[Tom]

Originally Posted by Lucy.

Well maybe if you ever know someone who earns over 44k and isn't in the picture perfect idea everyone seems to have that their loaded you'll think differently.

yeah, my mum. She never claimed child benefit and was perfectly comfortable

me & my girlfriend don't even earn £44k between us and we're fine with a lot of excess and probably won't claim should we have a kid

its not so much being loaded, just more being comfortable and such a small amount of money (to some) is going to make minimal difference