finance gurus (10 replies)
My Mrs worked in local gov for, I dunno, 15 or 20 years, then about 10 years ago she changed jobs to Welsh gov.
She was in the local gov pension scheme but couldn't be arsed to merge it with the pension scheme at Welsh gov, so she will have 2 pensions, albeit shit ones when she retires.
She has the idea that she can take the pension from local gov now. She hasn't paid in, obvs, since changing jobs, it's just there, waiting for her to retire. Would it make sens to take it now, so she can spend some money on me, or would she end up with less when she actually retires and will need all the money she can get?