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18 Aug 19, 04:08 PM |
#61
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VIP Dibber
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I worry for our DD not much chance of her making extra provision for her pension while having to pay off a student loan, she already has too much month left at then of her money and she is far from extravagant.
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18 Aug 19, 04:16 PM |
#62
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Imagineer
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Not wanting to get into an argument as I partly agree with you, but I am a widow on a not so good wage but I am not putting extra into my small pension when I have experienced how short life is. Half of my last holiday is on a 0% card I am paying off. I am taking a risk but having my husband work all his life and pass away before retirement what little money I have will go to helping me enjoy life now. Plus I don't have expensive holidays every year, I go indirect economy and try to do things cheaply where possible and mostly my holidays are Europe. Although a large % of dibbers will be good earners and have more disposable income I know a few are very working class like myself who do not and will never be able to look at early retirement
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18 Aug 19, 04:17 PM |
#63
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Imagineer
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18 Aug 19, 04:21 PM |
#64
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Imagineer
Join Date: Jul 11
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Who says you'll get to keep your job until then? A lot of companies won't want someone in their 70's working for them, so will find a way to get rid of plenty of the older generation one way or another, the government have made it super easy for companies to sack employees now with no repercussions. So they sack you at 70, stating some reason that you can't argue against with evidence, and you can't claim your private or state pension (if there is still one then) for another five years. What do you do in the interim five years with no money?
The pension age will raise, I don't think anyone can reasonably say it won't, but that doesn't mean companies will be willing to keep an ageing workforce in employment when younger workers are stronger, faster, with less rights and lower starting wages for their ages.
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Oct 2014-Beach Club Oct 2012-Wilderness Lodge Oct 2010-DLP Newport Bay July 2009-AKL honeymoon Oct 2007-DLP Newport Bay Aug 2005-Eagle Pointe Villas Sept 2004-DLP Disneyland Hotel and New York Hotel |
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18 Aug 19, 05:44 PM |
#65
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Imagineer
Join Date: Apr 10
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Totally agree with everything you wrote , I worked with someone who carried on working until 65 and then planned to go round the world. She died two months after leaving and hadn't even left for the first part of her trip. Some people on here work very hard and save for a very long time to be able to go to Florida and I for one dont feel anyone should be made to feel bad about prioritising a holiday, be it Florida or Skegness , over putting extra into a pension pot. I would rather live in a caravan(as someone said earlier) than give up my memories of my holidays with my family.
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18 Aug 19, 05:47 PM |
#66
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Imagineer
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18 Aug 19, 05:56 PM |
#67
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Imagineer
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30 years! Must be because of the area I live in them but in my 51 years I know 1 person, my nana who lived until 90 but she never worked after having children. All my other relatives died in their 60s and 70s so not even 20 years. My dad just died at 82 so got 17 years retirement.
I know more and more people passing of cancer before retirement so I find the 30 years retirement laughable !
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18 Aug 19, 05:57 PM |
#68
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Proud to wear my Ears
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My mum and aunt never hit retirement.
Like you only my Nan has managed it and that’s because she gave up work years ago. I can’t think of the future. I put my allocated lot into my private pension and will have to see what the future holds... Like you I’ve seen too much of life being short and wouldn’t trade some of the wonderful memories I’ve shared in Florida for anything Edited at 05:58 PM. |
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18 Aug 19, 06:02 PM |
#69
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Imagineer
Join Date: Apr 10
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Well I wasn't meant to be working until I was 70 when I started at the age of 16 ! Yes I know holidays can be had elsewhere for cheaper amounts and throughout my children's childhood we have been on every type of cheap holiday available .I feel like you are implying that holidays should only be a priority for people that can afford to put more into their pension pot and I cant agree with that at all, my apologies if I am interpreting it wrong.
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18 Aug 19, 06:06 PM |
#70
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Imagineer
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I’m in the south east and yes life expectancy is better here than Scotland for example. DH Nan live to 96, my Nan is 86, grandfathers died in their 80s. That said we lost DMIL last year at 70 only two years after grandmother in law.
I work for a pension company and longevity tables are telling us people are living longer but of course it won’t apply to everyone and there are regional variations. The problem is whilst people are living longer they are spending more of it in poor health. |
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