I’ve never seen anyone on MN claim they everybody has equal capacity to become well off. What I have seen is people pointing out that people from the same starting point and with the same capabilities make different choices which lead to different outcomes.
in the context of pensions, I have a very good one…. because I’ve worked full time for almost all my adult life, bar a very short amount of time when my babies were tiny and I worked 3 days a week. Some of the decisions I made:
-continuing in work even when our nursery bills were equivalent to my take home pay (this was before any subsidised childcare)
-stepping back up to full time as soon as my youngest was in the toddler room at nursery
-actively seeking promotions (even though it would have been less work to remain on a lower level for large parts of my working life.)
Some people make different decisions. I have at least two acquaintance of my age (approaching 60) who were either SAHM for a long time, or chose to remain working part time forever after having kids (even when those kids were grown up so I’m not talking about childcare issues here.)
This isn’t about judging people’s decisions - if a woman chooses to never work full time again after having children and her partner is ok with that, it’s their decision. But it seems pretty obvious that it’s going to have a massive impact financially particularly when it comes to pensions.
so I agree that obviously everybody doesn’t have equal capacity, but there is also a huge variation in the decisions people make along the way.