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Loneliness, loss and regret: what getting old really feels like — new study

Over 130 hours of conversations with older people reveal the truth of what it’s like to get old and how to cope with loneliness.

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Paula* had not been living in her retirement apartment for very long when I arrived for our interview. She welcomed me into a modern, comfortable home. We sat in the living room, taking in the impressive view from her balcony and our conversation unfolded.

Paula, 72, told me how four years ago she’d lost her husband. She had been his carer for over ten years, as he slowly declined from a degenerative condition.

She was his nurse, driver, carer, cook and “bottle-washer”. Paula said she got used to people always asking after her husband and forgetting about her. She told me: “You are almost invisible … you kind of go in the shadows as the carer.”

While she had obviously been finding life challenging, it was also abundantly clear that she loved her husband dearly and had struggled profoundly to cope with his death. I asked Paula how long it took for her to find her bearings, and she replied:

Nearly four years. And I suddenly woke up one day and thought, you idiot, you are letting your life fade away, you have got to do something.

There were photographs of Paula’s late husband on the wall behind her. I noticed a picture of him before his illness took hold. They seemed to be at some sort of party, or wedding, holding glasses of champagne. He had his arm around her. They looked happy. There was a picture of her husband in a wheelchair too. In this picture they both looked older. But still happy.


This story is part of Conversation Insights
The Insights team generates long-form journalism and is working with academics from different backgrounds who have been engaged in projects to tackle societal and scientific challenges.


Losing her husband had left Paula with an irreplaceable void in her life that she was still working out how to fill. In our interview, I glimpsed the extent of the deep, unavoidable sense of loneliness that losing a spouse can create for the bereaved partner – a painful theme our team would revisit many times in our interviews with older people.

The Loneliness Project

The pandemic brought the longstanding issue of loneliness and isolation in the lives of older people back into the public consciousness. When COVID-19 hit, we had only just completed the 80 in-depth interviews which formed the dataset for what we called The Loneliness Project – a large-scale, in-depth exploration of how older people experience loneliness and what it means for them.

I (Sam) am a psychologist with a particular interest in exploring human relationships across the lifespan. Chao, meanwhile, is a research associate based in the Centre for Death and Society at the University of Bath. His research focuses on bereavement experiences and exploring emotional loneliness of people living in retirement communities. For the last two years, we’ve been working on the Loneliness Project with a small research team.

Above all, the project sought to listen to older people’s experiences. We were privileged to hear many people, like Paula, talk to us about their lives, and how growing old and ageing creates unique challenges in relation to loneliness and isolation.

The research – now published in Ageing and Society – generated over 130 hours of conversations and we started to make sense of what our participants told us with an animated film.

We found that ageing brings about a series of inevitable losses that deeply challenge people’s sense of connection to the world around them. Loneliness can often be oversimplified or reduced to how many friends a person has or how often they see their loved ones.

But a particular focus for us was to better understand what underpins feelings of loneliness in older people on a deeper level. Researchers have used the term “existential loneliness” to describe this deeper sense of feeling “separated from the world” – as though there is an insurmountable gap between oneself and the rest of society. Our objective was to listen carefully to how people experienced and responded to this.

The older people in our study helped us to better understand how they felt growing old had affected their sense of connecting to the world – and there were some core themes.

Loss

For many, ageing brought about an inevitable accumulation of losses. Put simply, some of the people we spoke to had lost things that had previously been a major part of feeling connected to something bigger than themselves.

Loss of a spouse or long-term partner (over half of our sample had lost their long-term spouse) was particularly palpable and underlined the deep-rooted sense of loneliness associated with losing someone irreplaceable. Reflecting on the loss of her husband, Paula said:

When he was gone, I didn’t know where I fitted anymore. I didn’t know who I was anymore because I wasn’t [upset] … You just existed. Went shopping, when you needed food. I didn’t want to see people. I didn’t go anywhere.

There was evidence of how painful this irreplaceable void was for people. Douglas, 86, lost his wife five years before speaking to us. He tried his best to articulate the sense of hopelessness, despair – and sheer loss of meaning – it had created for him. He said it hadn’t stopped being difficult, despite the passing of time, adding: “They say it gets better. It never gets better.”

