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Is it true that children are better with money than adults? We pit a team of schoolchildren against their parents to see who turns out to be thriftier. Plus, meet the man who can't afford to retire - unless he and his wife can overhaul their finances. Can our money expert help them secure their future? And can that advice help you secure yours?

You can join in the discussion and share your own tips and comments at bbc.co.uk/rightonthe money, where you'll also find invaluable tools to help you manage your money better, and find out exactly what type of spender you are.