Taking money from my pension to pay into spouses pension?

german_keeper

A low wage earner who didn't contribute fully to a pension in previous years cannot catch-up but a high wage earner can use carry forwards. Guess the little guy/gals who need the money the most are the ones the rules don't cater for (surprise).

Yes I would agree that this particular rule does benefit the wealthy. But if I was going to define "the little guy/gals" it would be the people who struggle to pay their bills and have to use foodbanks to feed their kids. Not the people who are in a position to put 80% of their salary into their pension.