Band 7.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.5 · Cambridge IELTS 19 · 2026-09-13

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 important for everyone, including young people, to save money for their future. To what extent do you agree or disagree?

Many people believe that saving money is an essential habit that everyone, including young people, should develop. I strongly agree with this view because saving provides financial security and helps individuals achieve their long-term goals.

One important reason why young people should save money is that it prepares them for unexpected situations. Life is unpredictable, and emergencies such as medical expenses, job loss, or family problems can occur at any time. Having savings allows people to deal with these difficulties without borrowing money or experiencing significant financial stress. For example, a university student who has saved part of his or her income from a part-time job may be able to cover unexpected educational expenses more easily than someone who spends all of their earnings.

Another reason is that saving helps young people achieve important future goals. Many ambitions, such as pursuing higher education, starting a business, purchasing a home, or travelling abroad, require substantial financial resources. By developing the habit of saving at an early age, individuals can gradually accumulate the funds needed to fulfil these objectives. Furthermore, learning to save encourages financial discipline and teaches young people how to manage their money responsibly.

However, some people argue that young people should spend more money on gaining experiences, developing skills, and enjoying their lives. While this viewpoint has some merit, it does not mean that saving should be ignored. A balanced approach is more beneficial, where young people allocate part of their income to current needs and personal development while still setting aside some money for the future.

In conclusion, I strongly agree that saving money is important for people of all ages, especially young individuals. Savings provide protection against unexpected problems and help people accomplish their long-term goals. Therefore, developing this habit early in life can lead to greater financial stability and success in the future.

AI examiner evaluation

Task Achievement / Task Response — Band 7.5

The response fully addresses all parts of the task by clearly stating and supporting a strong, consistent position on whether everyone, including young people, should save money. The introduction clearly outlines the writer's complete agreement with the statement. Body paragraphs are well-developed with relevant and logical ideas, such as preparing for unexpected emergencies and achieving long-term goals like education or purchasing a home. The counter-argument is thoughtfully considered and effectively rebutted with a balanced view regarding personal development and spending. Ideas are extended with appropriate explanations and examples, fulfilling the requirements for a high band score.

Coherence and Cohesion — Band 7.5

The response demonstrates a clear logical organization and progression throughout the essay. Each paragraph has a distinct central topic, starting with a strong thesis, moving through well-structured supporting body paragraphs, a concession paragraph, and a clear concluding summary. Cohesive devices such as 'One important reason', 'Another reason', 'Furthermore', and 'However' are used naturally and flexibly to guide the reader through the argument. Paragraphing is used sufficiently and appropriately, ensuring the overall structure is cohesive without appearing mechanical.

Lexical Resource — Band 6.5

The writer uses a sufficient and flexible range of vocabulary suited to an academic discussion on personal finance. Less common lexical items and collocations are used effectively throughout the text, such as 'financial security', 'unexpected situations', 'substantial financial resources', and 'financial discipline'. Word choice is generally precise and appropriate, with only occasional standard phrasing. Spelling and word formation are entirely accurate, which ensures that communication is smooth and effortless for the reader.

Grammatical Range and Accuracy — Band 7.5

The response exhibits a wide range of grammatical structures, including complex sentences featuring relative clauses, conditional ideas, and participial phrases, such as 'Many ambitions, such as pursuing higher education, starting a business, purchasing a home, or travelling abroad, require substantial financial resources.' The majority of sentences are completely error-free, demonstrating a high level of control over grammar and punctuation. Control over complex structures is strong, and there are no systematic errors that impede communication.

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