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)

In today's world, saving money for future is an essential part of lives, either for older people or younger generation.

From my perspective, I totally agree with this point of view. Saving for future should be everyone's priority, especially at this period of time where globally things are becoming challenging and unpredictable due to wars and other influencing factors.

To begin with, During covid times, many businesses faced uncertain loss and few even had to shut down. Apart from this, people lost their jobs or their salaries were cut to half. In those difficult times, the one thing that reduced the burden the burden from thousands of families were savings. If I talk about my example, my mother saved emergency fund and those helped us survive.

After that, I started to learn more about savings and investing. I researched regarding various mutual funds, crypto currency, fixed deposits and other profitable as well as safe methods of saving money. It is crucial for schools and parents these days to teach their children about financial knowledge as this a skill that they will be benefitted through their whole lives. It should be compulsory for them to study subjects related to this. When I look back at my school syllabus, there weren't any beneficial monetary information taught, which was highly disappointing. Handling and learning to manage money from the early age would make people more concerned about how to utilise money with utmost care. Additionally, it teaches them to spend wisely and prevent to buy unnecessary things.

To conclude all in brief, Saving and investing for future should be taken care of, as in current times, it is not only a skill that needs to be learn, it has also become more of a necessity.

AI examiner evaluation

Task Achievement / Task Response: Band 7.0

Your position is clear throughout: you strongly agree that saving matters for people of all ages. You support this with a relevant example of families relying on savings during the pandemic, including your mother’s emergency fund, and you explain why financial education could help young people manage money. These points address the prompt and are extended with reasons and personal experience. However, the discussion of teaching finance in schools takes up considerable space without fully explaining how saving benefits young people specifically over the longer term. The references to wars and other global challenges are also broad. Develop these points with a more precise example, such as how savings can fund education or provide security when a young person begins working, to make the argument more fully developed and balanced.

Coherence and Cohesion: Band 6.5

The response has a clear overall structure: an introduction states your view, the body paragraphs develop supporting points, and the conclusion restates your position. The progression from the pandemic example to financial education is understandable, and phrases such as “To begin with” and “Additionally” help signal relationships between ideas. This gives the essay a coherent arrangement. At times, however, linking feels mechanical: “After that” does not clearly express the relationship between the pandemic example and your discussion of financial learning. Some references are also unclear, as in “those helped us survive,” where the reader must infer that “those” means the savings. Use more precise referencing and connect each paragraph’s main idea explicitly to your central argument; this would make the progression smoother and more flexible.

Lexical Resource: Band 6.0

You use an adequate range of vocabulary for the topic, including “emergency fund,” “mutual funds,” “fixed deposits,” “financial knowledge,” and “utilise money.” These choices show an effort to discuss saving and financial education with some specificity, and the meaning is generally clear. Some word choices and collocations are inaccurate or unnatural, however: “uncertain loss,” “influencing factors,” and “monetary information” do not express your intended meanings precisely. There is also repetition in “the burden the burden.” Aim for more natural combinations, such as “financial losses,” “contributing factors,” and “financial education.” More precise vocabulary would help you explain the benefits of saving without relying on broad expressions such as “profitable as well as safe methods.”

Grammatical Range and Accuracy: Band 6.0

You use a mix of simple and complex sentence forms, including a conditional structure in “where globally things are becoming challenging” and a relative clause in “a skill that they will be benefitted through their whole lives.” Most sentences communicate the intended meaning, and the essay includes some effective longer sentences. There are nevertheless some errors in articles, agreement, verb forms, and sentence construction. For example, “saving money for future” needs an article, “those helped us survive” has unclear agreement with “fund,” and “a skill that needs to be learn” uses the wrong verb form. The sentence beginning “It is crucial for schools and parents” also shifts into “this a skill” without the required verb. Review these patterns and proofread for complete, grammatically controlled sentences.

See this exact question answered at other band scores. The same prompt compared across bands.

Browse more IELTS Writing model answers or get your own writing scored by the same AI examiner.