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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think when the state pension is removed, the social contract is broken?

527 replies

JulyJulyNovember · 01/07/2026 08:02

https://www.bbc.co.uk/news/articles/c8e2yp1gg37o

It seems likely that in due course, the universal state pension will be withdrawn. At this point, I don’t see how there will be any incentive for young people to build wealth here.

I don’t think poor pensioners should be homeless, but I don’t think they should be provided for in large, unsuitable council houses or in nursing homes where places cost thousands a week. We are moving to a more individualistic world.

A person standing on a path which is crumbling

Why Gen Z are planning for life without a state pension

Many younger people do not believe the state pension will exist when they are older

https://www.bbc.co.uk/news/articles/c8e2yp1gg37o

OP posts:
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5
Bellic · 04/07/2026 21:33

Soontobe60 · 04/07/2026 19:25

Bring back the poor houses I say! Send them down the mines, take their kids off them and force them to eat gruel.

You sound hysterically emotive but what’s the other option? We fund people who have chosen to take the piss all their lives to have the same standard of living in retirement as someone who’s grafted away on a minimum wage job all their lives. Is that what you think is fair?

We need to start incentivising work in this country, putting the workers above the shirkers.

Differentforgirls · 04/07/2026 21:34

NoWordForFluffy · 04/07/2026 21:00

Your oldest child is over 50. Nobody is suggesting that 50 year olds are living in HMOs / house shares. How many of your children are actually young professionals just starting out in their career (i.e. those most likely to live in HMOs / house shares)? Given your age, I'm thinking none.

If it helps. My youngest bought his house when he was 23. He’s now 30. He never lived in an HMO.

NoWordForFluffy · 04/07/2026 21:35

Differentforgirls · 04/07/2026 21:34

If it helps. My youngest bought his house when he was 23. He’s now 30. He never lived in an HMO.

Anecdata. Many young professionals do live in shared houses, as I'm sure you're aware.

If you're not, then I'd suggest you're rather ill-informed.

Differentforgirls · 04/07/2026 21:37

NoWordForFluffy · 04/07/2026 21:35

Anecdata. Many young professionals do live in shared houses, as I'm sure you're aware.

If you're not, then I'd suggest you're rather ill-informed.

All his friends did the same thing. Must be an area thing. His friend sold her first house the other day. 4 bed detached. She’s moving into a five bed. 30 years old.

NoWordForFluffy · 04/07/2026 21:41

Differentforgirls · 04/07/2026 21:37

All his friends did the same thing. Must be an area thing. His friend sold her first house the other day. 4 bed detached. She’s moving into a five bed. 30 years old.

Are you in London, or another expensive area?

Differentforgirls · 04/07/2026 21:51

NoWordForFluffy · 04/07/2026 21:41

Are you in London, or another expensive area?

What’s that got to do with it? I did say that it must depend on the area. Did you miss that?

Differentforgirls · 04/07/2026 21:56

NoWordForFluffy · 04/07/2026 21:41

Are you in London, or another expensive area?

Since joining here I think London and the SE are the most deprived areas as people who live in them earning 6 figures are on here pleading poverty all the time.

Who would want to live there?

NoWordForFluffy · 04/07/2026 21:58

Differentforgirls · 04/07/2026 21:51

What’s that got to do with it? I did say that it must depend on the area. Did you miss that?

No, I didn't. So I asked where you are where you apparently have no knowledge of anyone ever sharing a house.

Even my mum shared a house in her youth, and she's 75 now.

SquirrelGG · 04/07/2026 22:05

NoWordForFluffy · 04/07/2026 21:35

Anecdata. Many young professionals do live in shared houses, as I'm sure you're aware.

If you're not, then I'd suggest you're rather ill-informed.

What's wrong with living in a shared house? It's still common where I live (not the UK), and no-one seems to think it's awful - not even young professionals.

NoWordForFluffy · 04/07/2026 22:06

SquirrelGG · 04/07/2026 22:05

What's wrong with living in a shared house? It's still common where I live (not the UK), and no-one seems to think it's awful - not even young professionals.

Nothing. But there's some people on this thread who seem very keen to deny that it happens. I'm not sure why, mind you! 🤷‍♀️

Differentforgirls · 04/07/2026 22:33

NoWordForFluffy · 04/07/2026 21:58

No, I didn't. So I asked where you are where you apparently have no knowledge of anyone ever sharing a house.

