"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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The child died on her injuries and another 14-year-old girl was injured after the buggy they were travelling in was involved in a car crash.
Cloud thickening from the west throughout the day. Rain in northwest later.
The Songs of Praise presenter has voluntarily agreed not to appear on BBC whilst an investigation takes place.