Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 19 · 2026-10-28

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 5.0)

Nowadays, it is important for everyone, including young people to save money for their future because it helps us for education, health, life insurance, and to solve different problem. I agree with this statement.

Overall, saving money for future is a good thing in our life because it solves our several problems and we can do whatever comes is our mind from money. Money is the powerful thing in the world it can buy everything. Young people need to save money in their future because we don't know what is happening in future it happens a lot of difficulties such as loan in bank or health issues. To prevent these types of challenges we have to save money for future.

In detail, many families is depending on our children to bring money. They have responsibilities to get everything that cost from money. For our future education it also play a huge role in our life. Although it is very important we have to save money. We have to predict our future what will happen by thinking this all young people have to save money for their future.

In my view, if we have a money we can do various things in our life and we can be successful person. For instance, my friend who always saves money for her future she has no problem in her life.

In contrast, Money is the essential thing in our daily life it helps us to buy something we need, it prevents our problem and when we have a stress about money it also reduces stress.

In conclusion, young people have to save money for their bright future, education, shelter, family, health and other various things. When we save money it can remove our most of the obstacle.

AI examiner evaluation

Task Achievement / Task Response: Band 5.5

Your position is clear: you agree that young people should save, and you give relevant reasons including education, health costs, family responsibilities and unexpected difficulties. The personal example about your friend also supports the topic, though it is too brief to show how saving helped her. The response addresses the question, but development is limited: several points repeat the general claim that money solves problems, while the opening mentions life insurance without explaining it. The statement that money “can buy everything” is also an over-generalisation. To strengthen the response, explain two or three reasons in more depth and show how saving leads to a specific future benefit. The response meets the stated length requirement; 14 words copied from the task prompt were not counted.

Coherence and Cohesion: Band 4.5

The response has an introduction, several body paragraphs and a conclusion, so the reader can identify its overall topic and your position. However, progression between ideas is not consistently clear. The paragraph beginning “In detail” moves from family responsibilities to education and then to predicting the future without developing a single central point. “In contrast” introduces an opposing relationship, but the sentence that follows continues to support saving rather than presenting a contrast. Linking phrases such as “Overall,” “In my view” and “In conclusion” are used, but some feel repetitive or do not accurately signal the relationship between ideas. Group related reasons into focused paragraphs, use clear topic sentences, and connect each example directly to the point it supports.

Lexical Resource: Band 5.0

You use enough topic-related vocabulary to communicate the main ideas, including “education,” “health issues,” “responsibilities,” “shelter” and “obstacle.” However, the range is limited and several words or phrases are repeated, especially “save money,” “future” and “problem.” Some choices are imprecise or unnatural, such as “do whatever comes is our mind from money,” “a stress about money” and “remove our most of the obstacle.” These expressions make parts of the argument harder to follow, even though the general meaning is usually recoverable. Aim for more precise financial vocabulary and natural collocations, such as describing savings as a “financial safety net” or saying they “reduce financial pressure.” Check word forms and phrasing when revising.

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and longer sentences, including a reason clause beginning “because” and a conditional structure in “when we have a stress about money.” However, the range is limited, and errors occur frequently enough to make some sentences difficult to read. For example, “many families is depending” has incorrect subject–verb agreement, while “it also play a huge role” does not agree with its subject. The sentence “Money is the powerful thing in the world it can buy everything” joins two independent clauses without suitable punctuation. There are also problems with articles and sentence construction, as in “we can be successful person.” Practise checking agreement, articles and sentence boundaries, and build more accurate complex sentences before adding further clauses.

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