Anya, If we all had a regular job and steady income it would be possible to plan far better for retirement. unfortunately far too often we tend to forget about those on the basic living wage who cannot put anything aside for later life. We also tend to ignore those mentioned in the latest Charity Independent Age report, in which it is claimed 1,000's of over-75s receive an average of £3,000 a year less than younger pensioners. It claimed ministers should do more to raise awareness of pension and benefit top-ups available for older pensioners.
My reason for widening the subject is to highlight that our society is not always fair and equal and we do need to be far more caring towards those stuck in the poverty trap.
Nor do I agree with those who keep inferring that social housing should only be available to those who cannot afford a mortage. That was the type of attitude that created slums in many parts of our urban areas , the more enlightenened who believed access to a good standing of housing at a fair market rent, public or private alongside affordale housing is a far better proposition and one more acceptable in more enlightened countries.