Band 7.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.5 · Cambridge IELTS 19 · 2026-09-10

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 7.5)

It is often argued that saving money is a responsibility that extends beyond adulthood to include young people as well. I fully agree with this statement, as early financial habits shape long-term security and instil valuable life skills.

Firstly, saving from a young age allows individuals to build a financial cushion well before major life expenses arise, such as university tuition, a first car, or a rental deposit. Young people who set aside even small amounts regularly are far better positioned to handle unexpected costs, like medical emergencies or job loss, without falling into debt. For instance, a student who saves part-time earnings throughout their studies enters adulthood with both capital and financial confidence, rather than starting from zero.

Secondly, the habit of saving is best formed early, since financial discipline learned in youth tends to persist into adulthood. Someone who never learns to budget or delay gratification as a teenager is more likely to struggle with money management later in life, regardless of income level. Schools and parents who encourage children to save a portion of allowances or gifts are effectively teaching a skill more valuable than the money itself.

Some may argue that young people should be free to enjoy their earnings without the pressure of saving, since they have fewer responsibilities. While occasional spending on experiences is reasonable, this should not come at the expense of building any savings habit at all, as the two are not mutually exclusive.

In conclusion, I strongly believe saving money is important for people of all ages, including the young, because it builds resilience and instils lifelong financial discipline.

AI examiner evaluation

Task Achievement / Task Response — Band 7.5

You have fully addressed all parts of the prompt. Your position is clear from the introduction and is maintained consistently throughout the essay. The ideas are well-developed, particularly the distinction between building a financial cushion and the long-term psychological benefits of financial discipline. You provide relevant examples, such as university tuition and part-time earnings, which support your arguments effectively. The response is balanced, acknowledging a counter-argument before refuting it, which demonstrates a sophisticated approach to the task. The ideas are extended logically, meeting the requirements for a high band score.

Coherence and Cohesion — Band 7.5

The essay is logically organized with a clear progression of ideas. Each paragraph has a central theme, and the transition between paragraphs is smooth. You use a variety of cohesive devices effectively, such as 'Firstly', 'Secondly', 'While', and 'In conclusion', which help guide the reader through your argument. The referencing is clear, and the paragraphing is used appropriately to separate distinct points. The flow of information is natural and unobtrusive, contributing to a very coherent piece of writing.

Lexical Resource — Band 7.5

You demonstrate a wide and flexible range of vocabulary. You use precise and sophisticated terms such as 'financial cushion', 'delay gratification', 'mutually exclusive', and 'resilience' with natural control. The collocation is generally accurate, and your word choices are appropriate for an academic context. There are no noticeable errors in word choice or spelling. The vocabulary is varied enough to allow for precise expression of your ideas, which is characteristic of a high-level response.

Grammatical Range and Accuracy — Band 8.0

You use a wide range of grammatical structures with high accuracy. Your sentences are complex and well-constructed, featuring a mix of subordinate and coordinate clauses, such as 'Young people who set aside even small amounts regularly are far better positioned...'. The punctuation is accurate throughout, and there are virtually no grammatical errors. The control over tense and agreement is excellent, and the writing is fluent and error-free, demonstrating a high level of grammatical competence.

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

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