My point is my pension is being changed and my goal posts have been shifted. You have the choice to retire anytime you want as you work for yourself and or a small company. You can pay in tax what you declare, I can't do "foreigners" for cash, and don't say you don't! As already described above I do a huge amount of unpaid work for the good of the young people I teach and it's unfair to expect me to do that whilst reducing the pension that fund! It's my money that I contribute so why should I get less than what I put in? That's my point!