Douglas explained how he never stops thinking about his wife. “It’s hard for people to understand a lot of the time,” he said.

People also talked about how learning to live in the world again felt alien, terrifying and, frequently, impossible. For Amy, 76, relearning how to do the “little things in life” was a lonely and challenging experience.

It took me a long time … just to go down for breakfast on my own … I’d have to bring a paper or a book to sit with. And never ever, I would never, ever go and have a cup of coffee on my own in a coffee shop. So, I literally ‘learnt’ to do that. And that was a biggy, just going to a coffee shop and having a coffee.

Amy said going into busy places on her own was hard because she thought everyone was looking at her. “I would always do it with Tony, my husband, whatever … But to do it on your own, a biggy. It’s stupid, I know, but anyway, hey ho.”

For Peter, 83, the loss of his wife had created a painful void around feelings of touch and physical intimacy that had always made him feel less alone.

I suppose all my life sex has been lovemaking. I mean, we are really getting personal now, but when my wife died, I missed that so, so much. It’s much more enjoyable in old age, you know, because, I mean, if I said it to you you’d think oh good grief, that horrible old body and all the spots and bumps and cuts and wounds and … takes off a wooden leg and … takes out the eye. Sorry [laughs] … But it’s not anything like that because you know you are in the same boat … you get round it, some peculiar way, you accept it all.

Another man, Philip, 73, also described the pain in this loss of intimacy. He said:

At my wife’s funeral, I said the one thing I will miss most is a kiss goodnight. And blow me, afterwards, one of our friends came round, and she said, ‘well, we can send each other kisses if you like but by text every night’, and would you believe, we still are, we still do.

With the very old people we talked with, there was a sense that loss of close and meaningful connections was cumulative. Alice, 93, had lost her first husband, her subsequent partner, her siblings, her friends and, most recently, her only son. With a sense of sadness and weariness, she explained:

You know, underneath it all I wouldn’t mind leaving this world. Everyone has died and I think I’m lonely.

Researchers at Malmö University, Sweden, have described an acute sense of existential loneliness in very old age, that is partly a reflection of an accumulated loss of close connections.

The study found that the result can be understood as if the older person “is in a process of letting go of life. This process involves the body, in that the older person is increasingly limited in his or her physical abilities. The older person’s long term relationships are gradually lost and finally the process results in the older person increasingly withdrawing into him or herself and turning off the outside world”.

‘A stiff upper lip’

Studies of loneliness have highlighted how an inability to communicate can bring about a feeling that “the soul is incarcerated in an insufferable prison”.

This was reflected in our study too. Many of our participants said they had trouble communicating because they simply didn’t have the tools required to convey such complicated emotions and deeper feelings. This led us to contemplate why some older people might not have developed such essential emotional tools.

Research has suggested that older people born in the first half of the 20th century were unwittingly indoctrinated into the concept of the “stiff upper lip”. Through most of their lives – including wartime, peacetime employment, conscription to military service, and family life – there was a requirement to maintain high levels of cognitive control and low levels of emotional expression.

Some of our participants seemed to be implicitly aware of this phenomenon and how it had shaped their generation. Polly, 73, explained it succinctly for us:

If you don’t think about it, if you don’t give it words, then you don’t have to feel the pain … How long is it since men cried in public? Never cry. Big boys don’t cry. That is certainly what was said when I was growing up. Different generation.

People said that wartime childhoods had “hardened them”, led to them suppressing deeper feelings and feeling the need to maintain a sense of composure and control.

For example, Margaret, 86, was a “latchkey child” during the war. Her parents went out at 7am and she had to get up and make her own breakfast at the age of nine. She then had to catch a tram and a bus to get to school and when she got back at night her parents would still be out, working late.

So I used to light the fire, get the dinner ready. But when you are a child, you don’t think about it, you just do it. I mean, no way did I count myself as a neglected child, it was just the way it was in the war, you just had to do it …“

Margaret said it was "just an attitude”. She went to 11 schools, travelled around the country because of the war and had nothing really to do with other people. She added: “I think it makes you a little bit hard … I think sometimes I am a hard person because of it.”

