Eliza, don't just listen to the scaremongers and doom and gloom merchants. Douglas Frazer is an independent economist and writes in his BBC blog ..

An independent Scotland could delay the rise in the state pension age by 12 years, according to economic analysis.
It could benefit from a lower cost of providing pensions as Scots, on average, have shorter lives than the rest of the UK (rUK).
The data suggests those receiving private pensions in Scotland could be helped by higher yields on their government bond investments.

This man has no axe to grind and is totally independent and has nothing to do with Alex Salmond. Again don't forget that after independence Slamond may not be in government.