to still be available online/ in certain shops in Northern Ireland. And may be back in the shops in April....

That's quite an assumption to make isn't it? If I go to the salon, it'll be a week day. This is because I'm self employed, I can pick and choose when I work, and I prefer the salon on a quiet week day, rather than on a busy Saturday. I don't claim any benefits because my business pays me well.