As interviewers who have grown up in a culture that is perhaps more permissive of emotional expression than had been the case for many of the people we interviewed, it was sometimes difficult for us to witness how deep-rooted people’s inability to express their suffering could be.

Douglas was clearly struggling deeply after the death of his wife. But he lacked the tools and relationships to help him work through it. He said he had nobody who was close to him who he could confide in. “People never confided in my family. It was different growing up then,” he added.

Heavy burdens

The burden of loneliness for older people is intimately connected to what they are alone with. As we reach the end of our lives, we frequently carry heavy burdens that have accumulated along the way, such as feelings of regret, betrayal and rejection. And the wounds from past relationships can haunt people all their lives.

Gerontologist professor, Malcolm Johnson, has used the term “biographical pain” to describe psychological and spiritual suffering in the old and frail that involves profoundly painful recollection and reliving of experienced wrongs, self-promises and regretted actions.

He has written that: “Living to be old is still considered to be a great benefit. But dying slowly and painfully, with too much time to reflect and with little or no prospect of redressing harms, deficits, deceits, and emotional pain, has few redeeming features.”

Many of those we spoke to told us how hard it was to be left alone with unresolved pain. For example Georgina, 83, said she learned in early childhood that she was “a bad person … stupid, ugly”. She remembered her brother, as an older man, dying in hospital, “connected to all these machines”. However, she could neither forgive nor forget the abuse he had inflicted upon her during childhood. “My faith told me to forgive him but, ultimately, he scratched me in my soul as a kid,” she added.

People carried memories and wounds from the past that they wanted to talk about, to make sense of and to share. Susan, 83, and Bob, 76, talked about painful and difficult memories from their early family lives.

Susan spoke about how she had a nervous breakdown when her family “disowned” her after she fell pregnant at the age of 17. She said:

I come from this secret family. We all had to present as expected. If you didn’t, you were out, and that was the bottom line. I look back on my life and I wonder that I survived.

While Bob remembered a life of violence at the hands of his father. “I copped so many hidings from him. Then one night … my old man had a bad habit. He would get up and walk past you and smack you in the ribs. I sensed it coming, I was out of my chair in a flash, I caught him, crossed his hands over his wrists, and jammed my knuckle into his Adam’s Apple. That was family life,” he said.

Janet, 75, explained to us that she felt what was lacking from her life was a space where she could talk about, make sense of, and reflect on the biographical pain she had accumulated.

This is what I miss a lot, a private space to talk … All my life I’ve suffered … and some things I do find very hard … With everything that’s gone wrong, I would like to talk to somebody, no advice, I want to let off steam, make sense of it all, I suppose. But it doesn’t happen.

Your life mattered

Thinking about how older people can be supported must involve a fuller understanding of what loneliness really means for them. Some of our own efforts have focused on ways of helping older people retain a sense that they are valued in the world and that they matter.

For example, the Extraordinary Lives Project sought to listen to older people’s recollections, wisdom and reflections. Sharing these recollections with others, including younger generations, has been mutually beneficial and helped older people to feel that the lives they have lived counted for something.

There is also a need to consider how to support older people in relation to coping with some of the inevitable losses ageing creates that threaten their sense of connection to the world. Organisations seeking to connect people going through these struggles can play a role in developing a sense of “coping together”.

Such organisations already exist in relation to support for widows, provision of spaces like death cafes to talk about death and dying and improving access to and awareness of psychological and emotional therapies for older people.

So support is out there but it is often fragmented and difficult to find. A core challenge for the future is to create living environments in which these mechanisms of support are embedded and integrated into older people’s communities.

Listening to all these experiences helped us to appreciate that loneliness in later life runs deep – much deeper than we might think. We learned that growing old and approaching the end of life create unique sets of circumstances such as loss, physical deterioration and biographical pain and regret that can give rise to a unique sense of disconnection from the world.

