>> >>she has already "cashed in" her pension early.
>>
>> What does she expect to live on, the state pension topped up by pension credits,
>> paid for by the rest of us?
>> I'd steer well clear of somebody with that sort of fiscal acumen.
You have no idea why or for what she cashed her pension in on or how it will affect state payments later.
She may, for example, have cashed it in to pay her mortgage off. Meaning she will not need pension credits, and may have something to sell to pay her care costs in old age.
Real humbug there BT you MOG.
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