1 Work is needed for our youngsters to do, not all are academically
minded and need alternative work.
When I left school in mid 1960s I could have my pick of jobs
2 Education in schools is not equiping the 16 year olds for
work; very many have a poor grasp of English and Numeracy
basic times tables addition and division are not grasped and
learnt properly if at all up to 16 ~ we had to!!
3 IT is fortunately popular, but many are not yet being given the
opportunity at secondary school (up to 16) due to lack of funding
4 Investment for pensions is a very sore point ~ I do not believe
that Stock Exchange investment underpinning any investment is   
appropriate, look at Endowment policy scandal, the world slump in
2000 has not yet recovered (no good to me my pension has eclipsed)
5 The investment in housing due to the lack of certainty in Stock
Exchange shares has produced inflated housing prices leading to
mortgages that will never be paid off and repossessions ~
youngsters will not be able to afford to buy
6 New thinking whereby reasonable gauranteed rates accrue to
investments for everyone are needed ~ Governments which continue to renage on past promises will always exist, hopefully now they have learnt from their past experiences, but so too have we investors. It will take many years for confidence to return to the UK for the more risky investment opportunities. Spend your money now because you cannot trust government nor any financial advisor may be 'best advice'
make your own mind up on that one!! I would not advise anyone to save for a life time knowing that the value will be worthless

And no I do not know the answer, but do I trust anyone with my money

I DO NOT