Rumble":3cyoa1ol said:
I started a new job 2 weeks ago. Before accepting I considered the long term prospects and what it means for my financies (and retirement, if anyone of my age is ever going to retire...)
Here's the thing I struggle with, in the pension debate.
For a little over 20 years, all the time I've been in full-time employment, I've always paid into a pension scheme. And in those years, there's been plenty of instances where I'd have liked to have that money that was going out, free to spend elsewhere. But personally, I've always viewed those deductions as essential at source - right from the outset, from back when I was 18, earning very little, right up to today, earning an adequate amount.
Over those years, I've encountered colleagues who've suprised me in saying they don't / haven't / never have (clearly it's varied) pay / paid into a pension scheme - based on them apparently not being able to afford it. In a lot of those instances, these would be people earning as much, and in some cases, notably more than me - and not seemingly having significant other commitments. I have to say, some of the people who've claimed not to be able to afford it, have often caused a Roger Moore-esque raised eyebrow from me - 'cos it's often given the impression of being more about not wanting to pay the money and use it elsewhere, as opposed to not actually being able to truly afford it - but then, that's just my experience.
From where I'm sat it's choices. How many people saying they can't afford to contribute to pensions, spend X amount socialising, going to the pub, spending Y on retrobikes or parts, spending ZZZ at the curry house, or that elusive Q amount on car payments, iPhones (/contracts) or other lifestyle choices.
As the politics of envy seem to be used as a valid standpoint, and affordability are being questioned, then surely it's equitable to point that spotlight in both directions...