Should I Pay NI Gaps or Save the Money - Search Videos

Did you know you can still build up your State Pension even if you’re not working? 👀 This is done through National Insurance credits, and they can be incredibly valuable for your retirement. National Insurance credits help fill gaps in your NI record, counting towards the 35 qualifying years usually needed for the full new State Pension. Many people earn these credits automatically through certain benefits, without realising it. Some of the main benefits that give you NI credits include Child B

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Should I pay to fill gaps in my state pension record?

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Pay gaps exist, but the real issue runs deeper. It’s not just about salary—it’s about net worth, investments, and long-term financial security. A 2020 study found that for every £1 a white British person earns, Black Caribbean workers earn 20p, Black African workers earn 10p. The numbers don’t lie. Earning more is one thing. Building wealth is what actually changes the game.

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