Pensions - should we be worried?
17 February 2013 Last updated at 13:39 GMT
If you are young enough you don't think about it. If you are old enough you are probably worrying about it. Pensions are a big problem. More people are drawing them and fewer people are contributing. As the UK government warns us to take more responsibility for our retirement, there's a warning Scotland will enter the pension crisis before the rest of the UK.