Reposted by Ashley Allen
I don't think the biggest problem is that this relief exists. The total allowance is 60k. That's just mad.
You can also park 20k in your ISA, 9k in JISA per kids, 2.8k in JSIPP per kid.
A family of 4 can shelter just over 183k per year from tax.
You can also park 20k in your ISA, 9k in JISA per kids, 2.8k in JSIPP per kid.
A family of 4 can shelter just over 183k per year from tax.
November 10, 2025 at 8:51 PM
I don't think the biggest problem is that this relief exists. The total allowance is 60k. That's just mad.
You can also park 20k in your ISA, 9k in JISA per kids, 2.8k in JSIPP per kid.
A family of 4 can shelter just over 183k per year from tax.
You can also park 20k in your ISA, 9k in JISA per kids, 2.8k in JSIPP per kid.
A family of 4 can shelter just over 183k per year from tax.
The actual fix?
A progressive tax relief on pensions. Most people put a few thousand max in to their pension a year (many little/none). If you can afford to put £30k-£60k a year into your pension, you don't need the tax relief.
A progressive tax relief on pensions. Most people put a few thousand max in to their pension a year (many little/none). If you can afford to put £30k-£60k a year into your pension, you don't need the tax relief.
November 10, 2025 at 8:27 AM
The actual fix?
A progressive tax relief on pensions. Most people put a few thousand max in to their pension a year (many little/none). If you can afford to put £30k-£60k a year into your pension, you don't need the tax relief.
A progressive tax relief on pensions. Most people put a few thousand max in to their pension a year (many little/none). If you can afford to put £30k-£60k a year into your pension, you don't need the tax relief.
Why isn't this an obvious cut?
Most people earning this much can easily find an alternative. Becoming a Ltd company/freelancer would be an easy side step around this. Fix that loophole? And you'd rob many freelancers (plumbers, hairdressers, creatives) of their one reason to have a pension.
Most people earning this much can easily find an alternative. Becoming a Ltd company/freelancer would be an easy side step around this. Fix that loophole? And you'd rob many freelancers (plumbers, hairdressers, creatives) of their one reason to have a pension.
November 10, 2025 at 8:27 AM
Why isn't this an obvious cut?
Most people earning this much can easily find an alternative. Becoming a Ltd company/freelancer would be an easy side step around this. Fix that loophole? And you'd rob many freelancers (plumbers, hairdressers, creatives) of their one reason to have a pension.
Most people earning this much can easily find an alternative. Becoming a Ltd company/freelancer would be an easy side step around this. Fix that loophole? And you'd rob many freelancers (plumbers, hairdressers, creatives) of their one reason to have a pension.
If you earn over £50k you can put £800 in to a pension, the government will add £200 and then give you another £200-250 at the end of the tax year.
Now consider you can put in up to 60x that a year into your pension and most people able to do this are either near or at personal pension age (55-57)
Now consider you can put in up to 60x that a year into your pension and most people able to do this are either near or at personal pension age (55-57)
November 10, 2025 at 8:27 AM
If you earn over £50k you can put £800 in to a pension, the government will add £200 and then give you another £200-250 at the end of the tax year.
Now consider you can put in up to 60x that a year into your pension and most people able to do this are either near or at personal pension age (55-57)
Now consider you can put in up to 60x that a year into your pension and most people able to do this are either near or at personal pension age (55-57)
Learn what inflation is and how it works, learn about the tax system, know what you're paying and why. and for fucks sake learn about pensions, your specific pension(s) and what it's being invested in, and the sooner the better. It sounds like a future old person thing, but it's not.
November 4, 2025 at 9:34 AM
Learn what inflation is and how it works, learn about the tax system, know what you're paying and why. and for fucks sake learn about pensions, your specific pension(s) and what it's being invested in, and the sooner the better. It sounds like a future old person thing, but it's not.
Lots of people don't realise how inflation drags people in to higher taxes through thresholds being kept the same. The state pension system is fundamentally broken but too politically awkward to do anything about.
As a country we just don't have the foundation to actually talk about any of it.
As a country we just don't have the foundation to actually talk about any of it.
November 4, 2025 at 9:34 AM
Lots of people don't realise how inflation drags people in to higher taxes through thresholds being kept the same. The state pension system is fundamentally broken but too politically awkward to do anything about.
As a country we just don't have the foundation to actually talk about any of it.
As a country we just don't have the foundation to actually talk about any of it.
But it's such a great thing to see how my own experience of being a dev differs to so many others.
My advice to any devs out there is 1. get paid, you're vital and they know it. 2. Go freelance, set your own hours and pay. 3. Always be learning and tinkering.
My advice to any devs out there is 1. get paid, you're vital and they know it. 2. Go freelance, set your own hours and pay. 3. Always be learning and tinkering.
October 31, 2025 at 12:55 PM
But it's such a great thing to see how my own experience of being a dev differs to so many others.
My advice to any devs out there is 1. get paid, you're vital and they know it. 2. Go freelance, set your own hours and pay. 3. Always be learning and tinkering.
My advice to any devs out there is 1. get paid, you're vital and they know it. 2. Go freelance, set your own hours and pay. 3. Always be learning and tinkering.