Yet people can and did find their way through the significant challenges and disruptions that ageing had posed them. Before I (Sam) left her apartment, Paula made me a cup of tea and a ham sandwich and told me:

It’s funny, you know, I had a building which I had inherited, and I had some money in the bank but who was I, what was I anymore? That was my main challenge. But now, four years later, I’ve moved to a retirement village and I’m noticing there’s just a little thrill associated with being able to do exactly as I please – and if people say, ‘Oh but you should do this,’ I go, ‘No, I shouldn’t!’

*All names in this article have been changed to protect the anonymity of those involved.


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Sam Carr receives funding from Guild Living.

Chao Fang receives funding from Guild Living.

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Buried Project Veritas Recording Shows Top Pfizer Scientists Suppressed Concerns Over COVID-19 Boosters, MRNA Tech

Buried Project Veritas Recording Shows Top Pfizer Scientists Suppressed Concerns Over COVID-19 Boosters, MRNA Tech

Submitted by Liam Cosgrove

Former…

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Buried Project Veritas Recording Shows Top Pfizer Scientists Suppressed Concerns Over COVID-19 Boosters, MRNA Tech

Submitted by Liam Cosgrove

Former Project Veritas & O’Keefe Media Group operative and Pfizer formulation analyst scientist Justin Leslie revealed previously unpublished recordings showing Pfizer’s top vaccine researchers discussing major concerns surrounding COVID-19 vaccines. Leslie delivered these recordings to Veritas in late 2021, but they were never published:

Featured in Leslie’s footage is Kanwal Gill, a principal scientist at Pfizer. Gill was weary of MRNA technology given its long research history yet lack of approved commercial products. She called the vaccines “sneaky,” suggesting latent side effects could emerge in time.

Gill goes on to illustrate how the vaccine formulation process was dramatically rushed under the FDA’s Emergency Use Authorization and adds that profit incentives likely played a role:

"It’s going to affect my heart, and I’m going to die. And nobody’s talking about that."

Leslie recorded another colleague, Pfizer’s pharmaceutical formulation scientist Ramin Darvari, who raised the since-validated concern that repeat booster intake could damage the cardiovascular system:

None of these claims will be shocking to hear in 2024, but it is telling that high-level Pfizer researchers were discussing these topics in private while the company assured the public of “no serious safety concerns” upon the jab’s release:

Vaccine for Children is a Different Formulation

Leslie sent me a little-known FDA-Pfizer conference — a 7-hour Zoom meeting published in tandem with the approval of the vaccine for 5 – 11 year-olds — during which Pfizer’s vice presidents of vaccine research and development, Nicholas Warne and William Gruber, discussed a last-minute change to the vaccine’s “buffer” — from “PBS” to “Tris” — to improve its shelf life. For about 30 seconds of these 7 hours, Gruber acknowledged that the new formula was NOT the one used in clinical trials (emphasis mine):


“The studies were done using the same volume… but contained the PBS buffer. We obviously had extensive consultations with the FDA and it was determined that the clinical studies were not required because, again, the LNP and the MRNA are the same and the behavior — in terms of reactogenicity and efficacy — are expected to be the same.

According to Leslie, the tweaked “buffer” dramatically changed the temperature needed for storage: “Before they changed this last step of the formulation, the formula was to be kept at -80 degrees Celsius. After they changed the last step, we kept them at 2 to 8 degrees celsius,” Leslie told me.

The claims are backed up in the referenced video presentation:

I’m no vaccinologist but an 80-degree temperature delta — and a 5x shelf-life in a warmer climate — seems like a significant change that might warrant clinical trials before commercial release.

Despite this information technically being public, there has been virtually no media scrutiny or even coverage — and in fact, most were told the vaccine for children was the same formula but just a smaller dose — which is perhaps due to a combination of the information being buried within a 7-hour jargon-filled presentation and our media being totally dysfunctional.

Bohemian Grove?

Leslie’s 2-hour long documentary on his experience at both Pfizer and O’Keefe’s companies concludes on an interesting note: James O’Keefe attended an outing at the Bohemian Grove.

