READ THIS OR ELSE: Pension? Think you're going to get one? You should be so lucky!! Forget final salary deals like your parents got. Business has got more competitive and employers can't afford them these days. State pension? HA!!! Your National Insurance contributions are not saving for your retirement, but paying the pensions of retired people today, and with an aging population there's little chance of you getting even a minimum wage lifestyle by the time you retire. So... SORT IT OUT!!!!! You have been warned. This really is NO laughing matter - it's DIRE..

We all need advice when it comes to our cash, and when you've just graduated you'll probably need it more than most. Virgin have produced what we reckon is the book you're most likely to read on the subject. So prove us right! It's a down-to-earth and easy-to-read guide full of advice and case studies, explanations of financial terms, and informative listings with contact details for where you can find more information.