'You put a little aside every month? You have your little stash? Because it's very hard to be old and to have no money,' my grandmother probed gently.
In the UK 16% of pensioners live in poverty and poverty in old age is more likely to affect women than men.
'The age we have to think of, for you,' the financial advisor said, 'is 68. That's retirement age.' I nodded. Thirty-eight years away. Not so long.
To continue living the way I am now, I'd need a £600,000 pension. Last year, the gender pension gap was reported to be the largest in a decade. There's a looming pensions crisis for women; the question is how we face up to it.