I'll admit it, old age poverty is one of my greatest fears. I will work against it at all cost. It turns out, I'm not the only one.
According to a UK survey, almost a third of people, 31%, aged 45 to 54 cite a lack of cash in their 70s and 80s as their top worry. This is followed by a loss of independence (26%) and dementia (23%).
I don't think about old age poverty very often but it's there at the back of my mind; I only think about it when I'm at the supermarket and I see someone who is well past it mopping the floors or swiping purchases.
So what about being old and poor scares me?
We would combine our money and live in a big house together with a couple of qualified nurses helping us take care of ourselves.
With this arrangement if someone's partner moved on to the next life we would still have each other for company. I've never thought about this co-op way of living before but thinking about it now feels good. I'll run it by my friends. What are you doing to stave poverty when you're old?
By Heather Katsonga-Woodward
I'm always thinking, debating, considering and revising my views - some of those deliberations will be shared right here.