Clearly the Treasury are hoping that we will all save for our old age, and be less reliant on the State for a living income, but the policies are not joined up - surprise, surprise.
The Child Trust Fund is a worthless joke, that is only worthwhile for the really wealthy as a way of making pension provision for babies in a tax-efficient way.
Students leave College or University drowning in debt, and then have to fund enormous mortgages on the back of a property boom.
I'm comparatively lucky, having enjoyed a fully funded University degree, but I struggled to pay a mortgage and a sensible amount into my pension for a few years. How today's students can expect to put anything aside is beyond me.
Just to make me feel older and ready for my pension, today is a child's birthday and there will be ten little children running around the house in under an hour!