Leslie offers this photo of James’ Bohemian Grove “GATE” slip as evidence, left on his work desk atop a copy of his book, “American Muckraker”:

My thoughts on the Bohemian Grove: my good friend’s dad was its general manager for several decades. From what I have gathered through that connection, the Bohemian Grove is not some version of the Illuminati, at least not in the institutional sense.

Do powerful elites hangout there? Absolutely. Do they discuss their plans for the world while hanging out there? I’m sure it has happened. Do they have a weird ritual with a giant owl? Yep, Alex Jones showed that to the world.

My perspective is based on conversations with my friend and my belief that his father is not lying to him. I could be wrong and am open to evidence — like if boxer Ryan Garcia decides to produce evidence regarding his rape claims — and I do find it a bit strange the club would invite O’Keefe who is notorious for covertly filming, but Occam’s razor would lead me to believe the club is — as it was under my friend’s dad — run by boomer conservatives the extent of whose politics include disliking wokeness, immigration, and Biden (common subjects of O’Keefe’s work).

Therefore, I don’t find O’Keefe’s visit to the club indicative that he is some sort of Operation Mockingbird asset as Leslie tries to depict (however Mockingbird is a 100% legitimate conspiracy). I have also met James several times and even came close to joining OMG. While I disagreed with James on the significance of many of his stories — finding some to be overhyped and showy — I never doubted his conviction in them.

As for why Leslie’s story was squashed… all my sources told me it was to avoid jail time for Veritas executives.

Feel free to watch Leslie’s full documentary here and decide for yourself.

Fun fact — Justin Leslie was also the operative behind this mega-viral Project Veritas story where Pfizer’s director of R&D claimed the company was privately mutating COVID-19 behind closed doors:

Tyler Durden Tue, 03/12/2024 - 13:40

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Association of prenatal vitamins and metals with epigenetic aging at birth and in childhood

“[…] our findings support the hypothesis that the intrauterine environment, particularly essential and non-essential metals, affect epigenetic aging…

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“[…] our findings support the hypothesis that the intrauterine environment, particularly essential and non-essential metals, affect epigenetic aging biomarkers across the life course.”

Credit: 2024 Bozack et al.

“[…] our findings support the hypothesis that the intrauterine environment, particularly essential and non-essential metals, affect epigenetic aging biomarkers across the life course.”

BUFFALO, NY- March 12, 2024 – A new research paper was published in Aging (listed by MEDLINE/PubMed as “Aging (Albany NY)” and “Aging-US” by Web of Science) Volume 16, Issue 4, entitled, “Associations of prenatal one-carbon metabolism nutrients and metals with epigenetic aging biomarkers at birth and in childhood in a US cohort.”

Epigenetic gestational age acceleration (EGAA) at birth and epigenetic age acceleration (EAA) in childhood may be biomarkers of the intrauterine environment. In this new study, researchers Anne K. Bozack, Sheryl L. Rifas-Shiman, Andrea A. Baccarelli, Robert O. Wright, Diane R. Gold, Emily Oken, Marie-France Hivert, and Andres Cardenas from Stanford University School of Medicine, Harvard Medical School, Harvard T.H. Chan School of Public Health, Columbia University, and Icahn School of Medicine at Mount Sinai investigated the extent to which first-trimester folate, B12, 5 essential and 7 non-essential metals in maternal circulation are associated with EGAA and EAA in early life. 

“[…] we hypothesized that OCM [one-carbon metabolism] nutrients and essential metals would be positively associated with EGAA and non-essential metals would be negatively associated with EGAA. We also investigated nonlinear associations and associations with mixtures of micronutrients and metals.”

Bohlin EGAA and Horvath pan-tissue and skin and blood EAA were calculated using DNA methylation measured in cord blood (N=351) and mid-childhood blood (N=326; median age = 7.7 years) in the Project Viva pre-birth cohort. A one standard deviation increase in individual essential metals (copper, manganese, and zinc) was associated with 0.94-1.2 weeks lower Horvath EAA at birth, and patterns of exposures identified by exploratory factor analysis suggested that a common source of essential metals was associated with Horvath EAA. The researchers also observed evidence of nonlinear associations of zinc with Bohlin EGAA, magnesium and lead with Horvath EAA, and cesium with skin and blood EAA at birth. Overall, associations at birth did not persist in mid-childhood; however, arsenic was associated with greater EAA at birth and in childhood. 

