In my opinion, due to the fact that today it is so difficult to find the right employees, the pension scheme has to change. A person born in 1960, can retire at age 64. Now, if he/she has paid enough NI contributions, exactly 35 years or more, they can retire at 61, but cannot work until the age of 64. This can easily change and they can still get their pension at 61 and be allowed to work. They will all be paying tax and NI, so more income for the govt and they will assist to overcome this employee shortage. Moreover, more money to be earned and obviously to be spent. I sincerely hope this is doable.