indeed

I had a look, and considering that my work pension is tied to the state pension age in the main it seems likely that I'll be earning something for the next 20 years or so eitherwhichway - so won't need to top-up.

As the work's scheme meant I was 'opted out' i did wonder what impact that would have (seems to be not any impact at all).

Current plan is to carry on with the day job until CCJr is through Uni and then start to phase into a second career that I've been training into for the last decade.

Moneywise it'll likely be a wash (though with greater potential earnings and quite a bit of flexibility - tho I do have that now)

Managing a pretty sizable team I do think that the pension stuff seems pretty patchy and remote for any of the sub-40 year olds at our place. If you make it to pension age then you'll not be destitute, and could be quite affluent, but with the pension being tied to an ever-receding state pension age there's a lot of cynicism as to the real value.

Most of us are making alternative plans.

Posted By: Cardiff Canary, Mar 8, 12:00:44