With Tuesday's Green Paper on the future of the pensions system, the government has put the issue of how we provide for ourselves in retirement back at the top of the agenda.

The government has signalled its intention to make the retirement age more flexible.

It could mean that people will be encouraged to work beyond the usual retirement age of 65 and not take their state pension until they are 70.

Alan Pickering, author of a government review into the pensions system, told Working Lunch that he backs the idea of people working for longer.

Alan Pickering: re-skilling could help pensions crisis

"There's lots of job opportunities out there," says Alan.

"We need to make sure that people have access to life-long learning.

"The longer we learn, the longer we can earn, The more we earn, the more we can save."

Preparation

In our website questionnaire we asked you how you have prepared for retirement.

The results reveal that Working Lunch viewers are, on average, better prepared than the nation as a whole.

86% of you have some sort of a private pension - a personal or a pension provided through your employer.

77% of 18 to 29 year old viewers have such a product.

This rises to 92% when you look at the over 60s.

Government research has found that 39% of working men and 48% of working women have no private scheme at all and are relying on state provision.

Cost

We also asked how much you were expecting your retirement to cost.

70% of you expect to need �200 or more a week to live on.

The largest group - a third - will be looking for between �200 and �250 a week.

At the moment, the state provides just under �100 a week for individuals under the minimum income guarantee.

Clued up

Working Lunch viewers seem to be more clued up about private pensions than most - but does that mean that you are not worried about your retirement income covering your costs?

The answer is no.

60% of you say that you expect your income to be less than you need.

A third of you report that it will be just enough.

Just 8% are confident that your income will be more than you'll need.