Even my mum shared a house in her youth, and she's 75 now.

No you asked if I was in London or another expensive area.

Cyclingmummy1 · 04/07/2026 22:34

Jan24680 · 01/07/2026 08:12

My original pension age was 60. It's now 68. I really can't see me ever getting a state pension.

How old are you?

Differentforgirls · 04/07/2026 22:35

The only people I know who lived in shared houses are uni students.

NoWordForFluffy · 04/07/2026 22:38

Differentforgirls · 04/07/2026 22:35

The only people I know who lived in shared houses are uni students.

Then you're seriously out of touch.

NoWordForFluffy · 04/07/2026 22:40

Differentforgirls · 04/07/2026 22:33

No you asked if I was in London or another expensive area.

Regardless of your very weird insistence that young professionals aren't living in shared houses, they really are. Your refusal to accept this is just a refusal to accept reality and, frankly, makes you and your ilk look rather bizarre!

What's your motivation?

Differentforgirls · 04/07/2026 22:40

NoWordForFluffy · 04/07/2026 22:38

Then you're seriously out of touch.

No I’m not. I just don’t live in an area where people are skint on a six figure salary.

Differentforgirls · 04/07/2026 22:41

NoWordForFluffy · 04/07/2026 22:40

Regardless of your very weird insistence that young professionals aren't living in shared houses, they really are. Your refusal to accept this is just a refusal to accept reality and, frankly, makes you and your ilk look rather bizarre!

What's your motivation?

No motivation except to be very glad I don’t live in a deprived area.

NoWordForFluffy · 04/07/2026 22:41

Differentforgirls · 04/07/2026 22:40

No I’m not. I just don’t live in an area where people are skint on a six figure salary.

It's not even related to that. People are sharing houses all over the country, even when they aren't students.

You're very out of touch.

NoWordForFluffy · 04/07/2026 22:42

Differentforgirls · 04/07/2026 22:41

No motivation except to be very glad I don’t live in a deprived area.

It's not just in deprived areas.

You're coming across rather strangely.

Differentforgirls · 04/07/2026 22:42

NoWordForFluffy · 04/07/2026 22:41

It's not even related to that. People are sharing houses all over the country, even when they aren't students.

You're very out of touch.

No, you are. You brought up an “expensive area” which turns out to be a very deprived one.

Differentforgirls · 04/07/2026 22:43

NoWordForFluffy · 04/07/2026 22:42

It's not just in deprived areas.

You're coming across rather strangely.

Ignore me then instead of making personal attacks.

Cyclingmummy1 · 04/07/2026 22:44

Vinvertebrate · 02/07/2026 23:11

That’s because you have a LA pension so it’s quite likely to have skewed your view of how much is needed to buy an annuity that would pay £10k per year.

As PP said, it’s about £250k (and I’m not even sure that would be index-linked for life). Even that “low” amount is beyond the reach of most of the public (which pays employer and employee contributions for the public sector, effectively). This is why public sector pensions need serious reform, and SP reform should only be considered once they are off the nation’s books.

Pensions are deferred salary. Public sector employees tend to have a greater proportion of their compensation deferred so, obviously, they have a bigger pension.

NoWordForFluffy · 04/07/2026 22:44

Differentforgirls · 04/07/2026 22:42

No, you are. You brought up an “expensive area” which turns out to be a very deprived one.

Learn to read. 'London, or another expensive area.'

Which expensive areas are deprived? I didn't specify where I was talking about.

NoWordForFluffy · 04/07/2026 22:46

Differentforgirls · 04/07/2026 22:43

Ignore me then instead of making personal attacks.

I haven't attacked you. I'm trying to work out why you're denying that young people share houses all across the country (and some not that young as well, for various reasons).

There are websites set up to advertise such properties. I suggest you look at spareroom.com and see which locations it has adverts for.

Differentforgirls · 04/07/2026 22:46

NoWordForFluffy · 04/07/2026 22:44

Learn to read. 'London, or another expensive area.'

Which expensive areas are deprived? I didn't specify where I was talking about.

I won’t reply to you again but will report you if you continue to personally attack me.

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