“Prenatal metals, including essential metals and arsenic, are associated with epigenetic aging in early life, which might be associated with future health.”

 

Read the full paper: DOI: https://doi.org/10.18632/aging.205602 

Corresponding Author: Andres Cardenas

Corresponding Email: andres.cardenas@stanford.edu 

Keywords: epigenetic age acceleration, metals, folate, B12, prenatal exposures

Click here to sign up for free Altmetric alerts about this article.

 

About Aging:

Launched in 2009, Aging publishes papers of general interest and biological significance in all fields of aging research and age-related diseases, including cancer—and now, with a special focus on COVID-19 vulnerability as an age-dependent syndrome. Topics in Aging go beyond traditional gerontology, including, but not limited to, cellular and molecular biology, human age-related diseases, pathology in model organisms, signal transduction pathways (e.g., p53, sirtuins, and PI-3K/AKT/mTOR, among others), and approaches to modulating these signaling pathways.

Please visit our website at www.Aging-US.com​​ and connect with us:

  • Facebook
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  • Spotify, and available wherever you listen to podcasts

 

Click here to subscribe to Aging publication updates.

For media inquiries, please contact media@impactjournals.com.

 

Aging (Aging-US) Journal Office

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Orchard Park, NY 14127

Phone: 1-800-922-0957, option 1

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A beginner’s guide to the taxes you’ll hear about this election season

Everything you need to know about income tax, national insurance and more.

Cast Of Thousands/Shutterstock

National insurance, income tax, VAT, capital gains tax, inheritance tax… it’s easy to get confused about the many different ways we contribute to the cost of running the country. The budget announcement is the key time each year when the government shares its financial plans with us all, and announces changes that may make a tangible difference to what you pay.

But you’ll likely be hearing a lot more about taxes in the coming months – promises to cut or raise them are an easy win (or lose) for politicians in an election year. We may even get at least one “mini-budget”.

If you’ve recently entered the workforce or the housing market, you may still be wrapping your mind around all of these terms. Here is what you need to know about the different types of taxes and how they affect you.

The UK broadly uses three ways to collect tax:

1. When you earn money

If you are an employee or own a business, taxes are deducted from your salary or profits you make. For most people, this happens in two ways: income tax, and national insurance contributions (or NICs).

If you are self-employed, you will have to pay your taxes via an annual tax return assessment. You might also have to pay taxes this way for interest you earn on savings, dividends (distribution of profits from a company or shares you own) received and most other forms of income not taxed before you get it.

Around two-thirds of taxes collected come from people’s or business’ incomes in the UK.

2. When you spend money

VAT and excise duties are taxes on most goods and services you buy, with some exceptions like books and children’s clothing. About 20% of the total tax collected is VAT.

3. Taxes on wealth and assets

These are mainly taxes on the money you earn if you sell assets (like property or stocks) for more than you bought them for, or when you pass on assets in an inheritance. In the latter case in the UK, the recipient doesn’t pay this, it is the estate paying it out that must cover this if due. These taxes contribute only about 3% to the total tax collected.

You also likely have to pay council tax, which is set by the council you live in based on the value of your house or flat. It is paid by the user of the property, no matter if you own or rent. If you are a full-time student or on some apprenticeship schemes, you may get a deduction or not have to pay council tax at all.


Quarter life, a series by The Conversation

This article is part of Quarter Life, a series about issues affecting those of us in our 20s and 30s. From the challenges of beginning a career and taking care of our mental health, to the excitement of starting a family, adopting a pet or just making friends as an adult. The articles in this series explore the questions and bring answers as we navigate this turbulent period of life.

