Band 5.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.5 · Cambridge IELTS 19 · 2026-11-14

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 5.5)

Some individuals believe that saving up money for their futurue is crucial for people including youngsters. I partially disagree with this statement as i believe an individual will always be able to make money but not be able to relive their life spent making money and not using them to enjoy.

Some youngsters stress too much about their future career and if they will be able to afford things iin the furute and this leads to them being ndepresssed and having anxiety. Yiungsters work long hoiuras to be able to save up for their future and neglect their presently neeeds this results in them falling sick anbd not being able to enjoy their life, for example student tertiary education students wokr part time alongside their university to be able to save up for their rent and tuition but they end up burning out theirselves. This is a generational mindset in which people since ages have believed they should be sahving up money for their future.

i believe individuals including youngsters should be able to live their life to the fullesat as they can never relive those moments for example if they want to travel they should spend their money instead of worrying about their future as nobody knows when it could be the las time they could be having the choice of travelling. Once you reach the oldage your body does not allow you to do dangerous fun activities like hiking or paragliding.

however, at ur old age any sickness or health issue might require you to pay random money that you might be able to only pay if you had saved up money but i believe restrciting your life just because of the fear of sickness is not worth it. Goverments should be able to pay up for the costly operations with the help of insurance.

in conclusion, its more vitalfor erveryone to enjoy and make the most out of their life and not worry about their savings.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is identifiable: you partially disagree because young people should enjoy life rather than focus excessively on saving, while acknowledging that savings can help with unexpected health costs. The examples about students working alongside university and older people being less able to hike or paraglide make the discussion relevant. However, the response addresses the issue only partly: it gives much more attention to the costs of saving than to why saving for the future may be important, and the counterargument about illness is brief. The claim that governments should pay for costly operations is also asserted without explaining how this would work. Develop both sides more evenly and explain how your examples support a clear, consistent position.

Coherence and Cohesion: Band 5.5

The response has a recognisable overall structure, moving from your position to reasons, a counterpoint and a conclusion. Paragraph breaks help distinguish these stages, and examples generally follow the ideas they illustrate. However, progression within paragraphs is sometimes difficult to follow: the discussion shifts from anxiety to student work and then to a generational mindset without clearly connecting these points. Linking phrases such as “however” and “for example” are used, but the relationships between some claims remain unclear, and the final paragraph repeats the central preference for enjoying life rather than adding a developed conclusion. Organise each body paragraph around one main reason, then explain and illustrate it in a clear sequence; use references and transitions to show how each point relates to your position.

Lexical Resource: Band 5.0

You use some relevant vocabulary for the topic, including “future career,” “burning out,” “insurance,” and “costly operations,” and these choices help communicate your main concerns. However, the range is limited and several expressions are inaccurate or awkward, which sometimes makes the reader work to understand the intended meaning. Examples include “save up money for their future,” “random money,” and “restricting your life just because of the fear of sickness.” Spelling errors such as “futurue,” “youngsters,” and “goverments” are also noticeable. Build a more precise set of phrases for discussing financial planning and its benefits, and check spelling and collocations carefully. More accurate wording would make your ideas clearer and more convincing.

Grammatical Range and Accuracy: Band 5.5

You attempt both simple and complex sentences, including a conditional idea in “if they want to travel they should spend their money” and a contrast introduced by “however.” This shows some ability to connect clauses, but control is inconsistent. Several sentences run together or contain unclear clause relationships, particularly the long sentence beginning “Youngsters work long hours,” which combines work, neglecting needs, illness and an example without clear punctuation. There are also errors in agreement and sentence construction, as in “their body does not allow you” and “student tertiary education students work.” Use shorter, complete sentences when presenting several points, and check subject–verb agreement, pronoun consistency and punctuation. This will make your reasoning easier to follow.

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