The fall of the Tory party

That's what a decent pension costs. A lot of the current pensioners, that aren't in poverty, have final salary pensions that don't exist today. There are going to be a lot more pensioners in the coming decades with tiny defined contribution pots that are going to have real difficulty making ends meet.

Sure, but you do realise that your employer contributing 20.6% (on top of the 12.5% you're forced to contribute) is way way way way beyond what most people have.

Most people's employers are contributing just 3%, and that's only because it's the statutory minimum, and that minimum only came in in the last few years. Before that millions of people had no employer contributions towards pensions.

So, compare the 33.1% that is going into your pension each year with the 8% statutory minimum for millions of others.

(Don't get me wrong, I absolutely don't begrudge the NHS for contributing that much into your pension. As snotty says, you are very much not the bad guy.)