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"What others do as long as it has no impact on you should not be of concern to you"
Unfortunately, EC, the issue of people not providing for income in their later years is of concern to all taxpayers. People who have made no provision and who rely soley on the State pension receive huge amounts of additional support, funded by taxpayers. This additional support is not available to those who have been a bit prudent so their reward for such prudence is effectively a far lower State Pension. This is blatently unfair.
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