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    These are choices that we all make Howard.

    In my job I have seen many people who would prefer to spend £200 a month on ciggies and even more on booze but will not put a penny into a pension or other investment to help them in old age. Maybe their lifestyles will kill them early so they will be proved right, but then if they do live to retirement age, they have a problem.... What is wrong though that having made those decisions they should not expect to be bailed out by the benefit system with means tested benefits. Once they have made their bed they must lay in it. That said, I have to add that many of the older retired in particular did not have the investment opportunites and choices that following generations have and that must be taken into account.

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