More than half of Bradford's workers see misery in their financial future.

A survey, which was conducted by investment provider Birmingham Mid-shires, found 61 per cent of those nearing retirement have a grim view of what the future holds for them in terms of financial and healthcare provisions.

Saving Britain 2002 reveals that those over 45 fear they will have to work into their 70s.

One in three people said their main concern for the future is healthcare.

Nearly one in three worry that they will end their life in a retirement home.

Almost one in five people -17 per cent- fear they will end up working till they are in their 70s.

Tim Hague, head of savings and investment marketing for Birmingham Mid-shires, said: "The savings gap in the UK currently stands at £27billion.

"This is a huge burden for a generation to carry and only really covers ensuring a comfortable ret-irement.

"There is still the issue of paying for long-term care, which is often required as we get older. As a nation we need to seriously re-consider our attitudes to money."