Have you saved enough for retirement?

Many people will not be able to afford to retire before they reach 70, a report suggests. Tell us if you're worried about old age

Will you still be looking for work in your 70s? Photograph: Roger Bamber/Alamy

Open thread

Workers in their 40s and 50s have been badly affected by recent economic problems in the UK, according to a new report. Coupled with the average property debt that people in this age bracket are often responsible for, research suggests that for many, retirement may have to be delayed until at least 70.
A survey by Scottish Widows suggests that one in five people are not saving for retirement at all, and a third are not saving enough. Have you carefully planned your retirement fund? Have you set by extra money each month to ensure that you'll live comfortably in your old age? Has your pension plan collapsed, and you have no idea how you'll manage when you retire? Tell us your pension arrangements and let us know if you'll have to work later in life.