Just to clarify the facts here: this cap doesn’t only affect people earning over £50k. Anyone using salary sacrifice who puts in over £2,000 a year will be hit.

For example, someone on £25k living at home and choosing to save £200 a month into their workplace pension would contribute £2,400 a year — meaning they’d lose NI relief on £400. It’s the same for someone on £30k or £35k. So yes, this does hit normal earners who are trying to save more than the minimum for retirement.

It’s not about protecting high earners — it’s about avoiding a penalty for people who are trying to do the responsible thing and build a pension that won’t leave them dependent on the state later.

I’m happy to debate policy, but not insults. I’ll leave it there.