"Significant cuts" are being made to the living standards of UK workers to prepare for their own retirement.
Research has found many people place too much reliance on the state to help them in later years.
Pensions expert, Dr Ros Altmann told Daybreak that it is vital people have their own pension plans.
She added: "It is so important to not have a fixed age where you think I won't do any work at all."
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TV favourite Cilla Black, who has died aged 72, gave viewers a "lorra, lorra laughs" during her long career.
Some rain in the north. Very warm sunshine in the south
Blind Date and Surprise Surprise star Cilla Black,72, has died, according to reports.