You may be interested in:

If you get your financial advice on social media, watch out for misinformation

Future graduates will pay more in student loan repayments – and the poorest will be worst affected

Selling on Vinted, Etsy or eBay? Here’s what you need to know about paying tax


Put together, these totalled almost £790 billion in 2022-23, which the government spends on public services such as the NHS, schools and social care. The government collects taxes from all sources and sets its spending plans accordingly, borrowing to make up any difference between the two.

Income tax

The amount of income tax you pay is determined by where your income sits in a series of “bands” set by the government. Almost everyone is entitled to a “personal allowance”, currently £12,570, which you can earn without needing to pay any income tax.

You then pay 20% in tax on each pound of income you earn (across all sources) from £12,570-£50,270. You pay 40% on each extra pound up to £125,140 and 45% over this. If you earn more than £100,000, the personal allowance (amount of untaxed income) starts to decrease.

If you are self-employed, the same rates apply to you. You just don’t have an employer to take this off your salary each month. Instead, you have to make sure you have enough money at the end of the year to pay this directly to the government.


Read more: Taxes aren't just about money – they shape how we think about each other


The government can increase the threshold limits to adjust for inflation. This tries to ensure any wage rise you get in response to higher prices doesn’t lead to you having to pay a higher tax rate. However, the government announced in 2021 that they would freeze these thresholds until 2026 (extended now to 2028), arguing that it would help repay the costs of the pandemic.

Given wages are now rising for many to help with the cost of living crisis, this means many people will pay more income tax this coming year than they did before. This is sometimes referred to as “fiscal drag” – where lower earners are “dragged” into paying higher tax rates, or being taxed on more of their income.

National insurance

National insurance contributions (NICs) are a second “tax” you pay on your income – or to be precise, on your earned income (your salary). You don’t pay this on some forms of income, including savings or dividends, and you also don’t pay it once you reach state retirement age (currently 66).

While Jeremy Hunt, the current chancellor of the exchequer, didn’t adjust income tax meaningfully in this year’s budget, he did announce a cut to NICs. This was a surprise to many, as we had already seen rates fall from 12% to 10% on incomes higher than £242/week in January. It will now fall again to 8% from April.


Read more: Budget 2024: experts explain what it means for taxpayers, businesses, borrowers and the NHS


While this is charged separately to income tax, in reality it all just goes into one pot with other taxes. Some, including the chancellor, say it is time to merge these two deductions and make this simpler for everyone. In his budget speech this year, Hunt said he’d like to see this tax go entirely. He thinks this isn’t fair on those who have to pay it, as it is only charged on some forms of income and on some workers.

I wouldn’t hold my breath for this to happen however, and even if it did, there are huge sums linked to NICs (nearly £180bn last year) so it would almost certainly have to be collected from elsewhere (such as via an increase in income taxes, or a lot more borrowing) to make sure the government could still balance its books.

A young black man sits at a home office desk with his feet up, looking at a mobile phone
Do you know how much tax you pay? Alex from the Rock/Shutterstock

Other taxes

There are likely to be further tweaks to the UK’s tax system soon, perhaps by the current government before the election – and almost certainly if there is a change of government.

Wealth taxes may be in line for a change. In the budget, the chancellor reduced capital gains taxes on sales of assets such as second properties (from 28% to 24%). These types of taxes provide only a limited amount of money to the government, as quite high thresholds apply for inheritance tax (up to £1 million if you are passing on a family home).

There are calls from many quarters though to look again at these types of taxes. Wealth inequality (the differences between total wealth held by the richest compared to the poorest) in the UK is very high (much higher than income inequality) and rising.

But how to do this effectively is a matter of much debate. A recent study suggested a one-off tax on total wealth held over a certain threshold might work. But wealth taxes are challenging to make work in practice, and both main political parties have already said this isn’t an option they are considering currently.

Andy Lymer and his colleagues at the Centre for Personal Financial Wellbeing at Aston University currently or have recently received funding for their research work from a variety of funding bodies including the UK's Money and Pension Service, the Aviva Foundation, Fair4All Finance, NEST Insight, the Gambling Commission, Vivid Housing and the ESRC, amongst others.

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