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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:
slozenger · 27/01/2026 22:41

YouLookLikeStevieNicks · 27/01/2026 22:40

Based on the fact you're calling it sosh, I'm guessing you're at an age where you don't have many years contributions left, so I wouldn't get worked up about it.

Unless you're expecting a refund?

I have 4 years left. Begrudgingly

OP posts:
wiffin · 27/01/2026 22:41

slozenger · 27/01/2026 22:39

I’m from the part where they make the best tea.

Cornwall? They grow actual tea. Unlike some counties who just name the tea after themselves.

SouthernNights59 · 27/01/2026 22:42

BlackCatDiscoClub · 27/01/2026 22:14

It sounds like you need to live on an island on your own. In society we contribute. I pay money towards the police even though I haven't had to call them. I pay money towards the fire service even though I've never needed them. I pay money towards road maintenance even though I dont own a car and mostly travel by train. Maybe one day I'll need the police or the fire service, but in the meantime I'm really glad I'm paying towards something that helps other people.

Exactly this. I am the same, in addition I don't have children and I've never had any hospital treatment (I'm 66) however I don't think I'm entitled to receive a refund for services not used. We all should contribute to society without thought to what we get out of it.

YABVVVVVVVVVVVVU OP, and if this is how you wish to live then go find that island.

YouLookLikeStevieNicks · 27/01/2026 22:43

slozenger · 27/01/2026 22:41

I have 4 years left. Begrudgingly

So you've paid in all these years incase you needed a state pension. Now you're 4 years away from retiring and you realise you don't need it, you want your money back.

Jesus christ I've heard it all now. Just off to ring my car insurer. I didn't have a crash last year so I'd like a refund please.

Feteaccompli · 27/01/2026 22:43

So if you could choose what would you opt in or out of funding? State education, early years childcare, the police, libraries, the local swimming pool, the court system, the passport office? We could be here forever debating who funds what.

Floorflood · 27/01/2026 22:44

MasterBeth · 27/01/2026 22:29

I do now, because you just posted what you mean by it.

I have never in my 57 years heard the word.

Indeed. I’ve been a fiscal researcher in UK public spending for many years and it’s a new one on me too! All I was getting was that ethnic brand, and some androgynous social media profile.

velvetgeranium · 27/01/2026 22:44

slozenger · 27/01/2026 22:30

Well I think you’ll find I know how to spell it the MOST as I’m the one who used the word first. I’ve spelt it both ways for those who struggle with comprehension.

You could just say, sorry, you made a mistake - instead of being arsey and accusing posters of comprehension problems.

And you didn't spell it both ways for others. You got it wrong, spelling it "soch" in your title and then a further three times. Switching it to "sosh" didn't change much, as nobody recognised that either.

Sosh is a budget-friendly arm of telecommunications giant Orange apparently.

AstonScrapingsNameChange · 27/01/2026 22:45

Should pacifists be able to opt out of the bit of tax that pays for the military?

Don't be daft.

And no, 'soch' isn't self explanatory. I've just googled it and am none the wiser. What does it stand for WRT pensions?

TeenYearsAreBrutal · 27/01/2026 22:45

But OP, it’s highly unlikely you’re a net contributor…so it’s even more ridiculous you’re proposing a discount.

slozenger · 27/01/2026 22:46

TeenYearsAreBrutal · 27/01/2026 22:45

But OP, it’s highly unlikely you’re a net contributor…so it’s even more ridiculous you’re proposing a discount.

How is a person who pays tax not a contributor? Insulting to say the least.

OP posts:
Tigerbalmshark · 27/01/2026 22:46

wiffin · 27/01/2026 22:41

Cornwall? They grow actual tea. Unlike some counties who just name the tea after themselves.

My parents both worked for the DSS in Rotherham in the 70s and 80s, and neither have heard the word “Sosh”. Because it’s national insurance.

”Stamps”, back when it was a literal stamp you bought and stuck on a card, yes. “Sosh”, nope.

Maybe OP lives in the village of Twyning in Gloucestershire.

Supergirl1958 · 27/01/2026 22:46

slozenger · 27/01/2026 22:16

I’ve never said to duly opt out. Just that I’d like a discount for what I will not benefit from.

Assuming you have older relatives, does your ‘deduction’ from ‘soch(?)’ (I still haven’t a clue what it means but I’m assuming national insurance) mean that they have a deduction in their earnings. I have no idea why you won’t benefit from a state pension when the time comes, but I intend to take out of a system I’ve paid into when it’s my turn. I’ve worked since being 16 and have contributed to my community on voluntary basis since the age of 14…so I’d like to think I would deserve it…when and if I get there.

