Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · Cambridge IELTS 19 · 2026-08-17

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)

We live in a materialistic world where everyone is solely focused on becoming richer. Consequently, saving money for the future has become vital for all, including the younger generation. I wholeheartedly agree with this statement and in this essay we shall discuss more about this topic.

With the ever increasing inflation, saving money for the future is non-negotiable for the younger generation. The money saved would be a great investment for their future education goals. Having a good bank balance provides a sense of stability and liberty, allowing individuals to go for higher studies which would in turn advance their career as well. For instance, a cousin of mine who started working as a software engineer right after his Bachelor's degree saved up enough to do his master's abroad and as a result, got a promotion at his firm due to better education qualifications.

Furthermore, life is very unpredictable and saving up for potential future medical bills is extremely crucial. In hard times, friends and relatives can be good for emotional support, but when it comes to paying the hospital bill, the responsibility falls upon the sick person themselves. Thus, it is important to save enough to be able to get required treatment done for oneself when in need.

On the contrary, some people have the opinion that life should be lived to the fullest and and the youth especially need not burden themselves with such heavy responsibilities. Money does not hold much value, but the experiences that it brings does. If the youth will keep saving up money, they would become miser and forget how to let lose for a bit.

To recapitulate, different people have different opinions about saving up money, but the merits outweigh the demerits. Mindful spending and saving money adds to financial stability and independence along with providing sense of security for the future.

AI examiner evaluation

Task Achievement / Task Response — Band 6.5

You have clearly addressed the prompt and maintained a consistent position throughout the essay. The introduction sets the stage well, and the body paragraphs provide relevant arguments, such as the importance of education and medical preparedness. The counter-argument is also acknowledged, which adds depth to your response. To reach a higher band, ensure that your supporting examples are fully integrated; for instance, the example about your cousin is good, but you could further explain how this relates to the broader concept of 'financial literacy' for the youth. Overall, the ideas are well-developed and the response is fully relevant to the task.

Coherence and Cohesion — Band 6.5

The essay is logically organized with a clear progression of ideas. Each paragraph has a central theme, and you use transition words like 'Consequently', 'Furthermore', and 'To recapitulate' effectively to guide the reader. However, some cohesive devices feel slightly mechanical or repetitive. For example, the transition between the counter-argument and the conclusion could be smoother. Additionally, ensure that referencing is always precise; in the final paragraph, 'merits outweigh the demerits' is a good summary, but ensure the link back to the specific topic of 'saving money' remains explicit throughout the paragraph structure.

Lexical Resource — Band 6.0

You demonstrate an adequate range of vocabulary for the task, using terms like 'non-negotiable', 'financial stability', and 'materialistic'. There are some minor inaccuracies in word choice, such as 'become miser' (should be 'become a miser' or 'miserly') and 'let lose' (should be 'let loose'). While these errors do not impede communication, they prevent the essay from reaching a higher band. To improve, try to incorporate more precise collocations and less common lexical items to show greater flexibility and sophistication in your writing.

Grammatical Range and Accuracy — Band 6.0

You use a mix of simple and complex sentence structures, which is appropriate for this level. There are some grammatical slips, such as 'the experiences that it brings does' (should be 'do') and 'some people have the opinion that' (more naturally 'are of the opinion that'). Punctuation is generally sound, though there is a minor error with a repeated word ('and and'). The majority of your sentences are clear and error-free, but to achieve a higher score, you should aim for more consistent control over complex grammatical structures and ensure subject-verb agreement is always accurate.

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

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