This document discusses engaging young people with pensions and savings. It finds that while young people understand the importance of pensions, saving is challenging due to a lack of steady employment, high costs of living, and short-term priorities. Research shows young people are conservative with money due to economic conditions but many would participate in salary sacrifice pensions. However, there is confusion around pensions due to a lack of financial education and complex products and language. The document calls for reforms to increase financial education, make products more flexible and accessible, and use technology to engage young people with their pensions and savings.