Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · Cambridge IELTS 19 · 2026-11-10

IELTS Writing Task 2 question

It is important for everyone, including young people, to save money for their future.

To what extent do you agree or disagree with this statement?

Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Student answer (Band 6.5)

It is believed saving money is important for everyone's future, also for the youngest. In my opinion saving is useful for the future since it can be unpredictable, however it is also important to do exciting experiences while still young, that cannot be done as adults or elderly age. Therefore, I do not agree with the statement, but I think that saving should be balanced with spending money in order to experience things such as travelling, but still being able to face the unexpected.

First of all, saving can be important for the future, especially if something unexpected happens. Multiple things can happen during someone's life, such as unpredicted expenses. For instance, if there is suddenly a health issue, it is necessary to have some money saved in order to buy the prescribed medication or to be visited by the best doctor. Therefore, it is fundamental to save a sufficient amount of money to be prepared in case something happens in the future.

At the same time, even though it is important to save, I also believe that saving should be balanced with spending money in order to live lifechanging experiences. For example, while saving money for the future, some can be spent to travel and explore the world. Even though the capital available would be less in the next years, these kind of experiences at a young age can shape the identity and consequently the individual behaviour, helping with the future career and life.

To conclude, saving money can be useful in the future, but I also believe it should be balanced and combined with spending them for the right experiences, such as travelling, in order to be prepared for unexpected events but still living the life while young.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear: you disagree with saving as an absolute priority and argue for balancing it with spending on meaningful experiences. You address both sides with relevant support, including unexpected medical costs and travel’s potential to shape a young person’s identity and future. The medical example is explained clearly, while the travel point would benefit from more specific development—for instance, explaining how travel might build particular skills or broaden career opportunities. The response therefore covers the task and gives a consistent viewpoint, but some ideas are more fully supported than others. To strengthen the argument, clarify the extent of your disagreement and explain what a sensible balance between saving and spending might involve.

Coherence and Cohesion: Band 7.0

The response has a clear overall progression: the introduction presents your position, the two body paragraphs consider saving and spending, and the conclusion restates the balance you support. Paragraphing is appropriate, and signposts such as “First of all,” “At the same time,” and “To conclude” help readers follow the argument. Some linking is a little mechanical, however, and “Therefore” appears repeatedly to introduce conclusions that could be integrated more smoothly. The relationship between the two sides could also be made more explicit: for example, connect the medical-savings example to your later claim that young people should still spend on experiences. More varied transitions and clearer links between examples and the central argument would make the progression feel more flexible.

Lexical Resource: Band 6.5

You use an adequate range of vocabulary to discuss financial planning and personal development, including “unpredicted expenses,” “prescribed medication,” “sufficient amount,” and “shape the identity.” These choices communicate the main ideas, and the topic vocabulary is generally appropriate. Some expressions are imprecise or unnatural, such as “the youngest,” “lifechanging experiences,” and “spending them,” while “the best doctor” is a broad, unsupported description. There is also some repetition of “saving,” “future,” and “experiences.” Aim for more natural collocations and precise wording—for example, refer to “young people,” “life-changing experiences,” and “spending some of that money.” This would improve flexibility and accuracy without changing your argument.

Grammatical Range and Accuracy: Band 6.5

You use a mix of simple and complex structures, including conditional and concessive clauses: “if there is suddenly a health issue” and “Even though the capital available would be less…” These help express cause, contrast, and possibility, and the meaning remains clear. Some grammatical errors persist. In the opening, “It is believed saving money…” needs “that” after “believed”; the first sentence also joins two independent ideas with a comma. In “these kind of experiences,” the demonstrative and noun do not agree, and “while still young” would be clearer with an explicit subject. Review sentence boundaries, agreement, and clause construction, while continuing to use varied structures. More consistent accuracy in these areas would make the argument easier to read.

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