I do not think anyone should feel pressured into doing it but I am the sucker who will stop on the street and sign up to direct debits.

At 16, I got a part-time job selling double-glazing door to door. That was soul destroying but the worst part-time job I did was at university working on reception in a sexually transmitted disease clinic. Because no one else wanted to do it, they paid £8 an hour.

The most lucrative work I have done is presenting primetime TV shows. I do not know what other people earn but a six-figure salary is not uncommon.

I think it is outrageous - to lock people's money away and change the rules on them. So, on point of principle, I stopped putting money into my pension.

I never got into debt because my parents had drummed into me at a young age: if you can't afford it, you can't have it.

I just do not understand the stock market. It is like reading Russian.

We all like to think that if we were the victims of domestic abuse we'd up and leave - but it's not always as easy or straightforward as that. Women stay with abusive partners for all kinds of reasons - they love them, they fear them, they have children with them, they believe they can change them or they simply have no where else to go.

I now consider the money I put into my pension to have been a mistake.