Research has shown that 35 to 49-year-olds are worried they are not saving enough for retirement, with many facing several financial challenges. So, what can be done to help this ‘squeezed middle’ group of workers put more towards a pension?

The number of financial challenges, including debt, remains a problem for many, but it is those aged between 35 and 49 years old who are finding it most difficult to save.

The research found that around a third of people in this group think they could not come up with £1,000 in an emergency.

Darren Laverty, partner at Secondsight agreed: “It’s the most expensive period of your entire life.”

Based on his experience with people in the mid-career age group, “they can all do more if it’s important enough”.

“One thing that we’ve now done several thousand times and has made a significant difference is to actually cash flow-forecast people’s future,” Laverty suggested.

Read the rest of the article from Pensions Expert and Darren’s comments here.