Boudy · 27/01/2026 22:46

'think you’ll find I know how to spell it the MOST'😂

Peridoteage · 27/01/2026 22:47

No. Its a social contract that as a member of the current working age population, you support the elderly who are no longer able to work. Some people will work and contribute till age 59 then drop dead of cancer & won't ever be in the position to benefit from the next generation of working age people to support them, it is what it is.

Floorflood · 27/01/2026 22:47

Icanttakethisanymore · 27/01/2026 22:37

Is this a piss take because someone called their pension a pench?

This passed me by bit slots nearly into the list of terrible words, along with holibobs, moist and hubby.

slozenger · 27/01/2026 22:47

Tigerbalmshark · 27/01/2026 22:46

My parents both worked for the DSS in Rotherham in the 70s and 80s, and neither have heard the word “Sosh”. Because it’s national insurance.

”Stamps”, back when it was a literal stamp you bought and stuck on a card, yes. “Sosh”, nope.

Maybe OP lives in the village of Twyning in Gloucestershire.

My gran called it soch in her stamp era. So it’s been around for longer than yours.

OP posts:
BigAnne · 27/01/2026 22:47

@slozenger so who would treat you if you needed emergency surgery?

FrodoBiggins · 27/01/2026 22:48

velvetgeranium · 27/01/2026 22:44

You could just say, sorry, you made a mistake - instead of being arsey and accusing posters of comprehension problems.

And you didn't spell it both ways for others. You got it wrong, spelling it "soch" in your title and then a further three times. Switching it to "sosh" didn't change much, as nobody recognised that either.

Sosh is a budget-friendly arm of telecommunications giant Orange apparently.

Ooooooh so you think it is meant to be pronounced like gauche with an s? Like the first syllable of social?

That makes all the difference! Only joking OP you're still selfish and have no idea how the country works.

TipsyCoralOtter · 27/01/2026 22:48

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.

Okay, but I don't have children and don't want children, therefore I don't want to pay for anything that supports children then - so that should be fine by your logic? I'm not planning to put children through school, therefore I shouldn't have to pay for children to go to school.

I also don't claim benefits, never have and nor will I ever, therefore I don't want my taxes to support other people in such a way. So I'll pay less then to that system.

Part of being a member of society is contributing to its general running, whether you benefit from all those things or not. Before you get on at me, I am a higher rate tax payer too. But I'm happy for my tax money to support children's education, to support those who need a safety net, to support NHS treatment for all those who need it in the UK and to fund the state pension. With the expectation that if I ever need any of those services, I am also entitled to use it.

That's part of the social contract. Go live off grid and forage for berries if you don't like it.

CautiousLurker2 · 27/01/2026 22:48

saveforthat · 27/01/2026 22:11

You are being ridiculous, what if I don't want children, can I withhold the bit that pays for schools?

Precisely - because the social contract means that even if we don’t have children of our own, we invest in other people’s - because they will be the doctors, the nurses, the policemen working to loo after me and me and/or my children in future decades. We pay to educate them, we pay to keep them safe, we pay to keep them healthy - not because we have children ourselves but because they will form the economic and social centre of the society I will age into.

IdleThoughts · 27/01/2026 22:48

I haven't been to the GPs in 10 years, do I get a discount for the next 10 years? My brother never had children, surely he and his wife are due a huge refund, no antenatal care, birth etc to pay for not to mention 12+ years of schooling.

Don't be silly.

Tigerbalmshark · 27/01/2026 22:48

Floorflood · 27/01/2026 22:47

This passed me by bit slots nearly into the list of terrible words, along with holibobs, moist and hubby.

Surely should be Natty Cons, like Platty Jubs?

slozenger · 27/01/2026 22:48

CautiousLurker2 · 27/01/2026 22:48

Precisely - because the social contract means that even if we don’t have children of our own, we invest in other people’s - because they will be the doctors, the nurses, the policemen working to loo after me and me and/or my children in future decades. We pay to educate them, we pay to keep them safe, we pay to keep them healthy - not because we have children ourselves but because they will form the economic and social centre of the society I will age into.

Bravo! And that is why I said we should all support child based stuff from the get go of my thread!!!!!!

OP posts:
SouthernNights59 · 27/01/2026 22:49

slozenger · 27/01/2026 22:27

Stop being facetious. You all know full well what soch/sosh is.

I had no idea, I don't live in the UK (and before you think of moving here you can't opt out here either). Incidentally when I Googled it I got the same search results as pps have mentioned, nothing at all about social security.

grumpygrape · 27/01/2026 22:49

Where did I leave that box of frogs ?
🐸🐸🐸🐸🐸🐸🐸

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