Sunny-Dave well said, you have hit the nail on the head, OH and I have been saying precisely that for ages. Looking back we regret many decisions over the years - being prudent, not having loans, putting our money in ISAs, missing holidays to save more for old age etc etc - it has now come back to haunt us, as we can't get any benefits at all and worked for over 40 years non-stop. Some friends of ours were spend, spend, spend, had everything they wanted but could not afford, went bankrupt, pleaded poverty, were accepted for benefits including free housing ..... and have come up smelling of roses! Are we jealous? You bet we are!