Im afraid its time, i never thought i would see the day but i think we might have to start thinking about pulling out of the teacher pension scheme. With the changes that are being touted, they want almost £300 per month from me. I might not even get to spend it as they want me to work till i'm 68, who knows how much older they will want me to work. Will i even get any pension? Seriously once i am in my 70's how much longer will i have left. At least if i stick my £300 in a Cash ISA or something fairly solid i will have £200k or so to spend. Down size my house might see another £200k. Who knows but i never thought i would see the day where i would even consider this.