[Vicky.]

I dont save for a pension, nor do I expect that state pension will be there when I retire..even though I have paid NI all my life.

I will deal with it when the time comes..dont see the point of stressing about it now really.

Edit. The main reasons for me not saving in order are

- I dont trust that the money will actually be available to me when the time comes
- I cant really afford to be shovelling hundreds away at the moment, and have never really been in a position to do that so far.
- You can pay in for 50 years, then only get 1 year return, or maybe none..seems nonsensical to me.
- When I can afford to save, I will. Then will just live off my savings when/if I chose to retire
- My gran saved for a pension, and had loads of savings. Now, because she saved, she has to pay £500 per WEEK to live in a ****ty care home that doesnt even do her washing or anything half of the time, whereas those who didnt save get care for free.