Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 19 · 2026-10-10

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 6.0)

Many people argue that it is very important for everyone, including the young people, to save money for their future. I completely agree with the statement, while some young adults disagree and debates that these years of their lives are for the enjoyment and won't come again.

Saving the money for the good future life is very important for all group ages, because we don't know and we can't predict, when any bad patch comes in the life and any type of the financial loss will occur, in terms of losing the job or facing any kind of loss in the business investment. The people who used to save money at their young age have ability to make better future planning, when they get retired and even before, when they need money at any time while in the life.

People who has habit to save money in their young age take the better decisions in future. For example, my father at the age of 22 starts his own business and invested the profit in to different housing schemes and never wasted that money into parties. The money he invested is now 3x of what he invests at that time and has better retirement plans and will live the rest of his life happily without the need of any work to do. On the other hand, people who don't save their money at young age will not able to build that habit in future as well, which leads them into worst condition when they need money and they don't have enough to fulfill their needs.

Conclusion, the habit to save the money is very important for the people of all ages, inlcuding the young ones, which helped them to make better future planning. People who wasted money in entertainment and enjoyments at young age, leads them into worst conditions when they need money. All of us need to build the habit of saving money for the sake of living a better life financially.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear from the opening: “I completely agree,” and the response stays focused on why saving can protect people from financial setbacks and support retirement. The example of your father’s business and housing investments gives the argument relevant personal support. This meets the task well, and the response also shows some development beyond simply stating an opinion. However, the discussion of the opposing view is only briefly introduced, and the claim that young people who do not save will be unable to develop the habit later is asserted rather than explained. To strengthen the response further, develop that counterargument and qualify broad claims with clearer reasoning or evidence.

Coherence and Cohesion: Band 6.0

The response has a recognisable overall structure: an introduction, supporting paragraphs, and a conclusion. Ideas generally progress from the risks of financial uncertainty to a personal example and then to the consequences of not saving. However, cohesion is sometimes mechanical, particularly through repeated references to “people who save” and “people who don't save,” and the conclusion largely repeats earlier points. Some links are also unclear: “On the other hand” introduces a related consequence rather than a contrasting perspective, while “Conclusion” is used as a sentence opener without a clear linking structure. Use more precise referencing and organise each paragraph around a distinct point to make the progression smoother.

Lexical Resource: Band 5.5

You use enough topic vocabulary to communicate your main ideas, including “financial loss,” “business investment,” “retired,” and “retirement plans.” There are also attempts at more specific language, such as “housing schemes,” although some choices are inaccurate or unnatural and reduce precision. Examples include “good future life,” “bad patch comes in the life,” and “worst condition”; spelling errors such as “inlcuding” also affect accuracy. These issues do not prevent the reader from understanding the overall argument, but the range and control remain limited. Build a bank of natural collocations for finance and use them consistently, checking word forms and spelling during revision.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and complex sentences, including a conditional idea in “when they need money at any time” and a longer explanation of financial uncertainty. However, control is inconsistent, and errors in verb forms, agreement, articles, and sentence construction recur. For example, “People who has habit” should use a plural verb and a more complete noun phrase, while “my father … starts his own business and invested” shifts tense. The opening sentence also contains an awkwardly joined contrast, and the final paragraph has an incomplete construction in “People who wasted money … leads them.” Practise accurate past-tense narration and subject–verb agreement, then check each sentence for a clear grammatical structure.

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