📌 BORN BEFORE 1966? Urgent 2026 State Pension Warning (Share With Family!)

The State Pension does not treat everyone the same — and the year you were born decides which rules land on you, what you're owed, and the mistakes that could quietly cost you. In this one I split it into four birth groups and tell you exactly what to check for yours. I've spent years helping people make sense of letters from the DWP and HMRC, and I've watched too many folk find out the important bits far too late. Let me walk you through it in plain English, group by group. What I cover in this video: Born before April 1960 — the inherited pension widows and widowers keep missing, and the tax letter landing on more doormats every year Born April 1960 to March 1961 — why your pension age is 67, not 65, and the two-year income gap catching people out Born March 1961 to April 1977 — filling National Insurance gaps that are still fixable, and the Marriage Allowance refund worth over £1,000 Born after April 1977 — checking your record early and why the ISA is the best deal going at your age The one job each group needs to do this week Key figures for 2026/27: Full new State Pension: £241.30 a week (about £12,548 a year) Personal allowance: frozen at £12,570 — the gap is now tiny State Pension age: rising from 66 to 67 (April 2026 to April 2028), with 68 under current law for younger workers Buying back a missing NI year: roughly £950, for a few hundred pounds a year of pension for life Marriage Allowance: £252 a year, backdatable for a refund over £1,000 ISA allowance: £20,000 a year, sheltered from income and capital gains tax A quick word: I'm sharing general information from years of experience, not personal financial advice. Your own position depends on your National Insurance record and circumstances. For free, impartial guidance, the government's Pension Wise service (through MoneyHelper) is the right place to start, and Citizens Advice can help too. If this was useful, give it a like and subscribe — I put out plain-English videos on UK pensions, tax and money every week. And share it with someone you know who's in one of these groups. One conversation could make a real difference to their retirement. #StatePension #UKPensions #RetirementPlanning #StatePensionAge #MarriageAllowance #NationalInsurance #DWP #HMRC #RetirementUK #PensionAdviceUK