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Fairness pension
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Life isn't fair and there will always be people with more or less that you have. I have never had a final salary scheme, always paid into a private pension and currently putting as much as I can afford in to ensure I can take early retirement. I pay loads of tax and NI but my Retirement Pension will be the same as someone who has paid in the minimum, when I started work my retirement age was 60 and now it's 68. No point moaning about how unfair it is go all out to earn as much as possible and make sure you plan for your retirement when you want to take it. 10 months to go for me...0
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