Re: National Insurance doesn't build you a pension pot
Let's put a few things straight. Landrover driven once a week to a garden centre? You have no idea what rural public transport is like. It;s almost 8pm. I've just come back reom my 3rd journey of the day & have another to come. Tomorrow, probably won't go anywhere but Wednesday will be three journeys, Thursday probably one and Friday two. It's not a Landrover but it is 4WD because its 2WD predecessor caused me quite enough problems getting up the hill when it snowed so back to 4WD it is.
Triple lock? I'm with you there except for the double p (I have to admit that I had the same problem with triple points when I was writing a book that mentioned them rather frequently).
But you're not the only one to go through rental, mortgages, costs of bringing up kids etc. We all did it. Are you suggesting that once we get the mortgage paid off we should go back to paying some rent-seeker for a retirement flat, miles away from family & friends (there aren't that many round here) or, worse still, buy some that can't be resold because a scammy developer has set the ground rent to double on some schedule and the management charge to be increased on a whim? Len Deighton had some line about Catholic countries where families work hard to keep aged relatives with them and Protestant countries where families work hard to keep aged relatives in retirement homes in genteel desperation. You reminded me of that line.
FYI my dad built () not had built) this house which I inherited but a great deal of my teenage weekends went into mixing concrete, mortar and plaster, or helping put timber through the circular saw and planer. No way am I going to leave other than be carried away, a feeling I shared with my parents. No, we live here, where there beside the few left of my generation of my family, my daughter and my grandchildren - to whom we provided child-minding of course.
Yes, life is topsy-turvy. You have least money when you need it most. Nobody's found a way to get round that by paying top salaries to 20-somethings and young 30-somethings. We were there in our turn. Your children will be in theirs. You will also be here in your turn. The situation doesn't change. Your perspectives on it do and will.
In the meantime I'm old enough to think "Wow, even the boomers are retiring now" but still active enough to help drive those still older who have had to give up their cars. I am not going to be shut in some poxy retirement box somewhere. This is the countryside in which I grew up and I'll continue inhabiting it as long as I can.