Most of us had some level of financial concerns, but 23% had none. Many had more than one area of concern, the biggest being retirement. It is significant that in the lifetime of this group, mostly born after 1975, many public services have been cut back or withdrawn. We grew up believing that we would have reasonable pensions and that our children would benefit from free education and health provisions. This is no longer the case, but many of us have not adapted in time to ensure good private provisions. We need to inform those who follow to start making the required savings early enough.