Wish I knew how to treat a lady like him <| sep |> Why should I be any less entitled to a state pension whatever it may be just because I didn ' t decide to just spend all of my income as it comes in ? The reality is that you have to adjust your expectations of what you will receive . People are living much , much longer than when pensions were first introduced . Plus healthcare and social care costs are also increasing . There ' s a good chance that you will live an extra 30 years after you retire . Sadly , there isn ' t a bottomless pit of cash to fund all of this . I ' m currently putting ~ 15 % into my pension and will increase this whenever I can . If you want to have a decent retirement and I don ' t think you can rely on the government to provide it !