But, because, we are all, thankfully, living longer, and there's not as many babies being born- the books don't seem to be balancing so who will pay for our pensions once we hit the state pension age? A research report out this week by the International Longevity Centre, said that we would all have to keep working until we were 71 in order to keep the number of workers per pensioner at the level it is now. Is it realistic to ask people to work into their seventies? Is it the only way that pensions can be funded? Presenter Audrey Carville in conversation with the general secretary of the trade union NIPSA Carmel Gates, self-employed recruitment specialist Cathy Moran, and Helen Morrissey, head of retirement analysis, at Hargreaves Lansdown asset management company.